Date Received: 2023-05-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have tried to have this problem answered. On Sunday I called Citi to find an answer to my question concerning {$89.00} which was part of a larger overpayment of my statement ending on XX/XX/XXXX only to find out none of the representatives I spoke to could give me an answer. What I received was " give me a moment while I take a look ''. The rep never comes back and the phone goes dead. This happened twice, no one ever came back and no return call and no email. When asking for a supervisor I was told " none available ''. I was looking for an answer to this : Statement ending XX/XX/XXXX. XXXX Payments due XXXX Charges XXXX Less Credits of XXXX Total due by XXXX XXXX Sent in and received on XX/XX/XXXX a payment of {$700.00} to be credited to my account. {$700.00} Payment XXXX Due Citi for charges and XXXX payments XXXX Balance to be applied where? I found {$19.00} cents applied as an add'l credit to flex plan # XXXX {$100.00} over payment - XXXX Applied to XXXX XXXXlan # 5 as add'l payment {$89.00} missing. Can someone find out about this and let me know. The reps I spoke to before being disconnected could not see what I was trying to say. To me it's basic math unless something is hidden in the statement that I can not see and I would say the same about the reps. XXXX fixed charges + monthly charges-credits=amt due. THANK YOU XXXX XXXX PS Now I will have to go back and check those months that I have made over payments..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XXXX XXXX XXXX XXXX I received a statement indicating that a minimum payment of over {$700.00} was due to the charge card not declining transactions causing the card to be charged over the limit. In speaking with the representative they explained that in fact the card should have been declining but it did not. So the agent set up a payment arrangement to bring the balance down. The payment arrangement was set up for about {$240.00} however at the time of the payment instead of auto drafting the payment arrangement amount Macys debited my financial institution the invoiced minimum amount due which caused an overdraft and nonsufficient fee XXXX times for the auto attempts made by Macys ( XXXX XXXX XXXX XXXX XXXX XXXX ). I have communicated with them about this multiple times being given the run around and not ever responded back from the email I was advised to send to XXXX. I want to be reimbursed for the fees charged from my bank in the amount of {$210.00} whether by check or credited to my credit card principle balance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I sent a billing error dispute/validation of debt, affidavit of truth, opportunity to cure and notice of default letter to Macys XXXX XXXX XXXX Citi Bank N.A XXXX over the course of several months ; They have not worked with me to reconcile my account and maintain proper procedure under federal law therefore reporting several late payments and account closure on my credit report without my consent. Because of this, I have endured great anguish and turmoil as I have not been able to handle my affairs due to the hard hit my credit report has taken. Their unfair and erroneous debt collection practices need to be punished! here are a few federal laws they have broken to start with : 15 USC 1692c 15 USC 1692d 15 USC 1692j 15 USC 1666d 12 CFR 1026.13d ( 1 ) 12 CFR 1026.13d ( 2 ) 12 CFR 1002.4 ( a ) 15 USC 6802b
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94531
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have this Home Depot Credit card. They lowered my credit limit without any issue. and without even a notice. Which impacted my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
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: XX/XX/2022 purchased 3 items from XXXX online charged in 2 increments. {$1100.00} and {$4800.00} XXXX XXXX returned all 3 items and received credits for only 2 items. {$1100.00} and {$3700.00} {$1100.00} still owed. I could not get my money back from XXXX so I opened a dispute with my Citibank CC. XXXX said they would not fight the Chargeback. XXXX sent me screenshot of the chargeback saying it was lost. I expected to see a permanent credit on my account, instead I received a dispute resolution letter stating that Citibank lost the dispute because they couldnt get a payment from XXXX! I was charged {$1100.00} for something I returned!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I recently submitted complaint XXXX and this is also in reference to that s it is causing further issue in banking for me as a result Citibanks negligence and inability to document properly. XXXXXXXX XXXX cshed the check in the former complaint, which was I haad Tuesday afternoon after Citibank as supposed to have issued it to me on Tuesday to my account and they lost my deposit due to some software glitch. They didnt know if they would be able to restore it, And suggested I deposit it again! Knowing how slow they are and the other issues - I told them I would take it somewhere and cash it. Now Citi has flagged my UNEMPLOYMENT CHECK THAT I RECEIEVED FROM THE GOVERNMENT AS FRAUDULENT WHEN THEY LST THE DEPOSIT IN THE FIRST PLACE and XXXX Monday has suspended transactions with me as a result. Maybe this is what they think is fraud, but I think its a matter of Citibank screwed up and all of their staff is out of the country for some reason, and they also seem to have difficult time with docuementing the account. If I can prove all the phone calls to them just in that week alone, Im sure you can Imagine I wasnt just calling to sy hi.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85257
