Consumer complaint received 2021-11-09
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2021 On XX/XX/2021 I sent a letter through email to CITIBank. The email is below. There has been zero communication with me that this is being investigated. According to the Federal Trade Commission The creditor must acknowledge your complaint, in writing, within 30 days after receiving it, unless the problem has been resolved. This has not happened. CITI has sent me NOTHING regarding the investigation. CITI is breaking the Fair Credit Billing Act. I will be filing a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  Any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, up to {$50.00}, even if the bill turns out to be correct. For example, if a creditor acknowledges your complaint in 45 days 15 days too late. I will NEVER pay this. I expect these charges to be off of my account. 


XX/XX/2021 Dear Sir or Madam : I am writing to inform you about the fraudulent/scam charges on my Citi Credit Cards XXXX I am requesting that all charges be taken off my account that are related to XXXX and that any finance charges be credited from the months of XXXX XXXX 2021. I would also like to receive an accurate statement. This company has stolen my money, identification, and account numbers, without me having a full understanding that this is a sweepstakes/scam. This company does not do what they say they will do and is based out of XXXX, which is another thing this company doesn't disclose. There are so many things this company is doing that are against United States law. They don't have customers pay taxes on their winnings, they can not provide winning/loss ratios, and they dont pay out winnings in full. I also requested that this company exclude me from their services, and they did not. These things are against the law! There are numerous reports on the XXXX XXXX XXXX website that report this company as fraudulent. Also, if you believe this isnt a scam, or you or the company doesnt plan on refunding the money I would like a proof of purchase provided to me for all of the charges that I am disputing. You can also close the credit cards if you or the company doesnt plan to cooperate. I can not pay this amount of money and I will not pay it. If you dont reverse the charges, you can sell the debt to a collections agency because I am not paying it. Please investigate this matter and correct/reverse the fraudulent charge as soon as possible. I would appreciate a response from you in writing and sent through secure messages. I will seek an attorney if absolutely necessary. I will also be reporting this to the FTC, CFPB, and hope your company follows the FCRA. I am sincerely disappointed and surprised that CITI lets this company use your services. Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief