Consumer complaint received 2025-10-06 00:00:00
Product: Credit card — Store credit 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: FL

Complaint narrative:
CFPB XXXX XXXX XXXX XXXX XXXX / Re-Bath ( XXXX XXXX Case # XXXX, XXXX XXXX XXXX Card Dispute XXXX ) What happened : On XX/XX/XXXX, we financed a bathroom remodel through XXXX XXXX XXXX XXXX XXXX XXXX with a total contract value of {$30000.00}. The first charge of {$13000.00} was placed on our XXXX XXXX account XXXX contract signing. That is XXXX  % of total contract and a felony violation of Florida XXXX XXXX. The project was located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX. XXXX XXXX subcontracted the work to XXXX XXXX XXXX XXXX XXXX XXXX ). The subcontractor began demolition without obtaining permits or inspections, despite : - a separate permit fee listed in the contract ; and - XXXX XXXX marketing promising it would 'apply for any required permits and inspections. ' On XX/XX/XXXX, XXXX XXXX issued us a letter admitting that no permit was obtained ( we will attach this ). The subcontractor also verbally admitted : 'we normally dont pull permits. ' Public permit records corroborate a systemic absence of filings for XXXX XXXX across XXXX and XXXX XXXX. XXXX performed included wiring a new whirlpool tub directly into an existing wall outleta latent electrocution/fire hazard and clear XXXX  violation XXXX The home is XXXX construction, raising additional lead-paint and asbestos concerns from unpermitted demolition. We ( ages XXXX and XXXX ) also experienced coercive up-charges and dismissive conduct consistent with senior exploitationincluding multiple harassing demands for full payment while the project remained woefully incomplete and unsafe. Refund Remedy : XXXX XXXX and XXXX have essentially been " radio silent '' through our whole ordeal despite repeated communications on our part. We have not received clear written cancellation of the full {$30000.00} obligation, nor confirmation that our XXXX XXXX account XXXX fully cleared and shielded from adverse credit reporting, liens, or other impairments. Even if a partial refund were processed, that does not resolve XXXX obligations under the FTC XXXX XXXX ( XXXX XXXX  XXXX ). XXXX financed a transaction arranged by XXXX XXXX and subcontracted to Re-Bath that involved fraud, unsafe construction, and statutory violations, and XXXX remains jointly liable for all claims and defenses we could assert against the seller. For reference and coordination, here are other agencies already engaged : - FTC XX/XX/XXXX filing ( Holder Rule ) - SEC XX/XX/XXXX whistleblower filing ( XXXX XXXX XXXX XXXX XXXX Florida Attorney General XX/XX/XXXX letter and AG has coordinated with DBPR. Florida XXXX XXXX filing XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX ( PCCLB ) direct filing XX/XX/XXXX and in investigation - XXXX XXXX XXXX XXXX direct filing XX/XX/XXXX and in investigation. What we are requesting : XXXX ) Cancellation of the full {$30000.00} contract obligation, with written confirmation that no balance is owed and that any remaining/automatic charges are reversed. XXXX ) Written assurance of no adverse credit reporting related to this transaction, no liens or other impairments. XXXX ) CFPB review of XXXX financing relationship with XXXX XXXX to determine whether similar permit-less, unsafe projects are being financed, exposing other consumers ( many elderly ) to harm. Why this matters beyond our case : Based on XXXX admissions and public permit records, this appears not to be isolated. XXXX XXXX XXXX projects subcontracted to XXXX in XXXX potentially nationwidemay have been financed through XXXX without permits or inspections, creating systemic risk for tXXXX of consumers. Additionally : - XXXX and XXXX XXXX : XXXX touched by unpermitted XXXX XXXX XXXX XXXX XXXX XXXX or carry crippled titles, impairing resale, refinancing, and coverage. This is not just a construction issue but a financial and legal XXXX - XXXX  Parallel Exposure : XXXX is also a national partner of XXXX. If XXXX finances similar Lowes/Re-Bath projects, the same risks extend across another retailer channel, compounding systemic exposure. This should be fully investigated as well. Professional credentials/ duty to warn We submit this in our professional and personal capacities. XXXX XXXX is a lXXXX XXXX XXXX  ( P.E. ) and XXXX XXXX XXXX ( XXXX ). As a Professional Engineer and pursuant to XXXX XXXX ( C ) ( XXXX ) and the NSPE Code of Ethics ( XXXX I and Rule XXXX ), we are duty-bound to report serious XXXX misconduct and conditions that endanger the public. The practices described pose life-safety risks including electrocution, fire, and falls, not just financial harm across countless customers and homes nationally. Supporting evidence ( to upload ) Contract showing {$30000.00} total value and separate permit fee Proof of the {$13000.00} initial XXXX XXXX XXXX XXXX A : Punchlist of the XXXX XXXX XXXX N. project documenting the incompetence and extent of short-cuts taken including life-safety risks of electrocution, fire and falls Exhibit B : XXXX XXXX letter ( XX/XX/XXXX ) admitting fault, no permit and damages to owner and unsellable home We attach Exhibit D, which documents extensive violations across multiple states. This includes a XXXX franchise owner convicted of felony fraud in Nevada for similar conduct, alongside systemic evidence of permit-skipping practices. The avalanche of evidence cements the culpability of XXXX and partner companies.

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 monetary relief