Consumer complaint received 2025-03-18 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: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX Tel XXXX XXXX XX/XX/year> On XX/XX/year> I was due to return to the NY from XXXX XXXX XXXX on a XXXX ( Spanish time ) flight. I intended to pick up my XXXX rental car from a public garage in XXXX at about XXXX XXXX  and discovered I had lost the keys to the car. 
I tried to call XXXX and could not reach a live representative and left the car in the parking garage, took a cab to the airport and boarded my flight I arrived at XXXX at about XXXX XXXX on XX/XX/XXXX and attempted to contact XXXX initially to no avail. I continued to try to identify a means of reaching XXXX as I was incurring charges for both the parking garage and the rental. 
Eventually I reached the number of the person or agency that submitted the bill I dispute. The agent led me to believe he was from XXXX. He asked where I rented the car, the amount I paid for the rental ( he wanted me to be specific ) and where the car was currently located. 
He asked me to hold while he contacted XXXX. When he returned to the line he told me hw could work things out and would send me an e mail specifying what he would do and what it would cost. 
The email XXXX in my Junk box, It did not appear to come XXXX, It did not specify what servicd would be provided, It did lst a cost of {$2900.00} and noted that if I acknowledged the email the charges would be unrefundable. 
I informed the caller I did not want to proceed but he continued to pressure me to accept because of the time he spent with me ; sensing the pressure and believing I was being scammed I hung up. 
I never replied to the email and never accepted the charges quoted in it. 
Shortly after I hung up I received a voice mail from XXXX XXXX XXXX purportedly from a XXXX XXXX stating you got disconnected please call me back.Let me know what you want to do with it, Im waiting for your call, Its late XXXX. Or please acknowledge the email so I can initiate the process. ( I saved a copy of a transcript of that email ) I then called Citibank and after a 40 minute wait informed them that I suspected a fraudulent charge might be placed on my card The agent suggested I initiate a Fraud Dispute which I did at the time of the call On XXXX XXXX, 3 days after I initiated the dispute I received a second voice mail at XXXX XXXX from XXXX XXXX at XXXX XXXX XXXX. The message reads in Part Regarding your XXXX rental services.we are still waiting on the pending action request ( I have a transcript of the voicemail ) I did not respond to this voicemail as I knew it was a scam and had initiated a fraud disputed 2 days earlier with CItibank In summary I spoke with a person who represented themselves as a XXXX representative and became suspicious that I was being scammed.The chip card for the account never was in possession of the person posting the charge.. I read an email proposal they sent me and verbally informed the representative that I suspected I was being scammed and did not wish to proceed. 
I never, approved the charge and have never received any goods or service from the person who submitted the charge. 

On XX/XX/XXXX I checked the Citibank dispute link on my on line banking and noted that it appeared Citibank denied by claim of Fraud. I asked if I could appeal and was told I could dispute the charge. I was asked to call the merchant first but the number that I was given by the Citibank agent was invalid and the numbers on te Voicemails I received were never answered I called the Citibank dispute center and initiated a dispute. I called the Citibank Fraud department and asked for a written reason as to why my claim was denied. I spike with an agent who gave me his name as XXXX and forXXXX in the security department. After much back and forth I was told that I would receive a reply in 5 to7 days but based on my experience to date I felt I would like to escalate my situation to the Consumer Protection Buteau Your attention to this matter is appreciated. 

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 monetary relief