Consumer complaint received 2026-06-18 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: CA

Complaint narrative:
I disputed XXXXXXXX XXXX {$190.00} charge with citi ( citibank - credit card company ) and XXXX have written back : Cancellation : This charge is a Recurring Transaction linked to an active digital subscription : Late cancellation request.... they describe it as a " friendly fraud attempt. '' It was no such thing, just a demand that they honor their guarantee. So that description looks to me like defamation and tantamount to extortion. I told citi in writing that XXXX advertise " XXXX XXXX : cancel anytime. XXXX Back XXXX '' ... XXXX refuse to honor/acknowledge that they offer that, though it's been pointed out that it's shown at XXXX XXXX XXXX XXXX XXXX But they ruled against me. I hereby appeal. XXXX can't legally prominently offer a XXXX Back XXXX and then take it back in the small print. That would be deceptive advertising - bait. XXXX is infamous. See XXXX XXXX XXXX When purchased, my expensive XXXX home security devices were marketed as including a XXXX XXXX free cloud-based services as part of the purchase price. Gradual XXXX has ensued, to XXXX XXXX that the original devices have lost most of their value ... pushing buyers into subscriptions and then charging rapidly increasing prices for that. Plus I just checked and the Cancellation terms XXXX cites state : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you are not satisfied with any Product purchased from the Store for any reason, you will have the greater of ( a ) any advertised money back guarantee period applicable to your purchased Product... I checked the box to request the CFPB to publish this description on consumerfinance.gov, and prefer that they not munge anything herein - at least not the URLs. Oh, and I just noticed - I cancelled on XXXX XXXX, 2026, XXXX day BEFORE they charged me the {$190.00}! Proof : my reply to their confirmation of my support request cancelling service : From : ME To : XXXX XXXX Subject : Re : Support request received - [ ID : XXXX ] Date : Monday, XX/XX/year> XXXXXXXX XXXX XXXXXXXX KB Its not. XXXX was to XXXX citi card. On Mon, XXXX XXXX XXXX, at XXXXXXXX XXXX, XXXX XXXX wrote to : : : XXXX # # - Please type your reply above this line - # # > This is an automated response to confirm XXXX Customer Service received your request. > > Please respond with the * * serial number * * of your XXXX device if relevant to your query. XXXX XXXX Thanks, XXXX XXXX Customer Service XXXX XXXX This email is a service from XXXX. > [ XXXX ] They had written : " Your XXXX XXXX XXXX renews on XXXXXXXX XXXX XXXX. Your XXXX ending in XXXX will be charged at that time. '' Also citi support was very misleading- see screenshot - that's from after I submitted the XXXX url proving proof of the guarantee being denied.

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