Consumer complaint received 2025-05-02 00:00:00
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.
State: NC

Complaint narrative:
XX/XX/year> Citibank XXXX  Mastercard Dispute Department Citi ThankYou Mastercard XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dispute Billing Charge {$500.00} Owed Credit Citibank Thankyou Credit Card Account Ending In : XXXX Consumer XXXX XXXX | Merchant : XXXX * XXXX ReOpen Charge of {$500.00} Dear Citibank Dispute Department ; Please find I have been with the Citibank MasterCredit Card Account for more than 10 years now. I was totally scammed out of the money. I am requesting to open the charge back up. I am writing to you because you requested this letter regarding how I was scammed. On XX/XX/year>, the Merchant : XXXX * XXXX had scammed me out of {$1500.00} with my Citibank Credit Card Account Ending In : XXXX. 


On XX/XX/year> Citibank Thank you XXXX Credit Card gave me full and permanent credit of {$500.00} [ below ], then on XX/XX/year>, Citibank Thank you improperly recharged my credit card for the {$500.00} for professional services [ below ]. 

On XX/XX/year>, Citibank Thank you XXXX XXXX returned and credited back to my account XXXX out of XXXX charges of {$500.00} totaling {$1000.00} [ below ]. I am still owed {$500.00} credit back on my credit card from Citibank Thank you XXXX XXXX since they improperly recharged and put back on my credit card in bad faith, knowing they gave me full credit for it on XX/XX/year> for the {$500.00}, and then they never refunded the interest on the charges either, but instead is making me unfairly paying it of {$48.00}. I spoke to Citibank and they told me they would return the interest owed to me on my credit card and failed to return it back to me. 




On XX/XX/year>, the Merchant : XXXX * XXXX had scammed me out of {$1500.00} with my Citibank Credit Card Account Ending In : XXXX. 


The Merchant used Unfair and Deceptive Practice Tactics and made false misrepresentations for me, as the Consumer, I never received the product, or pictures of work, and later, the Merchant became unreachable after the {$1500.00} payment was made on XX/XX/year> with my credit card ending XXXX, and the Merchant played Cat and Mouse Deceptive Practices in communication, product, and I never received the product, merchandise, or service at all from the Merchant. As a direct result due to the Merchants failures, neglect, and refusal, the contract for the product beadwork was voided on XX/XX/year>, and I am owed the full refund that I, as the Consumer, was scammed and frauded out of the charges below. 


The XXXX charges are below : On XX/XX/year>, Citibank Dispute Department returned and credited back to my credit card account XXXX of the XXXX charges of {$500.00}, totaling {$1000.00}. I receive the XXXX credits back on my credit card from the same Merchant for the date XX/XX/year>. Citibank keeps and recharges {$500.00} back on my credit card and makes me pay the interest on charges. Its not right, as a Consumer, I cant believe I am being done like this with a Credit Card Company I have been with for more than a decade of service. 
I am not responsible for the XXXX SCAMMED disputed charge amount of {$500.00} that Citibank XXXX XXXX Credit Card initially gave me full credit back on XX/XX/year>, and then on XX/XX/year>, Citibank XXXX recharged my credit card to intentionally cause me debt you unfairly put the {$500.00} back on my credit card [ below ], knowing you gave me permanent credit back on XX/XX/year> of the following : On top of everything, Citibank Thank you XXXX Credit Card, never refunded any of the interest on the charges of {$1500.00}, but instead charged me for the interest on XX/XX/year> in the amount of {$48.00} [ below ]. 



The XXXX scammed me of the above money with false misrepresentations and false expectations. The XXXX said they would send pictures of the work, and they never did. After the XXXX received the money from me, she illegally inflated the prices of the product up to {$1000.00} and was trying to force me to pay the new price for the products in order to receive it at {$5000.00}, which was not originally agreed upon on XX/XX/year> when payment was made to the Merchant. The Merchant would not even send a new Merchant agreement with the inflated prices, but sent a new price sheet after I paid the Merchant on XX/XX/year> with the illegally inflated prices. The Merchant never sent any pictures of work, product or anything regarding the Merchants work. The Merchant also changed the form of Consumer Communication from emails or text messages. The Merchant would say, they would contact me, the Consumer back the next week because they are on Spring Break, and when the next week came, the Merchant refused to contact the Consumer at all. The Merchant refused to respond back to the Consumer regarding the product. Consumer asked about the product more than once and the Merchant did not respond to the Consumer. The Merchant had become UNREACHABLE and would not respond to text or emails. When the Merchant did respond, she was nasty and then said she was on spring break and would contact me the next week and the Merchant refused and failed to contact the Consumer the next week as promised.

The Consumer made multiple attempts to contact the Merchant, and the Merchant would not respond in XXXX either. From XX/XX/year> to the billing dispute date, the Merchant would not uphold the Consumer agreement after being paid money upfront from the Credit Card, and the Merchant thwarted and ignore the Consumer attempts to communicate leading to the Consumer voiding the Contract and properly filing a dispute with the Citibank Dispute Department.

The Consumer desperately tried to communicate with the Merchant, because the Merchant ignored the Consumers communication attempts by text and email, the Consumer, XXXX XXXX XXXX, contacted the Merchants brother, XXXX XXXX by email, and he sent word to the Merchant. The Consumer also advised if the XXXX didnt refund the money, the XXXX would possibly file criminal charges for theft by deception. Later in XXXX, the Merchant called and harassed the Consumer with XXXX telephone calls. The Consumer asked the Merchant to please refund all the money by text message. 

The Merchant lives in XXXX XXXX, XXXX, and the Consumer lives in North Carolina. The Consumer never met the Merchant. To date, the Merchant has not sent any merchandise, product, or any picture of the paid Beadwork product, as promised. 

To date, Citi XXXX XXXX has only refunded/ credited back the XXXX charge of {$1000.00} with the Merchants scammed out of and Citi XXXX XXXX is not in good faith and unfairly not returning or crediting back the XXXX charge of {$500.00} in total owed that I was scammed out of by the Merchant on XX/XX/year>. 

I need help in getting the {$500.00} that I am owed with Citi XXXX XXXX that the Merchant scammed me out of. This is so wrong for the Citi XXXX XXXX Billing Dispute Department is doing this to me, as the Consumer. I have been with the Citi XXXX XXXX for over XXXX years and have always paid my bills. Should I close my entire account if they will not return or credit my account back the {$500.00} in good faith I was scammed out of? 

As a Consumer, I feel something is terribly wrong with how Citibank XXXX XXXX is doing me. I should be refunded the total amount of {$1500.00} scammed from me by the XXXX, and plus the owed interest on the matter. Citibank owes me {$500.00} credit because I was scammed and I have never received any product, merchandise, or service for them unfairly and unjustly to keep my money and interest. Its really illegal to do Consumers like this. I have other evidence of what Citiban has done wrong in keeping my money. All I want is to {$1500.00} and the interest returned back to my credit card which they owe me. See the attached letter of complaint. 

Sincerely, XXXX XXXX XXXX, Consumer and Victim XXXX XXXX XXXX XXXX, NC XXXX XXXX : XXXX XXXX : XXXX Cc : North XXXX  Attorney General of Consumer XXXX XXXX Attorney General XXXX XXXX Consumer Financial Protection Bureau ( CFPB ), Washington, DC Federal Trade Commission : Scams and Fraud Department

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