Date Received: 2023-12-03
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: This is a Macy 's store credit card by XXXX XXXX. I have been their customer for years. XXXX months ago, I lost my card and was unaware of it being stolen. I then tried to make purchase online at Macy 's and that's when I realized I don't have my card and it is not letting me to shop online either. I called Macy 's 3 times until the said I have to wait for a call coming from their VERIFICATION DEPARTMENT, to verify my identity and refused to give me any information! Nobody ever called me! Since then I have called multiple times and they blocked my card, accumulated balance, never cared about my stolen card and still don't have a card, am not able to find out what happened to my card, and why am I being discriminated against to this level after them knowing my card is lost/stolen!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: This was at least XXXX yrs ago or more.I had a good credit score and when applied for a credit card, Citi denied it. I had to figure something else and re-open an old card. I had problems and wasnt sure what caused it I didnt have ma y accounts open either. That was surprising.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2023. Someone charged {$430.00} to my Best Buy account from a different city than where I live. I reported this to Best Buy credit service and they canceled the card and reissued it. They also credited the charge. However, when I got the new statement, Best Buy charged my account {$430.00} x 3= {$1200.00}. On XXXX XXXX, when I called to have this corrected ( XXXX ), they said I would have to wait 60-90 days for their investigation to conclude. I told them to please credit off the account as they promised, which I was told they would and I canceled my account. Today, XX/XX/2023, I was contacted by Best Buy to bring my account current with a {$29.00} late fee and {$32.00} interest. Bringing this amount up to {$1300.00} of which I never charged. They told me to contact security operations again ( XXXX ) to correct the problem. After two months, I do not believe I should have to deal with this any longer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77520
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Citibank is refusing to close my dispute regarding a fraudulent and unauthorized charge and credit my account finally. Citibank Unauthorized charge Dispute ID # : XXXX Recently, I have been a victim of identity theft. My information was compromised and I have been dealing for the last XXXX months with the aftermath. My Debit card was used for an unauthorized transaction on XX/XX/2023 for the amount of {$1900.00}. I did not authorize this transactions and was unaware of it and I did not authorize anyone else to use my ATM/Debit card in any way. Pursuant to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of unauthorized transaction. See especially 12 C.F.R. 205.6, 205.11. the amount should be fully credited back to me. But Citibank , N.A . is refusing to finally Crediting my account and closing this matter as they should by law. Citibank Dispute ID # : XXXX. This is an illegal act by Citibank and I should get my money back permanently. I am attaching a copy of each of the following documents to this letter : A copy of my Identity Theft Report which includes : My FTC Identity Theft Report and The police report about the theft of my identity.
Company Response:
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: About 5 month ago someone start charging money from my checking account, I've noticed and called to file a complain, bank closed my account and opened fraud case. On XX/XX/2023 I received letter from Citi Bank stating that investigation is complete and permanent credit was applied to my account, I called to the bank and they said they send a check for the amount of {>= $1,000,000}, I did not receive money and called again, they said that they got the check back, we checked the address and found out that they put wrong apartment number ( instead of apartment # XXXX they put Apartment # XXXX ) someone in the bank made a mistake, because before I received my debit card and other correspondence to the correct address, after that conversation, I called every week, no one was able tell me where the check, I went to the bank a few times, branch manager told me that he will find out and will call me. He did not call, I went again, he said they shroud have send by now and he does not understand why they still did not send money is still there on some reserve ledger. Manager said they he send 5 emails with questions to proper department, No answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90069
