Date Received: 2023-10-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have made several payments to Macy 's that are not reflected in the account balance. Further, i closed this account over XXXX & XXXX years ago with a statement balance of XXXX. Again, I have made payments that are not being deducted from the account balance. I have consistently paid this account fearing a bad credit rating however, I fear that as a senior citizen I am being taken advantage of. I have contacted Macy 's several times and consistently encounter customer services representatives who do not adequately speak XXXX and are unable to understand and address the problem. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Citi is still refusing to give me back my funds despite it multiple CFPB complaints. It's been over 40 days since I have been locked from accessing my $ XXXX in the account when Citi blocked me. XXXX at Citi 's ERU has been completely incompetent, unresponsive, and unprofessional. I need someone else in the ERU on this case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Today The Home Depot credit card was deleted on XXXX and they took away XXXX points from my credit report. This account was fraudulently opened XX/XX/23. I also seen on report that i lived in XXXX, Ca which is false. I also found out yesterday the Home Depot Card Fraudulently opened is also in XXXX, California. I believe at the address and only address in XXXX where i supposedly lived is where the thief lives and opened up The home depot card living at this address. Please investigate this address where i never lived. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95351
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
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: XXXX on return receipt : Macy 's XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - Order # XXXX. On XX/XX/XXXX I returned a purchased item to a Macy 's store. The receipt says to " allow XXXX business days for the shipment and processing. '' XXXX business days from XX/XX/XXXX is XX/XX/XXXX. I called on XX/XX/XXXX to inquire about the refund. I spoke with XXXX ( sp? ) and was told that the tracking slip said the returned item delivered on XX/XX/XXXX so I should see the refund within a week. I also asked about interest accrual and was ensured that the interest would be credited along with the purchase price of {$56.00}. It's now XX/XX/XXXX and I still have no refund. I tried calling the credit card service line twice today. Once, the automated message said that they can't access their records right now and to call back later. I called back and got through the automation to hold for a representative. After holding for XXXX minutes it dropped my call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98607
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The Home Depot is reporting that I had a store credit card and that it was charged off.. I informed XXXX that I have NEVER had a Home Depot card.. I submitted a dispute and got a generic reply that Home Depot " had confirmed '' the account, so it was left on my report.. They have no proof of my identity however.. They don't have my ID on file.. I know this for a fact.. Companies like XXXX and XXXX should have a burden of proof and not just be able to arbitrarily say " oh yeah that's accurate '' .. Take some responsibility and give the consumer the benefit of the doubt instead of corporations..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28540
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I went to a supermarket on Saturday XX/XX/XXXX. XXXX XXXX I swiped my card twice and inputted my pin. My bank declined it twice. I called my bank and when I called my mobile app showed I was charged although both transactions were declined. I was not allow to leave the supermarket with my groceries. I submitted a dispute and CITI Bank refused to give me my money back. I submitted another dispute on XX/XX/XXXX, sent a receipt showing the amount and that I was never charged. Furthermore the Supermarket sent me an email explaining that the charge never went through. They sent me the error messages their bank received. Citi bank has refused to work with me, they have refused to speak to me. Managers continue to hang up the phone. The supermarket never received my payment but Citi bank too my money. Furthermore the day in question Citi bank admitted that they were having technical issues and continue to refuse to give me my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11225
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I called Citi visa costco card to remove me as an authorized signer.I was told they needed to speak to the primary on the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73013
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have an AT & T Universal Rewards Card from Citi. My XX/XX/2023 statement had an interest charge of {$30.00}, even though I had paid the balance on my XX/XX/XXXX statement fully and on time. I challenged the interest and received an update on XX/XX/XXXX that stated, " We've determined that your account is not eligible for a credit of the finance charges '' and nothing more. After I challenged my XX/XX/XXXX statement, I received an update on XX/XX/XXXX that stated, " interest charges for purchases, balance transfers, and cash advances accrue from the date the transaction is added to your balance until payment in full is credited to your account. This means that you may be assessed interest charges for the time between the date your last statement prints and the date your payment is credited to your account. Please see your Card Agreement for further information about how interest charges are calculated. '' This is not the way my account has always worked : interest was only charged when I did not pay my balance on time. I challenged my XX/XX/XXXX statement and requested a copy of my Card AgreemenXXXX. After I challenged my XX/XX/XXXX statement, on XX/XX/XXXX I received a copy. It stated, " You wont pay any interest on Purchases if you pay the Adjusted New Balance, including any Balance Transfers, plus any Citi Flex Plan Payment Amount, in full by the payment due date shown on your statement each Billing Period. We call this a grace period on purchases. If you dont pay your Adjusted New Balance in full, plus any Citi Flex Plan Payment Amount, by the payment due date in a Billing Period, youll pay interest on your Purchases from the date theyre posted to your Account. You also wont have a grace period on Purchases again until you pay the Adjusted New Balance in full, plus any Citi Flex Plan Payment Amount, by the payment due date 2 Billing Periods in a row. '' I quoted this passage in my challenge to my XX/XX/XXXX statement. I have not received a response as of XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66048
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Two days ago, I received an email from Home Depot thanking me for purchasing {$1000.00} of lumber in XXXX, CA. However, I live in Oklahoma. I logged into my Home Depot Pro Account to find that nearly {$4000.00} in purchases is associated with my account, using a card I DID NOT OPEN and DO NOT OWN. I attempted to call and remedy this situation, but their credit department requires a social security number ( mine was not accepted ) or an account number ( for an account I Dont Have. ) I am at an impasse and refuse to fight with their automated system just to try and counter what is either some very foolish fraud, or a glitch in their systems, any longer. Needless to say : DO NOT OPEN A PRO ACCOUNT. Do not trust Home Depot with your information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have had a longstanding consumer relationship with Citibank, spanning over 30 years, which has unfortunately taken a distressing turn due to an internal error within the bank. I initiated a request to close a Certificate of Deposit ( CD ) account that had been established by my late mother. Importantly, this CD account was separate from my personal checking and savings accounts. However, due to a serious oversight on Citibank 's part, my personal checking and savings accounts were mistakenly closed instead of the intended CD account. Upon discovering the erroneous closure of their accounts, I promptly contacted Citibank 's customer service, only to be told that the closure had been executed at my own request. Frustrated and confused by this response, I took my concerns to a Citibank branch in XXXX, XXXX as directed by Citibanks customer service department. The branch confirmed that this was, in fact, an internal error and not initiated by me. They assured me that checks to reimburse for the affected accounts would be issued within 7 to 10 days. However, the promised timeframe has extended to a month, and when I finally received a check from Citibank, it was incorrectly made out to another individual. To resolve this issue, I worked with branch personnel to initiate a stop-check request for the incorrect checks. I was informed that new checks would be reissued which I have yet to receive. Furthermore, Citibank conveyed that they were unable to reinstate my accounts due to the internal error, leaving me in a precarious financial situation. The delay in resolving this matter has had severe repercussions, including late payments and penalties on other accounts connected to these funds. My long-standing and previously positive relationship with Citibank has been marred by an internal error that resulted in the incorrect closure of my personal checking and savings accounts. The subsequent attempts to rectify the situation have been met with delays, misaddressed checks, and a lack of clarity on the part of Citibank 's customer service. This has had significant financial consequences for me, and I am urgently seeking a resolution to expedite the disbursement of my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11420
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A