Complaint sub-issue: Card was charged for something you did not purchase with the card

Citi Bank XXXX XXXX XXXX XXXX XXXX SD XXXX Re : XXXX  Gift Card Charges To whom it may concern : 1. Request I am writing to continue the dispute and dispute the investigation on the following charges below : Card ending in XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX I only have been given conditional credits on XXXX but disputed all charges listed above. 

Card ending in XXXX previously XXXX when originally disputed. 
XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Conditional credits were reversed for all charges on XX/XX/XXXX. I am now disputing your investigation. I was never provided any documentation into this investigation, after requesting. I do not believe the proper protocols were followed for unauthorized charges. 


2. Reason for dispute : Fraud I do not recognize these transactions and never authorized any of the charges above. I received a letter in the mail on XX/XX/2022 stating that Citi never received the information needed, and Citi had to continue the investigation with the information available. Citi said unfortunately, there wasn't a response from me and the investigation would not result in my favor. I originally disputed all of these charges on XX/XX/XXXX. I sent Citi information on XX/XX/2022 via the email account that was provided to me. I also requested full documentation of this investigation. I was never provided with any of this information. I was charged late fees during these disputes, as well. Then all conditional credits were reversed. I plan on exercising my credit card user rights and contacting the Federal Trade Commission and Consumer Financial Protection Bureau regarding the malpractice conducted in this investiagtion. Pursuant to XXXX Reason Code XXXX. Any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, up to {$50.00}, even if the bill turns out to be correct. I refuse to pay for any of the unauthorized charges. Also, both accounts can be closed if this does not get resolved.

3. Request Please credit the full amount to my account, all late fees removed, an accurate statement, all documentation regarding the investigation, and an open case against the merchant. I have always appreciated your timely and professional customer service. I am requesting copies of the full investigation in this dispute case. Thank you for your attention to this matter. 

Sincerely, MM XX/XX/2022 Citi Bank XXXX XXXX XXXX XXXX XXXX SD XXXX Re : XXXX XXXX XXXX XXXX XXXX ending in XXXX previously XXXX when originally disputed. 
XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX Card ending in XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX To whom it may concern : This letter is regarding the charges below sent to your disputes team. See letter below. Listed above and below are all the disputes that shouldve been under investigation since XX/XX/XXXX. Citi is not following the Fair Credit Billing Act and the Fair Credit Reporting Act. 

The card issuer has 30 days to acknowledge receipt of a complaint. Some of the disputes were never acknowledged at all. I disputed ALL charges in the letter below in XXXX. Some of them were acknowledged and some of them were not. Its way past the 30-day time period.

The card issuer has two billing cycles to complete their investigation. Two billing cycles have come and gone. During that time the issuer is not allowed to try to collect the payment, charge interest on it, or report it to credit bureaus as late. Citi has charged interest, late fees, and tried to collect payment. Also, Citi has reported me to the credit bureaus for being late with payment. 

If the card issuer finds that the disputed payment was invalid, it must correct the error and refund any fees or interest charged as a result. If it finds there was no error, it must explain its findings and, upon request, provide documentation to back them up. I have requested all documentation of these investigations. I have not received documentation to back up any decisions made my Citi.

Any creditor who fails to follow the settlement procedure may not collect the amount in dispute, or any related finance charges, up to {$50.00}, even if the bill turns out to be correct. For example, if a creditor acknowledges your complaint in 45 days 15 days too late. I will NEVER pay this. I will continue to dispute the charges online, like I did yesterday. I expect these charges to be off my account. Please credit my account. I will be filing a complaint with the Federal Trade Commission, Consumer Protection Bureau, and the XXXX XXXX XXXX 

XXXX XX/XX/2022