Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On or about the XXXX XXXX XXXX of the current year, I became aware that my credit card with Citibank had been used without my consent or authorization since the month of XXXX of the same year. I immediately alerted the security department of Citibank and reported the unauthorized charges.

I also notified the bank representative that I was a retired and elderly XXXX person who spends the winter in XXXX, and that during that period, I generally do not use this credit card since, I do not like to use it overseas. So, I emphasized that my credit card was not used during the period when fraudulent transactions took place, I was overseas, and the physical card was sitting in a safe. Furthermore, I did not authorize anyone to use the credit card in question.

After making the initial report on the unauthorized use of this credit account and a few follow up calls, I was given credit for {$7000.00} out of some {$22000.00} of the total unauthorized charges made during the period in question. The bank has not refunded me the balance of {$14000.00} Even though the charges were disputed in a timely manner All payments, to my
credit card account, had been made to the Citi bank from automatic payments feature at my XXXX XXXX. 
After a few back and forth with the bank representative, I received a letter, dated XX/XX/year>, from Citibank and I was told that no further credits would be granted, and the dispute was now closed The charges accrued during the time were completely out of my pattern of usage, the card was used at places far from my residence, it even indicates the names of the people who apparently made those charges. 
The card was being used too frequently, it had very large purchases, including hotels, XXXX XXXX XXXX XXXX XXXX, and was used at places I could not possible be since I spend the winters in XXXX and not in the US. The bank approved charges that were obviously suspicious and fraudulent, it neither asked questions nor locked the account as it is customary with suspicious charges ( as it is, presently, banks seem to be locking C.C. accounts with a slight suspicious transaction! ) At no time did I receive telephone alerts about the anomalous use of the credit card account.

Since the bank has sent me a letter with their final decision I am appealing to the proper federal agencies to help me resolve this situation. I am asking for this help after numerous inquiries into Citibank on this matter have provided insufficient positive results.

I am elderly and a 100 % XXXX XXXXXXXX veteran with modest financial resources and can not take this financial blow with my hands down.

Please help! 

XXXX XXXX XXXX ( PS documentation pertaining to this case will be sent at a later time since at this time I lack the wherewithal to do so. )

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