Date Received: 2023-08-29
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: ON XXXX I made an online purchase with Macys ( order # XXXX ) using a Macys gift card in the amount of XXXX and I used XXXX to pay for the remaining balance of {$120.00}. The XXXX order number was XXXX. I had to pay {$31.00} for the deposit, which was debited from my debit card ending in XXXX. This is my card on file for XXXX. I returned the order. Instead of Macys issuing me a gift card back, they sent me a merchandise certificate ( XXXX ). This can only be used in the store. The closest Macy store is more than XXXX miles in XXXX Georgia. I called the customer service number and asked could they exchange this out for a gift card. I was told yes. I was on hold for over an hour and no one came back to the phone. I went into Macy 's store XXXX tried using the certificate because I never received the gift card. It stated the certificate had been used. The clerk in the store was like how it can be used, and you still have it. She called the customer service line. They asked me for my card number, and I would be issued a refund within 7 to 10 days. I never received the refund. On XXXX I called Macys again on hold for over an hour only to be given a number to XXXX. On XXXX I called again. XXXX a customer service manager at the store informed me that my card was credit on XXXX. I never received the credit. It was credited to a card ending in XXXX. This is not my card. I have since filed a complaint with the XXXX XXXX XXXXu in XXXX. The representative from Macys, XXXX XXXX states the credit was issued to the card ending in XXXX and was ending my complaint. This is not my card. I have never received the refund. XXXX never received the refund. They went back and did the history to the transaction. They refund me back my deposit of {$31.00}. I want my {$49.00}. If Macys would have sent me back my original form of payment this would have never happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XX/XX/23 I opened up a saving account at Citi bank and transferred {$100.00}. I checked that it worked so I transferred more money to save using a different device. And because of that they closed my account. I contacted them many times about refunding my money back but they did not refund or reject the transferring money I had to go to the other bank that I transferred from and reverse the ACH authorization and I was able to get my money back. However, I havent got the first transaction {$100.00} back yet, Ive been calling them a several times, they kept saying youll get a check from us during this time but I havent got it yet. According to them, my account got closed XX/XX/23 - XX/XX/23 ( they said it takes 30-60days to closing my account ) and since XX/XX/23 I called them a few more times but I havent got my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54022
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have repeatedly told these companies, the account have fraudulent activity and Im a victim of identity theft and accounts and charges arent mine 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was sent a credit card by Citibank AAdvantage card on XX/XX/2022 that I never requested or filled out. I called them immediately and reported fraud. None of the data they had matched me but it was sent to my house. Later I found out that the address was in XXXX TX. I never lived in Texas and don't know anyone in XXXX. XXXX I applied to finance a mower and was turned down. I have impeccable credit or I did, and that is when I found out that there was over {$16000.00} made on a card I don't have. I called the bank immediately and they cancelled the card and sent to their fraud department. They would not connect me to the fraud department and they were supposed to call me back in 2 hours and nothing! Had they done their job when I called them when I received a fraudulent credit card I would not be in this situation. I now have to go through all of this to clear this up with no help from them! They can not tell me where the purchases were made or any proof I made any of these purchases on a card I never applied for or used. I have contacted all three credit agencies. Citi was not very helpful and I don't trust they will resolve this as they did not take care of this when I called when I got the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19958
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX my debit card was compromised after using an ATM machine while traveling in XXXX. I called Citibank and was assured that they would look into three highly suspicious charges that were made in 3 separate cities for vendors I have never contacted in my life. I requested a new card as a result of these fraudulent charges and Citibank sent me one via FedEx. The first was for XXXX Townhouses in XXXX, TX. A XXXX search reveals that this is for a townhouse. Why would I make this payment? I never have in my life. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX {$1000.00} The next charge was the following Debit Card Purchase XX/XX/XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX in the amount of {$760.00} A quick XXXX search reveals that this is a go XXXX family race track XXXX XXXX XXXXXXXX I have never been to XXXX XXXX. The third charge was this Debit Card Purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX in the amount of {$41.00} I have never made a purchase from them before
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10010
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: hi all, how this is possible they approved me for this card and now I have a HARD INQUIRY on my credit.. I dont think that this is afair on my end .. this need to be removed immediately.. till XXXX woow. also BEST BUY ACCOUNT AND MACYS CREDIT CARD IS CLOSE STILL SHOWING NEGATIVE ON MY CREDIT WHY?? i need to remove this please
