Consumer complaint received 2026-07-01 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: FL

Complaint narrative:
Subject : Rebuttal of Denial Citibank Willfully Ignoring Evidence & Repeatedly Siding with Deceptive Merchant ( Account Ending in XXXX ) I am writing to formally reject Citibanks latest denial of my billing dispute. This marks the repeated occasion that Citibank has summarily dismissed this dispute, entirely favoring the merchant 's narrative while completely ignoring the objective, regulatory evidence I have submitted. Citibank is operating in bad faith by rubber-stamping the dentist 's claims and ignoring federal consumer protection standards under the Fair Credit Billing Act ( FCBA ). How Citibank Has Ignored Evidence and Repeatedly Sided with the Merchant : Failure to Review the EOB : Citibanks argument for deciding in the dentist 's favor is that the charge was " authorized. '' This entirely misses the point of an overcharge dispute. I have submitted an official insurance Explanation of Benefits ( EOB ) showing that the dentist charged an amount that is illegal under their in-network contract. Citibank has repeatedly ignored this document. Refusal to Correct a Proven Overcharge : The dentist ran my card for an amount that violates their contract. By repeatedly denying my dispute, Citibank is actively assisting a merchant in committing balance billinga practice heavily restricted by federal and state frameworks. Pattern of Automatic Denials : Rather than conducting a good-faith investigation into the accuracy of the billed amount, Citibank has repeatedly and blindly sided with the dentist simply because a card transaction occurred. A merchant can not legally " authorize '' a charge for an arbitrary, contract-violating amount, and Citibank can not legally pretend that evidence of this overcharge does not exist. The Facts Citibank Refuses to Acknowledge : Amount Charged by Merchant : $ [ Total amount charged to your card ] Legal Patient Responsibility per Insurance EOB : {$170.00} Clear, Documented Overcharge : {$550.00} for the extraction, plus a {$50.00} initial exam fee they also double charged for as proven by the forms submitted previously showing they charged my insurance {$100.00} for this service and at the time of payment took {$50.00} from me personally. The attached EOB refutes every single claim the dentist has made to justify keeping this money. By continuing to side with the merchant despite clear visual and legal proof of an overcharge, Citibank is failing its regulatory duties. I request that an executive compliance managernot an automated systemreview the attached EOB, acknowledge the blatant overcharge, and reverse the amount of {$550.00} immediately. Attached Documents : Copy of the insurance Explanation of Benefits ( EOB ) proving the legal maximum patient responsibility. Itemized receipt showing the dentist 's contract-violating overcharge.

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