Date Received: 2023-10-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I sent my first registered letter to Home Depot to put my statement into a billing error status. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and it was delivered XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX delivered XX/XX/XXXX XXXX XXXX to a different zip code I also sent copies via registered mail to Citibank ( their issuing bank ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX delivered XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX delivered XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX delivered XX/XX/XXXX XXXX XXXX when I followed up with phone call they were unable to locate the letter and XXXX XXXX XXXX ( Citibank 's indentured bank in charge of discharging debt ) XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX delivered XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX delivered XX/XX/XXXX XXXX am follow up phone calls showed that the letters were not in system, and I was later informed that they were sent to Citibank in XXXX XXXX I received a letter from Citibank/Home Depot Credit Card Services on XX/XX/XXXX that they were looking into it. Another letter XX/XX/XXXX telling me that I had become a valued member XX/XX/XXXX, and that my last payment was XX/XX/XXXX, and I became delinquent XX/XX/XXXX. I received another letter from them XX/XX/XXXX that my account has a XXXX balance, and to give them 30 days to contact the credit reporting bureaus. Now they are suing me. I will enc lose all correspondence I sent them. I have a right to have my questions answered. Is my debt valid, or is it being discharged by The Deutsche Bank via 1099 A ( I have since filed a 1099 A myself online with the IRS and it was accepted ). Is my contract being traded on the Primary or Government market, and then on the secondary or Stock Market? Is my lawful percentage of this consumer transaction 80 %, and they are entitled to a 20 % servicing fee. As per the IRS code income is defined as stocks and property. Does my signature with my name and social security number give them access to the Treasury window to get paid? Is the statement ( nowhere does it state bill ) they are sending me, actually of a dividend check ( bottom part ) and bond ( top part ) of a T-Bill that was created from my credit card account in the Treasury 's Primary Market Auction? Am I supposed to stamp it according to 31 CFR 328.5 and 328.6, and endorse the back of dividend check? What does it mean to write over my security rights? Does this deprive me of lawful income and the IRS of lawful taxes? Did they furnish me with all the relevant and necessary information to make an intelligent and informed decision concerning this matter. I understand that I gave them implied consent by participating in their automatic payment programs, and giving them access to my bank accounts. Having said this, I have questions now that need to be answered, after all a contract is only valid if both parties are properly informed, and both parties sign the contract. I have since then rewritten my contractual agreement, and sent it to their legal department via certified mail. There also is a mandatory arbitration clause in Citigroup ( Citibank 's parent company ), nobody has offered me arbitration. This is also potential security fraud and tax envision, and falls under FINRA regulations, and needs to be heard there. Citibank is considered a foreign liability company with its headquarters in Delaware and is governed by the UCC. They kept charging me interest and late fees even though we entered a billing error, and took adversed action against me by suing me and closing my credit card which is a violation according to 15 USC 1666 a and 12 CFR 1002.2, UCC 3-603 and 3-604 ( They never returned my stamped and endorsed financial instrument which is sent registered mail ). As a federal protected consumer I have a right to ask these questions, and have them answered in an honest and respectful manner. All my purchases were for home and personal use only.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XXXX XXXX I was in the process of purchasing mens jeans for my husband. The cashier enticed me with an automatic discount of {$36.00} if I were to open a Macys store credit card on the spot. I accepted the offer. Unfortunately my husbands jeans did not fit and so I took them back to the store, with my husband that time, for an exchange for the correct size one week later. The cashier refused to do an exchange transaction and demanded that we do a return and then a separate purchase for the correct sized jeans. The opening discount that was granted to me appeared as a fee charged on my first statement. I called customer service department on XX/XX/XXXX and spoke with a representative, XXXX, who advised me there is nothing she could do. It is their store policy to renege on the discount and no exchange of merchandise allowed. I was not made aware of that at the time of purchase and I have yet to see that policy in writing. Nonetheless, after waiting 45 mins on the phone and being hung up on or disconnected, I felt I was forced to pay the fee of {$36.00} and so I did in a timely manner. On XX/XX/XXXX, after the purchase of the correct sized jeans, I was handed a paper coupon offering a Star Rewards discount of {$40.00} to use between that date and XX/XX/2023 online or in store eligible for any purchase of minimum {$50.00}. On a nearly weekly basis I received email reminders to use my {$40.00} discount before it expired. On one of the reminder emails I tapped on the button labeled shop now to use the discount. On XX/XX/XXXX, I bought a pair of girl shoes for our daughter, which totaled {$54.00}. The discount of {$40.00} was not applied to the transaction. On the same call to Macys on XX/XX/XXXX I explained the situation to XXXX