Consumer complaint received 2025-05-29 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>2025 Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citibank XXXX XXXXXXXX Dispute Department Citi XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Response to XX/XX/year> Citibank Letter Citibank XXXX XXXX XXXX Account Ending In : XXXX Consumer XXXX XXXX | Merchant : XXXX XXXX XXXX XXXX XXXX 2025 Dispute Billing Charges and Interests Dear Attorney General, US Department of Justice and Citibank Dispute Department ; Please find I have been with the Citibank XXXX XXXX Account for more than 10 years now. I was totally scammed out of the money. I am requesting to open the charge back up. I am writing to you because you requested this letter regarding how I was scammed. On XX/XX/year>2025, the Merchant : XXXXXXXX XXXX XXXXXXXX had scammed me out of credit card charges with my Citibank Credit Card Account Ending In : XXXX. 


On XX/XX/scrub> 2025, Citibank gave me a Credit Card Refund adjustment to my account which was the basis of the refund for {$2500.00}. On XX/XX/scrub> 2025, the refund balance was mailed to me thinking that I am owed this money because of all the interest returned and the scammed credit card charges being returned. 


On XX/XX/scrub> 2025 the Citibank Letter ( attached ), and per Citibank Representative told me the billing dispute matter was resolved they gave me the credit back with the balance credit, but now, unfairly Citibank stated in their letter to CFPB, that they made an error with the refund check, after my credit card account was already closed. 


On XX/XX/year>2025 Citi XXXX XXXX XXXX sent a letter stating they made an error with the Refund Check of {$2500.00}, they sent me after my account was closed and now they also said its a credit on my account for {$1500.00}.

The Refund Check was already deposited into my bank before XX/XX/year>2025. This has been a real NIGHTMARE and inconvenience to deal with Citibank as a Consumer, when I have only wanted to be right as a Consumer.

What Citibank has put me through is legally Unfair, Trade, and Deceptive tactics where now they are pulling back and retracting the refund money they gave me as refund and my account is closed, plus, now all my reward points have been stolen out of my account which has never reflected properly.

As the Consumer, I have kindly requested Citibank return all the credit card charges I was scammed out of to be returned, plus all the interests, from those charges they have unfairly kept me and had me paying for a credit card bill when I should have received all the charges back and the interest and each time I had to write to ask for this, when it should have been automatically done.

As a Consumer, I have started the Citibank Billing Dispute immediately following the Voided XX/XX/year>2025 Contract with the Merchant when I found out I was scammed by the Merchant. As a Consumer, I am now also a Victim of Citibank XXXX XXXX XXXXXXXX because I have been disputing the Merchants scam charges since XX/XX/year>2025 with Citibank XXXX XXXX and now its almost XX/XX/year>2025.

As the Consumer, I received several letters from Citibank Billing Department where in fact said they, Citibank resolved the Billing Dispute for all the credit card charges with the Merchant ; specifically, a XX/XX/scrub> 2025 Letter attached where they gave me In XX/XX/year>2025, I closed the Bank Account because Citibank Representative told me on the telephone that all matters have been resolved and that I do not owe them anything and I closed the account. The Snap Shot below confirms my Citibank Credit Card is closed.

Source : Citibank Credit Card Account Online Portal. XXXX XXXX, 2025. 


On XX/XX/year>2025, Citibank Credit Card sent letters to me, regarding a Billing Dispute to my email, knowing I cant access my credit card account with them is closed and I can not obtain the letter at all. I contacted the Consumer Financial Protection Bureau because Citibank would no respond to sever all my prior request to get all the credit card charges back, and that Citibank didnt want to resolve the outstanding Credit Card Scams where I was scammed out of per my prior letter. 

Also, in XXXX I also reached out to the Citibank XXXX XXXX and spoke to them and still nothing. Unfairly, it appeared that Citibank XXXX XXXX wanted to continuing waiting and put the my Credit Card Disputes issues on me and back on the merchant. 
When I contacted the Merchant, XXXX, they ran a trace on the fund returned to Citibank and sent a me a letter stating all of the money had been refunded back to Citibank.

It just appears that Citibank XXXX XXXX and the Citibank Dispute is now retracting the money refund they gave me as a refund, and now, putting me through more changes than any other Financial Institution or Credit Card Agency because they owe this money back to me. Now that my Citibank Account is closed, and they are retracting all my money refund back to me, should I sue Citibank in the North Carolina Courts, or make a request for the NC Attorney General, US Department of Justice, and Federal Trade Commission to sue Citibank for Unfair Trade Tactics? This matter has gone on with Citibank Billing Dispute since the beginning of XXXX and its unfair to me as a Consumer.

Since Citibank has done this to me like this, I am sure its other Consumers who they have taken advantage of too in regards to the billing disputes and accounts.

As a Consumer, I feel something is terribly wrong with how Citibank XXXX XXXX is doing me. Its really illegal to do Consumers like this. I have other evidence of what Citibank has done wrong in keeping my money. 

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

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