Consumer complaint received 2026-06-19 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: FL

Complaint narrative:
Complaint Subject : Citibank Violated XXXX XXXX XXXX XXXX by Wrongfully Denying Dispute for Undelivered Goods + Improper Overdue Credit Threats Full Complaint Statement for CFPB Submission Complainant : NC XXXX XXXX, authorized contact XXXX XXXX XXXX : Citibank XXXX, XXXX XXXX XXXX XXXX XXXX, account XXXX Disputed charge amount : {$9600.00}, transaction date XX/XX/XXXX Date of banks final denial ruling : XX/XX/XXXX I am filing this complaint regarding XXXX unlawful handling of my formal billing dispute, in violation of the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ). XXXX. Core dispute facts I paid merchant LKL * XXXX {$9600.00} via my Citi business credit card for physical goods in XX/XX/XXXX. The merchant never shipped any products to me and provided XXXX contracted services. I submitted complete evidence of non-delivery and all transaction paperwork to XXXX billing dispute team months ago to contest this fully unfulfilled charge. XXXX. XXXX unlawful conduct On XX/XX/XXXX, Citi sent an encrypted secure email with a final decision completely rejecting my dispute, with no valid detailed reasoning for ignoring my full supporting evidence. The bank stated it would not accept any further internal review requests. Simultaneously, Citi sent multiple overdue collection emails threatening late penalty fees and reporting negative derogatory marks to national credit bureaus for this disputed balance, despite my active, evidence-backed billing dispute protected under XXXX. XXXX. Damages and unfair harm XXXX actions create severe financial and credit risk for my business : I face unnecessary late fees and permanent damage to my business and personal credit profile over a charge for goods I never received. The bank failed to fulfill its statutory obligation to fully investigate my valid consumer dispute under XXXX law. XXXX. Requested CFPB XXXX XXXX XXXX Citibank to immediately suspend all late fees, collection outreach, and credit bureau reporting related to the {$9600.00} disputed charge. Mandate Citibank reopen my billing dispute and complete a full, independent re-investigation of all my submitted proof of non-delivery. Require Citibank to issue an official written corrective response addressing its XXXX violations and provide a clear legal basis for its original denial decision. Enforce appropriate regulatory corrective measures against Citibank for violating federal consumer billing dispute protections. Attached supporting evidence list I will upload on the CFPB portal : XXXX. Screenshot of Citi XX/XX/XXXX encrypted final dispute denial secure email XXXX. All Citi overdue payment reminder emails threatening penalties/credit reporting XXXX Credit card transaction receipt for the {$9600.00} disputed charge XXXX. Written records proving no goods/services were ever delivered by the merchant

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