Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> Citibank , N.A . XXXX XXXX XXXX XXXX XXXX, SD XXXX RE : Supplemental Formal Complaint - Unauthorized ACH Withdrawal, Failure to Provide Assistance Following XX/XX/year> Correspondence, Credit Limit Reduction, Financial Hardship, and Resulting Damages Account Ending in XXXX To Whom It May Concern : I am submitting this Supplemental Formal Complaint regarding Citibank 's continued mishandling of my dispute involving an unauthorized ACH withdrawal, the prolonged delay ni returning my funds, the resulting financial hardship, the reduction of my available credit limit during the dispute, and Citibank 's failure ot provide meaningful assistance after specifically directing me to contact your office. This complaint concerns an unauthorized withdrawal that has remained unresolved for nearly a month and has now caused financial damages, credit-related harm, and hardship substantially exceeding the original {$500.00} transaction. On XX/XX/year>, Citibank sent correspondence advising that my inquiry had been received and requesting that I contact Citibank at XXXX so that an agent could assist me with my account. nI reliance upon that correspondence, I contacted Citibank XXXX an effort to obtain the assistance promised in the letter. Unfortunately, my attempts to comply with Citibank 's instructions resulted in repeated transfers, unavailable representatives, and responses that failed to address the substance of my dispute. ADDITIONAL DOCUMENTED CHRONOLOGY OF CITIBANK CONTACTS For purposes of preserving an accurate record of my efforts to resolve this mater, I note the folowing chronology of communications that occurred XXXX XXXX XXXX XXXX Citibank 's XXXX XXXX 2026 correspondence requesting that Icontact hte telephone number provided ni the letter. Initial Call : XXXX ( Collections Department ) XXXX ( Security Department ) Unavailable Extension XXXX Transferred to an extension where no representative was available. Provided information that failed to address the substance of my inquiry. Given acharacterization of the XXXX XXXX that appears inconsistent with the language contained in Citibank 's written letter. These circumstances raise serious concerns regarding Citibank 's handling of customer complaints, dispute resolution procedures, and communications with account holders seeking assistance. Requested Resolution Accordingly, I respectfully request that Citibank : Immediately complete its investigation concerning the unauthorized ACH withdrawal. XXXX. Promptly return al funds determined to have been improperly withdrawn. XXXX Provide a written explanation regarding the prolonged delay XXXX resolving this dispute. XXXX Explain why Citibank directed me ot contact your office fi representatives were unable or unavailable to assist me. XXXX. Clarify the purpose of the XX/XX/year> correspondence and explain why I was advised that the letter merely concerned payment of a past-due balance. XXXX Review the reduction of my available credit limit during the pendency of this dispute and any resulting adverse consequences. XXXX. Address the financial hardship, credit-related harm, penalties, fees, and damages resulting from Citibank 's actions. XXXX Review al communications involving XXXX, XXXX, XXXX, and XXXX concerning my account. XXXX. Preserve and review al recordings associated with the calls described XXXX this complaint. XXXX. Provide acomplete written response addressing al complaints submitted to date. Preservation of Records Please preserve al cal recordings, account notes, dispute records, collection records, credit-limit review records , ACH transaction records , complaint files, internal communications, escalation records, customer-service records, and any other documents or electronically stored information relating to this matter. This complaint concerns an unauthorized withdrawal that has remained unresolved for nearly a month and has now caused financial damages, credit-related harm, and hardship substantially exceeding the original {$500.00} transaction. Despite repeated effortsot cooperate with Citibank and comply with the instructions contained in your XXXX XXXX 2026 correspondence, I have been unable to obtain meaningful assistance or a satisfactory resolution. XXXX I therefore request immediate attention ot this mater and a prompt written response. XXXX submited, XXXX XXXX XXXX Account XXXX in 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 explanation