Date Received: 2023-04-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: i was disputing the inaccuracies of late payments listed on Macy's/Citibank N.A . credit card. I asked to submit proof of the incorrect information on all my credit reports that list worst payments status 90 to 119 days late. Instead of providing proof that updated removing the statement that " consumer disputes this card '' Instead puts card was closed It has been closed since XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11010
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: on XX/XX/XXXX I made a promotional purchase on Macys.com in the amount of {$810.00} - a 12-month special event, paying no interest for 12 months with an expiration date of XX/XX/XXXX. On XX/XX/XXXX I called Macy 's CC, spoke with the agent named XXXX, and paid {$300.00} towards {$810.00} ( ref # XXXX ), leaving {$510.00} as a balance. The {$300.00} payment was applied towards a promotional charge during the same billing cycle. On XX/XX/XXXX I called Macys.com CC, spoke with an agent named XXXX, and paid the remaining balance of {$510.00} towards the promotional charges to close it out ( ref # XXXX ). I also told the agent that since I am making a payment before my due date, I will make another payment in the same billing cycle. I did make a separate monthly payment in the amount of {$180.00} two weeks later before my due date on XX/XX/XXXX. I was assured that my payments will be allocated as I requested. Today, XX/XX/XXXX, I reviewed the XXXX statement and saw that the payment of {$510.00} was not applied toward the promotional charges but applied toward regular charges, leaving the promotional charges still occurring as the interest ( deferred {$230.00} ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27587
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have a CitiGold account with Gold Debit Card. One of heavily advertised benefits of this account is a Subscription Rebate program, which refunds up to {$200.00} per year for certain subscription services. I am registered for merchants XXXX XXXX and Costco, same merchants I have been registered for the last 2-3 years. On XX/XX/23 I purchased Costco membership for amount of {$130.00} after taxes. I was expected to get rebate within days, but as weeks went by, I decided to contact CitiGold customer service. Once again, I was expecting to see rebate hit my account within days, but it did not happen. No one from Citi had even tried to contact me, and after a few weeks when I called them again, I was informed that they decided not to credit me the rebate as they advertise. It is perfectly acceptable for them to stop offering this service for all CitiGold customers, otherwise they do not have a right to pick and choose when they want to pay a customer back and when they dont.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Macys Credit Card ALERT I was unable to use my card in XXXX 2023z every attempt the order was canceled. After 9 calls to Macys I was told what the issue was BUT it does not make sense and you will want to look into this one as I am a XXXX XXXX XXXX XXXX and this could be BIG! Short version/contact for detailed summary. I was advised I had a returned payment on my card and therefore I could no longer use for online purchases. This was fake because my bank had no records of this returned payment. I asked Macys for documents and they refused. Eventually I got in touch with their XXXX XXXX department and they told me everything. A payment for {$200.00} was made to Macys on XXXX according to Macys they stated the payment was retuned but how did this happen when I have my bank details in my account ready to go? I was able to set-up bank account and name the account so I didnt have to enter the information everytime I made a payment. All prior payments went through so how did this one fail? And why doesnt my bank have record of this? According to the XXXX XXXX rep I spoke she said one digit was changed in my account number. I explained this is impossible because I dont enter the deposit information as it is saved under my account for easy online payments. She then told me that I was charged {$30.00} in XXXX for this false/fraudulent/phantom payment return. She also said it happened again in XXXX, and the same digit was changed in the exact same way from XXXX she said I was not charged for XXXX returned. It seems if I did another legitimate returned payment I would have been charged. She had no explanation as to how the digit was changed and confirmed that at the time of the call, my bank account information was correct. So who changed a digit in my bank account creating a false payment scenario that I would have never been notified of because it didnt go to my bank and when Macys sent an email I disregarded because I knew my payment details were verified and secured in the quick payment as all prior payments were completed successfully. And how was this digit changed back to my original account number when I never reverified my banking details YET after many phone calls, my payment went through without issue? Had they not blocked my card for online purchase I would have never known I was charged {$30.00} for this false issue. Furthermore, why cant anyone tell me how this occurred and if legit then why wasnt my account charged the {$3000.00} fee when this occurred a second time? The customer service reps refused to provide me information and hung up on me everytime I pressed my questions. This is why I got a hold of the XXXX XXXX department on my own. They explained what had occurred but had no explanation. So I would like to know, how maul y other Macys cards had their banking information changed, a false payment sent through to create a returned payment scenario and the got charged a {$30.00} return payment fee? My guess is MANY accounts were charged falsely due to the intricacies that occurred to make this happen would be impossible for a normal person to catch and if their card was blocked alerting them of this, they probably would not notice. If it were me on this case, Id request all returned payments in the month of XXXX that used their ( already verified and available for selection via a scroll down box to select to use as payment method ) banking credentials to make payment and payment was returned. I would also request these accounts should have had prior payments made from the verified banking account selecting from the options of payment method. I never re-entered my banking details and have been making timely payments this way since in the past without issue so what happened Macys? And how much did you make from these manufactured return payment fees and if you didnt do this then please explain how my account credentials were changed and then changed back allowing me to select my bank account and make a successful payment after this issue was realized and I received a refund of the fraudulent {$30.00} fee? And if Macys claims this was legit then how was me account changed the next month? The same digit changed and the same issue occurred of a returned payment yet NO {$30.00} fee issued on that fake transaction? Feels very fishy Macys! I understand this can be confusing for anyone outside of the financial industry but please check your statements and follow-up and just because they hang up on you after 28 minutes on hold, multiple times, dont give up! Someone kind will help you eventually.