Consumer complaint received 2021-08-20
Company: CITIBANK, N.A.
State: TX
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 am desperately seeking your help in settling this dispute, on my Citi credit card, from XXXX XXXX, with XXXX XXXX, for a full refund of {$2000.00}. Citi is stating that they don't have enough supporting evidence. I have sent them all of the fake invoices, text messages, email communication, and pictures of my blank wall in the laundry room where the cabinets belong, but were not supplied. I have tried since XX/XX/XXXX to dispute this charge, with Citi, but they refuse to assist. 
Transaction Details Transaction Date : XX/XX/XXXX Transaction Amount : {$2000.00} Merchant/Description : XXXX XXXX XXXX XXXX Dispute Details Dispute Date : XX/XX/XXXX Dispute Amount : {$2000.00} Dispute ID : XXXX # XXXX On XX/XX/XXXX, at XXXX XXXX  CST, I faithfully paid a deposit amount of {$2000.00} online using my Citi XXXX XXXX XXXX XXXX XXXX This payment was made with a contractual agreement that XXXX XXXX, with XXXX XXXX, would fabricate Custom Knotty Alder XXXX XXXX and Linen Tower with recessed panel doors with a promised installation date of Tuesday, XX/XX/XXXX. Since the custom cabinets were never manufactured, delivered, or installed on the promise date, on Thursday, XX/XX/XXXX I asked XXXX XXXX for a full refund of {$2000.00}. He promised that he would provide a full refund, along with an email confirmation of the transaction. Neither XXXX of these actions ever took place, and he remains in possession of the {$2000.00}. 

On Thursday, XX/XX/XXXX, at XXXX XXXX  CST, I contacted the XXXX County Police Department, at ( XXXX ) XXXX, and opened Police Report # XXXX. Deputy XXXX took all of this information, that I am passing on to you, and said this is definitely a criminal act that they see from contractors all of the time, and that this should be addressed immediately. 

Facts : XXXX. ) I, XXXX XXXX XXXX, paid XXXX XXXX, with XXXX  XXXX, {$2000.00} for XXXX XXXX XXXX XXXX XXXX. They were never produced, delivered, or installed, and a refund was never issued. 
XXXX. ) XXXX XXXX, with XXXX XXXX, did not provide merchandise or a product. 
XXXX. ) XXXX XXXX, with XXXX XXXX, will not refund me, XXXX XXXX XXXX, the amount of {$2000.00}. 

We were expecting Custom Knotty Alder XXXX XXXX and XXXX XXXX with recessed panel doors which were supposed to be built by XXXX XXXX with XXXX XXXX with a promised install date of Tuesday, XX/XX/XXXX. THEY WERE NEVER BUILT OR INSTALLED. THIS MERCHANT FAILED TO RENDER THE PRODUCT AND/OR SERVICES. 

I, XXXX XXXX XXXX, expected to receive the merchandise on XXXX ( date ), but it never arrived so I contacted the merchant on XXXX ( date ) to request a credit to my account. The result of contacting the merchant was ( please check one ) : ___ I received the attached credit slip. ( Include copy with reply. ) _X_ The merchant stated they would credit my account for the merchandise I did not receive. 
XXXX, FROM XXXX XXXX, DID NOT RENDER ANY OF THESE PRODUCTS, OR SERVICES, OR A REFUND OF {$2000.00} AS HE PROMISED IN A LEGAL BINDING CONTRACT/DOCUMENT. HE WILL NOT RESPOND OR GIVE US OUR REFUND OF {$2000.00}. 
___The merchant stated that they would not credit my account because ____________________________________________________________________. 
_X__ I couldn't reach the merchant, despite my attempts to speak with them. ( Explain how you attempted to contact the merchant and why you were unsuccessful ). 
XXXX did not supply one item on this invoice, or supply us our FULL REFUND of {$2000.00}. He became very unresponsive once he received the payment of {$2000.00}. Now, he is completely unresponsive. XXXX left voice mail, after voice mail, and sent text message, after text message. HE WILL NOT RESPOND OR GIVE US OUR REFUND OF {$2000.00}. 

XXXX. ) XXXX XXXX, with XXXX XXXX, made a promise, and didnt honor the promise, which caused me, XXXX XXXX XXXX, the loss of money. XXXX XXXX of XXXX. ) XXXX. ) XXXX XXXX, with XXXX XXXX, owes money, in the amount of {$2000.00}, to me, XXXX XXXX XXXX, and will not pay. 
XXXX. ) XXXX XXXX, with XXXX XXXX, is in possession of the {$2000.00} that belongs to me, XXXX XXXX XXXX. 

XXXX XXXX, with XXXX XXXX, uses XXXX XXXX XXXX  as his credit card processor. When XXXX promised me a refund, he said that it would take the business XXXX Up XXXX business days to issue a refund, and that it would go back onto my Citi credit card. This never happened either. However, as you can see by the text message below, from XXXX XXXX, he admits to being in possession of my {$2000.00}, and promises a full refund along with an email confirmation. Neither XXXX of these actions ever took place, and he remains in possession of the {$2000.00}. 

UPDATE : On Tuesday, XX/XX/XXXX, XXXX XXXX XXXX XXXX, with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX located XXXX XXXX ( the Defendant ) at XXXX XXXX XXXX XXXX, XXXX, TX XXXX, and was able to serve him papers informing him that I am suing him for {$2000.00} for not providing the custom cabinets that I ordered. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX vs. Defendant XXXX XXXX XXXX in the Justice Court Precinct XXXX, XXXX XXXX, Texas. 

I now have a court date set for Wednesday, XX/XX/XXXX, with Justice of the Peace, XXXX XXXX, Precinct One, Courthouse N.E. XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 

This court date was postponed until Tuesday, XX/XX/XXXX. 

UPDATE : Today, on Wednesday, XX/XX/XXXX, I have filed a formal complaint with the Federal Trade Commission, in regards to this Citi credit card dispute for {$2000.00} that has not yet been settled by Citi. Report XXXX XXXX. 

I am desperately seeking your help in settling this dispute, on my Citi credit card, from XXXX XXXX, with XXXX XXXX, for a full refund of {$2000.00}.

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