to which she replied not to worry, the discount will appear in my next statement before I pay the bill. I received the statement and the discount was not applied. I have made several attempts to have this issue resolved by Macys, in which all have failed due to me being passed from one department to the next on extended wait time phone calls then eventually being hung up on or disconnected. The latest phone call was XX/XX/2023. I spoke with a total of 5 people. The last four being XXXX, proceeded by XXXX, proceeded by XXXX and finally a supervisor XXXX who said since the {$40.00} coupon expired there is nothing she can do but offer me another to use on another item. And that I have to pay the total amount of the bill including the now late fee incurred. I urged her to do something as this was not my error. I am willing to pay the {$14.00} but nothing else. She told me to hold on the line. After waiting 15 mins additional to what was already an hour call I was hung up on or disconnected. I truly have lost all faith in a company I used to use as my base for family clothing essentials. I should have never opened a credit with them. My credit has always been impeccable. I will not allow Macys pour business tactics to stain my rating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11372
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In XXXX, XXXX and XX/XX/2021 I became extremely XXXX with XXXX. I was hospitalized in later XXXX to early XXXX, then on XXXX XXXX, Following my hospitalization I was on XXXX medications and weekly XXXX XXXX for my XXXX because I am XXXX. In XXXX I had a XXXX and my XXXX closed again. During this time I was unable to work, I was isolated and unable to pay my bills, leave the hospital or my home. I one point I cound n't even speak. Prior to this my payment history was stellar 100 %, Under the CARES act and due to the pandemic I should have been offered a solution or my credit history not reported late as I got caught up as soon as I could. I have made several attempts to reach out to all of my creditors, via complaints, calls, letters and filing online with little to no success.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: This complaint is in regards to Wayfair Order # XXXX I earned {$180.00} and decided to use my points to purchase four items. The total of my order was {$190.00} - which left {$9.00}. The sytem showed me that was how much would be charged to my card! But when I checked my email, it didn't use my points at all and instead charged me the full amount! It felt like a scam and I contacted Wayfair and no one responded to me. I wanted to keep my items, but after no response I asked for refund tags. The problem with Wayfair is they don't give 100 % refunds! They charge a tax refund and return of shipping cost. So even if I returned the items they charged me for, they would still keep {$41.00}! I will accept either a 100 % refund and I can return the item or I can keep the items and Wayfair can use all of my points and charge me the {$9.00}, as I orignally indicated in the checkout page. I sent them an email requesting a full refund to my credit card statement and asked them to use my points as I indicated on my confirmation page.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 229XX
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: In 2005 I obtained a Citibank Costco credit card. I was approached by an employee at the store and was urged to sign up for the Business card. I explained that I was a free-lance writer with income that varied year to year, but that I was married and my husband and I had income from several other sources. The employee nonetheless urged me to get the Business card, rather than an individual card, and a secondary card was issued to my husband. Since then, I estimate I have made purchases totalling well over a XXXX dollars and faithfully paid off the monthly balance. My credit score is in the mid XXXX. In late XXXX, in advance of a long trip to XXXX, I attempted to and was able to raise my credit limit to {$25000.00}. I was notified by email within 24 hours of my request that it had been approved. My husband and I both notified Citi by phone that we were traveling to XXXX and would be using our cards there, to avoid triggering security concerns.I received no other communication from Citi and flew to XXXX with my husband for a XXXX trip. On our arrival, my Citi card was declined. Upon calling, we learned that Citi had closed my account without my knowledge and with no communication. When we called, we were told that it was closed because I had told the person approving the credit increase limit that the " business '' was closed. I believe I told him I had no income from writing last year, but gave another substantial sum that is my family 's annual income. The person must have misconstrued my answer, because in fact, I will continue to earn income in the future as a writer. When we called to find out why the card was declined, we were told that Citi had notified us by mail the reasons for the closure, despite the fact that they had my email address and phone number and knew that we were not at our XXXX home, but traveling in XXXX. I spent several frustrating days calling Citi and being told I would hear from someone, and finally received a stock email refusing to reopen the account. Upon our return, I found a letter from Citi claiming that they had reached out to me for more information about the business, which is a total falsehood. When I inquired about what would happen to the approximately {$1500.00} in cash-back rewards I had earned this year, I was told they would be " forfeited '' because the account was closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78703
