My CitiBusiness credit card had a transaction of {$100.00} charged to it on XXXX/XXXX/2015 from XXXX. I did not authorize this charge, nor did I knowingly or willingly purchase the goods in question for the charge made to my account on XXXX/XXXX/2015. My employment at the business for which the card was used ended on XXXX/XXXX/2015. 

The last transactions that I authorized and purchased were paid in full in XXXX 2015, with no further transactions being made or authorized by myself from that point on. 

I was unaware of this charge made on XXXX/XXXX/2015 until I received a physical letter in the mail from CitiBank on XXXX/XXXX/2015. I immediately contacted CitiBank on XXXX/XXXX/2015 as soon as I was aware of the charge and the ongoing situation with my account. 

After my first conversation with CitiBank on XXXX/XXXX/2015, it was suggested by CitiBank that I contact XXXX about the charge. I contacted XXXX immediately and their response was that the charge could not be refunded unless the request came within 30 days of the purchase. 

I did not personally make or approve the charge made to my account on XXXX/XXXX/2015, nor was I aware of it until XXXX/XXXX/2015, and I have not and will never receive any product or service from XXXX for this charge. 

CitiBank responded to my billing dispute by stating that my dispute was not made within 60 days so they declined my dispute. They did not offer any acknowledgement of how I was supposed to submit a dispute within 60 days for a transaction that I did not make or authorize, or was even aware of until XXXX/XXXX/2015. 

CitiBank has closed my account and sent the balance due to a collection agency, XXXX XXXX XXXX XXXX XXXX. 
