Consumer complaint received 2026-02-26 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: MN

Complaint narrative:
Disputing {$190.00} charge from XXXX XXXX XXXX ( XX/XX/year> ). As the Authorized User and intended sole driver, I determined the merchant could not meet my immediate logistical needs. To mitigate damages, I secured a more timely rental from XXXX ( Agreement XXXX ) in XX/XX/year>, shortly after the merchant failure. This is a 'service not delivered ' per 15 U.S.C. 1666 ( FCBA ). Merchants failure to meet 'expectable public demand ' violates Minn. Stat. 325D.44 and constitutes deceptive practice under Minn. Stat. 325F.69. Citibank Case ID : XXXX. XXXX of funds for a service never accepted is Unjust Enrichment under MN law. '' Desired Resolution " Full permanent credit of {$190.00} to account ending XXXX. Recognition of market mitigation via XXXX due to original merchant 's failure to perform for the intended driver. Failure to resolve by XX/XX/XXXX will result in a claim for Average Loss of Earnings due to capital deprivation. Attachment Descriptions Attachment 1 : Citibank Dispute Notice " Official dispute notification from Citibank for Case ID XXXX regarding the {$190.00} charge. This confirms the bank is aware of the merchant 's failure to perform but has delayed resolution until XX/XX/year>. '' Attachment 2 : XXXX XXXX XXXX XXXX " Rental agreement XXXX for {$140.00} from XX/XX/year>. This is evidence of proactive market mitigation. As the intended sole driver, I secured this alternative transportation after the original merchant failed to meet my immediate logistical needs. '' Attachment XXXX : XXXX XXXX XXXX XXXX Evidence of the original {$190.00} transaction with XXXX XXXX XXXX. This document establishes the contract that was not delivered as agreed under 15 U.S.C. 1666 and Minn. Stat. 325D.44. '' Attachment 4 : Authorized User Verification " Official Citibank correspondence dated XX/XX/year>, verifying my legal status as an Authorized User on the account ending in XXXX. This confirms my standing to initiate this dispute and protect my financial interests. '' Calculation of Damages " Per the 103-day window between the XXXX mitigation and the projected resolution date ( XX/XX/XXXX ), I am claiming an average loss of earnings of {$8.00} for capital deprivation. Total requested resolution : {$200.00}. '' Addendum : Statement of Legal Standing as Authorized User " I am filing this complaint as a legally entitled Authorized User ( XXXX ) for the account ending in XXXX. Under Regulation Z ( XXXX XXXX XXXX ) and the Fair Credit Billing Act ( 15 U.S.C. 1666 ), an authorized user who is the primary person involved in a transaction has a 'legitimate interest ' and the legal authority to dispute billing errors, particularly when services are not delivered as agreed. As the intended sole driver for the disputed XXXX XXXX, I am the party who directly suffered the loss of capital and the party who successfully performed the market mitigation through XXXX ( Rental XXXX ) on XX/XX/XXXX. Consequently, I am the rightful claimant for both the {$190.00} principal and the {$8.00} in average loss of earnings resulting from the 103-day deprivation of my capital. The attached Citibank correspondence ( dated XX/XX/year> ) confirms that the bank recognizes my status as an Authorized User with the authority to manage this account online and engage in dispute resolution. '' I am submitting this complaint for Myself as a legally entitled Authorized User. Per XXXX XXXX. XXXX, as the party responsible for the logistical coordination and mitigation of this rental, I have the direct legal authority to dispute this billing error. Citibank has officially recognized my status as an AU ( confirmed in correspondence dated XX/XX/year> ). I am the party seeking the {$190.00} refund and the {$8.00} average loss of earnings for the 103-day window of capital deprivation. 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