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX XXXX is asserting my rights and disputing my debts under Code 15 US 1681c-2 1681b 1692-g and 168152 shall remove any information in my file regarding the credit Act.I am requesting this removed immediately, because the information is negative and outdated according to the fair act, and i am requesting a charge off from debt on my credit report. Accounts Affected by the Crime
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Note : The previous page 's question, " Which best describes your problem? '' lacked a button with a clear response for me to select, but I did my best. In the last half of XXXX of XXXX, I became a victim of a mystery shopper job scam, and made purchases on two of my credit cards that I was advised I would be reimbursed for ; the first purchase was made on XX/XX/XXXX. Per this individual, I shipped out the merchandise accordingly. My " assignment '' afterward was to submit a review of the service I experienced at the merchant store. The individual and company I " worked for '' were spoofs or frauds of legitimate ones. It was clear within a couple of weeks that things were very wrong, and as soon as I was confident of this, on XX/XX/XXXX, I began contacting my card companies and trying to rectify my situation. The scammer had arranged for a cashier 's check to be sent to me for my services, which turned out to be altered, according to my bank, which was the final catalyst for my suspicion of trouble. On XX/XX/XXXX, I spoke with local police, who advised me to block the scammer, which I did. I also was able to recover merchandise on XX/XX/XXXX, saving more loss ( there were XXXX, followed by gift cards, involved ). A very nice woman with Citibank High Risk spoke with me on XX/XX/XXXX ( XXXX ), who understood my long-standing account and good history ; I made her aware of merchandise that didn't make it to a destination that would be coming back to me, which pleased her and said would help since it would bring me back under my credit limit ( because the scammer 's reimbursements were being returned ). She advised me to freeze my credit and have my phone and computer checked for malware, which I did do ; I never got to deal with her after that time. Both card companies have been investigating my case ; I have been diligent in providing information requested and needed. Today, XXXX XXXX, XXXX, Citibank informed me they have finished their investigation, and decided I am responsible for all purchases, and all fines and interest while my balance has been holding in a conditional credit. I have kept every individual piece of information that can help show what happened to me. I have reported my case to my local police, state AG, FBI, FTC, XXXX, USPS Inspectors ( because I used them for shipping ), and XXXX ( because the original job alert on XX/XX/XXXX came from a contact there whose account was compromised ). With Citibank, the subject of this issue, I'm looking at at least {$8600.00} total, with unknown fees and interest to be determined ; this amount is for charges I made ( while thinking I was doing legitimate work and expecting legitimate reimbursement ) in XXXX of XXXX ( XX/XX/XXXX and XXXX to be exact ). Additionally, I have had account with Citibank since XXXX, have exceptional credit, had all of my credit paid off with nothing due, and haven't had payment issues or late payments ; nothing bad and an excellent customer until this happened, and I wish this could have been taken into account when Citibank closed my account on XX/XX/XXXX, and referenced " abuse of credit '' as a reason ( I have since been able to have an agent re-annotate this and reference my having been involved in a scam ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/XXXX, I purchased a fridge at Home Depot ( order XXXX ) located at XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX. In the contract, the new fridge was supposed to be delivered on XX/XX/XXXX. The delivery guys were supposed to unplug and take the old fridge to another room ( I explained that it would be the walkout basement ) and install the new fridge before they leave. Four guys came, their supervisor prevented the three to move the old fridge claiming that it's a commercial fridge. As Home Depot employees who knew my old fridge via pictures that I took there when I went shopping for the new fridge, my old fridge is not a commercial fridge. Anyway, on XX/XX/XXXX, I told them that if they can move the old fridge and install the new ones, then they have to take it back. Later that day, a Home Depot employee contacted me, I explained the situation. She said that Home Depot has a plumber they refer to their client ( XXXX from XXXX XXXX ). And this plumber was going to come and remove the old fridge, and install the new one. Because this plumber is not a Home Depot employee, the plan was that I would pay him whatever the charge to do all of these was going to be and take the bill to Home Depot for reimbursement. I thought this was a reasonable plan. I did not know it was a trap. The plumber even called me, and I felt : this is real. So, I accepted the new fridge on XX/XX/XXXX and they left it in the leaving room waiting for the Home Depot referred plumber to come and move to old fridge and install the new one. That never happened until today ( XX/XX/XXXX, over two months after delivery ). The plumber called me that one time before delivery, after that, I tried to call/text him in vain. He would respond to a Home Depot employee ( XXXX XXXX ) who had connected us. The response would be covid. On XX/XX/XXXX, XXXX finally came to my house with the hope that he is installing the fridge. XXXX was in my house for nearly two minutes, then he left without explaining why. I told him to at least write to XXXX and explain. I don't know what he gave them as explanation. Before, XXXX came to my house, I went to Home Depot trying to bring this issue to their attention. Once they said that someone was coming to install this fridge on XXXX the XXXX, but nothing happened that date. I made countless call to the store in vain. I looked up the store manager on XXXX. I got his name ( XXXX ) and start calling asking to speak to XXXX, the store manager. After many many calls, he finally called me back. He sounded like he was briefed of my situation. He apologized, and promised me to solve my issue within 48 hours. Unfortunately, nothing happened. After 48 hours he called me back again to apologize that he wasn't successful. He asked that I give him more time, and I did. We are entering into the 4 months since I ordered and had this fridge sitting in my living room. I am requesting that home deport take back this fridge as they don't have or can't find an installer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I made two payments through my Citibank checking online app XX/XX/ for the amount of {$110.00} and on XX/XX/ for the amount of {$900.00} to XXXX credit card, Citibank sent paper checks to XXXX and XXXX XXXX bank says they never received payment. Ive been back and forth with Citibank and XXXX bank for over a month to try and straighten this out. Citibank keeps telling me its paid and XXXX says they didnt receive it. Citibank sent me copies of the paper checks it has no payee endorsements. I asked Citibank numerous times to start a fraud investigation, it seem like they dont want to. I dont even think Citibank has called XXXX XXXX verify. Please help if you can
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32708
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
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: Problem Description : There were two charge of {$120.00} on my credit card account for a taxi ride which should have been less than {$5.00} dollar. I have called and reported to Citibank credit card and have opened the dispute. I have reached out to the company / taxi driver on the charge and they have claim it will be fixed. The charge was never corrected and I had ended up with two charges of {$120.00}. Once arrived back from a XXXX vacation, I have followed up the charge dispute along with request to get a new credit card cause i did not feel comfortable with such a fraudulent transaction. Initial dispute was filed on XX/XX/XXXX and another dispute was filed again on XX/XX/XXXX for both of the charges. XX/XX/XXXX XXXX XX/XX/XXXX XXXX I have contacted citibank repeatedly for the update and status of the investigation and the response was that it is currently being worked on. This process repeated through out the year even when I goto the dispute section it is showing conditional credit reversed and customer responsibility for both of the transaction. I have provided the documentation multiple times to the XXXX with the following references. XXXX XXXX Date Amount Description XX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXX Transaction Date XX/XX/XXXX XXXX Amount {$120.00} XXXX XXXX XXXX Fast forward, XX/XX/XXXX I have received a very first response from Citibank with a response from the merchant. I wasn't clear on what I was looking at because it looked like transaction detail with the two charges. Also attached to the email was the first letter indicating that citibank needed a response from me by XX/XX/XXXX and no later than XX/XX/XXXX to continue the investigation. Which was a surprise cause I have called multiple times almost daily to follow up on the transactions due to lack of details. This experience has ruined my confidence in our banking system specially on credit card uses which I thought was more protected. The fraudulent transaction happen during my vacation at XXXX XXXX to take a short taxi ride back to my hotel. The way citibank has handled the entire process is very questionable, where I didn't know what was happening with the fraudulent transaction. I have spoken with numerous customer service and fraudulent department folks, whom failed to provide any details. As a consumer, only thing I can do is to refrain my self from using the credit card which doesn't make sense. I just hope these type of experiences don't happen to other consumer overseas.. Then detail of the letter is follows. This letter concerns the transaction described below made with card number XXXX : Date Amount Description XX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXX We needed your response to our XX/XX/XXXX letter no later than XX/XX/XXXX in order to continue our investigation. Since no reply was received by this date, the dispute was closed. Please understand that Citi does not set these timeframes and we are unable to extend them or reopen a claim once this date has passed. We no longer have any options available to pursue a credit on your behalf through the dispute process. We regret that we are unable to assist you in this matter. While we realize your account may be in good standing, Federal Regulations require us to remind you that we may report your account as past due to the consumer reporting agencies listed below if we do not receive the minimum payment by the due date shown on your billing statement.
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I had my purse stolen with all my personal info, that i beleave was used to open up some of these accts and also placed a large amount of hard inquires on my report. I have been trying to get this address for a couple years now i have contacted all 3 credit companies and the other party, I have spent XXXX of dollars in certified mail send letters to both parties to be back at square one and nothing is being down. I also reported a car being stolen and having my personal thinks inside durning a move. I been suffer from idenity issuses since i was younger with a friend of the family was using my name ate a younger child age. Im now at a stand still stuck with all this stuff on my report and still no answers on how to fix them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 626XX
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A