Date Received: 2023-08-28
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: To Sir/Madam I am writing to file a formal complaint against Best Buy, specifically the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO. My complaint pertains to what I believe are misleading and deceptive marketing practices surrounding a recent promotion involving the Best Buy credit card and cashback rewards. As a recent transplant to XXXX XXXX from XXXX, my husband and I visited the aforementioned Best Buy store to make substantial purchases, exceeding {$4000.00} in value. During our in-store experience, a store associate informed us that by opening a Best Buy credit card account, we would be entitled to a 10 % cashback reward, called " rewards certificate, '' intended for new users. This reward, we were explicitly told, could be directly applied to reduce the balance on the credit card account. Given that I already hold credit cards with established cash back programs, including my XXXX XXXX, I was specifically interested in the Best Buy credit card for its promised 10 % cashback benefit. I went to great lengths to confirm with the associate that the cashback reward would indeed serve to reduce the credit card balance and not merely be applicable to future purchases. On each occasion, the associate assured me that the reward would indeed offset the credit card balance. In light of these assurances, I proceeded to open a Best Buy credit card account with an approved credit limit of {$4000.00}. Before finalizing my in-store purchases using the newly acquired credit card, I reiterated my understanding of the rewards with the associate. Once more, I was assured that the 10 % reward would effectively lower my outstanding balance by 10 %, resulting in a payment of {$3600.00}. However, upon receiving my Best Buy credit card statement, I discovered on the credit card website that I had been credited only {$360.00} in the form of " rewards certificates '' and an additional XXXX points. This sum fell {$40.00} short of the initially promised reward amount. To compound the issue, my attempts to utilize these rewards to make a credit card payment were met with technical difficulties. Subsequent endeavors to address these concerns with the Best Buy customer service department proved exasperating. My initial phone call was prematurely disconnected ( Attachment No. 1 ), and an online chat with an agent was terminated abruptly upon my mention of escalating the matter to the Consumer Financial Protection Bureau ( Attachment No. 2 ). As a XXXX XXXX in XXXX and a conscientious consumer, I am deeply troubled by such dubious marketing practices, which appear to be perpetuated by several companies in the industry. It is disheartening to witness that these practices persist despite my diligent efforts to seek clarity and confirmation prior to committing to the credit card account. While I regret that I can not recall the name of the store associate who provided me with the information, I can attest to her indication that she was pursuing her XXXX at a XXXX XXXX XXXX. I am prepared to engage with her in person regarding our conversation if it aids in the investigation of my claim. In light of the aforementioned circumstances, I am submitting a formal request for Best Buy to rectify this situation by disbursing the rewards as initially promised, in the form of a {$400.00} cashback. This sum should be applied directly to my existing credit card statement balance of {$4000.00}. I explicitly decline any alternative rewards, such as " rewards certificates, '' which are exclusively valid for future purchases. I appreciate your immediate attention to this matter and your commitment to addressing these concerns in a timely manner. For any further communication, please contact me at XXXX or XXXX. Thank you for your assistance and understanding as we endeavor to address and rectify this issue. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: In XXXX of 2022 I had transferred a large amount of my money from my personal investment account to my checking account with Citibank and from there to my cryptocurrency account. Citibank accused me of fraudulent activity and closed my account and kept the remaining funds from my checking account as well as continued to accept my direct deposit from my employer paycheck before I was able to cancel those transactions via my employer. I filed a complaint with Citibank and they still have not returned the approximately {$25000.00} they took from me. Anytime I call to speak with someone, they transfer my calls to the fraud department and treat me like a criminal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90241
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
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: On XX/XX/2023 I bought a XXXX laptop computer at the BestBuy XXXX XXXX XXXX, CA store for, prior to the promised 10 % immediate discount, {$460.00}. Salesperson " XXXX '' offered 3 payment options : 1. Pay in full. 2. Finance the purchase. 3. Sign up for a BestBuy VISA credit card and get a 10 % discount on the first purchase- which was the XX/XX/2023 purchase of the aforementioned XXXX laptop computer. Though I have two other VISA credit cards, the 10 % discount was attractive and I signed up for the BestBuy VISA credit card. " XXXX '' gave me the credit card approval document ( see page 4 of the attached documents ) and said that the 10 % discount would appear on the subsequent statement ( see page 2 of the attached documents ). As you can see from page 2 of the attached, the 10 % ( {$46.00} ) off the aforementioned purchase did not appear, and I called BestBuy credit services and was told that " XXXX '' was mistaken and I was to receive a {$40.00} off certificate for a FUTURE purchase, not what I was told. I DID subsequently receive an email offer of {$40.00} off a FUTURE purchase, with an expiration date. I was puzzled why I was misled. I disputed this matter, and a few days ago was told by a BestBuy credit services representative that my dispute was denied- no documented evidence that " XXXX '' told me that I would be getting an immediate 10 % off the XX/XX/23 purchase of the XXXX laptop computer. I was therefore responsible for the {$46.00} payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93401
