Consumer complaint received 2026-01-08 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: CA

Complaint narrative:
To Whom It May Concern, I am formally disputing all transactions reflected on the statements Citi attached ( XX/XX/XXXX through XX/XX/XXXX ) as unauthorized / fraudulent and disputing the entire resulting balance, including any related Citi Flex Pay/Flex Plan activity, plan fees, interest charges, late fees, overlimit fees, and collection/attorney placement amounts. 

XXXX ) Citi has already acknowledged fraud, but the remaining balance was not corrected Your XXXX Response Unit letter dated XX/XX/XXXX acknowledges a fraud case completed in XX/XX/XXXX on a prior account ending XXXX, including a write-off of {$4800.00}. Despite this, the account balance continued and ultimately shows {$14000.00} and was placed into an attorney/collections status ( e.g., ATTNY XXXX ). I dispute that balance as entirely the product of unauthorized activity and/or Citis failure to fully credit the fraud. 

XXXX ) I dispute every purchase/charge I did not authorize any of them I did not make, authorize, benefit from, or ratify the purchases listed on the statements. I am attaching Exhibit A ( itemized list ) that disputes every merchant transaction shown in the statement transaction tables and also disputes any related Citi Flex Pay conversions. 

XXXX ) Payments were made is not proof of authorization and does not waive my dispute Any payments Citi references ( including attempted payments ) do not establish authorization of the underlying transactions. In fact, the statements show returned payments ( e.g., XXXX insufficient funds / XXXX account frozen ), and any payment activity was made under pressure to mitigate escalating harm while Citi failed to provide clear itemization and while the account was being reported/pursued. 

XXXX ) Demand : full reversal/write-off + stop collection + correct credit reporting Because the underlying transactions were unauthorized, I demand that Citi : Charge back / reverse / write off 100 % of the disputed transactions and any related Flex Plan activity ; Reverse all interest and fees assessed due to these fraudulent charges means : interest, late fees, overlimit fees, plan fees, and any collection/attorney-related amounts ; Immediately recall the account from any collection/attorney channel, cease collection activity while disputed, and provide written confirmation ; Correct all credit reporting related to this disputed balance ( including late payments and delinquency reporting tied to the disputed amount ) ; Provide a complete transactional substantiation packet for each disputed item, including : whether the transaction was card-present or card-not-present, chip/contactless, wallet token ( Apple/Google Pay ), AVS/CVV results ( where applicable ), merchant location and terminal ID, shipping address ( XXXX ecommerce ), XXXX XXXX ( if applicable ), any authorizations, reversals, chargebacks, or internal case notes showing how Citi concluded the transactions were authorized. 

XXXX ) Statements access / missing itemization problem XXXX position that you need correct information is unreasonable when Citi has not provided complete, usable documentation for each transaction and has cycled the account across multiple endings. I am providing an itemized dispute list from XXXX own statements. If Citi believes any line item is authorized, it is XXXX burden to produce the specific evidence of authorization. 

XXXX XXXX ( XXXX purchases ) : XXXX items totaling {$15000.00} I dispute this debt in full. The alleged balance is the result of fraud/unauthorized transactions and is currently in active dispute with the original creditor. 
Part A Merchant purchases DATE DESCRIPTION AMOUNT XXXX XXXX, XXXX * XXXX XXXX CA {$130.00} XXXX PP * XXXX XXXXXXXX CA {$2.00} XXXX XXXX XXXX XXXX * XXXX XXXX  WA {$270.00} XXXX XXXX XXXX XXXX * XXXXXXXX XXXX WA {$27.00} XXXX XXXX * XXXX XXXX XXXX CA {$74.00} XXXX XXXX * XXXX XXXX ESP {$12.00} XXXX XXXX * XXXX A XXXX  WA {$390.00} XXXX XXXX XXXX XXXX * XXXX XXXX  WA {$390.00} XXXX XXXX XXXX XXXX * XXXX XXXX WA {$110.00} XXXX XXXX * XXXX XXXX XXXX CA {$7.00} XXXX XXXX XXXX XXXX * XXXX XXXX WA {$46.00} XXXX XXXX XXXX XXXX * XXXX XXXXl WA {$3.00} XXXX XXXX XXXX XXXX * XXXX XXXX WA {$87.00} XXXX XXXX XXXX XXXX * XXXX XXXXl WA {$68.00} XXXX XXXX XXXX XXXX * XXXX XXXX WA {$24.00} XXXX XXXX XXXX XXXX * XXXX XXXX WA {$61.00} XXXX XXXX XXXX XXXX * XXXX XXXX  WA {$9.00} XXXX XXXX XXXX XXXX * XXXX XXXX WA {$34.00} XXXX XXXX XXXXXXXX XXXX CA {$16.00} XXXX XXXX XXXX XXXX * XXXXXXXX XXXX  WA {$54.00} XXXX XXXX XXXX XXXX * XXXXXXXX XXXX WA {$34.00} XXXX XXXX * XXXX XXXX XXXX CA {$3.00} XXXX XXXX XXXX XXXX * XXXXXXXX XXXX  WA {$39.00} XXXX XXXX XXXX XXXX * XXXX XXXX  WA {$7.00} XXXX XXXX XXXX XXXX * XXXXXXXX XXXX WA {$36.00} XXXX XXXX XXXX XXXX * XXXX XXXX WA {$52.00} XXXX XXXX XXXX XXXX * XXXX XXXX  WA {$48.00} XXXX XXXX XXXX XXXX * XXXX XXXX WA {$35.00} XXXXXXXX XXXX XXXXXXXX XXXX CO XXXX {$21.00} XXXX XXXX XXXX DE {$200.00} XXXX PP * XXXX XXXX CA {$2.00} XXXX XXXX XXXX XXXXXXXX CA {$24.00} XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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