Consumer complaint received 2025-09-13 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: AZ

Complaint narrative:
What happened : On XX/XX/XXXX, while visiting XXXX, XXXX. I was cornered by the salesman from XXXX  XXXX XXXX XXXX to purchase merchandises to improve my skin and health conditions. The salesman demanded to see my credit card and proceed to charge me the product and told me that it is {$6400.00}. Right there in the store, I told him to cancel the sales, yet he refused. Rather he gave me two small sales receipts and ushed me out of the store. When I returned to the hotel, I called Citicard to cancel the sale and was informed to contact back in 3 -4 days. I called on XX/XX/XXXX again to Citicard to cancel this sale and was informed it was processed, and I needed to open a dispute for this incident, which I did. When I returned home, there was a big box of with the merchandises from XXXX  XXXX XXXX XXXX with no invoice nor instruction and no return and refund policy enclosed. I contacted XXXX  XXXX XXXX XXXX times to inquired about how to return the merchandises and left voicemail XXXX on XX/XX/XXXX and XX/XX/XXXX with no response. However, I received email from XXXX  XXXX XXXX XXXX thanking me for the purchase and asked me to contact them for additional needs. I emailed back to them twice and with no responses. On and off the months of XXXX, XXXX, XXXX, and XXXX, I have been in contact with XXXX XXXX Dispute team regarding the dispute. XXXX  was able to credit me back the {$6.00}, XXXX XXXX, nonetheless, XXXX  XXXX XXXX XXXX XXXX payment to XXXX  again in XXXX, stated that there is no return and refund policy. I returned all the merchandises to XXXX  XXXX XXXX office in XXXX XXXX on XX/XX/XXXX. Once again, XXXX issued a payment for {$6400.00} to my statement. 
On XX/XX/XXXX, I filed a compliant to FTC regarding this incident, and on XX/XX/XXXX, I filed a compliant to XXXX @ Hawaii regarding the incident. No response from FTC. However, XXXX @ Hawaii tried to reach XXXX  XXXX XXXX XXXX  to mediate this issue for me, but XXXX @ Hawaii never receive a response from the store, thus XXXX @ Hawaii  had to cancel the compliant. 
On XX/XX/XXXX, Citi Executive Response emailed me as to this incident and informed me that they will investigate this issue. On XX/XX/XXXX, I received the final verdict from Citi Executive Response informed me that I need to pay for the overdue fee : Citi would like to remind you that federal regulations may require us to report your account as past due to the consumer reporting agencies listed below if we do not receive the minimum payment by the due date shown on your billing statement.

What you expect : My expectation from this investigation is to receive a fair judgement from the agency regarding fair merchandise agreement.

1 ) Since I never received an invoice and a return and refund policy from the salesman, from the merchandise that was mailed to me from the company, therefore, I am not liable to pay for a merchandise without clear instruction on their practices and policies. 2 ) 2 ) I am not sure why I need to pay the {$6400.00} to XXXX towards the returned merchandise. Unless XXXX already wired the money to XXXX  XXXX XXXX XXXX and is unable to get it back. 
3 ) XXXX  website deemed XXXX  XXXX XXXX XXXX as not a reputable company and was not able to reach the company to mediate the case. 
4 ) I believed I was scammed and harassed by the salesman in the store based on my age, and race toward buying for a merchandise that I dont need. 

I would appreciate a fair judgement from the federal agency to investigate on XXXX  XXXX XXXX XXXX practice in scamming vulnerable population in XXXX and other countries. And I also would like the agency to investigate on Citi Banks dispute team, since it took them so long to cancel my request toward the sales of the merchandise, and the lengthy dispute that I had to endure to resolve my dispute ( still disputing ). 

Company details : 1 ) Citi Bank : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX XXXX XXXX XXXX XXXXXXXX

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