I have a Citibank AA I've had to file a dispute on a merchant due to non delivery.
I hired a contractor to do custom furniture i.e.: Live edge table, entertainment center, bathroom cabinet etc. The total was $15,000. As per the contract we made a 40% deposit to start the the work and then and additional 30%. The remaining 30% was due on the day of delivery and installation. The contract stated a lead time of 4 weeks. 5 months went by asking the merchant when can I expect my merchandise. All I got was runarounds and finally the last straw was when I went to see the merchant at his shop location. I was not allowed to enter the premises and was assaulted to were the police had to be called. Here is were CITIBANK comes in after all of this it's obvious this merchant has no intention on giving me any of my paid merchandise and I contacted CITIBANK for the dispute. I told them what was happening and the did the conditional credit. I mailed in everything including text messages of merchant for five months of asking for my stuff. I sent everything via mail and certified now CITI has reversed all the charges and their claim is the since the merchant responded that was it. The CSR actually told me yesterday that the merchant could send back a blank piece of paper and they would have to reverse the charge. WHAT?? am i crazy aren't they supposed to be on my side? are they supposed to investigate the dispute. The only thing that was sent back was the payment authorization verification. I never denied I made the payments. I NEVER RECEIVED MY MERCHANDISE. The merchant never sent proof of delivery and that's it. What it going on with CITI. If there is anyone the can help and give advice as what to do I would appreciate. This merchant has taken over $11,000 and given me nothing. I can't believe this is how CITIBANK handles these disputes