Consumer complaint received 2016-12-10
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
Thursday, evening, XX/XX/2016, I received a phone call unsolicited and pressured into visiting a business called XXXX XXXX at their offices. They had found my name just bec I had looked at their website & knew nothing about internet dating. They told me they are very exclusive & do extensive background searches & promised they would arrange introductions to wealthy males in the XXXX area that been pre-screened. I went in & spent about 1.5 hours easily filling out their long & detailed information about my credit history, my bank accounts, what kind of car I drove and year, my debt, my drivers license, etc. The questions regarding my preferences were basically ignored even though I specifically said no XXXX, no XXXX, basically I was only interested in XXXX men between XXXX-XXXX. I told them about my horrific accident that caused me to XXXX, I needed to sue because I would win. They had run my credit report & I had a perfect credit history, & that determined my options that I could pay either {$50000.00} for XXXX dates where I could sell my membership once they had found me my perfect match or I could pay $ XXXX and they would make XXXX connections but could n't sellthe agreement. They kept telling me about all their great successes & people found their ideal mate within just XXXX-XXXX dates & then either gifted their membership. In addition to a very bitter divorce that ended mercifully in XX/XX/XXXX, I was also, in the middle of going through a break up with my ex-boyfriend. I was lonely, have n't been able to work because of my injuries & am unemployed, I was frankly very lost & just wanting something to start going right in my life. I was pressured and they used all kinds of dubious & unethical practices & convinced me to spend $ XXXX since I could " sell '' this horrible membership. They are also known as XXXX XXXX, XXXX XXXX and have been sued by the FTC for their deceptive trade practices & lost & owed people their money back. The contract is exactly the same. They charged XXXX credit cards, XXXX from Citibank Aadvantage for $ XXXX ( was reduced to $ XXXX ), XXXX - Citibank $ XXXX, XXXX - $ XXXX and my XXXX debit card for $ XXXX. Currently, only Costco Citi has reversed the charge as I have contested these charges and Citi Aadvantage has ruled against me even though I have hired an attorney and I attempted to cancel within 2-4 hours of returning home & sent them an official email with my cancellation notice at XXXX pm the following evening after they started forcing men on me in violation of their agreement that I was supposed to receive information about these contacts before ANYONE contacts each other. They sent me XXXX man in XXXX XXXX that sent me a text message that Friday night after I had already indicated to XXXX that I was canceling the agreement and suddenly the need to match me became very urgent & way too eagerly called me the next morning telling me all about himself and was XXXX, gave me his name, his occupation, & what questions I wanted to know about him & when could we meet? I had to call XXXX with XXXX XXXX asking who this XXXX guy was. She encouraged me to call him back & go on a date. Citibank Aadvantage did NOT resolve my complaint within 2 billing cycles, they back billed me & said a letter was sent XX/XX/2016 it was sent XX/XX/2016 & I received it XX/XX/2016 & have told them on XX/XX/2016 by my attorney and my email that I accordance to the rules, they had not resolved my claim within 2 billing cycles & would not be paying them. My original claim started XX/XX/2016 but they would n't let me file until XX/XX/2016. I do not owe a thing.

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