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Today on XX/XX/, I received a notification from my XXXX account that my credit score dropped XXXX points in the last month. I then looked into my account and saw that I have been an authorized user for a " CITICARDS CBNA '' credit card for the last two months ( since XX/XX/ ) and that I am currently using 50 % of my account 's limit. I am not familiar with this credit card and would like this removed from my records/reports as I am sure this is a fraud. I will contact the creditor after I send this message.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10710
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I stayed around 10 days in hotel XXXX, at XXXX XXXX XXXX A, XXXX, CA XXXX close to XXXX, and at around third night, I left all my expired documents, credit cards etc to be destroyed since they are expired. But I just left for several hours for a small trip, the hotel maid either stole them or garbaged them. Later on I reported to Police, and whoever stole my documents immediately tried all my old credit cards, and at least XXXX of them went through, not even counting those valuable stuff which are stolen. and after that, occasionally I got a fraud charge from my credit card. And some even happened on my newly applied cards or recently replaced cards. And they also applied some loans with my identity, on XX/XX/, I got at least 5 credit inquiries listed below which are fraudulent! I am trying to dispute them right now! XX/XX/XXXX : 1. XXXX XXXX 2. XXXX XXXX XXXX 3 XXXX XXXX XXXX XXXX 4. XXXXXXXX XXXX XXXX XXXXXXXX 5 . XXXX XXXX XX/XX/XXXX Dormant Acount Activity Lender : AMEX/XXXX Amount charged : {$520.00}
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: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Macys occurred in XX/XX/XXXX. The previous month and the month after showing {$0.00} balances. But XX/XX/XXXX showing 30 days behind in payment. When I speak to Billing in Macys they also say it is odd that it is just XXXX 30 days behind and not paid in full, until XXXX? Then in XX/XX/XXXX again it shows XXXX, I paid the previous month in full. XXXX showing a {$0.00} balance, I asked billing when was the payment made? He could not tell me the exact date in XXXX? Huh? But it was for the full amount due? He stated I pay my entire balance, but it does show they dropped my credit limit from {$15000.00} to {$300.00}. Why? He did not know why? But I asked to speak with a supervisor. I did not care about my credit limit, but I did care about the passed due amount as we were still in XXXX and they were showing a {$0.00} amount due in XXXX, and 30 days pass due for XXXX? He could not explain it. He got a three way with two supervisors and they could not explain it. Said they would contact all 3 Credit Bureaus right away. I have been trying to get it removed ever since. Calling both XXXX who state they have contacted the Credit Bureaus and it is the Credit Bureaus who are not removing the negative report. Not XXXX. I have sent in a Dispute every month ever since. I find it strange both negative reports are in the month of XXXX. I refuse to use both cards now. I stopped using both cards. Or I pay the credit card bill as soon as I have shopped at XXXX prior to receiving the statement. If I didnt know better I would say someone works at the credit Bureau who knows me and is able to mess with my credit and make my payments late. Knows I have caught on and knows I am making payments prior to the due dates and can not change my payments. This is just cruel and I know it is illegal. Any investigation you can do I would be grateful. Regards, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 222XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Electronic communications
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Hello. I write to you let inform you that a few months ago i consolidated all my credit card debt including Shop Your Way Credit. I mentioned that according to XXXX XXXX XXXX organization which is the organization that i am currently using to get relief from all my credit card debt. I did this over the phone and gave all the information needed, i talked to a representative if you have any question and i believe this conversation was recorded. For more information please contact XXXX or you can contact them @ XXXX.
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: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ACCOUNT VERIFIED RESPONSE I Sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #. According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE XXXX 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$760.00} {$760.00} {$760.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$780.00} {$0.00} {$760.00} XXXX XXXX : {$400.00} {$400.00} {$0.00} Past Due : {$760.00} {$760.00} {$760.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. Unpaid balance reported as a loss by the credit grantor. Consumer disputes this account information Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO CO CO CO CO CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX OK OK XXXX XXXX RESPONSE DISPUTE 15 U.S. C ode 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 results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) 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 federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT PS! THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11553
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Citi Bank had reported 30 day past due on my account for XX/XX/2021. I was never late. Payment shows I made all the payments on time, therefore an error had occurred and needs fixing. Statements had been requested since they don't offer statements older than 24 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90029
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Once again XXXX us reporting inaccurate information about this same lender Citi ( CBNA ). I am submitting the information fron the lender statement about my account as well XXXX credit report showing the wrong amount balance. The amount the are reporting isnt what i owe after statement was closed out. This is an on going scenario with XXXX and as a result i have lost a number of credit opporunities due to this. It seems like they dont take the time to really investigate, and my reporting to the CFPB seem wasteful. I take this seriously as i monitior my account daily and dont think this should be happpening to any consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10465
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A