Consumer complaint received 2024-10-22 00:00:00
Product: Credit 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.
State: FL

Complaint narrative:
As in my previous 2 complaints, I under duress and threat made purchases of gift cards and gave the numbers to the man exerting pressure on me. The responses from Citibank have never addressed the fact that consent and authorization under pressure and outside forces is void. This is a legal statement which I am preparing to present both to them and Ethic Points which very much does exist. I downloaded and read Citigroup 's Code of Conduct document which addresses ethics and ethical behavior on the part of the employees. Every employee is given this as well as a form to sign saying they read it and understand it. It is for customers to use as a complaint as well as employees. I am currently going through it, noting what Citigroup says are their values and level of right conduct. I am then citing specific incidences showing where they broke their own rules. I have been misled, lied to, made to feel as though I am powerless with no free will. Citibank sent their response to me outside of this agency by email. I will compare responses. I have asked them to only contact me through the mail, no emails or phone calls as 1. I can't tell if they are real. 2. I have a history of abuse and XXXX, when triggered, I do not communicate very well. So they should not encourage communication outside of a 3rd party or letter in the mail. I am currently under medical care and this situation right here is becoming part of it. Every time I discover some new method or lie, Citibank is using, I feel abused all over again. So safer to communicate through a 3rd party or mail. I did get the address to mail supporting documentation to you, Consumer Protection, as I have not been successful in attaching anything online. And now I have a bigger picture of what happened and I am more appalled than ever at the tactics that are used. I have a lot to send for their and your consideration. They knew before I did that consent or authorization, in person or not, under duress, is void. I am currently collecting paperwork. And Citibank should know that just because they write something, doesn't mean it's true. This is so distressing to me that I considered dropping it. But that's what Citibank wants. I am trying to find out how to get all of my own phone logs from my carrier that will show calls and texts. I am trying to find out how I can look at their records. One misleading strategy they used was to tell me on XX/XX/XXXX and XXXX that they canceled my card as requested by me, not them. I was told no worries as the transactions had not been processed, so they cancelled them. Later, I received a letter letting me know the true date they cancelled my card. They kept my old card alive until the charges were processed. They did not cancel it as I requested. I never called them because my card didn't work. When the new card arrived, i called them, telling them that I didn't want to activate it and I had a lock placed on the new card, not Citibank. I have a letter stating when they actually canceled my old card -- not on the date I called them or even the next day. They waited until the transaction went through. I sincerely do not want to take up any time I have left in this body in court. I have had numerous offers ranging from XXXX XXXX, XXXX XXXX, and the XXXX XXXX office to provide me with a lawyer. They didn't even have as much information as I have given before I was told that if I want to pursue this, I have a valid case. So Citibank can make all the statements and claims they want. We all know what happened. I am resisting all encouragement from these agencies to hire an attorney. Their reason being that this may help others being abused by both the con artists and the involved financial operations. I currently am on target to deliver a community presentation to elders on fraud, consent, codes of conduct, and many other things, including damage done psychologically and financially. This is a long story which will be backed up by mailed materials. I would love it if Citibank would share, not synopsis, but true data collection on their part as far as I am concerned.

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 non-monetary relief