Consumer complaint received 2019-09-27
Company: CITIBANK, N.A.
State: CA
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:
The reason for the CFPB resubmission for the complaint against XXXX XXXX is the recent discovery of how credit card companies narrowly define the definition of fraud. Fraud is wrongful or criminal deception intended to result in financial or personal gain. Credit card companies define fraud as using a stolen credit card or its number to make purchases without the knowledge of the credit card-holder. The confusion lies in how the credit card companies narrowly define fraud. 

XXXX XXXX is ruled as a fraud by the FTC using the traditional meaning of the term fraud. The FTC filed a lawsuit against XXXX XXXX case XXXX document XXXX filed XX/XX/XXXX in the United States District Court District of Nevada XXXX XXXX XXXX XXXX violated the Federal Credit Billing Act codified 15 U.S.C section 1601 Truth in Lending Act that protects consumers from unfair billing practices. For example, charges for goods or services not delivered. 

The complaint is a dispute XXXX XXXX is no longer able to deliver because the company is ruled a fraud by the FTC. Another part of the complaint is XXXX XXXX never delivered on the products and services they agreed to deliver before the FTC shut down. XXXX XXXX can no longer respond to my complaint because they have been shut down by the FTC. XXXX other major credit cards used to make part of the payment to XXXX XXXX for the same service already reversed the charges and refunded the money. The complaint is brought forth to the CFPB because the credit card company is continuously asking me to contact XXXX XXXX when they are unable to do so. 

The complaint with XXXX XXXX is below. 

XXXX XXXX did not provide the services ordered on XX/XX/XXXX. 
XXXX XXXX made themselves unreachable by disconnecting their telephone. The credit card company is unwilling to resolve the dispute and refers me back to XXXX XXXX. 

XXXX XXXX did not deliver on their promises based on the following material. 

A. The Pink XXXX XXXX receipt initialed and signed by me dated XX/XX/XXXX, labeled ( XXXX Stores Advanced Course Receipt.pdf ) contains the following : 1. Event Dates and Location 2. Product Return Policies and Procedures 3. Declined Credit Cards and XXXXhecks B. The benefits sheet entitled XXXX Stores : XXXX XXXX XXXX XXXX XXXX labeled ( FBA1 DIAMOND CLUB SHEET.pdf ) never provided the following : 1. XXXX XXXX never completed the 1 on 1 Personal  Coaching sessions because the FTC shut them down. 

a. XXXX XXXX never provided Life-line to my coach, XXXX. 
b. XXXX XXXX ordered merchandise from the viewing screen and never provided online training. 
c. XXXX XXXX never provided tips or tricks, and techniques that pertain to running the business. 
2. XXXX XXXX never provided Done 4 You Wholesale Fulfillment. 
XXXX. XXXX XXXX never allowed selecting products from their warehouse. 
XXXX. XXXX XXXX never provided deal analysis when ordering products ; they only offered to sell me more of their products. 
5. XXXX XXXX never provided a XXXX of suppliers. 
6. XXXX XXXX never offered their negotiating power when buying products. 
7. XXXX XXXX never provided the opportunity to work with the team to implement new suppliers. 
8. XXXX XXXX is not forthcoming in labeling and delivering products to XXXX when you use their warehouse. 
9. XXXX XXXX never let me attend the trade shows. 
10. XXXX XXXX never provided the service listed in Access to The XXXX. 
11. XXXX XXXX never ungated main product categories for me at XXXX. 

C. FTC filed a lawsuit against XXXX XXXX labeled, case XXXX document XXXX filed XX/XX/XXXX in the United States XXXX XXXX XXXX XXXX Nevada XXXX The document is labeled, ( FTC1 Case XXXX Document 107 Filed  10-10-18.pdf ). 

1. The FTC document on page 3 states, XXXX XXXX never met the definition and conditions of being a XXXX XXXX XXXX. 
2. The FTC document on page XXXX states, the FTC ruled a judgment against XXXX XXXX. 
3. The FTC document on page XXXX states, XXXX XXXX must notify its members. XXXX XXXX never notified me of the FTC lawsuit. 

XXXX XXXX XXXX made statements of promises made to the entire audience during the seminar. 

1. An XXXX XXXX speaker made a paraphrased statement before the entire audience at the seminar that I deem as an oral contract. 
2. XXXX stores will provide lifetime services beyond the course, and we will stick with you until you get your money back. 

XXXX A document entitled, XXXX Is Suing These Con Artists Leading A Get-Rich-Quick Scheme dated XX/XX/XXXX. The document is labeled, XXXX-XXXX  XXXX XXXX 

XXXX XXXX : XXXX contains a list of examples of actions diamond members and their creditors. 

I respectfully ask for a chargeback of the disputed XXXX XXXX charges and a refund of the payments made to the disputed charges. 
Listed below is the original charge made to the credit card and a few payments made against the balance and any related documents to the dispute. 
Citibank Activity 1. XX/XX/XXXX XXXX XXXX CA {$5200.00} CBS1-Citibank XXXX Statement.pdf Page 3 Total {$5200.00} 2. XX/XX/XXXX Electronic Payment {$78.00} CBS2-Citibank XXXX Statement.pdf Page 3 3. XX/XX/XXXX XXXX Payment {$78.00} CBS3-Citibank XXXX Statement.pdf Page 3 4. XX/XX/XXXX XXXX Payment {$78.00} CBS4-Citibank XXXX Statement.pdf Page 3 5. XX/XX/XXXX Electronic Payment {$78.00} CBS5-Citibank XXXX Statement.pdf Page 3 Total {$310.00} Label Document XXXX. XXXX XXXX XXXX XXXX Receipt.pdf 2. XXXX DIAMOND CLUB SHEET.pdf 3. FTC1 Case XXXX Document 107 Filed XX/XX/XXXX.pdf 4. XXXX XXXX XXXX links.pdf 5. CBS1 CBS1-Citibank XXXX Statement.pdf 6. CBS2 CBS2-Citibank XXXX Statement.pdf 7.  CBS3 CBS3-Citibank XXXX Statement.pdf 8.  CBS4 CBS4-Citibank XXXX Statement.pdf 9.  CBS5 CBS5-Citibank XXXX Statement.pdf

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 explanation