Consumer complaint received 2024-01-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NC)

On XXXX XXXX  and XXXX XXXX  my wife noticed 2 suspicious items on my credit card statement online. The amounts were {$1.00} and XXXX $ and were not authorized and my wife and I reported them to XXXX XXXX credit card company for investigation of fraudulent activity. There was no additional charges until I purchased a ring from XXXX XXXX XXXX  on XX/XX/XXXX XXXX {$1200.00}. Several days later my wife called to have the ring ( XXXX $ ) transferred to our XXXX card for the purpose of getting 21 months of 0 % interest on payments ( the ring was for our sons engagement and we wanted him to benefit financially with 21 months to pay and 0 % interest. On the XXXX my wife online was confirming that the transfer was made as arranged. Instead we were terrified to see a transfer that appeared in the amount of XXXX and a second transfer of a second XXXX!!! Immediately reported that to XXXX XXXX as fraud and there wasnt a XXXX $ transfer ( as the sole transferred amount ( we immediately reported that to XXXX XXXX as 2 additions of fraudulent transfers that we immediately wanted reported ) the woman XXXX gave me a employee # XXXX ) she was in the fraud division and said that she would send the report to investigators to investigate ( as were on hold I went to our mobile account and saw another charge of {$1100.00} ) when XXXX returned we told her the additional charge and assumed that the amount was about XXXX $ less than the amount authorized as the sole authorized amount but wasnt the exact amounts ( she seemed annoyed at the news we were again financially harmed ) but we figured that they didnt transfer the tax or something else because the amount was not the XXXX amount ) we told her that the XXXX transfer was probably the ring ( the remaining amount was around XXXX ish and all that was remaining on the balance after the XXXX ( again she was of little use for any reason for this not being the correct amount purchased from the jewelry store ) we had to pay the XXXX transfer because that was the plan. But she was told that the XXXX separate charges of XXXX ( total XXXX was fraud and we didnt understand how they were able to transfer money that wasnt charged on any card of ours ( again she seemed very annoyed we were financially injured for charges XXXX  was not able to explain why the fraudulent charges were possible and how they could even applied the money ( transferred to us at all ) she was obviously annoyed and I didnt feel that she cared about the money fraudulently applied to my XXXX  card ) I asked for a email or confirmation of my claim to be investigated. XXXX said no they were unable to do anything to help in regards to evidence of the theft her company so causally attached to my XXXX  card ( I asked her permission to record the claim as her company was also recording as well ) ( XXXX agreed to me recording our conversation as record for myself to have as evidence that I reported the charges immediately upon becoming aware that they existed ) as I was on hold again with XXXX I looked at my Mobile personal checking account and was shocked to see a ( pending charge of {$830.00} to be withdrawn from my checking account and heading to XXXX XXXX??????? I asked for the reason for this and explained that they had a major issue with the handling of my credit card balance ; again she seemed very annoyed with another fraudulent transaction that I was reporting ) at this time anger was the feeling that I was feeling along with the lack of any kind of reason how this could be possible ( instead of a complete transfer of XXXX to be payed ( the only actual complete and total amount we had charged ) they were putting a balance amount of over {$4500.00} of fraudulent charges XXXX  transferred over to my XXXX card ( the {$830.00} was pending and not applied yet but I saw it pending to be applied to my XXXX card!!!!!!! ) she again was obviously frustrated with my concern and angry with her company for over XXXX $ ( all fraudulent put as if I was responsible for the companys failure to protect me a customer and she said that she would had the report to investigators to investigate!!!!!!! XXXX said the company was going to contact me with the results in 6-7 weeks!!! I couldnt believe the womans words and lack of empathy her company had caused me!!! In addition she refused to give me any explanation of why the would be taking another fraud charge ( XXXX pending to be a payment to XXXX XXXX and told me she couldnt give me any information on the charges because investigators were going to do this ) I was relieved I recorded her and my conversation because I had nothing from XXXX  except a fraudulent charge of almost {$5000.00} that was recklessly being my fault as she refused to even acknowledge anything about amounts of the fraud her company so causally applied for me to deal with!!!!!! Again this is recorded as evidence of the criminal activity committed against me and XXXX  was annoyed that she was having to report the crimes her company committed against me!!!! I told her I didnt have a single late payment ever on any of my 7 + credit cards that I never used except to charge and immediately pay the full amount every month to have a XXXX balance!!!!! My credit report will reflect the exact same thing I just explained including XXXX late payments EVER!!!!! Now my great and exceptional credit score I so carefully protected against any negative impact was potentially affected along with the fraudulent amount of almost {$5000.00} dollars of unexplained transfers to my XXXX  card. And on the as of XX/XX/XXXX was only XXXX $ with the XXXX amount that was authorized and lawful.i went from XXXX dollars of credit card debt to almost {$5000.00} within a couple days as my credit report will reflect exactly as Im currently stating. Im seriously considering civil charges against XXXX  financial crimes against me and my credit that until the fraud allowed by XXXX company I was a victim and XXXX could care less of the grossly irresponsible conduct by XXXX XXXX committed against me!!!!!!! I am hoping for the investigation will again prove my innocence of all the things that I have just reported as criminal activity against me personally. And depending upon any negative impact of even 1 XXXX point will determine whether I will sue in addition to the financial crimes against me that XXXX XXXX failed to prevent or even concerned about the impact of their own negligence actions that have been unlawfully placed on my credit card ( they recklessly attached to my name!!!!!! ) I will send screenshots to backup the statements Ive made in this case today!!!! I will hold XXXX  liable for this grossly negligible conduct that now has been committed to me and XXXX when she attempted to send replacement cards to mail me I ( on audio recording stated to her I did not want replacement cards of any type and also explained the financial burden her company had grossly negligible allowed to impact me a consumer!!!!! I repeated to XXXX do not send any replacement cards to me because they already had committed enough harm to me and I refused to allow XXXX XXXX to potentially expose me to being financially harmed again by sending me any further cards and furthermore explained I wanted the account closed immediately to prevent any possible additional harm as a result of there negligence and reckless conduct!!!!!! I then called and reported this activity over the phone to the inspector general and then today to the consumer finance division.,. And at this time was not surprised when earlier today my wife received an email from XXXX XXXX telling us that my replacement cards were being mailed!!!! I feel this will almost certainly be litigated in superior court because of the lack of faith I have that XXXX  will correct the situation as lawfully required. XXXX XXXX ( a victim of XXXX XXXX and the negligence that theyve shown to be grossly irresponsible of repairing!!!! ) I will hold them accountable in court if not correctly in a reasonable manner I will be seeking all legal attorneys fees to be repaid to myself and ask the court to XXXX accordingly a judgment that will be an example to other companies that conduct their customers similar as I have been financially and mentally harmed by their actions and lack of action to prevent their consumers from being taken advantage as I was thank you for your time reading this and all action you take to hold XXXX XXXX liable for.. again thank you again. XXXX XXXX