Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Date Name Description Amount XX/XX/year> XXXX XXXX CITIBANK CONDITIONAL CREDIT FOR DISPUTE - {$94.00} XX/XX/year> XXXX XXXX XXXX XXXX IL Disputed {$94.00} XX/XX/year> XXXX XXXX REVERSE XXXX XXXX Disputed {$94.00} XX/XX/year> XXXX XXXX CITIBANK XXXX CREDIT FOR DISPUTE - {$94.00} XX/XX/year> XXXX XXXX XXXX XXXX IL Disputed {$94.00} Transactions End of Activity Total Activity Last year ( 2025 ) {$94.00} Citibank shows a credit on an XX/XX/year> statement and says because they do not put a date in one spot that the credit will not show in the download of all transactions at the end of the year when i download the entire year. All other dateless credit entries are reflected in the end of year download. There is no reason this credit is not treated like all other credits that are retrospectively combined into the same date as the original charge. example : If the original charge date is XX/XX/year> and in XXXX, Citi grants a credit for the charge, that credit shows not on the date they decided to grant the credit, in XXXX, but that credit instead shows on the same date of the original transaction. Later, Citi reversed the credit and charged me again for the erroneous charges ... then, after i provide a recording from the vender promising all accounts were already closed months before error in charges on XX/XX/XXXX, and the vendor and Citi agreed to credit back but the reversed credit, I am not able to verify this recredit of the reversed credit because Citi refuses to show it along side ALL OTHER DEBTS AND CREDITS or even at a later date, within the ledger view. They say they applied the credit but since they do not show a running balance, it is impossible for me to reconcile and my accountant says there is not credit to my balance or it would show in the ledger view. Citibank is making it so consumers can not reconcile when citibank makes a mistake. All credit and all charges should be in the timeline on ledger view. ALL OF THEM. I have never seen credit randomly applied without being in ledger view with all other Citibank credits. They always make the credit reflected on the date of the charge. and i am fine if the credit shows on the date it was granted ... a month later. But this credit for XXXX is not showing up at all in the ledger view. They only recourse i would have is if Citibank provides a running balance. They no longer do this. Citi credit card for XXXX refuses to show the running balance which ends up being to their advantage as it prevents a rightful credit back to customer being evidenced by plain old fashion accounting. I disputed a charge and provided explanation and conversation with vendor who promised the credit back. Citi gave conditional credit. Then citi decided to charge me back again and the credit and the charge appear retrospectively on the ledger view. I called Citi out on the error because Citi said they chose to side with me based on the 100 % factual proof and recordings i provided. They sent a letter confirming permanent credit. So i ask them to do the same thing and show the permanent credit retrospectively as they had done previously. They said that did. I keep downloading the csv ledgers and there is not correctional credit back. there is no way for me to verify because citi doesn't show running balances. They can do what ever they want. They do not have to care. They can just keep the {$94.00}. I will be appealing to XXXX to get a new card carrier. XXXX is a good company and we all deserve to be treated better for the money we are spending through these corporations that are ruining our country and disrespecting good businesses like XXXX and their customers,

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