Consumer complaint received 2026-01-26 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is an illegal scam artist mover. They used the internet and phone over interstate as fake movers. They charge credit cards and con into upgrades they never intend on providing. They send movers to continue scam the scam by trying to extort more money, tell you they can only move XXXX your stuff and threaten to leave and not move if you don't pay more now and at the destination. They bring out trucks that are XXXX the size you agreed to and tell you they cant move some of your stuff, its too heavy etc. Then fake that they will send someone else who ends up doing the same thing. They win credit card disputes scam because they alter contracts and misrepresent you and the agreement and know that in my case CITI will not look at mountains of audio and video evidence and will only look at their altered and misleading contract. Further police agencies pass this from one jurisdiction to another, which allows these illegal movers to perpetuate and operate with impunity. This is a well known scam in the industry known by the agencies. 

Dates were XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX Dispute {$2500.00} {$3000.00} XXXX Dispute {$2500.00} {$3000.00} XXXX The credit card company uses foreign call centers who struggle to even understand the issue and the language. These foreign call centers make promises regarding your matter that they don't honor. One of the call centers actually laughed at me saying that they would not have the time to look at audio and video evidence so I shouldn't even bother sending it and they wouldn't look at it. They told me they don't look at it. I sent audio and video evidence anyway and they did not look at it or consider it and I got emails saying that they could not view any Internet information or XXXX links which there is over XXXX XXXX  of audio and video evidence proving this fraud and identity theft. The company uses your information and alters their contracts and then relies on the credit card companies not to do their due diligence and look at the entirety of the claim. 

Again it's a well known scam and all the moving companies that are legitimate know about it. You would be very amazed at the audio and video I have period I was promised a XXXX foot truck with the lift gate at XXXX cubic feet with a direct move and nobody else on it and when they came out they again threatened to not to take all my stuff and they brought a truck that was half the size that would even be able to move my stuff. Because the credit card company does not do their due diligence to protect me from fraud like this that's why people use a credit card and that's what the standards of XXXX in the dispute process expect that they will judiciously honor your dispute. Instead I was told that I had to work it out with the scam artist people and that is not possible to work it out with people who commit fraud and identity theft. It's a clear case of theft if you read their letter dishonoring the dispute it reads like a foreign person wrote it that doesn't understand the English language and it literally makes no sense. 

On this basis and the facts of the dispute and their unwillingness to look at it I am disputing this debt as a violation of the fair credit reporting act and I'm also filing a complaint against them. I have so much evidence I can provide they didn't look at and their files are limited in size and the type you can send. They can not make a proper determination of the dispute without looking at the entirety of the evidence. I request the debt be removed and nullified and all collection activity and negative reporting be removed. 

I have mailed them documents and video they never looked at. I will be including links to video and audio and some files if size etc below does not restrict me which it has with them and most every agency which allows this fraud to continue and them to allow it. 

An Identity Theft Report has been made due to the falsification of documents in this fraud and use of my identity over interstate wire ( phone & internet and in person making false representations about me and the contract and what was agreed to in perpetration of this scam. There is open cases with the Department of Transportation 's Office of the Inspector General ( OIG ), DOT, Federal Motor Carrier Safety Adm ( FMCSA ), FTC, FBI, IC3 and XXXX. We contacted law enforcement at the move point which was XXXX CA they referred us to our new address in XXXX XXXX Texas, they referred us to law enforcement at the moving companies location XXXX XXXX XXXX who referred us back to Texas. We contacted Florida Attorney General and the county and they referred us to the federal government and the above listed agencies. This has become one giant circle jerk and I'm being told by all of these agencies that it's a known problem and it's part of the problem is that nobody takes jurisdiction so this is basically essentially fraud that is able to perpetrate because federal agencies aren't taking ownership. This company is criminal and they have taken advantage of many many people and they continue to do so with impunity. 

Video & Audio not listened to on XXXX mailed, emails with links and attachments that couldn't send : Short video just the mover when they came out. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In the dispute denial letters that is very poor English which is evidence to their poor handling of this, it states : The merchant has again denied our request for credit of this charge. We are unable to reopen our investigation of the disputed charge on your account, stating that you have received the service. 

This is hogwash. It doesn't matter if the merchant denied their request to credit the charge or not. The merchant is a scam artist fraudster and they committed fraud and extortion and they are under investigation. They use fraudulent tactics and identity theft by altering your information and lying to the credit card company in order to get you to do business with them and then deny any credit when you dispute it. This is absurd to think that their action should even me to request a credit from the merchant because as it stated in clearly evident they are fraudsters and they are committing fraud and so why would they even provide a credit? They rely on people being so scared and so desperate to do their move and so scared they won't get a credit by saying you're never going to get a credit from your credit card company that people will pay more and allow this fraud to perpetrate. People are so desperate that they do it and this is can be seen in the reviews that people post where they haven't done anything. Also credit card companies don't do their due diligence to fight these people and therefore they would be able to get the money back from the banks that they use because they're committing fraud but instead they just let them keep the money because they do a lazy tough asked investigation where they didn't even look at all the evidence. And law enforcement agencies and all these government agencies keep passing the buck to everyone else and they know it's a problem and they just hope people don't get trapped in it and they just tell everybody ohh yeah we know that's a problem there's not much we can do it just happens but it's all of these incompetent agencies and credit card companies and banks that are allowing this and it is a travesty and they all need regulated and fined for allowing this. Law enforcement says call the other agency the other agency says call the other law enforcement the FBI says to call the XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX They called somebody else. And they all say we know what's going on we know what's going on they are hard to catch. Well no wonder nobody is doing their job. Meanwhile I'm expected to pay for this when I have a credit card that's supposed to protect me from fraud and identity theft and scams like this. There is no chance that this should even be a valid charge and that they should even try to go back to the merchant they should go to the bank and say hey the people that you work with or that you allow to process this stuff is involved in fraud. 

