Consumer complaint received 2025-10-09 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: VA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX  Our CITI CARD dispute locator for our Citi Card XXXX that ends in XXXX is attached. 
CITI card has just rejected our claim that we do not owe this {$4500.00} which means that they are now in trouble, for refusing to read, review and properly handle our billing dispute. 

Attached is the timeline for our {$4500.00} ransom ( ie not owed, paid under duress, and immediately disputed because of XXXX XXXX  like tactics against consumers, and XXXX failure to comply with Fair Billing practices. 

XXXX STILL OWES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4500.00}. XXXX Here are some notes. 

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STILL OWES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4500.00}. XXXX and we have been disputing it, since XX/XX/year> the date of the ransom money, and attempt to steal a shipment you picked up on XX/XX/year> even with a {$0.00} balance on our credit account, and a Billing dispute for {$4500.00} in progress. XXXX threatened, in writing to steal from us. Since they are an XXXX XXXX, and not the MAFIA, please take the time to have XXXX read, the attached and refund our {$4500.00} before CITI card and XXXX are both going to be in legal trouble. For the record, XXXX is so bad, that even after we paid this {$4500.00} on XX/XX/year>, they still took a completely different shipment, on a different XXXX number that was picked up on XX/XX/year> and hid it from us for 8 days. With {$0.00} owed on our credit l account. We owed them nothing, and they stole from us! They said that it was lost. Then the found it. They are a dishonest, disreputable firm full of thieves. My {$4500.00} needs to be returned immediately to settle this claim against CITI Card for non compliance with Federal Law. 

Most importantly, XXXX said that because our XX/XX/year> shipment weighed XXXX XXXX more than quoted ( and the dimensions or other services were correct on the XXXX  ) that they wanted us to pay {$4500.00} more. That is not refusing to pay for services as quoted, that is XXXX violating our contract and the law. 

XXXX : XX/XX/year> on XXXX XXXX was dropped off at XXXX terminal in XXXX XXXX I complained many times in XXXX during our billing dispute with the team, that contrary to XXXX own rules, that XXXX XXXX terminal called our customer in XXXX to complain about something, even with my number as the XXXX for Billing on the XXXX, they never called me. Had they called my company, which is their policy for XXXX ( ie normally XXXX would gather approval from the Billing party before even charging {$40.00} more, and they knowingly refused to contact XXXX XXXX XXXX after our terminal drop off in XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Had they done the right thing. And said that they wanted to increase our quote from {$2200.00} to {$6700.00}, we would have picked up the freight. That Is their problem to resolve, as far as training is concerned. 

XX/XX/XXXX XXXX deposited a check that acknowledges in the memo line that XXXX XXXX is paid in full. PAID CHECK COPY IS ATTACHED. 

XX/XX/XXXX after many emails, a formal written Letter of Dispute emailed to XXXX asserting our Billing Rights and that the extra {$4500.00} was not owed, with all evidence, quotes, XXXX and etc. 

XX/XX/year>, XXXX sent us the attached threatening letter in retaliation for our legitimated billing dispute, because the amount owed for XXXX XXXX XXXX of weight on a XXXX shipment, contractually is {$24.00} not {$4500.00}. XXXX threatened to steal, hold hostage, charge daily fees or auction off a completely NEW shipment picked up on XX/XX/year>, unless we paid a ransom fee of {$4500.00} which is not {$24.00}. Since XXXX is not the XXXX they are an XXXX XXXX, this is unexpected and illegal/ immoral / unethical. 

On XX/XX/year> within XXXX hour of making the Ransom payment of {$4500.00} to XXXX so that they would not steal an unrelated shipment from us, I wrote to XXXX that we had just made the payment on our CITI XXXX card of {$4500.00} under duress, that is was illegal to force a payment on that rather than handling a billing dispute. That is retaliatory and illegal. 

XXXX said that because our XX/XX/year> shipment weighed XXXX XXXX  more than quoted ( and the dimensions or other services were correct on the XXXX  ) that they wanted us to pay {$4500.00} more. That is not refusing to pay for services as quoted, that is XXXX violating our contract and the law. 

XXXX still took the other shipment, on a different XXXX that was picked up on XX/XX/year> offline and hid it from us, and our customer. XXXX customer service said that they had No idea where the missing freight was. Even after we paid the {$4500.00} to the XXXX XXXX they were about to : Steal, store, hijack, or auction off a shipment picked up XXXX days earlier, and with our Acct at {$0.00} owed, according to XXXX they would do this. 

XXXX needs to be aware that I will not letting them get away with this, should they refuse to refund the {$4500.00} in ransom that I sent them an appropriate dispute for an hour after making that payment, in order to avoid XXXX stealing a customers Freight that was unrelated and picked up XXXX  days earlier on XX/XX/year>. 

Thanks 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