Date Received: 2023-11-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I hope this letter finds you well. I am writing to file a formal complaint regarding a late payment that has been incorrectly reported on my account. As this late payment inaccurately reflects my payment history, it is negatively impacting my credit score and, subsequently, hindering my ability to secure necessary financing, such as purchasing a home. I have been a loyal customer of Macy 's for several years, and until now, I have always maintained a timely payment record with your company. However, last year late payment notation on my account is entirely inaccurate and does not reflect what transpired. It is crucial that this discrepancy is rectified promptly to avoid any further repercussions and inconvenience. I understand that mistakes can occur, and I believe that this situation is an unfortunate error. I trust that Macy 's values its customers and aims for utmost customer satisfaction. Therefore, I respectfully ask for your assistance in removing the erroneous late payment from my account and ensuring that my credit report accurately reflects my payment history with Macy 's. I would greatly appreciate a timely response to this complaint and a confirmation or update on the resolution process. Please feel free to contact me at the provided phone number or email address should you require any further information or clarification. Thank you for your attention to this matter. I look forward to a fair and satisfactory resolution. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80205
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I disputed fraud on my account I was refunded for the fraud upon being refunded the bank closed my bank account and did not release funds stated I received funds in 30 to 60 days which is unacceptable I need my money right away
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07026
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: On XX/XX/XXXX, I called Best Buy Credit Card Services to dispute a XX/XX/XXXX purchase. I disputed the fact that I did not purchase a {$1900.00} XXXXXXXX XXXX nor did I have it delivered to an XXXX XXXX XXXX in XXXX. I also disputed that the Best Buy card used to purchase this product under my name is different from the Best Buy Credit Card in my possession. In XX/XX/XXXX, I called Citi Bank to file a claim of fraudulence regarding the Best Buy Credit Card purchase. Citi Bank confirmed the investigation was underway. I called again sometime in XXXX and was told the investigation is still occurring and could take up to 90 days. On XX/XX/XXXX, I received an updated letter informing me the investigation has completed and Best Buy removed the disputed charges. However, my Best Buy account is still sending me emails and calls to pay my bill, as the charges remain listed on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19380
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have had my checking account locked and it can not be unlocked unless I call in with a verified phone number. I have only the one phone number but they still can not verify me and now all my funds are locked and I can not feed myself. On XX/XX/XXXX I deposited a cashiers check from progressive because the teller would not cash the check. I then had my account frozen and was not able to unlock it unless I called in with a verified phone number. I have no other number and this is my number associated with XXXX and XXXX. Additionally I called my phone company and they said my name is on the account. Therefore there should be no issue cashing out my available balance. When I attempted to cash out a part of my available balance they had to call the Citi bank fraud team who once again locked my account because I dont have a verified number. I was unable to unlock it even when I brought in a passport and my social security card and asked to please close the account. They declined and said theres nothing that I can do until I get a verified number. I have no idea how to get a verified number and why the system Citi uses blocks me from accessing my own money. I have called over 7 times a day and have no resolution or response
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90405
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I have had my checking account locked and it can not be unlocked unless I call in with a verified phone number. I have only the one phone number but they still can not verify me and now all my funds are locked and I can not feed myself
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90405
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2023 I was approved for a Citi credit card with a {$5900.00} credit limit. They asked for the card I wanted to transfer the balance from. I additionally put my mailing address in my application as well as physical address. They have no record of them offering me the promotional balance transfer, or the mailing address I entered. They lost my card in the mail and then gave to recourse for their predatory lending practices. I believe Citi should be fined for predatory lending practices because I did not want a credit card without the promotion. They has damaged my credit, it has forced me to pay interest on the other card that I should not have had to and caused unnecessary stress to me and my family.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 548XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was charged a XXXX interest charge and I called Citibank customer service to find out what it was for. The customer service representative told me it was for XXXXXXXX XXXX XXXX XXXX fee. I told her I never have paid interest on that and that I signed up for it back in 2010 when I got the card. The customer service representative told me they do not offer that and that is when I looked it up and found this article XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I had a home depot credit card. When I went to start a project with home depot, the contractor came to my house, and helped me increase my balance to the home depot credit card so that the project can be financed. I was told there was 24 months 0 % interest. I had made my payments on auto pay, so I don't have to worry about late payments. so It is my fault for not checking, but no when I went to check the balance, I notice that the balance is way over what the project cost. When I called to inquire about it, they said that we only had 12 months deferred interest, and they don't show anything on the file about the 24 months 0 % interest on file. And since I'm calling 60 days over the 12 month promotion, they can't fix the account. So I'm stuck with {$6000.00} deferred interest plus {$500.00} something on monthly interest alone. At this rate, I will not be able to pay the balance off at all. I told them that, and asked to find a solution and the customer service lady said they can not help me at all. and when I asked for a manger, she said the manager will most likely give me the same answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Citi spitefully and ignorantly sent years of credit card statements via unsecured email, when my request was clearly for a very short list of the specific merchants within the app profile in question and clearly noted [ XXXX, XXXX, XXXX ]. I dont work for Citi XXXX Its not my app. And, not my rules. Its not my job to prove a negative here.it is the obligation of the Executive Team at Citi they seem determined to avoid. Citi must prove the XXXX XXXX as intended by providing the dates of charges for the merchants previously provided and found in the Citi app. Now its up to you CFPB to get what I asked for. Its very simple. Thus, since youve repeatedly closed my previous complaints IN ERROR, Ill simply reopen yet another. Thank you. PS : I do expect the CFPB will take steps to shield and protect years of credit card statements that the idiots of the Citi Executive Team chose to unnecessarily disclose to delay the inevitable realization that the XXXX is deeply flawed and fails to work in practice as intended.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85255
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: We were charged for an online transaction we did not authorize. The credit card company refuses to acknowledge that we did not authorize the charge. My wife started the process of booking a room and got part way through the process and abandoned the website before completing the authorization process and before getting a confirmation that the booking had been completed. The website indicated we would get an instant confirmation. It began asking my wife questions that made her nervous that the system was a fraud so she did not answer the questions and did not complete the authorization process. She did not receive the promised " instant confirmation '' number or booking number. She abandoned the website when it started asking her for information she did not want to and did not provide. To her surprise she later received an email indicating that she had completed the booking even though she did not complete their booking process online. She immediately contacted or attempted to contact the parties involved to try get the issue resolved and she proceeded to cancel the booking that she had never made but the email indicated that she had. The vendors refused to acknowledge their fraud. And refused to refund the money. So we disputed the charge with Citi and the dispute was incorrectly characterized as " no services received '' or something like that. It was not properly characterized as an unauthorized charge. Citi says that since we provided our card information during the process that it doesn't matter that we did not actually authorize the charge or complete the authorization and booking process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80538
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A