Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, I purchased a consultation from XXXX XXXX ( appearing on the credit card bill as XXXX * XXXX  ). I personally entered the authorization on the online form of XXXX XXXX to charge my Best Buy credit card ending in XXXX for {$50.00}. 

On XX/XX/year> I was notified by email from my Best Buy credit card that XXXX XXXX charged {$2000.00}. On the same day I reached out to XXXX XXXX asking for a refund of {$2000.00}. I received an email in response pressuring me to sign a contract with them. I did not sign the contract and asked again for the refund. No reply. 

On XX/XX/year> I filed a dispute with my Best Buy credit card which they denied on XX/XX/year>. I immediately appealed. 

On XX/XX/year> I received a phone call from XXXX, a representative from the fraud department of my Best Buy credit card, informing that XXXX Marketing was trying to charge my account for an additional {$2000.00}. The transaction was declined and my Best Buy credit card replaced my credit card to avoid further attempts. 

On XX/XX/year> My Best Buy credit card denied the appeal for the following reason " by providing them with your card, we have determined that your card was not used fraudulently. '' On XX/XX/year> I reached out again to XXXX, a representative for My Best Buy credit card, to express my disagreement and my XXXX advised me to file a form that he would make available in my online account. I filed the form and My Best Buy credit card is yet to respond. My Best Buy credit card is currently asking me to pay the full amount. 

Summarizing why I do not wish to pay the unauthorized amount billed by My Best Buy credit card : 1. I did not authorize XXXX XXXX to charge my credit card for {$2000.00}. 

XXXX. I have authorized XXXX XXXX to charge {$50.00}, which I paid for, and provided My Best Buy credit card with the online receipt of my authorization. 

XXXX. XXXX XXXX is in the business of delivering paid online ads on XXXX and XXXX. Their compensation is set to be the 30 % of the ads purchased by the client. I have purchased {$0.00} in ads and XXXX XXXX did not render any service. 

XXXX. I did not sign a contract with XXXX XXXX to secure their services. 

XXXX. I asked XXXX XXXX for a refund of the unauthorized charge of {$2000.00} and they did not respond. 

XXXX. I strongly disagree with My Best Buy credit card decision to deny my dispute. Their explanation " by providing them with your card, we have determined that your card was not used fraudulently. '' implies that if you order {$10.00} food online at a restaurant you are implicitly authorizing the restaurant to charge your card in any amount and at any time the restaurant wishes.

7. The finding of the investigation conducted by My Best Buy credit card did not produce any evidence XXXX XXXX had provided a service.

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