Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Subject : Citi Bank Fraudulent Charges, Unfair Credit Limit Reduction & Negative Credit Reporting I am filing a formal complaint against CitiCards CBNA due to an unresolved billing error, unfair credit limit reduction, and negative reporting to all three credit bureaus, which have severely impacted my financial standing. 

On XX/XX/XXXX or XXXX, 2024, I made a payment of {$100.00}, but I did not type or authorize a charge of {$10000.00}. On XX/XX/year>, my bank was charged this amount. I disputed the charge immediately on the morning of XX/XX/XXXX, suspecting it could be a glitch in Citis system, an issue with my XXXX, or potential hacking. After disputing, a Citi representative assured me that the {$10000.00} would be refunded to my account within 3 to 5 business days. However, the issue was not resolved. 

Despite my efforts to dispute this charge, Citi charged my bank account again the same amount of {$10000.00} on XX/XX/XXXX and XX/XX/year>. At this point, I was forced to deal with my bank to resolve the repeated charges. In addition, my credit limit was unfairly reduced to {$500.00} during the claim investigation, even though my account balance was over {$10000.00}. 

I contacted CitiBank multiple times during this period, speaking with customer service representatives, supervisors, and managers. I repeatedly requested that my account be reinstated, but customer service advised me twice to request a credit increase, which did not resolve the issue. 

I also reached out to Citi through their official XXXX page, explaining everything, but as of today, no resolution has been provided. 

Citi then demanded that I pay the full balance of {$10000.00} to reinstate my account. When I explained that I could not afford to do so due to my husbands XXXX XXXX XXXXXXXX, Citi refused to help and instead forced me into a payment plan of {$360.00} per month. I was told my account would stay as it is, with a {$500.00} credit limit and a {$10000.00} balance. How big banks like Citi dont care for customers like me who pay high interest rates without question, and in the end, when they make a mistake, they simply say it will stay as it is, showing a complete disregard for the damage to my credit and financial well-being. 

Furthermore, I have never had a missed payment in my entire credit history, and this situation has unfairly harmed my reputation and credit standing. 

As a result of Citis errors and refusal to fix their mistake, my credit utilization has been reported as over 2000 %, causing my credit score to drop significantly on XXXX, XXXX, and XXXX. Citi has not offered any resolution despite multiple calls and escalations to supervisors and managers. 

This ongoing issue has caused me significant XXXX, emotional distress, and financial hardship due to Citis negligence and unfair practices.

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 non-monetary relief