Consumer complaint received 2026-03-26 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: MN

Complaint narrative:
I am submitting this complaint regarding Citibank , N.A . and its handling of repeated fraud reports and billing disputes on my Citibank credit card account. Background : I maintained my Citibank credit card account in good standing for more than XXXX decades. Beginning in or around XXXX, my account was compromised by repeated unauthorized activity, including recurring XXXXrelated charges. Some of these unauthorized charges continued even after my card was canceled and reissued. I reported the fraudulent activity to Citibank multiple times and repeatedly requested help resolving the unauthorized charges and understanding why interest and fees continued to be assessed. Citibanks failure to resolve fraud and billing disputes : Citibank was extremely difficult to deal with throughout this process. I was repeatedly transferred among callcenter representatives and never received clear, consistent guidance or written confirmation explaining the outcome of my fraud disputes. Despite my reports of unauthorized transactions, Citibank continued charging interest and fees on the disputed balance, and I was never provided a clear accounting showing that the disputed charges and associated interest were removed. My statements reflect ongoing interest charges during this period and show the account escalating to a full balance due. Citibank ultimately reported a new balance of {$34000.00} with a payment due date of XX/XX/XXXX, placing the account in an unmanageable status despite my ongoing fraud reports and requests for resolution. Based on my documentation and contemporaneous notes, the transactions driving this balance were unauthorized and are disputed as fraudulent, along with the interest and fees assessed on those disputed transactions. Chargeoff and downstream harm : Citibank charged off the account on XX/XX/XXXX. Account data reflects a postchargeoff interest amount of {$0.00}, postchargeoff fees of {$0.00}, and no postchargeoff payments or credits. This indicates that the interest and fees that created the final chargedoff balance accrued prior to chargeoffduring the period when the fraudulent activity was being reported and disputed with Citibank. Because Citibank failed to resolve the fraud and stop the accrual of interest and fees, the account was charged off and later sold to a debt buyer. This directly resulted in collection litigation and a default judgment entered without any judicial review of the underlying fraud and dispute issues. I have suffered severe financial harm and significant damage to my credit as a result. This credit damage is especially harmful because my husband and I need to qualify for housing, and this situation arose from Citibanks failure to properly resolve reported fraud and disputed billing. Key dates reflected in records : - Last payment recorded : XX/XX/XXXX - Chargeoff date : XX/XX/XXXX - Balance at or near chargeoff : approximately {$34000.00} - Postchargeoff interest, fees, and credits : {$0.00} Requested resolution : XXXX ) A written explanation of Citibanks fraud and billing dispute handling for this account, including what investigation was performed and why interest and fees continued to accrue on transactions I reported as unauthorized. XXXX ) Correction of any inaccurate or misleading credit reporting related to this account, including reporting that reflects balances derived from disputed fraudulent transactions and related interest and fees. XXXX ) Appropriate remediation for the financial and credit harm caused by Citibanks failure to resolve the reported fraud and billing disputes in a timely and documented manner.

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