Consumer complaint received 2020-05-13 00:00:00
Product: Credit card or prepaid 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: NY

Complaint narrative:
I am excising my rights under and pursuant to 15 USC 1666i, Claims and Defenses. 
I persist that and claim that goods or services were misrepresented, defective, or not delivered. Named as XXXX XXXX Charge. 

Under Federal law ( 15 US Code 1666, 1666i, and 1640 ( e ) and in 12 Code of Federal Regulations 226.12 ( c ) and 226.13 ) I dont have to pay until Citibank resolve the issue with the merchant.

I will retain payment, and if Citibank takes legal action, I will proceed to the full extent of the law.

USDOT has clearly stated that I am in the USA and the carrier 's office is in XXXX USA, and US laws apply, when Citibank refused to comply, I moved now the Claims and Defenses law. 

Furthermore Citibank, claims to be except from complying with US law. 

A ticket was purchased and the flights were cancelled, hence the dispute, Citibank never contacted me and never gave me the opportunity to answer. As a matter of fact never contacted me by any means. I have contacted the US DOT Under current law airliners are required to full refund cancelled trips. https : //www.transportation.gov/individuals/aviation-consumer-protection/flight-delays-cancellations I was then advised as well to dispute the charge with the credit card, Citibank sided with the merchant ignoring me and ignoring US law XXXX Citibank was bailed with tax payer money years ago it acts solely against taxpayers. -- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX Sent : Thursday, XX/XX/2020, XXXX XXXX  XXXX Subject : XXXX Acknowledgement Thank you for contacting us concerning your air travel issue. The U.S. Department of Transportation seeks to ensure that all airline passengers are treated fairly. Complaints and comments from consumers are helpful to us in determining whether the airlines are in compliance with our rules and to track trends or spot areas of concern that warrant further action. Your complaint or inquiry will be assigned to an analyst for review and you will receive a more detailed acknowledgment from us within a few days. Thank you again for taking the time to contact us. Aviation Consumer Protection Division U.S. Department of Transportation PERSONAL INFO : Passenger - Mrs XXXX XXXX XXXX CONTACT INFO : XXXX XXXX XXXX XXXX, NY XXXX Home Phone : XXXX Daytime Phone : XXXX COMPLAINT INFO : Airline CodXXXX : XXXX Flight Date : XX/XX/2020 Flight Itinerary : XXXX XXXX XXXX XXXX XXXX Description of Problem/Inquiry/Comment : The following ticket were purchased directly from XXXX, and XXXX has canceled all flights, refusing to give a full refund. XXXX XXXX XXXX XXXX Have sent emails to Customer Service and the XXXX XXXX - CEO but not a word. Calls are being disconnected and emails not being replied to. Total paid per ticket USD {$760.00} Totaling USD {$760.00} I expect a full refund and its over ten business days since they were emailed. Thanks.

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