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Date : XX/XX/2023 Initial Issue : On XX/XX/2023 I got notification that I am not able to login to my account via mobile or using browser. It was giving me generic error. Background : On XX/XX/2023 after creating account I transferred {$3500.00} total from my XXXX XXXX XXXX XXXX account. On XX/XX/2023 I deposited XXXX checks in my saving account from my new tenants as a part of my rental income. Conversation with CITI Bank support center : I checked with CITI bank support center regarding why I am not able to access my account. They first denied to give any information about the blocked account and told me to dial another number. XXXX. After talking to the associative they told me that there is issue with the check and thus they have blocked my account. " The checks were totally valid ''. I asked them to unblock my account as I can't access it anymore and need that money as it's my hard earned salary. They told me that the only way would be either to go to nearby branch or wait for 60 days to get my money through mail. There was no resolution of falsely blocking and closing my bank account with my funds stuck is a unknown state. " There has been no official communication or notification with details regarding why account was closed or next steps. They didn't communicate anything ''. Current Situation : There has been no communication and help from CITI bank. My money which is {$3500.00} is locked in their account and they take no responsibility of helping me get my funds. They told me to visit nearby CITI office but there is none in XXXX miles near where I live. Regarding Check : I later deposited the same Check with XXXX XXXX XXXX and it was cleared with no issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98373
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Payment history on Home Depot Card is incorrect. It is stating written off in XX/XX/2018 ; however, there's no previous payment history. This is an attempt to keep the card on the credit report in a negative manner longer than seven years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30269
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Everything is listed in the image I took below XX/XX/2023 XXXX XXXX ATM withdrawal XX/XX/2023 XXXX XXXX ATM withdrawal I didnt receive any money at all from atm
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: My Complaint : I am submitting this complaint against Macy 's AMEX/CBNA to address the mishandling of my previous complaint, Case # XXXX. The initial complaint concerned an erroneous late payment issue and its subsequent adverse impact on my credit score. What Happened : In response to my original complaint, XXXX provided contact information for XXXX XXXX ' and expressed willingness to assist further. However, despite my numerous attempts over the past XXXX weeks to contact XXXX using the provided telephone number, both direct line and extended line, all my calls went directly to voicemail. Attached is the response letter from AMEX/CBNA with this complaint for your reference. Also, I have the call recordings of my last XXXX attempts to call XXXX, that landed always landed on voice messages. Here, I will be mentioning my response to XXXX 's claims on her response in the letter she provided from my previous CFBP complaint. XXXX 's response to my CBNA complaint included the following claims : XXXX. Notifications were sent via email to my email address XXXX, but I did not receive any emails containing 'Attached Bank Statements ' or emails with any 'Payment Due ' information that specifies that I am late on my payment. I friendly and respectfully challenge AMEX/CBNA to show proof of such an email sent to me on my email address. 2. Contact attempts were made to my phone number multiple times, but I have no record of any such calls discussing the missing payment or anything related to AMEX/CBNA. I friendly and respectfully challenge AMEX/CBNA to show proof of such phone calls, like call-recordings made to me on my number XXXX. XXXX Letters containing bank statements were sent to my mailing address. However, I did not receive them at all. As evidence to my statement, I want to mention that my Macys ' AMEX/CBNA credit card expired in XX/XX/XXXX, and I have not received a replacement since my last card activation in XXXX. I was recently on the call with AMEX/CBNA customer care, and they confirmed that a new credit card was mailed to me at my address, but I never received it. The AMEX/CBNA can verify this information on their records. I was talking to the AMEX/CBNA customer care about this incident about a week and a half ago, and they seem to realise the error on their end. Hence, They refunded me the extra interest amount they charged me, about {$72.00}. I have attached the check they sent me to my address. I don't intend to put AMEX/CBNA on the spot, but I should mention that I received this check via mail, which happened after I made this complaint to CFBP. I have attached a scanned copy of the check from AMEX/CBNA with this complaint for your reference. Their realization of their mistake of charging my Expired AMEX/CBNA credit card while I have no active AMEX/CBNA credit card, and subsequent refund of {$72.00} from AMEX/CBNA, implies AMEX/CBNA 's acknowledgement of their error in reporting a late payment to credit bureaus. I find it interesting that I didn't get any response from AMEX/CBNA, my calls landed on voicemail every time and I had to contact CFBP to get a lettered response after almost 2 weeks from AMEX/CBNA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19130
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: on XX/XX/XXXX, I found that the XXXX XXXX rewards certificate with a value of {$160.00} of my XXXX XXXX XXXX XXXX by Citi was never sent to me via email as they claimed in XX/XX/XXXX. Also, on the same day, I talked with XXXX XXXX and they said they can redeem that expired rewards. However, on the next day ( XX/XX/XXXX ), I chatted with XXXX customer service and asked for the XXXX rewards certificate. They refused to re-issue the XXXX rewards certificate, which they never did in the first place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77019
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A