Consumer complaint received 2026-06-17 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: GA

Complaint narrative:
On XX/XX/XXXX, I was charged {$240.00} by a towing company after my vehicle was towed from the apartment complex where I reside. The towing company claimed that my vehicle was not registered in the property 's required parking registration system. However, I disputed the charge with Citibank because my vehicle had been registered in the property 's parking system since XX/XX/XXXX, and I provided supporting documentation during the dispute process. Citibank initially issued a provisional credit while investigating. After several weeks, Citibank reversed the credit and closed the dispute. In its final determination, Citibank stated that it had been unable to obtain a credit from the merchant and that it had no further recourse through the dispute process. Citibank did not explain how it evaluated the documentation I submitted or how it reconciled that documentation with the merchant 's claim that my vehicle was not registered. My concern is that Citibank did not appear to meaningfully consider the evidence provided during the investigation. The final response does not address the documentation submitted, does not explain the basis for the determination, and does not indicate whether the merchant 's assertions were independently verified. I am requesting that Citibank provide a detailed explanation of its investigation, identify the evidence relied upon in reaching its determination, and conduct a further review of the dispute in light of the documentation demonstrating that my vehicle was registered at the time of the tow. The amount in dispute is $ XXXX XX/XX/XXXX, I was charged {$240.00} by a towing company after my vehicle was towed from the apartment complex where I reside. The towing company claimed that my vehicle was not registered in the property 's required parking registration system. However, I disputed the charge with Citibank because my vehicle had been registered in the property 's parking system since XX/XX/XXXX, and I provided supporting documentation during the dispute process. Citibank initially issued a provisional credit while investigating. After several weeks, Citibank reversed the credit and closed the dispute. In its final determination, Citibank stated that it had been unable to obtain a credit from the merchant and that it had no further recourse through the dispute process. Citibank did not explain how it evaluated the documentation I submitted or how it reconciled that documentation with the merchant 's claim that my vehicle was not registered. My concern is that Citibank did not appear to meaningfully consider the evidence provided during the investigation. The final response does not address the documentation submitted, does not explain the basis for the determination, and does not indicate whether the merchant 's assertions were independently verified. I am requesting that Citibank provide a detailed explanation of its investigation, identify the evidence relied upon in reaching its determination, and conduct a further review of the dispute in light of the documentation demonstrating that my vehicle was registered at the time of the tow. The amount in dispute is {$240.00}.

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