Credit cards have become an integral part of our lives. The more we use credit cards, disputes are likely to arise. If you have a credit card and have a dispute, you will be asked to contact your bank immediately. Your credit card provider will analyse the dispute and make changes if required. Citibank also allows their credit cardholders to report a dispute. In this case, Citibank will ask the cardholder to submit a “Dispute Form”. If you have a Citibank credit card and do not know how to file a dispute, read on.
If you feel you have been charged wrongly by Citibank, you can contact your bank immediately and resolve the issue irrespective of the type of transaction it is. However, Citibank has categorized transactions that are usually disputed.
Some of the most frequent disputes Citibank receives are:
Some of the reasons cardholder usually raise a dispute are:
Please note that Citibank only accepts disputes only for purchase-related transactions (Non-secure transactions and standing instructions disputes) in case of any fraudulent activities. For secure purchase-related transaction disputes, please contact Citibank customer care at 1860 210 2484.
Irrespective of the type of dispute, it is always advisable to report the case to Citibank. Especially, when it comes to fraudulent activities on your card, it is very important that you call Citibank immediately and block your card. Did you know that according to the Reserve Bank of India (RBI) guidelines, if a cardholder report any fraudulent transaction within 3 working days, the cardholder has zero liability for the loss? You can either call Citibank to raise a dispute or write an email.
Like mentioned earlier, once you have raised a dispute with Citibank via phone or email, the concerned team will investigate the issue. You will receive a written acknowledgment from Citibank to your registered email ID and phone number. You will be given a reference number which you can use to track the status of the dispute at any time.
If Citibank has all the documents required to investigate the dispute, they will get back to you within the stipulated time with a response. If Citibank accepts your dispute, the amount disputed will be credited back to your account. If Citibank rejects your dispute, you will be asked to pay the amount within the due date. However, during the investigation, if Citibank requires additional information from you or supporting documents, they will ask you to furnish the same.
At any time during the investigation, if you feel you need to provide additional information regarding your dispute, you can call the CitiPhone number or write an email to email@example.com.
The supporting documents that you may be required to submit will depend on the type of credit card dispute raised by you. If there is a need for additional documents, Citibank will get in touch with you from time to time requesting you to submit the same. Depending on the type of dispute, some of the documents you may be asked to submit are:
When you raise a dispute with Citibank, please keep all the necessary documents you can gather. This will help the bank resolve your dispute as soon as possible.
If you notice any fraudulent activity on your Citibank credit card, please contact CitiPhone Helpline number at 1860 210 2484 or 91 22 4955 2484. The phone banker will be able to tell you if your issue qualifies for a dispute.
Citibank encourages their credit cardholders to raise a dispute immediately upon identification. However, a dispute has to be raised with all supporting documents within 30 days from the transaction date.
Citibank follows strict guidelines when it comes to resolving credit card disputes. As per the guidelines of Visa and MasterCard, any credit card dispute has to be resolved within 90 days from the transaction date. However, it takes up to 180 days to resolve any other dispute.
Once you raise a dispute, Citibank will give you a temporary credit equivalent to the disputed amount. You can pay our monthly credit card bill excluding the disputed amount. However, once the issue is resolved, based on the result, the bank may approve or withdraw the temporary credit. If your temporary credit is withdrawn, you will be required to pay the disputed amount.
Please raise a dispute with Citibank. You can CitiPhone at 860 210 2484 / +91 22 4955 2484 or write an email to firstname.lastname@example.org or send your completed Customer Declaration form which can be downloaded from Citibank’s official website and send it to Citibank N.A., Mail Room, Acropolis, 9th Floor, New Door No.148 (Old No.68), Dr. Radhakrishnan Salai, Mylapore, Chennai - 600004 if it is a registered mail. If it is an ordinary mail, you can send the CDF to Citibank N.A., P.O. Box No. 4830, Anna Salai Post Office, Chennai - 600002.
Once you have reported a dispute, you will be provided with a provisional credit for the dispute amount depending on the type of transaction dispute, type of credit card you hold, etc. If your dispute has been accepted by the bank and you have been provided with a provisional credit for the same, then you will have to make the payment within the due date provided to you.
If you hold a Visa credit card, then it might take up to 90 days for the dispute to be resolved. For other types of credit cards, the bank may take up to 180 days for your dispute to be resolved.
You can log in to Citibank online using your log in ID and Password and view the dispute status in case you have raised dispute regarding transactions on your Citi Credit Card. The bank will also send you updates to your email and registered email ID to inform you about the status of your dispute.
Once you have filled the Customer Declaration Form or CDF, you can send it using any one of the options given below:
The transaction to the merchant cannot be cancelled by the bank. You will have to request the merchant to request cancellation in the case of which either the amount will be reversed, or a new dispute will be raised by the lender.
Some of the possible categories under which my dispute can fall under are:
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