Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (WI)

THIS IS NOT A DUPLICATE CLAIM My original claim mentioned these disputes, but was targeted towards OVER CHARGES. 

This claim is for DISPUTES that Citi Bank has had for OVER 90 DAYS and has NOT DONE ANYTHING WITH THEM. 

Again this is NOT A DUPLICATE CLAIM. PLEASE READ CLAIM NUMBER XXXX MORE THOROUGHLY, IF YOU STILL DON'T UNDERSTAND CALL ME I originally filed several disputed back in or around XXXX or XXXX of XXXX. Citi Bank dropped the ball after receiving the disputes. Shortly after I had fraud committed on the account and was completely locked out from accessing XXXX - XXXX statements for the year of XXXX. Citi bank could not access these records either. It took them at least 6 months to get me these statements. After receiving the statements in question, I wrote a letter, submitted documentation and requested the disputes be filed again. I understand the law gives x amount of days, but these is an exception considering they dropped the ball after I initially filed and then I had no access due to fraud. Citi Bank received the envelope by mail on XX/XX/XXXX. I called to follow up with Citi Bank several times, pertaining to these disputes. All I was ever told was that " Citi Bank did receive the envelope and they were working on it ''. I followed up on them, because I did not receive anything from Citi Bank via mail, confirming they received the package or confirming they were actually investigating. In or around XXXX of XXXX, I spoke with a male representative at Citi Bank. He told me the same as the last agent I spoke with. He did disclose that Citi Bank investigates for 90 days which would have been XX/XX/XXXX according to him. I informed him that I would follow up one more time after that date to see what is going on. I called Citi Bank yesterday, XX/XX/XXXX, and spoke with a female supervisor. Long story short, NO ONE at Citi Bank did anything with my package. Whomever received it opened it, read it, but not re-open the disputes or file any of the documentation I submitted. The supervisor just did all this yesterday, again 93 days after receiving my package. Because Citi Bank failed their due diligence and filing/re-opening the disputes in a timely manner I am now demanding that the disputed amounts be credited back to my account, which is a total of {$1100.00} https : XXXX The card issuer must send you a letter stating that it has received your billing dispute within 30 days of receiving it and complete its investigation within XXXX complete billing cycles which generally means it can not take longer than 90 days. https : XXXX Generally, the bank must mail or deliver written acknowledgement to you within 30 days of receiving your written billing error notice. If the bank determines that a billing error has occurred, it shall resolve it within XXXX complete billing cyclesbut no later than 90 days after receiving a billing error notice. If the bank determines that no billing error occurred, it must mail or deliver to you an explanation as to why it maintains that no error occurred. 
https XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under the law, creditors must acknowledge your complaint in writing within 30 days of receiving it. Then expect to receive a written resolution within XXXX billing cycles, and no later than 90 days, from the original date your creditor received the dispute. If the dispute is approved, your creditor will explain the corrections that will be made to your account, such as removing the charge. If your dispute was denied, youll receive an explanation why and notice of how much you owe, which may include interest and fees that accrued during the dispute process. You can write back to the creditor within 10 days after receiving the denial and say you refuse to pay the disputed amount and explain your reasoning why. Attached is proof of tracking for the package that was sent to Citi Bank