XXXX unauthorized charges totaling {$250.00} appeared on my Citicard statement in XXXX, 2009. I timely filled out and submitted all the bank 's dispute forms. The bank kept sending me duplicate forms, which I also submitted. Ultimately, the bank denied me the credit I had sought, falsely claiming that I had authorized the charges and that I had failed to file the proper dispute forms on time. I have a thick file on this matter, as I escalated my dispute to the XXXX Attorney General 's Office, to the U.S. XXXX ( who stated it had no authority to assist me ) and to the XXXX , Inc. ( USA ). Feeling frustrated and abused by the bank, I refused to pay the bill, which eventually increased to more than {$500.00} from the imposition of service charges and late fees. Worse still, the debt seriously damaged my credit score which has caused difficulty for me in obtaining bank loans. 