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/ around XXXX XXXX, I received an email from Bloomingdales credit card service and informed there was a store purchase for {$3100.00} on XXXX cosmetics. It is at their XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York store location. But I was home and did not make this purchase. I immediately called Bloomingdales and filed a fraud claim. It was a presale until XXXX XXXX informed Bloomingdales to stop the transaction. On XXXX I went to the local Police office and filed a police report. On XX/XX/3, I saw Bloomingdales still posted this fraud transaction. I called Bloomingdales on XX/XX/ and questioned why they didnt stop the transaction and still released the product to the criminal. They could not give me a clear explanation. I am very disappointed about the way that Bloomingdales handled the issue although I informed them when the fraud happened immediately. They still let the criminals took the products and posted charges to my store credit card. It is absolutely unacceptable!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11358
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to dispute a credit report error that has caused significant damage to my credit score. According to my credit report, I have a delinquent account with CBNA for an outstanding balance of {$490.00} However, I have never had an account with CBNA, nor have I ever received any communication from them. I have contacted CBNA to resolve this issue, but they have no record of me or any account associated with my name or personal information. This has caused me significant stress and anxiety, as my credit score has dropped significantly due to this false information. I request that you investigate this matter immediately and remove this erroneous account from my credit report. I also request that you notify me in writing of the results of your investigation and any actions taken to correct the error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I took out an AA Citi card. They said they mailed it but I did not get it. I called and confirmed they had the right address and they sent another card. This weekend I have received 9 harassing phone calls and several emails dunning me for payment. I called and explained that I have not received the bill. I was told they could and would fax it to me within 24 hours. I did not receive the fax and called and spoke with another rep who said they can not and do not fax statements and they further would not email it to me. I told both reps to have Citi stop calling me. I then cancelled the card and wrote a letter to the CEO complaining about the harassing calls and saying I will pay the bill for all legitimate charges, in full, upon receipt, but will not pay any late charges or interest for a bill that I have not received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95682
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
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 had opened a credit card account with Macy 's in XX/XX/2022 along with an in-store purchase of {$180.00} from Macy 's XXXX XXXX XXXX XXXX XXXX I never received a physical card to allow me to setup a payment account to pay the balance. I tried calling Macy 's customer care rep ; however, I would be asked to give a credit card account number to access information about myself ( which I didn't have ). I got a call from collections agency in last week of XX/XX/2022 asking to pay {$1800.00} on my acount. At this point, I did not have a credit card in hand, no statement, no emails, no texts from Macy 's about my card usage. I asked where was this charge coming from and why didn't I receive any emails/texts and the transactions. WhatI was told is that someone could've used my card and had " OPTED OUT '' from emails and texts. WHY would I do that to my own credit card amount? I have multiple cards with different accounts and I have not missed a single payment so far. I have called Macy 's customer care rep to file a complaints for incorrect/fraudulent charges, provide me with a statement of charges, send me a credit card. I can not still see any statement issued on my online account and the only thing I see is the outstanding amount. I have called and failed a complaint with Macy 's 3 times in XXXX, 2 times in XXXX, 3 times in XXXX and minimum of 3-4 times in XXXX and XXXX. Every time I called, I hear that you have not filed a complaint so far and they file a new complain and ask me to wait 2-3 billing cycle to get a resolution. This has affected my credit score, caused me to making several calls to macy 's amex and the store owners and inability to get out a personal loan for myself. I sincerely request to get help with this issue. The outstanding balance today is at {$1800.00} dollars and I have paid my {$230.00} towards my original balance of {$180.00} with late payment fees even when they had not issued the card and were in the middle of an investigation that has been going on for 6+ months. i feel like I am being scammed by someone and there's no support from the company. This has started to stress me out with my mental health being affected by this constant chase of non-fruitful calls. Any hep would be really appreciated!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94117
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A