We handle a lot of Citibank credit card disputes in our law practice. Of all the banks that we deal with Citibank is probably the worst at declining legitimate credit card disputes. We are in arbitration with them regularly because of their unreasonable refusal to refund our clients’ money.
Even if you are a victim of identity theft and can prove it, Citibank will still decline your dispute. It routinely states “Your credit card has a chip in it and so, you must have been physically present for the transaction.” This is crap! Most credit cards today have computer chips in them, but that does not mean that the consumer was physically present when he was defrauded. If your credit card numbers gets taken, the thief can go shopping online. No physical credit card is necessary.
We explained to Citibank on numerous occasions, that this was not his debt. We even showed that Citi’s own records showed that the debt was bogus. Citi was having none of it.
We recently had a client with almost a perfect credit score. His Citi card had been hacked before and he ordered Citi to permanently close his account. The ID thief was able to reopen the account, and charge up a storm of over $40,000 within a 2 month period. Citi bank not only wrecked my client’s credit score, it sent its collection hounds to badger him to pay a debt he did not owe.
Today, we have a judgment against Citi for over $230,000 plus fees and costs. That amount even includes $100,000 in punitive damages against Citi. Does Citi care? Does this multi billion dollar company even think about $230,000 as a message? Its not even a rounding error to Citi.
Call our law firm at Consumer Dispute Lawyers at (248) 353-2882. We have attorneys in several states that can help you with your credit card disputes at no out of pocket charge to you. You work too hard for your money and should not get stuck paying charges that are not yours. You can also email us at Gary@dontpayfraud.com.
The Banks have smart lawyers and you can, too.
Attorney Gary Nitzkin
