Consumer complaint received 2026-01-02 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:
Late on XX/XX/XXXX, I realized that my XXXX and Citibank credit cards ( along with multiple of my credit cards ) had been used for unauthorized transactions that I did not make. This led me to believe my credit card numbers/identity may have been stolen and used without permission or authorization on purchases made via multiple foreign merchants that I did not recognize. I immediately called XXXX and Citibank to ensure the " pending '' transactions were not paid out, because they were fraudulent and unauthorized, and the customer service representative let me know that they would put the transactions on high alert and that they would report it to their fraud department. Despite my multiple attempts to report this massive fraud, including reaching out to each credit bureau to ensure that my credit was frozen in case the scammers tried to open new accounts, XXXX XXXX XXXX and Citibank have denied multiple appeals for the nearly {$17000.00} Ive been fraudulently charged. This is despite their cancellation of certain fraudulent charges, but they both still charged me for whatever unauthorized transaction were made before the scammers hit my credit limit. These are the following fraudulent transactions made to my XXXX XXXX XXXX {$4600.00} transaction to " XXXX XXXX XXXX XXXX XXXXXXXX '' based out of XXXX XXXX, which is a foreign merchant that is very unfamiliar to me. There was XXXX charge for {$4100.00} to XXXX, a foreign travel merchant with a US address, followed by a second transaction to this same unfamiliar foreign merchant for {$1800.00}. Citibank has now told me to stop contacting them and to stop appealing the unauthorized {$4700.00} transaction to " XXXX XXXX XXXX XXXX  XXXX, '' which is a foreign merchant that is also charged on my XXXX XXXX 

I have not left the country or ordered from any foreign merchants in order to have made these transactions. I want to emphasize that I have tried everything for nearly 3 months to dispute these transactions with both entities, because I can not afford to pay for this scam charge. They have both denied my appeals multiple times, claiming that I was in possession of my cards when this occurred, which is ridiculous, considering a physical card is not necessary for these online transactions. This has been extremely distressing, to say the least, because this has happened with multiple credit cards, and most of them have dropped the charge because it is fraudulent. I also called them IMMEDIATELY to alert them that the PENDING transactions should not be paid out, because it was not made or authorized by me. I have tried everything to make sure ALL merchants were aware before the pending transactions were fully posted to my account, but XXXX XXXX and Citibank have made this process traumatizing and extremely chaotic. I also immediately reported my fraud to the local police department in the location I was in when this all happened ( XXXX XXXX, OR ), and I have attached the police report. 

* For the record : I am ( primarily ) a Texas resident, but I now own a home in which I spend time in in Oregon, which was where I was when this incident occurred. My husband called the local XXXX Police Department in Texas to report this fraud, but because I was located in Oregon at the time, they advised us to call my local police department. We called the XXXX XXXX Police Department in XXXX XXXX, Oregon, and I met with a law enforcement officer who took my report and let me know he would relay it to the FBI and other agencies. 

XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, OR XXXX Phone : XXXX Email : XXXX Police Report # : XXXX I would like the dispute to be resolved by removing it from my credit card charges. I can not afford to pay for a nearly {$17000.00} unauthorized/fraudulent transactions I did not make or authorize.

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