Date Received: 2023-02-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have contacted Macys numerous times over the past few years and let them know that I paid my card and closed it, and I no longer have access to that address that was listed there or two that card. I was totally took it off and it hasnt been taken off and its been roughly 2 years I need them to remove it because this is starting to become a nuisance and its messing with my
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10312
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I had been a Citi Costco cardholder since XXXX with a {$6500.00} credit line and spotless payment history through XX/XX/XXXX when I lost the 2nd of 2 jobs and a combined income of {$150000.00}. Despite this, I continued to make payments on all debts including this credit card despite moving all my finances to another bank. Unfortunately, while looking for new employment and helping care for my mother and father in XXXX and XXXX, I got the payment account and deposit accounts for my unemployment mixed up and I bounced 2 payments for the credit card. Accordingly, Citi closed the account in XXXX ( by letter ) without any stated, implied or verbally communicated opportunity for explanation or mediation. Accordingly, I let the matter go given the priority of matters. Three plus months later, I called in to inquire about the status of my rewards certificate and the recording advised me that my reward was forfeited due to the closure of my account. No rhyme, reason or explanation, just a harmful and reckless theft of rewards that were based on valid purchases during the year. I called and spoke to a supervisor who advised that the 90 day window for review and possible reopening of my account expired in XXXX. So, I have no job, unemployment benefits have expired and the almost {$900.00} I was planning on has evaporated. It's yet another example of a financial company that coldly, unsympathetically and egregiously takes from those most vulnerable when they need financial assistance the most. I could really use your help. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I was in a no interest promotion with my citibank - Best Buy Visa card for zero interest. A new charge hit my card, and they started putting my payments NOT on my promotional balance, but on the other balance. Therefore, making themselves more money because the promotional balance wasn't paid off by the date where interest would accrue. Of course, due to this, they ended up making over {$600.00} in interest from me. In the past, I had the issue with them on another promo and I emailed the told them that I wanted my payments to go towards the promotional balance first. They made the change. Again, when I noticed this time, it wasn't going towards the promotional balance, I emailed again to request it. They didn't, and then that large fee. I feel like they intentionally do this so that they consumer in the end gets in trouble. They state that they put payments towards the balance gaining interest, but how does that even make sense? Why would anyone rather pay towards a balance creating a small amount of interest and as a result end up paying 100 's of interest on the promotional balance not paid. My promotional balance would have been paid off before the end date. They just want to make more money off the consumer, and it shouldn't be legal. These huge corporations that take government money, end up ripping off the consumer and it's unfair.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02780
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
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 created a dispute ( XXXX ) with Citi credit card for our transaction with XXXX XXXX as they gave us dirty damage and unhygienic room in XXXX XXXX XXXX We booked the hotel in 4 start but the room they gave us was very dirty and damaged, see like its a run down hotel, we tried to change it whene we were in XXXX and also follow up with on duty XXXX XXXX holiday team with all the pictures, but they also fail to help us So when we get back to USA we created a dispute with XXXXty bank credit card, but they refuse to follow up with XXXXXXXX XXXX and closed the dispute even without trying to help or follow up with them. They closed the dispute with comment that, i am disputing the inconvenience due to the quality of the services, but that not a true In XXXX XXXX there are Start Categories defined for every hotel in the world and when I booked the holiday package, I booked the room for a family in a 4 star hotel and paid a premium rate for it. As per XXXX XXXX holiday website that Hotel was a 4 Star hotel So this is not an inconvenience, but this is considered as Cheating and Fraud to customers, where they assigned Cheap, Dirty, Unhygienic and Damaged rooms when we paid the money for a family room in a 4-star hotel category
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08053
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states, a consumer reporting agency, can not furnish account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on the credit card account under an open and consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78572
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The debit from Wayfair is showing as in collections on my credit report. Date Open is stating on XX/XX/XXXX, XXXX creditor -Wayfair for the amount of XXXX. I contacted wayfair once I seen it was on my credit. They stated after investigation that they didnt show that anything debit or account was listed under name and information. They then sent me a documentaion on XX/XX/2020 stating that they terminated collection and have indeed do NOT have a balance nor any debit with them. I have the orginal documentaion available.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Deposits of checks and cash on several occasions inside the bank with the teller and I was not provided a receipt with the total deposit information. When I requested the slip with the total, I was told by the teller it would take a day for the money to be reflected in the account. I understand that the total should be on the statement and it also should show that estimate of the total even if I will not have the access to the money until checks have been cleared which usually takes a couple of days but the total should be on the receipt but the teller told me that was not the case. I have contacted the back because when I access the statements online it did not reflect the totals that I have deposited which I think was a mistake. I when directly to the back and talked to the teller and the bank manager and they stated that they could not access the account. I had my daughter come to the bank with me to help but they did not provide us with the statement right away. The back manager told us that he could not access the account and would call us back the next day because he would have to contact the main office. The system was not down but gave him the benefit of the doubt. The statement he provided 24 hrs later did not match what I deposit and the cash total was not recorded. I ask if he can provide us with the information on the cash deposit and what type of bills were deposited and he did know how to. I am asking to get a video or an investigation to find out what happened to the cash that was deposited as this happen several times both in my savings and checking accounts that are connected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94306
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Citi Bank. XX/XX/XXXX on my XXXX Credit Report Citi Bank - XX/XX/XXXX on my XXXX Credit Report I have not ever applied for a Citi Bank Card. I have requested a copy of signed aoplication for cerification or removal. I have disputed theough voth credit bureaus to no avail
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I bought a gift card a few years ago and the expiration of the card was not explained or notified on the front of the card. Apparently when I tried to use the card they stated that the card should have been used in the first two years and it is not valid. My argument is that Macy 's was to build a retail store in XXXX and never did. I would have to travel to XXXX or XXXX to use the gift card and when I decided to use it it had expired. This was news to me and I was given a e-mail address to raise my complaint to and I have done so 4 times and have not been given a response by Macy 's. This is the fourth time that I have contacted you to resolve the complaint below on my gift card. XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32208
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I needed to make a large purchase to pay an IRS tax bill that was unexpected. I signed up for a My Best Buy Visa Card which had a promotion that for 18 months there was 0 % interest. In order to pay for this charge I had that was substantial, I called their customer service. I was told on XX/XX/XXXX at XXXX XXXX during a call to customer service ( call duration 15 mins 18 seconds ), that it would also qualify for 0 % interest. The only reason we made this purchase was because we were told that it would qualify. I also had to pay an additional 3 % in order to make this large purchase due to credit card fees from the IRS. We would never have done this if we weren't told by the representative that it would qualify for the 0 % interest promotion. I realized this happened on XX/XX/XXXX, XXXX XXXX, and spoke with their billing fee dispute department. They promised me that they would review the recorded call from that day. I was told the process to review recorded calls can take a significant amount of time, so I waited patiently. To avoid accruing further interest, we paid off the balance that was causing the interest charges, and only didn't pay the interest fees assessed to our account. Our final interaction was on XX/XX/XXXX when I had not been contacted by Citi or Best Buy. I called at XXXX XXXX on XX/XX/XXXX and was told that they can not comment further but that they were not going to adjust or credit the account for any of these false charges. I paid the remaining balance accruing interest on XX/XX/XXXX. I truly hope that there is some sort of protection for people who are abused and lied to by credit card companies. What I was told and promised on the phone by a Citi representative was false, I had to pay these interest charges, and would like to be reimbursed for all fees/interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A