Consumer complaint received 2018-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I submitted a dispute with what this company in XX/XX/XXXX for a dollar amount of XXXX what happened I ordered a engine for my XXXX from online from this Merchant before I purchased the engine I asked him how is the engine is it a good engine because it was used engine they told me that they pull the engine out of a used car and they do a full compression test to make sure it's a good solid engine before they sell it to a consumer they said that I have 90 days if I have any problems to return or ask for a refund for this particular engine after I purchased it so since this is a big bulky item I did make the purchase and I have them delivered straight to my shop the engine came to my shop within 21 days the shop charge me almost {$1400.00} to take the oil engine out and to put the new engine in once they put the engine inside the car the fire it up and it was smoking really really bad pitch black smoke why is this engine smoking he said all they do or all they did was take the oil engine up and put the new one in he said the engine is bad it's misfiring XXXX sold me the engine needs to come back and return it so I call the manufacturer or the people where I bought the engine from I told him what's going on they said they will have a manager called me nobody did call I email them or call them again finally they said okay they are sorry about the engine I asked him to please fix the problem they said the only thing they can do is have me take the oil engine out ship it back to Texas so they can send me a new engine out I told them you have told me that this engine was tested before shipment I also told him that the shop guy is going to charge me another {$1400.00} take the engine out and to ship it back to you guys and then another XXXX once I get the new engine and put it in the car that's ridiculous I told them I forgot there was no answer from them I called him several more times try to resolve the issue they did not want to call back or anything so finally I did a dispute with my credit card company about the issue the car company gave me the credit of {$1200.00} right away but 30 days into the dispute they took the money out I called my credit card Bureau I told him what's going on why did you resolve the dispute against me I'm still sitting here with a bad engine they're not trying to help me out the credit card company told me that they have tried to reach out to me and the engine is out of the 90 days warranty I told the car company that is not accurate I reached out to the engine people before the 90 days was out and I even send them a copy of the email that was spoken to them back and forth which proves the date after that the credit company put the money back into my credit account for {$1200.00} I was happy even though I start to find a new engine pay the shop more money to take the old XXXX out and put a new engine in I was so happy but two months down the line they took the money back out of my account and give it back to the merchant I called back the credit card company I said what the hell what  are you guys doing they said well the manufacturer at call them and told them that I was trying to return the old core back to them I said no it's not true I'm trying to return back the faulty engine they have sent to me the old engine core is in hundreds of pieces because it overheated in any case my mechanic wants to charge me more money to pick up this faulty engine can you send me the new engine we want to test it out make sure it's good and once is good I will send you the old engine back and besides every engine has the VIN number printed right on the side the VIN number will match the receipt that I've got from you guys for this faulty engine so long story short my car company once again give back the credit to the manufacturer I'll call the cracker company today I told him what's going on they said we are going to reopen the case and continue on I called him it's been almost a year I open this dispute back in XXXX my car still sitting in my garage with a bad engine I'm out 2 times the amount not only the XXXX for the engine but the {$1400.00} that I paid the shop to put the faulty engine in so I can back and forth with the credit card Bureau they said they going to reopen the case and continue the investigation I'm really really disappointed because there are not trying to actually see the problem they just trying to believe whatever the XX/XX/XXXX the car is right here parked in my garage they're more than welcome to come take a look at it take pictures I can take pictures and I can email them whatever the case may be so that's why I found this dispute because it's been so long I've already made the payment of {$1200.00} to the credit card company cuz I don't want them to send a bad report to the bureau or a late payment to the credit card Bureau I'm hoping that she has to please help me out here I'm really frustrated I don't know what else to do I called the car company and seems like they don't want to listen that they don't want to look at the documents that sent them they just want to resolve the case but not in my favor

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 explanation