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10033
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: hi all, how this is possible they approved me for this card and now I have a HARD INQUIRY on my credit.. I dont think that this is afair on my end .. this need to be removed immediately.. till XXXX woow. also BEST BUY ACCOUNT AND MACYS CREDIT CARD IS CLOSE STILL SHOWING NEGATIVE ON MY CREDIT WHY?? i need to remove this please
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10033
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I paid the balance of the card less credits expected from Citibank as a result of interest and fee reversals that were pending. I received a collection call 90 days after this payment stating that I had a balance of {$37.00}. Confused, I contacted Citi and reviewed my statement. I was told that I did not pay the the balance of the account in XXXX and therefore the {$9.00} remaining balance plus {$9.00} interest was outstanding and that resulted in a an {$18.00} late fee. My concern is that I paid the amount advised by the Citi bank representative to bring my account balance to XXXX. After speaking with a representative today I was told that the amount provided by the rep in XXXX is an estimate and may not include interest or fees. My concern is this miscalculation by the CitiBank Rep resulted in an additional {$9.00} in interest and nearly {$20.00} in fees. The erroneous charges as a result of their customers service representative miscalculation is very predatory. I attempted to escalate the matter and was told they can not reverse the fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/2023, I received an email that my credit card was over the limit. This was shocking to me as I have not used this card for any purchases other than the initial purchase when opening the credit card, and have been paying at least the minimum every month so the balance due has been dropping slowly but surely. I called the company immediately to look into what I thought must have been fraudulent charges. The person I spoke with informed me that it was actually a {$710.00} fee that was just added to my account, putting me somewhere around {$440.00} over my credit card limit. They said it was the end period of some promotional something or other. I'm now in serious financial trouble due to this surprise fee. The company is requesting a minimum of {$440.00} payment this month, and we live on a very strict budget. I wouldn't know where to get an extra {$400.00} to pay this ridiculous minimum amount due. My car lease is up next month, and this has effected my credit score to the point that I will have to pay more monthly when purchasing. I have been working very hard to pay down debts incurred for living expenses during a life hardship. I always pay on time for everything, and pay more than the balance every time I am able to. Companies such as this one who prey on hard working people with these fees are a part of the massive problem in our society. If companies are allowed to continue to be manipulative like this, I and many others in my shoes will never be able to pay back debts and live comfortably instead of paycheck to paycheck and grasping at every XXXX. There has not been any communication of remaining due for any kind of promotion, and the minimum payment due was deceptive as it was not what was needed to fulfill the so-called promotional terms.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80109
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
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 opened a Citi Diamond Preferred card on XX/XX/XXXX. I never received the card. After trying to get through to speak with someone on their service number which consistently disconnected my call, I decide to close the account. I spoke with Citibank on XX/XX/XXXX to close the account. I received confirmation on XX/XX/XXXX via email and subsequently a letter that account was closed with a XXXX balance. On XX/XX/XXXX, I received an email stating there was a balance with a minimum payment due. I immediately called to question this as I had confirmation of my closure with a XXXX balance. They stated the transaction was pending when I requested closure. Yet they allowed the fraudulent transaction to go through even when I stated I never received the card. The representative told me it was taken care of and I would not have any issues. I subsequently received emails saying the fraud dispute was being reviewed and that a new card is being sent. This is despite the fact I stated on XXXX I wanted the account closed. I then received an email on XX/XX/XXXX saying my minimum payment was being reduced due to the fraud dispute. The minimum payment referenced was exactly the same as the minimum payment referenced in the email of XX/XX/XXXX when I first became aware Citibank negligently allowed a fraudulent charge on a closed account and a card I never received. I called again today on XX/XX/XXXX and was again told it is taken care of and to disregard their emails. I asked for this in writing and was told they can not do that. The representative attempted to pawn me off on their security department. I am requesting written confirmation from Citibank that the fraudulent charge on the account I closed is not my responsibility and any emails they send referencing a balance and/or minimum payment due is erroneous, and that Citibank is fully responsible for any balance they reflect on the card. It is incredulous that they state they send erroneous emails but can not send me information that has been relayed to me verbally in writing as confirmation of their representatives statements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A