Citibank Credit Card Complaint

Citibank Credit card department,

Billing disputes Utah

I disputed a -/-/- charge for $350.00 to my credit card account by letter to my Credit Card Company on -/-/-. The charge was credited back to my account and a dispute opened. I responded to form letters from my Credit Card Company providing the requested information : ( 1 ) form - date -/-/- -response -/-/-, ( 2 ) form - date -/-/- - response date -/-/-, and ( 3 ) form - date -/-/-. The -/-/- form letter provided response from the merchant and requested a " new letter addressing the merchant 's documentation '' to be returned by -/-/-. My credit card account was rebilled by my Credit Card Company for the $350.00 on -/-/- because " it was determined to be a valid charge. '' My response letter required extensive research and analysis, and was mailed to my Credit Card Company on -/-/-. On -/-/- I received a form letter form my Credit Card Company dated -/-/- reporting non-receipt of my response to their -/-/- letter and informing me that the investigation is complete since they did not receive a response and that my account had been rebilled for the disputed amount. On -/-/- I mailed


remains closed. '' Thus my dispute was closed and the disputed amount charged to my account 9 days after the date of the letter which gave me 20 days in which to respond - my response was mailed 14 days into the allowed response period, and my Credit Card Company denied having received my response 8 days after it was mailed and had not been found some 11 days later. It is a travesty that my Credit Card Company can not or will not timely evaluate information provided by their customer that is critical to my dispute. It is a breach of their responsibility to efficiently process disputes when they are unable or unwilling to timely receive and connect information to the relevant dispute and to process that information in the interest of justice. It is a violation of the dispute process to rebill the disputed amount and close the dispute before the date they request me to respond. The dispute provision is meaningless when the disputed amount is released to the merchant before the customer has adequate time to provide evidence of the validity of the dispute.