Date Received: 2023-10-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Please excuse any typos Im dictating this on my XXXX. Ive got XXXX. XXXX XXXX XXXX XXXX and I cant type very well my XXXX. Im about to Im about to purchase about {$10000.00} in new furniture for Macys in the past Ive like doing business with them because they have a good selection, good financing terms, and their sales people are generally very good, my latest experience is much much worse. I cant get a straight answer on promotional terms. I cant get a straight answer on what my credit limit is. Can you get a straight answer on delivery I get emails every day about delivering furniture that was supposed not supposed to be delivered till all of the furniture came in The sales people seem insular to these issues and dont want to solve them blame them on Macys them selves and asked me STS to call customer service which is totally unhelpful. You cant understand most of them. They dont speak English very well. Ive done business in the technology sector for 40 years globally, and I understand accents from just about every country in the world and I cant understand these people are working in the US for Macys in the customer service department there. Totally understandable insular dont care of the customer cant understand them dont provide a solution dont even say oh Ill get somebody else to talk to you they just transfer you another number so you can start all over again with somebody else. He doesnt speak very good English. The whole experience has been very, very frustrating, but my main issue is they are not revealing the terms and making it very difficult to find out what the terms are and they need to hide the word customers like myself. How can I turn down a {$10000.00} purchase when youre practically bankrupt. This company is very broken. Your Board of Directors needs to be revamped and people with real customer service experience put on it. I repeat from my last complaint button where you asked to publish. This does not work properly. I have a new XXXX. I keep pressing the button and nothing happens. Fix this problem. Its your website problem its not XXXX problem. Do you have a Customerservice problem yourself fix it?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Please excuse any typos Im dictating this on my XXXX and I have XXXX which XXXX XXXX XXXX XXXX XXXX well. The issue is with bases practice is around there. No more worry insurance on furniture. The way it works. Is you buy insurance for five years if you dont use the insurance, the policy gets reimbursed now first of all, its a scam to begin with because the furniture and they were dealing with a very high-end from XXXX XXXX and should come with a five year warranty that doesnt require an added warranty, so its just a way of sucking you in paying more for your furniture XXXX and this is the real killer they dont notify you when your policy expires so if you dont keep track of yourself five years later and file on time your claim youre out of luck I think this is a very the stuff this up to practice very on consumer, friendly, and just deliberately delivered and its in blatant And its and its deceptiveness I recently had this happened to me with the purchase. I made five years ago and missed it by a month. Theres no way of escalating it or disputing it within Macys. Their customer service process is totally broken. Any customer service agent Ive tried to talk to just passed me on to somebody else most of them dont speak English very well. Ive had global jobs with companies like XXXX and understand accidents from people around the world, I cant understand these human. These human beings are working Macys customer service and theyre stateside. Youre not offshore I can not understand what youre saying I want day I spoke to three different customer service agents all of whom I could not understand they talk into the collar they dont annunciate they dont care the customer cant understand what theyre saying. They provide no solution to it. Theyre totally insular. Its a very aggravating Situation and here I am trying to spend $ XXXX {$20000.00} on furniture at a company who is practically bankrupt and can really use high net worth customers like myself By the way, your website doesnt work very well. Im trying to click the button about publishing this and Ive done it multiple times on a new XXXX and it doesnt want to click you need to fix it. Your your service is just as aggravating as Macys which is not unusual for a government entity. Sorry for the for the insult you deserve it. Ill keep dry. there is finally work.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: After several attempts to pay the debt, the XXXX card account was closed therefore i CANCELLED the XXXX payment. Every month they try to debit WITHOUT my authorization the balance owed. Surprisingly, yesterday my job deposited my paycheck and without authorization, they debited the amount for the balance owed. This transaction was not authorized, the recurring payment programmed for this account was cancelled months ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 00926
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Account blocked without reason or previous notice Date : XXXX Account : XXXX Card Number : XXXX Case Number : XXXX After making 5 XXXX transfers from my own accounts : # XXXX # XXXX # XXXX # XXXX # XXXX My Citibank account was closed without any reason and I can not access my account anymore it says that my account is inactive now. They have not responded to any of my calls or other communication other than the email attached with my case number. I need my money now, and I would like to regain access to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11211
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: On XX/XX/XXXX I went to your store the one in XXXX XXXX purchased all my kitchen appliances from Best Buy. The issue that I have is with the microwave trim kit. The first one I got was dented I called Best Buy to notify them of the issue. I received another when the crew members came to install it was forced in and the microwave kit was dented it. Called Best Buy again they sent me another microwave kit. Crew members came again not able to install it because it was the wrong size, they took it to back to the store themselves ( crew members ). Called Best Buy again was sent another microwave kit wrong size again this time Best Buy sent XXXX to pick up the kit. At this point I don't know what to do anymore. I paid for all my appliances, but I'm stuck with a dented trim kit. I don't have any trim kits in my possession except the one that's installed which is dented and loose on top. I have called multiple times and they have me on the merry go round. I spoke with XXXX the supervisor who promised me XXXXXXXX XXXX card. Last time I spoke with her was on XX/XX/XXXX gave a reference number XXXX XXXXXXXX and told me I should be receiving a XXXX card within XXXX days. At this point nothing, this issue has not been resolved. I'm tired and annoyed of calling have explained the issue to multiple people on their customer care department and I keep getting a different story every time. Until today I have not received the XXXX that was promised to me which is rightfully mine. See files XXXX pic is dented at the edges and second pic the kit is loose on top not properly installed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I could not log in to my account. When I tried to change my password I got a notification that I couldnt log in and my access was blocked. When I called, no one would give me an answer as to why my account was closed. They read off a script and then hung up on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11419
