First, we tried to resolve the subject dispute with citicards, the credit card issuer for several months, and could not resolve the issue. 
Briefly, we are disputing a charge on our credit card for a purchase where we did not receive the services we purchased. 
We have provided our explanation and related documents to show how the services we purchased were not provided by the merchant, to citicards, during the course of the dispute process. 
Unfortunately, citicards refused to direct our complaints and documents to the relevant merchant and demand an explanation from the merchant regarding our claim. Or, if citicards indeed have communicated with the merchant regarding this complaint, they have failed to provide that communication to us. 
The issue here is that : Does a credit card issuer such as citicards, have a fiduciary duty to ensure that the charges on a cardholder 's account are legitimate and products and services purchased using their credit cards are actually provided. And, what are the responsibilities that a credit card issuer has when a charge becomes illegitimate and products and services are not provided by the relevant merchant? 
