Consumer complaint received 2026-06-10 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.

Complaint narrative:
Merchant Name : XXXX XXXX XXXX ( Broker : XXXX XXXX XXXX ) Disputed Amount : {$1500.00} Card Type : Citi / XXXX XXXX XXXX XXXX XXXX Case Reference Number : XXXX Description of Incident : I am filing this complaint against Citibank for a severe violation of my consumer rights under the Fair Credit Billing Act ( FCBA ). Citibank has summarily denied a legitimate billing dispute for a {$1500.00} deposit, erroneously claiming they " are not in the business of enforcing contracts as that is a legal matter. '' This is a fundamental mischaracterization of the dispute : I am not asking Citibank to adjudicate a contract ; I am asking them to reverse a fraudulent billing charge where zero services were rendered due to merchant extortion and a classic " Bait and Switch. '' The Facts : The Legal Estimate : On XX/XX/XXXX, I contracted with XXXX XXXX XXXX for an interstate household move based on a binding estimate of XXXX XXXX XXXX. The Attempted Day-of-Move Fraud : On XX/XX/XXXX, the carrier ( Next Stop Relocation ) arrived 5 hours late and explicitly refused to touch or load a single item unless I signed a revised estimate for XXXX XXXX XXXXan illegal price escalation under Federal Motor Carrier Safety Administration ( FMCSA ) regulations ( 49 CFR 375.403 ). Refusal of Extortion : I exercised my legal right to refuse this fraudulent estimate and terminated the interaction. The merchant did not perform the move ; zero services were rendered. They kept my {$1500.00} deposit in bad faith. Mathematical/Photographic Proof of Physical Impossibility : I subsequently rented a XXXX XXXX XXXX XXXX ( industry-verified maximum volume capacity of XXXX XXXX XXXX ) and completed the entire move myself. I provided Citibank with photographic proof showing that my entire inventory filled only 80 % of the truck, leaving the top 20 % completely empty. The Math : XXXX \text { cf } \times XXXX = XXXX { XXXX \text { XXXX XXXX } }. The merchant 's high-pressure demand to charge me for XXXX XXXX XXXX was a physical impossibility. They attempted to extort me for XXXX XXXX XXXX of entirely non-existent cargo space. Citibank 's Regulatory Failure : By hiding behind a blanket " contractual dispute '' excuse, Citibank is actively refusing to look at mathematical and physical evidence proving that the billing amount demanded by the merchant was a fraudulent misrepresentation. Under the FCBA, a charge for services that were never provided, or provided under false pretenses that forced a refusal at origin, constitutes a textbook billing error. Citibank has failed to perform a meaningful human review of the documentation provided. I request that the CFPB compel Citibank 's Executive Office to review the physical evidence and permanently credit my account for this {$1500.00} unauthorized charge.

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