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: We had been looking for a combine, we were checking out several auction sites and dealers online hoping to get the best combine for a good price. On XX/XX/XXXX we made contact with XXXX XXXX XXXX, from XXXX XXXX WI. about purchasing a XXXX XXXX XXXX XXXX Combine with a XXXX XXXX XXXX header with a XXXX ' length header trailer. We requested a video, at XXXX on XX/XX/XXXX. We had researched this company and were pretty confident that they were legit. We also expressed concern to our lender and they checked them out also and felt that they were reputable. By XXXX on XX/XX/XXXX we had decided to purchase the combine and started the process through email. We received the Sales Document via XXXX at XXXX and by XXXX we had received an invoice with a reference number and the Bank Wire information. We forwarded the information to our lending institution and they began the process of wiring {$22000.00} to them, which was sent on XX/XX/XXXX. we wired the down payment of {$5600.00} on the same date. On XX/XX/XXXX at XXXX we received an Email from XXXX XXXX XXXX with the shipping information and the delivery date of the combine. They were using their own trucking company. They also requested that we insure the combine which we did. The delivery date arrived, we waited to hear from the trucker. On XX/XX/XXXX we tried calling them at XXXX, XXXX, & XXXX, we finally spoke with whom we assumed was XXXX XXXX about when the combine would be delivered. He never returned our call. We called several times on XX/XX/XXXX & XX/XX/XXXX, our calls were blocked. On XX/XX/XXXX I placed a call to the Citibank Branch that their account was at. I spoke with XXXX different gentleman about my concern that my wired money was gone. Because I had the account number they were able to pull the account up and saw both of my deposit transactions and that the money was still there. He advised me to have my lending institutions immediately file a " Recall of Wire request '' Which I did. Within an hour both banks had filed it. They both also assured me that Citibank would not let me lose my money, that I was protected. That within 90 days my money would be returned. I have since tried to call them again, I can not get through to the branch. I did speak with a corporate lady she basically told me " too bad, so sad '' not their problem. She also gave me Citibank 's wire operation unit phone number, I could not reach anyone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 832XX
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to file a formal complaint against Citi, a financial institution subject to the Gramm-Leach-Bliley Act ( GLBA ), for their failure to comply with my GLBA opt-out request. On XXXX, I sent a written request to Citi, exercising my legal right under the GLBA to opt out of the sharing of my nonpublic personal information with credit reporting agencies. This request was submitted in accordance with the GLBA regulations and guidelines. Despite the clear and lawful nature of my request, I have yet to receive any acknowledgment, confirmation, or response from Citi. Their lack of communication has caused me significant frustration and concern regarding the privacy of my financial information. I have attached a copy of my initial opt-out request, which includes all the necessary information required by the GLBA, to this complaint for your reference. I believe that [ Creditor Name ] 's non-compliance with the GLBA poses a serious violation of my consumer rights and privacy, and I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter. I request that the CFPB conducts a thorough investigation into the non-compliance of Citi with GLBA regulations and takes appropriate action to ensure that they promptly acknowledge and process my opt-out request. Furthermore, I request that Citi be held accountable for their failure to adhere to GLBA guidelines and that they are made aware of the potential legal consequences of their non-compliance. Please consider this complaint as a formal request for investigation. I appreciate your attention to this matter and your dedication to ensuring consumer protection and privacy. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly and effectively. Thank you for your assistance in resolving this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I attempted to log in to my account and it said " access blocked ''. I went to a Citibank branch on XX/XX/2023 and was told they can not help me and that I needed to call a specific phone number. When I called the phone number they told me they could not provide any information and that they would be disconnecting the call. I asked them why my account was closed and if they would be returning my funds to me and they hung up the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11419
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
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: I reported fraudulent charges on my Citi credit card account in the amount of {$2500.00} over multiple transactions. The CC opened a disputed and was supposed to remove the charges from my account. They did open a dispute and never removed the charges. They called and asked me about the charges, which I explained appeared shortly after I had made a purchase on XXXX. The billing on my card looked similar to the billing for the valid XXXX purchase but I did not make them and they do not appear in my XXXX transaction history. The dispute was closed stating I owed the money because I provided the merchant my card. I called on or about XX/XX/XXXX after received the dispute closure letter ( dated XX/XX/XXXX and postmarked XX/XX/XXXX ) explaining that I did not authorize the additional charges and was told a new case would be reopened. I offered and sent my XXXX transaction history, the CSR I spoke with assured me that would drive rapid resolution of the problem. I have called twice in the last two weeks for status to find nothing has occurred. No new case has been opened and the charges have not been suspended. On the call today I was told I was responsible because I gave the merchant my card ( assuming they meant number ). I fail to understand how I can be responsible for someone fraudulently using my card number without my authorization whether or not I had provided it for a valid authorized purchase. If that were the case the entirety of the credit card, bank card and virtual payment systems that businesses in modern day socitey rely on would collapse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A