Citibank, National Association Corporate

Complaint ID: 8312469

Product: Credit card

Sub-Product: General-purpose credit card or charge card

Issue: Problem with a purchase shown on your statement

Subissue: Credit card company isn't resolving a dispute about a purchase on your statement

Company: CITIBANK, N.A.

Complaint: Dear Consumer Financial Protection Bureau, On XX/XX/, I called Citibank to open a dispute on my credit card for the transactions related to XXXX. I informed Citibank that we found evidence that XXXX is operating under a pyramid scheme. However, based on their letter sent to us on XX/XX/, they closed the dispute and said that I have to accept the responsibility for the disputed charges. I also received a letter from them dated XX/XX/ saying that they are looking into the dispute. On XXXX XXXX we mailed XXXX pages of documentations providing evidence of the XXXX XXXX and XXXX pyramid scheme, but Citibank closed the dispute without ever reviewing the evidence. The United States Federal law makes pyramid scheme illegal and protects citizens against such scams. I will attach the same documentations sent to Citibank to CFPB in our complaint submission which includes all of the evidence that Citibank chose to ignore before finalizing their decision on the dispute. Citibank is providing the merchant the ability to continue charging me on the new account which should not be possible since the merchant do not have my new account information. This would make Citibank an accessory to the pyramid scheme. My expectation for a resolution would be to have all of the charges associated with the XXXX XXXX and XXXX pyramid scheme removed from my accounts and I do not want to be penalized or lose the accounts because I have almost a decade of perfect credit history prior to these scams. Enclosures : -Copy of documentations to proof the XXXX XXXXXXXX and XXXX pyramid scheme that was sent by mail to Citibank on XX/XX/XXXX XXXX -Copy of scanned dispute update letters from Citibank date XX/XX/XXXX and XXXX XXXX XXXX Thank you for your assistance.

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 8311587

Product: Credit card

Sub-Product: Store credit card

Issue: Advertising and marketing, including promotional offers

Subissue: Didn't receive advertised or promotional terms

Company: CITIBANK, N.A.

Complaint: XXXX XXXX XXXX Home Depot has charged me insane interest. I have a promotional balance on XXXX card of {$1700.00} that was due to expire on XX/XX/24 ( account ending in XXXX ). On XX/XX/24 I paid {$1700.00}. Home Depot decided to split the allocation between multiple purchases rather than pay off the promotional balance ( as I requested ) and on XX/XX/24 charged me {$580.00} in interest. They did the same thing on another account earlier this year ( account ending in XXXX ). That amount was only {$52.00} but it is still absurd.

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 8311575

Product: Credit card

Sub-Product: General-purpose credit card or charge card

Issue: Other features, terms, or problems

Subissue: Other problem

Company: CITIBANK, N.A.

Complaint: I need help with transferring my existing credit line totaling {$32000.00} from my Citi XXXX XXXX XXXX credit card # XXXX to my other Citi XXXX XXXX credit card # XXXX making my revised total available credit on my Citi XXXX XXXX credit card {$37000.00}

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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