Consumer complaint received 2023-11-10
Company: CITIBANK, N.A.
State: CO
Product: Credit 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:
On XX/XX/XXXX, I awoke to find a message from my credit card company, Citibank, it indicated that it detected possibly fraudulent charges on my credit card. I immediately called Citibank and they closed my account and sent me a new credit card. The charges are from a company called XXXX XXXX XXXX XXXX XXXX XXXX. The charges totaled {$12000.00}. There were 4 charges for {$2500.00}. {$2500.00}, {$2000.00} and {$5800.00}. These were all fraudulent charges. 

These were charged in the XXXX XXXX XXXX XXXX to a company in New York ( I live in Colorado ). These charges were NOT unauthorized by me and I have never heard of this company and did not receive any goods or services from this company. XXXX XXXX XXXX does not have much contact information via phone or email online either. The only information on this company I found is the following and is a fairly new company according to the details below : XXXX XXXX XXXX. is a XXXX XXXX XXXX XXXX XXXX  filed on XX/XX/XXXX. The company 's filing status is listed as Active and its XXXX XXXX XXXX XXXX 
The Registered Agent on file for this company is XXXX XXXX XXXX and is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The company 's principal address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The company has 1 contact on record. The contact is XXXX XXXX XXXX XXXX XXXX XXXX 


After the charges on XX/XX/XXXX occurred, Citibank closed my credit card and opened a fraud case. On XX/XX/XXXX, I received a letter from Citi stating that I was liable for the charges since, I provided my account number for the transaction. However, I NEVER provided my account number to XXXX XXXX XXXX I disclose to Citibank that I authorized XXXX to charge my account for {$1.00} on XXXX but not I did not authorize XXXX XXXX XXXX  to charge my account for {$12000.00} on XXXX  Citibank is saying that since I gave my credit card information to XXXX I am responsible for the charges to this XXXX XXXX XXXX because I authorized the transaction, but this is false, I did not authorize this company to charge any money to my credit card, therefore, this a fraudulent activity. 

To be crystal clear, I did not authorize XXXX XXXX  to charge my credit card, I have never heard of this company, I did not receive any goods or services from this company, there is no contact information to call or email information for this company either. 

Once Citibank deemed the charges " authorized '', they said these were not fraudulent charges and that I was responsible to pay for the total charges. I then spoke to Citibank and they told me to call their Credit Dispute department as my last resort. The Credit Dispute department was confused and said this was actually fraud and so I told her Citibank closed the fraud case and my last option is Credit Dispute. So, on XX/XX/XXXXXXXX Citibank opened a dispute case and grated me conditional credit for the charges. 

On XX/XX/XXXXXXXX Citibank asked for additional information on for the transaction that was {$5800.00} and I sent them the information they requested. On XX/XX/XXXX Citibank sent me a letter stating they have completed their investigation and I am responsible for the {$5800.00}. When I called the Citibank Dispute department to ask why this case was completed, they said that Citibank requested information, received it ( email attached is the confirmation ) but did not review the letter I sent for some reason, so I need to resend a letter with information regarding the charges. The Supervisor I spoke with said he would try to send the letter again and offer me a conditional credit for the {$5800.00} ( this has yet to happen ). He also asked me to send the letter again to the dispute center, which I did via email. He was not clear why the letter with additional information I sent was not reviewed or proceed by their review team. 

At this point there is a charge for XXXX XXXX on my credit card for {$5800.00} and I have been trying hard to work with Citibank and their representatives. Citibank has been deceptive in stating that I gave my credit card information to this company, when I did not and I have been very clear that I have no connection to this company, XXXX 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 monetary relief