Consumer complaint received 2026-04-01 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: NY

Complaint narrative:
Note : This is a resubmission of CFPB complaint Case # XXXX, originally filed in XXXX. I am refiling because I was not notified via email ( via CFPB ) that Citi had responded to my prior complaint, and therefore was unable to address their response at that time. Citi 's response, dated XX/XX/XXXX, cited the " age of the disputed charges '' as grounds for refusal a circular argument, as the age of these charges is a direct result of Citi 's own original denial in XXXX, not any delay on my part. I originally disputed these charges with Citi in XXXX, within the appropriate timeframe, and was denied at that time. Between XXXX and XX/XX/XXXX, I paid {$6700.00} across XXXX transactions on my Citi ThankYou Preferred card ( ending XXXX ) to XXXX XXXX XXXX, operated by XXXX XXXX XXXX, who represented himself as a XXXX. I was referred to him on XX/XX/XXXX. On XX/XX/XXXX, after a phone consultation in which he promised complete relief of my symptoms ( XXXX, XXXX XXXX XXXX XXXX XXXX ), he charged my Citi card without any in-person examination. Because he was in Texas and I was in New York, he insisted an in-person visit was unnecessary a position my treating physicians later confirmed was illegal and a violation of standard of care. The XXXX Citi transactions included charges for : a remote " XXXX XXXX '' a computerized scan conducted entirely online that produced XXXX diagnoses involving XXXX, XXXX, and " XXXX XXXX XXXX XXXX, '' none of which constitute recognized medical practice ; supplements provided with no dosage instructions and dangerous contraindications ; {$4000.00} to " rent '' a XXXX XXXX device with a promised 30-day cure that never materialized ; an unproven light/sound device and accessories ; essential XXXX to be applied to the XXXX XXXX XXXX ; and {$130.00} per session across XXXX XXXX " XXXX XXXX '' sessions between XXXX and XX/XX/XXXX. None of these treatments provided any symptomatic relief whatsoever. The " medical records '' XXXX provided consisted entirely of these same XXXX XXXX results they bore no resemblance to standard medical records, as confirmed by medical professionals who reviewed them. In XX/XX/XXXX, I was hospitalized with a large XXXX XXXX and underwent a XXXX on XX/XX/XXXX. My XXXX a board-certified XXXX at XXXX XXXX XXXX subsequently wrote a letter stating that the treatments were non-therapeutic, rendered under false pretenses, without any in-person examination, and that practicing across state lines without a license violates standard of care. The consequences of this ordeal have been long-lasting and XXXX. XXXX XXXX in otherwise healthy adults in their early thirties are exceedingly rare. Prior to my treatments with XXXX, my XXXX were entirely clear. Following my initial XXXX in XX/XX/XXXX, during which XXXX XXXX XXXX were placed, I subsequently required a second XXXX XXXX in XXXX to replace those XXXX with a single custom XXXX due to the danger of XXXX XXXX they posed. I have also experienced ongoing XXXX as a direct result of these surgeries, causing significant loss of income due to inability to work during recovery periods. Including my professional acting career which was forced to be put on hold because of the large XXXX across my XXXX XXXX. Additionally, I have required XXXX procedures to address complications from the XXXX. I now carry the permanent physical, financial, and XXXX consequences of this ordeal. I confirmed that XXXX XXXX XXXX holds no medical license. On XX/XX/XXXX, the Texas XXXX XXXX wrote to me on official letterhead confirming that they had opened Investigation File # XXXX into XXXX XXXX for practicing medicine without a license in person and online. The XXXX 's own letter documented that XXXX charged me over {$13000.00} in total for treatments that did not work and caused harm. I signed a confidentiality waiver on XX/XX/XXXX allowing my complaint to be used as evidence in any legal proceedings. His title of " XXXX '' designates a self-reported " XXXX XXXX '' practitioner, not a licensed XXXX a distinction the Texas XXXX XXXX has issued cease and desist orders over in similar cases. On XX/XX/XXXX I formally requested a refund. On XX/XX/XXXX XXXX verbally agreed to a {$12000.00} refund payable at $ XXXX. When I followed up on XX/XX/XXXX with a witness present, he rescinded the offer and falsely claimed we had agreed to {$7000.00}. No agreement was reached. Additionally, XXXX 's son texted me on XX/XX/XXXX stating that they had been considering giving me a partial or even full refund an independent written acknowledgment from within the business that a refund was warranted. I disputed all XXXX Citi transactions totaling {$6700.00}. Citi denied them in XX/XX/XXXX, stating services were rendered and that they could not assess service quality. I filed a CFPB complaint ( Case # XXXX ). In XX/XX/XXXX, Citi 's Executive Response Unit denied again, this time citing the " age of the disputed charges '' as their reason for being unable to assist. This reasoning is disingenuous the age of the charges is entirely a consequence of Citi 's own denial in XXXX. I filed my disputes within the appropriate timeframe. Citi chose to deny them then, and is now using the passage of time caused by that denial as justification for continued denial. It is worth noting that I made additional charges to this same merchant on separate XXXX credit cards and disputed them on the same grounds during the same period. XXXX reviewed the facts and credited me in full. Citi is the only card issuer that has refused to do so. I am submitting this refiling with supporting documentation and respectfully request that the CFPB compel Citi to credit my account in full.

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