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Note : The following was sent certified Return Receipt to Home Depot Credit Services in XXXX XXXX and XXXX XXXX On XX/XX/XXXX, I purchased a Dryer from Home Depot along with 2 sets of Plastic Boxes. When I went to pay the cashier she ran the Customer Service Invoice through the register. The printed information was jumbled and not readable. I told her to reprint it. She could not. She called a Manager and he told her to return the item and repurchase it. I only repurchase the Dryer, not the XXXX plastic boxes. She did and everything was ok until I got home and looked at my account. Promotional Balances Expiration Description Balance XX/XX/XXXX NO INT FOR 24 MOS - PMT REQ $ XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX No INT FOR 12 MOS - PMT REQ $ XXXX BALANCE XX/XX/XXXXXXXX XXXX No INT FOR XXXX XXXXOS - PMT REQ XXXX XXXX BALANCE I did not purchase anything for {$71.00}. Second, your own standards say the a purchase must be {$200.00} or greater for the PromXXXX. I called Home Depot Credit Services on different days and this is the service from each of your Customer Service reps : XXXX - We discussed distribution of payments. She was helpful. XXXX ( Specialist/Manager ) - It was difficult getting a straight answer from her. She mumbled something about allocations. She acknowledged it was their problem created by their systems. She said it would take 2-10 days to fix. Nothing ever happened. XXXX XXXX Customer Service Rep ) - A total waste of time. XXXX ( Manager ) - I wonder if he knew what planet we are on. I explained my problem to him and he discussed something else. He told me it was still being investigated. I ask to speak to a Senior Manager. He said he was transferring me to a Senior Manager. I wanted on the line for 45 minutes and then hung up. XXXX ( Manager ) - I finally reached someone who listened and understood the problem. He said I would get a letter confirming my identity concerning my account. I never got anything. XXXX XXXX- she gave some hope. She said she knew what caused the problem and would fix it. That was months ago and the problem is still there. Listed below are the documents I attached to the original letters ( I can provide them if you tell me how ) : Exhibit 1 - Customer service invoice with garbled printing. Date XXXX XXXX XXXX Exhibit 2 - Garbled portion of Customer Service Invoice ( Exhibit 1 ). Exhibit 3 - The original initial register receipt for the Dryer and 2 Plastic Boxes. XXXX {$610.00}. Date XX/XX/XXXXXXXX XXXX XXXX Exhibit 4 - Customer Receipt Refund. Date XX/XX/XXXX, no time stamp. Exhibit 5 - Customer Service Invoice for repurchase of Dryer only. Date XX/XX/XXXX, XXXX XXXX. Exhibit 6 - Reprinted garbled register information from initial Customer Service XXXXnvoice ( part of Exhibit 5 ). Date XX/XX/XXXXXXXX XXXX XXXX Exhibit XXXX - Repurchased Dryer invoice with no other items. Total {$600.00}. Date XX/XX/XXXX, XXXX XXXX. The attached documents are absolute proof of what I purchased and signed up for a promotion not to pay interest if the amount is paid within 12 months. I received a letter on XX/XX/XXXX from the XXXX XXXX facility. They told me to call because they needed additional information. I called. The Customer Service Rep had no idea what I was talking about and asked me to start from the beginning. I told her it's all in your system. I hung up. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37803
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My citi card ( XXXX XXXX ) charged me {$95.00} as annual fee in the last statement. I called them to cancel the card or down grade the card so that I don't pay annual fee. They agreed to cancel the card but says I still have to pay the annual fee. As far as I know, the rule is that if I cancel within 30 days of the last statement, the fee is waived. They are refusing to waive the fee. I paid so that my credit should not be affected. My credit card number is XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20874
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Someone used my info to apply for a credit card with Home Depot. Not sure whether it was online or in person. I received an alert via XXXX late last night XX/XX/23
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 474XX
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I received a pass due bill for XXXX with citi Bank XXXX XXXX. I have no knowledge of this account and gave nobody permission to open an account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 at XXXX I attempted to take {$500.00} out of the ATM at Citibank at XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX The machine shut down during the transaction and I did not receive my money. I reported it to the bank immediately and was told they were not responsible for the ATM since it was the drive up and not inside the building and that I had to report it to customer service since my account was debited the {$500.00}. At XXXX, I then successfully took {$500.00} out of the ATM inside the building, so there are 2 debits from my account on that day. I contacted customer service that day, but despite numerous conversations with the bank, customer service and the executive response team I was repeatedly told there was no discrepancy in the cash that day so I was lying and my money would not be returned. I filed a claim with XXXX XXXX XXXX XXXX as well as with the FTC, but have still not have my money returned. I requested that Citibank review the video at the ATM from that day but was told that information was not available without a subpoena. The executive response team informed me that I am at the end of the line and my money will not be returned I needed to stop trying to get my money back. All of this information has been shared with Citibank numerous times, but the response is the same. We are not responsible for the ATM outside the building.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A