Consumer complaint received 2018-12-12
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: Card was charged for something you did not purchase with the card

Complaint:
I can do this all day Citibank .... 
I'm responding now to their complete and total lies regarding their " investigation '' this is their response. 

Company 's Response Sending letter to reinforce the decline of credit for the {$12000.00} XXXX XXXX charge. Explained a {$16000.00} payment was received on XX/XX/XXXX and on XX/XX/XXXX was advised that a hold was placed on the available credit limit until XX/XX/XXXX, after the payment cleared. Explained on XX/XX/XXXX, when a {$7000.00} XXXX XXXX charge was attempted, passed our Fraud verification process and confirmed the charge was legitimate. Explained on XX/XX/XXXX, a {$12000.00} charge was declined at XXXX XXXX CT, which is XXXX XXXX PT and during a conversation with Citi at the XXXX XXXX Fraud verification process was passed and the charges were verified as legitimate. Reinforced due to the inconsistent information provided regarding the time frame in which claim of wallet and phone missing and because previously dealt with the merchant, the balance is considered to be valid. Regretted response to attorney was delayed and explained it was just received in office. Confirmed name and address were removed from solicitation lists but to allow 30 days for that to take effect. Sending letter to the attorney to reinforce the decline of credit for the charge. 

MY REPONSE Good job you explained I pay my bills ... I hope you enjoy the {$16000.00} I responsibly paid you guys. I never called you guys about a XXXX dollar transaction. Seems like a made up lie. But if you say I did can you tell me if the person who called knew my social and my password??? On XX/XX/XXXX I never called you guys about spending XXXX on XXXX  products. Can you show me the transcript of the person who called at that time? did they pass my security word and know my social? XXXX XXXX of Citibank said that the person who called did not know my social security and they also didn't know my password. You fools cant even keep your story straight. I never have done business with the XXXX XXXX in my life .... but suppose I did ... what does me doing business with a company have to do with fraud happening at that company? If I shop at XXXX all the time and somebody steals my credit card and uses it at XXXX does that mean I'm responsible? very foolish argument. I will write letters to you all day long every single chance. Good luck selling my debt to collections they wont want it based on the evidence I have, and the fact that I was at work 2 hours away from the location my card was used at. Best give me my money back. I also got another letter in the mail for taking a loan to pay of my Citibank credit card debt along with harassing phone calls ... Each phone call is documented and will not look good for you in court. If I don't like your response Ill send ANOTHER response. Eventually you guys will get looked into for your fraud.

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