Consumer complaint received 2017-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

2ND COMPLAINT INFORMATION ( The first case of fraud is under your complaint XXXX for {$89.00} ) ________________________________________ This is a 2nd complaint from XXXX XXXX, XXXX XXXX XXXX, XXXX. NY XXXX XX/XX/XXXX Regarding My CITI Credit Card # XXXX ( debit for {$85.00} ), this 2nd case of fraud is from the same merchant using different name and address. ( The first case is under your complaint XXXX for {$89.00} ) In this 2nd case, scammer used a different companys name and address. However, they used the same USPS tracking number XXXX to prove their shipments. 
- The following is the description of the 2nd fraud transaction I sent to CITI : -- - CITI ( R ) CARDS XXXX. XXXX XXXX XXXX XXXX, SD XXXX Ref/ Credit Card # XXXX [ case # XXXX for {$85.00} ] This refers to your letter dated XX/XX/XXXX regarding an unauthorized debit of {$85.00} to my CITIBANK credit card # XXXX XXXX XXXX XXXX on XX/XX/XXXX. The debit was based on the Merchants own Billing Model which I have no knowledge of until I received your letter with that information. This Billing Model is to charge {$5.00} on Day 1, and to charge {$85.00} on the 15th day with no product shipment. And on DAY 45, will ship the second shipment and charge {$91.00}, and will continue to ship the good every 30 days with no ending date. This Billing Model is definitely not acceptable to me. The merchant indicates that I have to call to discontinue the shipments but I have no prior knowledge of this terms and conditions until I received your letter. The way the merchant obtained my credit information is as follows : - On the night of XX/XX/XXXX, I went on line to check-in with XXXX XXXX for me and my wife, XXXX XXXX, for the next mornings flight # XXXX from XXXX to XXXX. After checking in, the computer screen popped up few questionnaires about my satisfaction of the XXXX service. After I answered those questions, the screen showed that I was entitled to have a gift worth {$50.00} for free but I had to pay for the shipping charges of {$4.00}. I paid the {$4.00} with your credit card. Then, the screen went off by itself. Thats how the merchant obtained my credit card information and Since then, they keep charging the credit card. ( Please see statement attached for the unauthorized debits of {$5.00}, {$34.00}, {$85.00} and {$89.00}, XXXX ). 

I believed this is a fraud. Please reverse all unauthorized debits based on the following reasons : 1. Both my wife and I are XXXX years old. We have no intention, no need and no interest to buy Cosmetics. 
2. From the start to now, I have never had contact with the merchant. The merchant ( or the scammer ) must have created a self-made tried order for {$34.00} in order to bring up all the subsequent debits 3. CITICARD from the start to now be standing on the scammer side and follow the scammer own billing model. I am dubious as to whether this is a conspiracy of CITICARD employees with the scammer. 
4. I have no knowledge of the Merchant Billing Model until I received your letter with attachment. Therefore, I was not able to cancel the order on time. 
5. The merchant said my wifes information is provided in the CRM [ Customer relationship management ] database ( see your page 6 and their EXHIBIT D ) which is not true because we have never been the Merchants customer. They should not have the records of our personal information. I assumed the information was stolen resulting to the wrong information of No. 6 below. 
6. The merchant indicated the name of the card holder is XXXX XXXX which is not true. 
7. The USPS tracking # XXXX had been used in the first case of {$89.00}. which means the first case and the 2nd case are one company. 
Regards, XXXX XXXX