Consumer complaint received 2016-10-18
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
1 ) I dispute any authorization to make XXXX these charges ; and 2 ) Citi 's " investigation '' and closure of this action. 
On XXXX XXXX XXXX I ordered a 14 day trial of " XXXX XXXX XXXX '' from XXXX. There was no address ( other than the internet location identified as - " XXXXXXXXXXXX '' ). The address given was " XXXX '' which appears on the Citicard billing for account ending XXXX. 
On XXXX XXXX, XXXX a USPS shipping label was created and indicated it came from XXXX XXXX CA XXXX. The only address appeared to be XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. 
The best evidence indicated the address of XXXX XXXX XXXX is that it may be XXXX XXXX XXXX ( aka XXXX ) in XXXX XXXX. They may also go by the domain address : " XXXX. '' Citicorp 's investigation ( # XXXX ), other than duplicate charges, indicates that certain documents were submitted by XXXX XXXX XXXX as evidence. They described the transaction : XXXX XXXX XXXX XXXX advertisement, identified as XXXX. This is disclaimer purports to set out the terms and conditions for orders from support " at XXXX, of XXXX, XXXX '' " XXXX '' was never ordered, nor received, and has no involvement in the matter. Yet Citicorp evidently did not read the correspondence and has honored XXXX 's ( not XXXX XXXX ) transmission, closed their file, and tell me that I must contact the merchant directly " or use any other means available to ( me ). '' As further evidence the letter accepted by Citicorp identifies the product as " XXXX XXXX, '' and not the XXXX XXXX XXXX. 
Then, in the body of that letter ( paragraph XXXX ) it states that : " j.j. clicked to accept the terms and conditions ... '' There simply is NO checking or other indication of acceptance because there was nothing to be clicked. They did not include any such " checking '' to prove their point. And XXXX XXXX was not part of any 14-day trial. And Citicorp just accepted their assertion that it had been done. 
In e-mails to this complainant XXXX XXXX XXXX did state that a cancellation was received and honored, and that data had been transmitted - but ignored by - Citicorps. 
I have a copy of the actual confirmation of the so-called order that purports to indicate that complainant had automatically submitted to the additional terms. It does not. 
Please note the date that order was sent, and in particular when it was addressed. They, without any prior authorization, had sent the message on XXXX XXXX, yet the invoice was dated XXXX XXXX. Even if the 14 day period could be reduced to a ten day period the desire to XXXX around with the customer is so driven that they did it in 13 days. 
Even in " ordering '' these people could not meet the dates set. For example, the " product '' on this Order numbered : XXXX was not sent until long after it should have been replaced on XXXX XXXX, XXXX, and it was received on XXXX XXXX, XXXX ( USPS Tracking : eVS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
In any event, because there was no confirmation that the terms and conditions were ever in evidence, let alone was signed, checked or clicked for, these things are only fluff in order that customers can be seduced into withholding their apparent distaste for being scammed. 
Not only is this product a product of scamming but the Customer Service Team XXXX Citicorp is derilict in that they employ persons that otherwise can not read and understand simple XXXX. Or, it may be that they too are fraudulent! 
And what really ticks me off is that Citicorp 's Customer Service Team states that it is my responsibility to understand the terms and conditions ; but even more-so, it is the Citicorp 's gratuitous statement that I had agreed to those terms and conditions.

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 monetary relief