Date Received: 2023-04-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In response to letter sent to me by Macys in reference to account ending in XXXX ( closed ) dated XX/XX/2023. This is a Request for an Opt Out of Macy's/Citibank . I want the company to stop sharing my information and to stop them from violating my consumer protected rights according to the FCRA to include but not limited to 15 USC 1681a 2 ( A ) ( i ), 15 U.S. Code 1666b, and 15 U.S. Code 6802.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20817
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In response to letter sent to me by Macys in reference to account ending in XXXX ( closed ) dated XX/XX/2023. This is a Request for an Opt Out of Macy's/Citibank . I want the company to stop sharing my information and to stop them from violating my consumer protected rights according to the FCRA to include but not limited to 15 USC 1681a 2 ( A ) ( i ), 15 U.S. Code 1666b, and 15 U.S. Code 6802.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20817
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In response to letter sent to me by Macys in reference to account ending in XXXX ( closed ) dated XX/XX/2023. This is a Request for an Opt Out of Macy's/Citibank . I want the company to stop sharing my information and to stop them from violating my consumer protected rights according to the FCRA to include but not limited to 15 USC 1681a 2 ( A ) ( i ), 15 U.S. Code 1666b, and 15 U.S. Code 6802.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20817
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On Friday XX/XX/2023, I was approved for a Macys Card online. After calling into XXXX XXXX XXXX I was told again by a supervisor on a recorded line that the Macys Card was approved. Then I asked her what was the credit line the Macys Card was approved for, and she told me it was approved for {$3000.00}. I asked her twice. The first time I could not hear her. Please go back and listen to the recorded call. Today ( Saturday XX/XX/2023 ) I call to place an order and they tell me that the credit line was only approved for {$500.00}. Was I lied to by the Macys Credit Supervisor? The supervisor knows she told me {$3000.00}, why would she not call me back or send an email or text or phone call and let me know that she lied and its only {$500.00}? What a way to treat your new card holder! Why the misinformation / disinformation? Where can I get accurate information from Macys? Is this what it is to look forward to from Macys? Please listen to the recorded call. Please make this make sense.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77089
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
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/XXXX, my daughter made an authorized payment on my Citi bank card for {$980.00} to be put on a waitlist for concert tickets with XXXX XXXX XXXX. On XX/XX/XXXX, my card was charged and the tickets went through. Originally, I did not recognize this payment as it had been months since my daughter bought these tickets and I am 65 years of age. I called the credit card company mistakenly thinking this was fraud. They gave me a temporary refund of {$980.00} under investigation. After speaking with my daughter, I realized this was our legitimate purchase and called back to have them reverse the credit and cancel the investigation. On XX/XX/XXXX, the {$980.00} was reinstated. In XXXX of XXXX, my daughter and I called XXXX XXXXXXXX XXXX to see where our tickets were. They said that after the initial investigation by our credit card company, our tickets were canceled, and we would no longer be receiving them. Having realized this, we called the credit card company to let them know this, because we had still been paying for these tickets ( plus interest ) for all of these months. Citi bank told us to get in touch with XXXX XXXX XXXX. XXXX XXXX XXXX told us we had to go through our bank. This went back and forth numerous times, and it was absolutely impossible to get a response from Citi Bank. Each time, we were taking through the ten minutes of speaking to a robot before we could speak to a human, since they never gave us a case number or anything of the sort. Each time we spoke to a human, they had NO recollection of anything that happened. No information was taken, and we had to re-explain the entirety of the situation each and every time. Following this, they would then reconnect us to Security, Fraud, Disputes, Customer Service, and Billing - all who had no knowledge of the situation. This is where the beginning of months of physical and mental efforts to get our money back for items that we never received began. Citi Bank told us that this item could no longer be refunded or investigated since it already had been, but would other times say the money had already been refunded. Looking at my statement, this money has clearly not been - and we've done the math countless times to prove this. At one point, they made my credit card payments for two months {$0.00} - clearly not taking care of the issue. On XX/XX/XXXX2023, I was refunded {$74.00} in interest, still not being fully paid back, but proving that something is wrong. They refuse to give me my money back in full. Additionally, the bank app will not allow us to see statements past XXXX of XXXX, therefor it's nearing impossible to keep track of what has happened. When we ask the bank to see past statements, they tell us they do not keep record of them- which can not possibly be true. I have screenshots of my statements, emails, and countless reference numbers now of the events that have unfolded. At this point, it has been nearing a year of psychological stress and physical efforts to get my money back for items that I did not receive. Attached, you can see emails sent back and forth with XXXX XXXX XXXX, ones sent to Citi bank ( that were never answered ), and statements showing in XXXX refunds, then reinstatements, that were never taken away.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07731
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have applied for a loan from a XXXX XXXX over the phone in which I was connected with a loan agent that would be able to assist me. We both went through the logistics and procedures of obtaining the loan. During the process, I authorized and consented my lending agent to have access to my account in order to make incremental loan deposits to my checking account. We both went through the thorough and specific process together as my agent assisted me with the loan deposits. They explained to me that by sending these incremental deposits for me to return and send to their agents for verification through the XXXX feature, they were trying to see if they could expand my credit on their behalf to issue me my loan through direct deposit. I was advised over the phone that by being sent these temporary " test deposits '' and returning them through various contacts of which are their loan officers for verification, they wanted to determine if Citibank would consider these transactions fraud or suspicious. This process went on for a few days until I finally contacted Citibank to ask why my account has been blocked and I wasn't able to access my checking account online. They