Consumer complaint received 2025-04-27 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: NC

Complaint narrative:
XX/XX/year> Citibank Thank you XXXX XXXX Department Citi ThankYou XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX RE : XX/XX/year> Dispute XXXX Billing Charges Dear Citibank XXXX Department Please find I have been with the Citibank XXXX Card Account for almost 10 years now. 

I was totally scammed out of the money. You have returned and credited back to my account one of the three charges of {$500.00}. On XX/XX/year>, the Merchant : XXXX * XXXX had scammed me out of {$1500.00} with my Citibank Credit Card Account Ending In : XXXX. The XXXX used Unfair and Deceptive Practice Tactics and made false misrepresentations for me, as the Consumer, never received product pictures of work, and later became unreachable after the {$1500.00} payment was made with my credit card.

The three charges are below : Citibank Dispute Department has returned and credited back to my credit card account one of the three charges of {$500.00}. I am not responsible for the other two SCAMMED disputed amount ( s ) of the following : XX/XX/year> {$500.00} XX/XX/year> {$500.00} The Merchant scammed me of the above money with false promises and misrepresentations and false expectations. The Merchant said they would sent pictures of the work, and they never did. After the Merchant received the money from me, she illegally inflated the prices of the product up to {$1000.00} and was trying to force me to pay the new price for the products in order to receive it, which was not originally agreed upon on XX/XX/year> when payment was made. The Merchant would not even send a new Merchant agreement with the inflated prices, but sent a new price sheet after I paid the Merchant on XX/XX/year> with the illegally inflated prices. The Merchant never sent no picture or anything regarding the Merchant work. The Merchant changed the form of Consumer Communication from emails or text messages. The Merchant refused to respond back to the Consumer regard the product. Merchant asked about product more than once and not response by the Merchant. The Merhcant had become UNREACHABLE and would not respond to text or emails. When the Merhcant did respond, she was nasty and then said she was on spring break and would contact me the next week and the Merchant refused and failed to contact the Consumer the next week as promised.

The Consumer made multiple attempts to contact the Merchant, and the Merchant would not respond in XXXX either. From XX/XX/year> to the billing dispute date, the Merchant would not uphold the Consumer agreement after being paid money upfront from the Credit Card, and the Merchant thwarted and ignore the Consumer attempts to communicate leading to the Consumer voiding the Contract and properly filing a dispute with the Citibank Dispute Department.

The Consumer desperately, trying to communicate with the Merchant, because the Merchant ignored the Consumers communication attempts by text and email, the Consumer, XXXX XXXX XXXX, contacted the Merchants brother, XXXX XXXX by email, and he sent word to the Merchant. The Consumer also advised if the Merchant didnt refund the money, the Consumer would possibly file criminal charges for theft by deception. Later in XXXX, the Merchant called and harassed the Consumer with 13 telephone calls. The Consumer asked the Merchant to please refund all the money by text message. 

The Merchant lives in XXXX XXXX, XXXX, and the Consumer lives in North Carolina. The Consumer never met the Merchant. To date, the Merchant has not sent any merchandise, product, or any picture of the paid XXXX product, as promised. 

To date, Citi XXXX XXXX has only refunded/ credited back the one charge of {$500.00} with the Merchants scammed out of and Citi XXXX XXXX is not in good faith and unfairly not returning or crediting back the other two charges of {$1000.00} in total owed that I was scammed out of by the Merchant on XX/XX/year>. 

I need help in getting the {$1000.00} that I am owed with Citi XXXX XXXX that the Merchant scammed me out of. This is so wrong for Citi XXXX XXXX XXXX XXXX Department to do me, as the Consumer like this. I have been with the Citi XXXX XXXX for almost 10 years and have always paid my bills. Should I close my account if they will not return or credit my account back the {$1000.00} I was scammed out of? 

Sincerely, XXXX XXXX XXXX, Consumer and Victim Enclosures Cc : North Carolina Attorney General of Consumer South Dakota Attorney General Consumer Protection Consumer Financial Protection Bureau ( CFPB ), Washington, DC Federal Trade Commission : Scams and Fraud Department

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