Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
. XXXX XXXX XXXX Account XXXX ending in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( date of XXXX ) Date : XX/XX/XXXX Citi Card ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Disputing error [ s ] on credit report Dear : CBNA ( Citibank Card XXXX XXXX XXXX XXXX XXXX : Experian, TransUnion, Equifax I XXXX disputing the following transaction ( XXXX ) that were charged fraudulently to my account without my authorization, and to change the decision back to dismiss all changes from my closed account at Citi Card XXXX XXXX XXXX XXXX XXXX 

I am writing to request a correction of the following information that appears on my [ XXXX XXXX XXXX  ] consumer report : The report shows I currently owe money to the Citibank XXXX XXXX XXXX XXXX ) company you represent. Saying I owe the sum of {$1500.00}, which is the outstanding balance, was only {$1300.00}, 4 months ago. I am disputing the XXXX gas company charge of {$1500.00}. 

When I called in and talked with a representative. I do not know these changes. She asked me if I had lost my card, misplaced my card, are lost my wallet. In the midst of this, I received a phone call from a friend that host a baby shower XXXX months ago that I attended. XXXX other people were victims of a theft during this event. She wanted to check with me to see if I was missing any credit cards or money. I told her yes! I was on the phone with your company about some changes. I took the liberty and sent you XXXX set of copies of paper work for the investigation. I was told that it may take 30 days or more. When call back, I believe the young ladys name was XXXX, and she said that everything had been resolved and that I should be receiving the credit of {$250.00} from a credit that I had on file. It would take about XXXX to 10 days. 

So! I proceeded to close the account. So I went about my business, next thing I know, XXXX  months later, I get a letter from your company saying that you all have basically re-resend the decision that you had made with me. That you did a rush job. You later reinvestigation and now you want me to pay all this money back. 

Now, XXXX  months later, you sent me a bill, and the bill was {$1500.00}. Then I was sent another letter stating that I had to pay that bill. So someone made a rush decision on my case. Now you want me to pay for someone's negligence. I am asking that they honour the first approval of removing this account from my credit. Is there any mercy anywhere? I pray that you release this bondage from over my head. I know when I go to an events I will leave my personal belongs lock up in the trunk of my car. 

Thank you for your assistance. 
Sincerely, XXXX XXXX __________________________________________ New Letter as of XX/XX/XXXX Subject : Formal Dispute of Incorrect Balance and Reversal of Fraud Decision ________________________________________ Citibank Card Services Attn : Dispute Department CBNA ( Citibank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re XXXX Formal Dispute of Incorrect Balance and Reversal of Prior Fraud Determination Dear Citibank Card Services , I am writing to formally dispute inaccurate information being reported regarding my closed Citibank Card XXXX XXXX XXXX XXXX account and to challenge the reversal of a prior fraud determination made by your company. 
According to my credit reports with XXXX XXXX XXXX XXXX this account is reporting a balance of {$1500.00}. This amount is incorrect. The balance on this account was {$1300.00} prior to the disputed transactions, and the increase resulted from charges I did not authorize. 
Upon discovering these charges, I contacted Citibank and reported the activity as fraudulent. During my initial conversations with your representatives, I was questioned regarding possible loss or theft of my card or wallet. Around this same time, I was informed by a friend that multiple attendees at a baby shower I attended had been victims of theft, which is when I realized my card information, may have been compromised. 
I promptly cooperated with Citibanks investigation and submitted the requested documentationtwice, as instructed. I was later informed by a Citibank representative that the investigation had been resolved in my favor and that a credit of {$250.00} would be issued to my account within XXXX business days. Relying on this confirmation, I proceeded to close the account. 
However, approximately XXXX and a half months later, I received notice that Citibank had reversed its prior decision, claiming the matter was handled too quickly and that a reinvestigation resulted in denial. I was then billed for {$1500.00}, an amount that does not accurately reflect the account balance and includes the previously disputed charges. 
At no point was I provided documentation explaining : Why the original fraud determination was reversed How the new balance of {$1500.00} was calculated What evidence supports holding me responsible for these disputed charges Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), information reported to credit bureaus must be accurate and verifiable. I am formally requesting the following : 1. Written documentation validating the full balance being reported, including an itemized breakdown of all charges, payments, credits, interest, and fees 2. An explanation and supporting evidence justifying the reversal of the original fraud determination 3. Correction or deletion of the inaccurate balance being reported to XXXX XXXX XXXX XXXX if the information can not be fully verified Until proper verification is provided, this account remains disputed. Please conduct a thorough reinvestigation and provide written confirmation of the results. I truly pray that you will go back to your original decision by approving that this was an act of fraud and reverse this decision, along with removing it from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX, Missouri XXXX ( XXXX ) XXXX : XXXX XXXX

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