Consumer complaint received 2017-10-27
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: Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint:
This complaint is directed to : XXXX XXXX of Sears-Citibank.XX/XX/XXXX. 
I previously sent copies of the requested documents I could get and have even though they were n't needed for resolution of the previous dispute. XXXX XXXX of Sears-Citibank credit card did n't accept them and refused to verify them with XXXX, consequently causing more disputes. This complaint is directed to : XXXX XXXX of Sears-Citibank. Because this complaint format doesnt differentiate the italics and bold used in my written information, Ive attached a written version of this complaint. 
Below is my complaint : We appreciate your response to our letter dated XX/XX/XXXX; however, upon review, we found that the information you provided in your response does not support the cancellation of the service for the XXXX XXXX XXXX transaction. We respectfully deny your request for credit of {$260.00}, as well as additional compensation. 
The information provided in my response does more than support my informing XXXX XXXX of Sears-Citibank credit card that I am disputing XXXX charging for one full  years service rather than paying for XXXX month to month service. You say nothing in your response about your obtaining information from XXXX about their mandatory billing practices and cancellation policy. 
No one has asked for additional compensation, yet. I was putting you on Notice that XXXX XXXX of Sears-Citibank credit cards behavior constitutes cause for suit in court should they not properly handle this dispute. 
We understand you are displeased with the outcome of your dispute claim with XXXX Online ; however, our position remains unchanged. As previously advised, we contacted XXXX XXXX XXXX on your behalf regarding your request for credit. We were advised by their representatives that the services were not cancelled, as you previously stated. 
As I previously informed you, XXXX was cancelled by me a number of times and they kept re-instating the account because it was an on-line account and they could do whatever they chose to. I was just actually able to cancel it for the last time XX/XX/XXXX because I downloaded my company on XX/XX/XXXX to my personal XXXX software I purchased previously. Once I downloaded my company I was able to close down that company on-line and XXXX had no choice or control over it anymore. 
We made a good faith effort to assist with this dispute by contacting the merchant, who stated they are willing to work with you by walking you through the online cancellation process to issue refund. 
Ive already contacted XXXX several times. Thats why I finally filed a dispute. If that was the actual case, they would have already done so. XXXX XXXX of Sears-Citibank credit card just doesnt want to do her job. If she did, she would have re-contacted them to verify the last information I sent her. 
Regrettably, since you refused to continue the call with the merchant on XX/XX/XXXXXXXX, and have not provided the necessary proof of cancellation for the service charged on XX/XX/XXXXXXXX, in the amount of {$380.00}, we have no recourse to recover the funds. 
TheXX/XX/XXXX call was from someone who didnt know anything about what dispute I had submitted and was going to have someone call me back who did and I got XXXX XXXX of Sears-Citibank credit card. To see if this was an improvement all one has to do is review the complaint and XXXX XXXX of Sears-Citibank credit cards response. 
Any further concerns regarding this matter will need to be directed to XXXX XXXX XXXX. Just as you are subject to the terms of your agreement with XXXX XXXX XXXX, we are also subject to their cancellation credit policy. 
Again, XXXX XXXX of Sears-Citibank credit card, what is the agreement I made with Quickbooks and what is there cancellation policy? Making these statements imply youve gotten that information and have decided I didnt comply. So lets have that information you are basing that statement on. 
In your recent response you stated we need to confirm with XXXX *XXXX that the service fromXX/XX/XXXX through XX/XX/XXXX, is a total of {$190.00}. 
That is the correct charge and I provided that information to XXXX XXXX of Sears-Citibank credit card already. 
Our records reflect that XXXX XXXX charged the account {$38.00} onXX/XX/XXXX, and {$380.00} on XX/XX/XXXX as reflected on the XXXX and XX/XX/XXXX billing statements. 
XXXX established that fact already. Its those facts that the dispute is made from. 
In order to determine how the XXXX *XXXX charges are broken down monthly and for what the service is for, we request that you contact XXXX XXXX directly for that information, as we do not have access to those details. 
Its obvious from XXXX XXXX of Sears-Citibank credit cards statement ; you are just sending back boiler plate responses. As previously provided information to you, I used XXXX for 13 years and 10 months long enough to know what the services are for. 
Regarding payments made to the above referenced account, our records reflect that we received a total of {$830.00} in payments betweenXX/XX/XXXX, and XX/XX/XXXX. The payments were applied to the account based on your Card Agreement. 
Thank you for the tally, but how about supplying a tally of all the charges made in those payment time periods for which those payments were made? 
Regarding the credit Issued for the Home Depot billing dispute, please allow this letter to serve as confirmation that the credit issued oXX/XX/XXXX, which reflects on the XX/XX/XXXX billing statement, in the amount of. {$170.00}, is permanent. 
As previously stated, the Home Depot dispute had nothing to do with the XXXX dispute, except for, Sears-Citibank credit cards co-mingling the disputes, mixing up their paperwork with XXXX, causing all this dispute to snowball, and then linger on now for over 7 months. 
Additionally, We have enclosed copies of theXX/XX/XXXXXXXX through XX/XX/XXXX billing statements for your review. 
Thanks for all those 48 unnecessary pages you added to this dispute. If you applied yourself to this dispute like you did trying to deflect solving it, youd have already resolved it properly. 
We thank you for the opportunity to address your continued concerns, -- Sincerely, Please actually address my continued concerns as originally requested in dispute # XXXX filed previously with CFPB.

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 monetary relief