Consumer complaint received 2022-07-31
Company: CITIBANK, N.A.
State: MD
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:
( 1 ) I made this statement ( XX/XX/XXXX ) on XXXX under my wife 's account : " Credit/debit card fraud alert. My credit/debit cards information was stolen 3 times in a row. Do NOT flash your credit/debit card numbers inside XXXX store XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX  XXXX ) and near XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ). Better tape your credit/debit card numbers and the security code ( you can still use the built-in chip ). I suspect there are hidden video cameras recording customers. '' ( 2 ) The following charges were made in XXXX ( XXXX XXXX XXXX XXXX grocery store ) on XX/XX/XXXX, when my Citi Bank credit card got compromised : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$240.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} ( 3 ) I had immediately disputed the charges when I saw them in my statement with Citi Bank, however, on XX/XX/XXXX, all 4 disputed charges were denied on the following basis : " We have completed our investigation and found you are responsible for the above referenced transaction. Your account will be rebilled based on the following : The merchant provided documentation confirming this is a valid charge. 
We have enclosed a copy for your records. We now consider this investigation closed. '' ( 4 ) This is unfair play on behalf of CitiBank knowing their unsafe business practices and current financial problems ( XXXX XXXX XXXX ) : " Citibank has been in trouble with regulators, and was fined {$400.00} XXXX by the Federal Reserve and the Office of the Comptroller of the Currency in XXXX. The fine was for unsafe and unsound banking practices, which included sending around {$900.00} XXXX to the wrong recipients.XXXX  XXXX, XXXX '' ( 4 ) I've never been in XXXX, nor have I ever been part of any credit card scam ( or any scam whatsoever ), I've been a loyal customer of CitiBank for many years, payed my bills on time, and have a higher than average credit card score ( all this information is easily obtained ). I have never been to XXXX ; I reside in XXXX XXXX, XXXX I have never made the above purchases or contacted anyone who might have made them in XXXX. 

( 5 ) In addition to the above, below I show that my debit card from another bank was broken into ( twice ) around the same time. 

( 6 ) My debit card ( with another bank ) was broken into ( and, then, again was broken into with a new re-issued card ). I can obtain and show proof from that bank if needed. This was the time I'd started a discussion on XXXX ( under my wife 's account ) on debit/credit card fraud in the area : XXXX XXXX  XXXX? XXXX & XXXX & XXXX & XXXX % XXXX At this point I would love to see how CitiBank can prove their case.

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