The denial also states : Your dispute involves you have agreed to merchant 's policy. 

This sentence doesn't even make sense. First of all the contract they send is invalid it's not even done according to the law as they need to do an in person or video inspection for that and they violated the law on what movers are supposed to do in order to get a contract like this so even the contract itself was a fraudulent illegal contract and therefore I'm not responsible for it. You can't go off of a contract that's fraudulent and illegal and later contracts they altered and use that with the credit card company and then lied about it to the movers me and the credit card company. What merchant policy did I agree to? The policy that they promised me XXXX cubic feet a direct move with nobody else on it with a lift gate and a XXXX foot truck and then came out with half that capacity and telling me that they can't do my move unless I only take half the stuff and they'd have to charge me more a pure extortion scam XXXX fraud that illegal movers perpetrate and all these government agencies know it and they will confirm it and they do confirm it and I've sent confirmation in my evidence prior to this and now there's stuff from the California XXXX XXXX and everything. They've seen it all as they looked at it which they did not. But I never agreed to them scamming me. We paid for a service we did not get we paid for a capacity we did not get. They tried to extort more money. In the monies they were supposed to provide money for an upgraded truck, for moving boxes and for a fuel service charge does the broker get to keep all that that sounds like stuff to carry you're supposed to keep. But then they represented themselves as the carrier not a broker until months later and we're almost ready to move and then we're in a panic like everybody else like ohh no we've got to do this who the XXXX 's coming out and the people that came out were all part of the fraud they even say that I got scammed and they knew it if you listen to the audio from the lady from that moving company knows that they were a fraud and a scam and they just do business of them anyway ohh well we don't get any money from them they say we've got ta collect it on our own and the way they collect it is also illegal in cash that's also illegal and I sent pictures and everything else which they promised me in audio video and e-mail that they provided it to the movers which they did not this entire transaction all of them are a scam and a fraud and the credit card allowing it is absolutely illegal and against XXXX terms in the terms of decency and common sense in the banking I'm sure there's a bunch of banking laws and everything else that this allowing this violates. 

Additionally the denial states : Also, the agreement was initialed and accepted. Therefore, we have no means with which to obtain the credit on your behalf. You will need to work directly with the merchant to resolve this matter. 

What does it matter if the agreement was initiated and accepted? Someone would initiate an accept an agreement with a legitimate valid mover just because an agreement was initiated and accepted does not mean that that agreement is not fraudulent or was not a scam. It also doesn't mean that even if it was a valid mover that they didn't violate the agreement or that I didn't get the services that we're supposed to be provided. They are a scam and a fraud they did not provide the services that they promised and the credit card company is responsible under the law to credit this back permanently because of the fraud and scam perpetrated against me. They claim they have no means to which you obtain the credit on my behalf. Well the truth is they have to eat the charge because that's what the benefit of the credit card company is and that's what the law says. Because it was fraud and I was not providing the service I was entitled to and I have evidence of it even the most basic parts they didn't even bring a large enough trunk for my stuff that we supposedly were supposed to get that they literally have on this fake contract it was half the size just on those grounds alone I'm due a refund regardless of whether they get the money from them. It's the bank 's responsibility to get the money from the other institution that they bank with that processes this. This is a problem between the credit card companies but they're pushing it off on me and This is why corporate profits on these credit card companies is so egregious because they are violating the law and even Citibank should be prosecuted for this travesty and this violation of the law and they are pushing my buttons and I will pursue this through every Ave. in Congress and everybody until somebody listens and Citibank pays unless they credit this money back and fix my credit report and end this travesty. 

They lastly say : Now that the investigation is complete, we have reversed the conditional credit. 

They say now that the investigation is complete they are reversing the conditional credit but in the same letter they say they are unable to open their investigation of the disputed charges. This is double talk. How can they say the investigation is complete when earlier and they say they're not even able to open it. Because they never looked at it they didn't look at it the first time they just got some XXXX  from this mover that's illegal that relies on the credit card company not doing their job that has seen it over and over again because these credit card companies not do their job and so they just win automatically because the bank won't do their job the credit card company won't do their job and then they send letters like this to the customer and expect us to roll over when the credit card company is violating the law themselves. They did not do an investigation and the evidence clearly states and shows that this was a fraud and they should not allow it. They are not getting XXXX XXXX from me out of this. And I'm going to sue them for violating the fair credit reporting act and I can't wait until they try to take me to court over this debt because I can't wait to say all this in the court and I will give the jury a jury trial and I will get XXXX people to totally understand what I've been through and what this credit card company is doing to me and they will have punitive damages for this mark my words I will not stop.

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