Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
CITIBANK CASE # ( XXXX ) CARDHOLDER  is XXXX XXXX This XXXX a report of multiple violations of federal and state laws, including the Electronic Fund Transfer Act ( EFTA ), Georgia Fair Business Practices Act ( FBPA ), and Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). 

XXXX. XX/XX/year> : Unauthorized charge of {$1600.00} processed by XXXX XXXX XXXX  XXXX XXXX XXXX. XX/XX/year> : XXXX XXXX promptly filed initial dispute XXXX. XX/XX/year> : Provided additional dispute information XXXX. XX/XX/year> : Received Citibank 's letter maintaining charge XXXX. XX/XX/year> : Submitted comprehensive dispute documentation XXXX. XX/XX/year> : Citibank 's response revealed they had NOT conducted an independent investigation XXXX. XX/XX/year> : Citibank demonstrated willful misconduct by rebilling the account despite clear evidence of fraud XXXX. XX/XX/year> : Citibank issued third denial of dispute, with notice deliberately delayed until XX/XX/year> XXXX. XX/XX/year> : Card Holder 's authorized Power of Attorney representative spoke with XXXX XXXX XXXX XXXX ) in a recorded conversation XXXX. XX/XX/year> : Formal Letter of Rebuttal emailed to Citibank billing dispute department with explicit request for forwarding to Legal Department Listing all evidence furnished to CITIBANK disputes and legal departments as follows : Items included for review are as follows : XXXX Letter in response to Citi Letter dated XXXX Signed Exhibit A - XXXX Citi XXXX Signed XXXX by XXXX XXXX - XXXX pages Exhibit B - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Printed Estimate ( note this is NOT a contract ) Exhibit C - Atlas Storage is NOT Authorized by XXXX  to transport or arrange the transportation of Household Goods Exhibit D - XXXX - Confirmation XXXX Exhibit E - XXXX Articles of Incorporation XXXX XXXX XXXX XXXX XXXX Exhibit G - XXXX Complaint XXXX filed XXXX XXXX XXXX a division of XXXX XXXX XXXX XXXX XXXX XXXX is NOT Authorized by XXXX to transport or arrange the transportation of Household Goods Exhibit H - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Printed One Time Credit Authorization Exhibit I - XXXX XXXXXXXX XXXX XXXX XXXX XXXX Email XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Email Moving Estimate XXXX XXXX. XX/XX/year> : In a recorded conversation, XXXX XXXX ( Power of Attorney ) spoke with XXXX  ( Dispute Team XXXX ) who : o Confirmed receipt of XX/XX/XXXX correspondence o Stated dispute department would take no further action o Was informed of intent to communicate directly with Legal Department o Demonstrated Citibank 's continued pattern of obstruction o Further evidenced willful refusal to properly investigate o Necessitated this formal legal demand This sequence of events demonstrates not only negligence but an escalating pattern of willful disregard for consumer protection laws and banking regulations, rising to the level of egregious misconduct, despite multiple attempts to resolve through proper channels.

This NOLO ( No Investigation, Listen Only ) approach by Citibank demonstrates a complete abdication of their investigative responsibilities under federal law.

VIOLATIONS AND NEGLIGENCE : 1. Electronic Fund Transfer Act ( EFTA ) Violations : o Failure to properly investigate the disputed charge o Failure to provide provisional credit within 10 business days o Failure to follow required error resolution procedures o Continued processing of unauthorized charge despite clear evidence of fraud 2. Willful Failure to Investigate ( NOLO ) : o Conducted no independent investigation whatsoever o Relied solely on vendor 's response despite overwhelming evidence of fraud o Deliberately ignored documented evidence provided by cardholder o Issued multiple denials WITHOUT proper investigation o Deliberately delayed notification of dispute decisions o Demonstrated pattern of obstruction and delay o Disregarded evidence that XXXXXXXX XXXX XXXX XXXX XXXX was not authorized by XXXX - license had been revoked ( Regulator for the Moving and Storage industry ) o Ignored proof of deceptive electronic signature practices o Failed to consider the merchant 's extensive complaint history o Overlooked violations of 49 CFR 375.401 ( a ) regarding physical surveys o Disregarded evidence of merchant 's non-compliance with XXXX requirements XXXX. State Law Violations : a. Georgia Fair Business Practices Act ( FBPA ) : o Failure to implement proper fraud prevention measures o Knowing facilitation of unauthorized charges o Unfair billing and collection practices b. Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) : o Engaging in unfair methods of competition o Unconscionable acts in trade/commerce o Improper handling of unauthorized charge disputes The attached documented represent the XX/XX/year> Email to the CITIBANK legal department end the exhibits attached to the email. 11 Attachments and XXXX XXXX as designated as my Power of Attorney

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