Consumer complaint received 2018-05-17
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:
I have been a XXXX member for a decade and XXXX XXXX was the credit company before Citi Bank took over in early XX/XX/XXXX. I took my car, a XXXX XXXX XXXX, which I used for running my business to XXXX XXXX XXXX for a minor repair in XX/XX/XXXX. A couple days later they informed me about damaged engine parts which needed to be replaced. They did the repair and I paid them {$1100.00} cash. It took them 3 weeks to do the repairs. 
As soon as the car was out, it started to over heat. They towed it back and now a new engine was needed. They kept the car for another 6 weeks, I got the car back on XXXX XXXX. They would not release the car unless I paid them {$2300.00} for the engine which I did with my credit card. Basically they were stuffing me as much as they could. 
Days later the car was towed back to the shop again. This time they claimed the transmission was bad. They charged the card a total of {$1600.00} ( {$400.00} down payment on XXXX and {$1200.00} on XXXX XXXX ). Still they would not release the car unless I paid them {$80.00} cash. why? for transmission oil. Since when a transmission is put in your car without oil? 
The day I got the car back ( XX/XX/XXXX XXXX both CHECK ENGINE LIGHT & MAINTENANCE LIGHT were on. They claimed the computer would re set itself and shut the lights off automatically. Soon I broke down again and this time I took it to a different shop because XXXX XXXX XXXX would not honor the warranties. My car was out of service for over 4 months. 
I spent another {$5700.00} to replace the defective transmission and many parts of the engine they put in. I believe they charged me for repairs they never did or used junk yard parts from dead accident cars. 
I disputed the three charges with Citi Bank : XXXX XXXX XXXX Citi bank somehow sided with the merchant. How and why Citi Bank did this is not the focus of the complaint. Citi Bank has put me in a bigger hole. On XX/XX/XXXX XXXX ( 18 months later ) I was served a law suit by XXXX XXXX XXXX for over {$50000.00} in XXXX XXXX. The law suit is based on communications between Citi Bank and XXXX XXXX XXXX. Citi Bank Sided with XXXX XXXX XXXX and paid it in full. I was furious at Citi Bank but I did not follow up because I was having health problems. I was suffering from XX/XX/XXXX. In last 18 months I have paid thousands of dollars to Citi Bank in interests. They love it. Now the cost of fighting the law suit is thousands of dollars as well. Thanks to Citi Bank. 
When I was served the papers on XX/XX/XXXX I called Citi Bank and asked for a copy of my file in regards to these three disputes. I told their dispute department I had 20 days to answer the law suit and dismiss it before it is assigned to a judge and going to court. Every day I called Citi Bank and begged them to email me the documents. This is XXXX. Citi Bank could have had emailed me my file in matter of minutes. 20 days passed and the law suit moved into the court. Their refusal to send me the file will cost me thousands of dollars more in legal fees. Citi Bank never called me back in regard to my request. But it started to call every day after I missed my payment for the first time in years. You see how Citi Bank functions. Yesterday I received a mail from Citi Bank stating my account needs immediate attention before collection activities begin. My health particularly my XX/XX/XXXX has taken a hit in last two years because of what happened. It is amoral obligation for Citi Bank to act professionally. 

I want Citi Bank TO : 1. Stop collection activities and reporting to credit bureau until this law suit is completed. 
2. Release a copy of all communications between me and Citi Bank ( letters, faxes, emails, telephone conversations and notes ). 
3. Release a copy of all communications between Citi Bank and XXXX XXXX XXXX ( letters, faxes, emails, telephone conversations, and notes ). 
4. Release a copy of all communications between Citi Bank and XXXX XXXX and XXXX ( letters, faxes, emails, telephone conversations, and notes ) in regard to these disputes. 
5. Release Citi Bank dispute investigator 's report and notes in regard to these disputes. 

I want Citi Bank 's response only in writing. I don't want any one to call me. I have to prepare to fight this in the court. If there is no documents in regard to any of the above 5 requests I want Citi Bank to write it in a letter explaining there is no communications.

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