Consumer complaint received 2018-11-29
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 Citibank presidential office is involved in a series of credit card defraudment of customers. Citibank is not adhering to the fair use and billing act and has breached their contract with me. In their clause it says I am not responsible for any credit card charges done on my account. Based off of all the evidence that has come out the facts are I was at work during the time my credit card was fraudulently used. 

In addition to this information they blatantly lie in their letters to me about things I have said or done even though I have told them I have done the opposite. 
I.e. They said I failed to go to the police when I personally went to the police to try to report the crime they did not bother to take it because the charge was under XXXX dollars ( XXXX police dept ). 

I.e They told me the card was used at XXXX XXXX  but failed to specify which time zone in which I assumed it was pacific time and stated that information to them. This was a clever trick in order to make me seem contradictory. although my card was used at XXXX XXXX it does not change the fact that I was either at work or in the shower because the transaction happened an hour and a half away from me. 

I.e. They said I failed to allow an investigation at my workplace where I believe the card may have been stolen. I have no solid evidence it was a co-worker, and in addition to this there are XXXX people at my workplace. My co-workers told me to let my credit card company know. 

Citibank is also spam mailing me with loan offers to pay off credit card debt. I have received 2 offers in the month of XX/XX/2018 to take a loan to pay off credit card debt. Citibank seems to be trying to coax me into taking a loan to paying off they debt they are trying to trap me with. 

My co-worker also sent them an email saying I was present at work at the time my card was being used. Citibank is ignoring facts and trying to trick and trap me into paying them money that I never used. 

Citibank OPENLY admits the person who used my phone to call my credit card company failed my security word, didn't know my social security number and even had a totally different voice. It is impossible for a person to use a high limit on a credit card without this information this in itself is a violation of my contract and is a violation of the fair use billing act. Citibank refuses to admit they made a mistake and instead are choosing to say I contradicted myself when I tried my best to explain what happened while I was panicking about {$12000.00} being stolen. Citibank is using my fear and panic of the situation to extort money from me. 

Lastly - my attorney is openly trying to communicate with them and they are refusing to respond to any letters from my attorney or send any information to him. CFPB you need to get this {$100.00} XXXX +organization under control. If these attempted extortion techniques are being used against me I cant imagine how many people they are defrauding using this technique. Please Re-investigate this company do not let them get away with this. 
-XXXX XXXX

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