directed me to the fraud department and connected me with a representative who was incompetent enough to explain to me VAGUELY why they decided to close my account without any warnings, notifications, and communications regardless of how much I told them that my activities were of my own responsibility and that I give consent to my lender to have access to my account, as the citibank fraud representative nonchalantly and brainlessly responds back to me with how it's one of their policies to not disclose any information on reasons why they think those deposits were fraudulent. I tried everything in my power to negotiate with them and explain how important it is that they would unblock my account so I can have access to my attached credit cards, but it was too late since they impulsively decided WITHOUT MY PERMISSION to close my account anyway. They were stubborn and reluctant to explain to me into detail of how they would determine if the checks were " invalid '' after reviewing them very late and refusing to explain to me ( a customer ) why it's a " scam '' because it's one of their policies not to " disclose '' that information. Afterwards I contacted my independent freelance lender to confirm if every process we went through over the phone was legit and they indeed acknowledge that. They were willing to offer me solutions to lend me money alternatively instead through XXXX XXXX, since my checking account had been blocked and deferred for CLOSURE by decisions made on behalf of the Citibank fraud department. I've my had one of the many worst customer service experiences ever with Citibank and I seriously think the CFPB should do an investigation into their company for authenticity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20886
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Citibank XXXX employees in their XXXX Department has racially profiled me because I am a XXXX woman! Citibank declared me Deceased unlawfully because I am alive! Citibank stated that Impersonating a Deceased Relative! Citibank has falsified my account records! I applied for my card using my name, date of birth, social security number, address, and cellphone number! I am not impersonating anyone! I am XXXX XXXX! Citibank sent Police to my home based on my Race and to have me killed by the Police to justify their XXXX lies that I am deceased! Citibank ongoing harassment is based on my Race and gender as an XXXX American woman! Citibank has discriminated against because of my Race! Citibank made false accusations against me. Citibank is still harassing me! Citibank closed my credit card account based on my Race and because I was shopping while being XXXX! Citibank has caused me tremendous financial damage by their XXXX profiling and discrimination based on my Race and gender! Citibank has falsified my account notes to cover up their ongoing business practices of targeting XXXX customers and causing XXXX customers financial harm! The latest racially motivated discrimination incident on XX/XX/2023 by Citibank against me is that they sent fraudulent documents to XXXX stating, XXXX XXXX is deceased and that all my credit was obtained because Im impersonating XXXX XXXX a deceased relative. I am not deceased! I am XXXX XXXX. This is racism at the highest levels! Only a XXXX XXXX can declare me as being dead! Not Citbank! Citibank has refused to reissue me a working credit card because I am a XXXX customer! Citibank is destroying my credit and continues to discriminate against me and still refuses to stop their ongoing harassment and abuse towards me because I am a XXXX American woman! There is a call made on Saturday XX/XX/XXXX in which Citibank CSR stated that Account was opened by impersonating a deceased relative! Thats a blatant lie! I am XXXX XXXX I applied using my name, date of birth, address, social security number and cell number! Citibank stating I am deceased is their racism and their decision to sent Police to my home in false accusations was to have the Police to kill me because of my Race as a XXXX American woman!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/, I wrote a check against my Citibank , N.A . checking account to pay XXXX XXXX XXXX XXXX XXXX the sum of {$160.00}. Late in the evening of XX/XX/, I discovered that this check had been materially altered to be made payable to someone named XXXX XXXX and the amount payable increased to {$8900.00}. That evening I called Citibank to alert them of this problem. They promptly sent me a XXXX of XXXX XXXX XXXX to complete and I immediately completed the form and emailed it to the designated Citibank department at around XXXX. on XX/XX/XXXX. I learned just yesterday that although the check had only been posted to my account on XX/XX/XXXX, Citibank has only attempted to make a late return of the item to the bank of deposit, XXXX XXXX, and that it might take up to 65 days for XXXX XXXX to investigate and resolve this matter, and that until then nothing could be done with respect to my claim. This delay seems to be wholly inappropriate and abusive. It is readily apparent from looking at the check that it was wrongfully and improperly altered and there is no legitimate business reason for delaying the acceptance of my claim.
Company Response:
State: NY
Zip: 11758
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: We purchased the card from Macys in the amount of {$400.00}. Used it once for {$67.00}. There should have been a remaining balance of {$330.00}. Somehow balance was adjusted to {$0.00}. No other transactions were made and card was never lost. Submitted a claim to their gift card claims department XXXX months ago and have recieved XXXX help or resolution even when represented by a store manager trying to assist. Everytime we call they say they we will recieve an answer within a certain timeline and never once have they followed through. We want the balance restored and all we get is a runaround. The card was intended to use for holiday shopping so not only did we give macys money up front for the card we then had to spend more out of pocket since that money is essentially frozen. There is no department within macys that holds the gift card department accountable either we have tried and nobody will help. This experience makes me never want to deal with Macy 's again and I will be certain to tell everyone I know about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93063
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2022, XXXX XXXX ( XXXX XXXX ), using the XXXX XXXX XXXX system, sent an application XXXX No. XXXX to the XXXX XXXX, XXXX, XXXX for execution in the amount of USD XXXX to the address of the recipient XXXX XXXX XXXX XXXX XXXX in XXXX. The funds are transferred according to the details specified in the application. Due to the introduction of international sanctions against the XXXX XXXX from XX/XX/2022, transactions in foreign currencies are limited. XXXX The payment was returned by the CITIBANK N.A. XXXX XXXX, NY. ( the XXXX XXXX XXXX XXXX XXXX XXXX ) without execution. Currently, funds in the amount of USD XXXX are on the account of CITIBANK N.A. XXXX XXXX, NY. Please provide the date and reason for blocking funds for the transaction XXXX : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A