Date Received: 2023-02-07
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: On XX/XX/XXXX I called Sears Shop Your Way Credit Card services for a couple of tasks. First, I called to make a payment using the XXXX. I also wanted to update my telephone on file because I needed to activate my new card that was expiring at the end of the month. The XXXX transferred me over to a person to change my telephone number. The man that received my phone call was not a pleasant person but that didn't stop me from wanting my information updated. He had me on the phone for nearly an hour placing me on hold off and on. He said he couldn't change my number because he wasn't sure that it was a real telephone number and that the system wouldn't let him. He called me from another phone line to test my number without telling me that he was doing that until after I rejected the phone call the first time. After I answered while still being on hold, he proceeded to tell me that it was him just making sure. Once he did that, he said he was able to change the number on file. I found that odd but didn't think much of it. I also requested that he change my preferences of electronic billing to mailed paper billing because I told him I am unable to login online because the constant system errors so therefore I can not pay my bill online but I needed a paper copy so I could call in the XXXX with the minimum amount due. The XXXX doesn't state the minimum if you're making a payment unless you press the option for account details. He agreed to doing so all the while having a tremendous attitude. So I rest assured that he fixed my issues so I could continue doing business with this company properly. In XX/XX/XXXX, I had to call AGAIN with the same issue to change my phone number associated with my account because obviously it wasn't done. Today, XX/XX/XXXX, I called the XXXX to check my progress and the system said my account was closed. After calling and speaking with XXXX representatives, the supervisor told me that my account was closed at the end of XX/XX/XXXX and they have no record of me speaking with anyone in XXXX, only with the XXXX. Frustration overwhelms me because of the situation that I am being put in because of a vindictive employee. I asked the XXXX if their system automatically enters notes when a customer calls. She said that it is required by employees to make notes but it is not automatic. So now, I am left with a closed account on a credit card that still has a balance. I don't use it because of the high interest charges but I still want the account open because I use it at least once a year. I was now planning use it and now the account is closed. I find it odd that even after I called again in XXXX to change the number that the rep in XXXX couldn't do, the representative didn't even inform me that the account was closed. What is even more alarming is that every month that I make the payments, the system never mentioned that my account was closed. It's not until now that the XXXX says my account is closed. How is it that from XX/XX/XXXX through XX/XX/XXXX, the XXXX never mentions my account is closed? Now the XXXX says it is closed. I have questions that were not answered especially because the phone call that I made in XXXX is not even registered. I will be gathering information from XXXX XXXX XXXX to document the phone log of that day to show I called the company. The company is : Sears Shop Your Way by Citi. Phone number : XXXX. The complaint number is : XXXX. It's not that I feel I have been treated unfairly. But I followed protocol demanded by this company, however, their employee didn't do their job and now I am out of luck. I have a closed account with a balance of XXXX that had a XXXX limit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: 995XX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Macys Amex charged a {$2.00} fee that was reported 30 days late. This has greatly harmed me. I am a XXXX XXXX XXXX and I lost tons of points because of this fee that I had no clue I was being charged. I am never late. They upgraded my account to macys amex. They also just upgraded me to platinum. They encouraged me to go paperless billing so I was unaware about this {$2.00} fee that I acquired. I charged and paid off what they showed as full balance and never knew I was assessed this {$2.00} fee! A couple months later I charged again and paid off the balance again and unknowingly paid the {$2.00} fee that was assessed at that time. I recently got a notification from my credit bureau that I had received this 30 day late and tried to fix this with macys but they are not willing to help. This has been a very stressful situation. It has harmed my credit massively. I pay all my bills on time. I have been a very good cardholder with them and have never been late before or after. I never even received late notices from them regarding this issue. This is clearly bad communication on their part especially when I have been a loyal and responsible consumer to them. I am beside myself with such unfair treatment. I feel extremely manipulated and harmed by their company and I would like this 30 day late removed from all 3 of my credit reports. They obviously have XXXX problem harming their responsible customers. It was a {$2.00} balance not a {$200.00} or {$2000.00} balance. If I was aware I would have paid this immediately! I hope that this can be rectified and that they put better communication into place. I am losing sleep over this whole fiasco. Credit is not something I take for granted. This has harmed me beyond measure. I just hope this gets taken off all 3 credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92506
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Dear CFPB, I am writing to bring to your attention a recent dispute I had with Citibank regarding my credit card. Despite my efforts to resolve the issue through their customer service, the dispute was not approved, and as a result, my credit card score took a hit. I am submitting a complaint to your institution to seek a resolution. I have a XXXX payment history across all my credit cards and have always been a responsible and prompt payer. I believe that this dispute was caused by a mistake on Citibank 's end, and I am deeply concerned about the impact it has had on my credit score. I would like to inform you that I had repeated experiences of being cut off in the middle of conversations or text chats with Citibank 's customer service. This made it very difficult for me to resolve the issue, and I feel that my attempts to do so were not taken seriously by the customer service agents. I do not have the text transcripts as proof of the situation, but I am confident that Citibank was in the wrong. I kindly request your assistance in investigating this matter and helping me resolve it in a satisfactory manner. Thank you for your time and attention to this matter. I look forward to hearing from you soon. Sincerely, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60614
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have reasons to believe that Macys/ Citi bank violated my rights under the the fair credit act and/or violated rules and regulations of the XXXX when processing ACH payment. I was never informed of problem with the ACH payments. In a previous complaint my concerns were ignored and problems were confirmed that showed that Macys billing statements had errors and I was over charged {$25.00} with {$4.00} of that false claim interest fee. My records reported to the Credit bureau had on time payments and not one missed payment 6 months in a row. Emails confirming payments and not one alert of a return payment or missed payment. I was charged {$21.00} on XX/XX/XXXX for a XXXX debit payment placed on XX/XX/XXXX amount {$29.00} bank reference # XXXX. I was charged twice {$2.00} fee for interest on a {$0.00} balance. This error is shown on the end of year billing statement showing {$25.00} ytd fees and {$0.00} ytd in interest fees. What happen to the {$4.00} false interest fee? This was first brought to customer service in XXXX of XXXX when a balance of {$10.00} remained that I felt I did not owe. Billing statement prior to XX/XX/XXXX were viewable on line. And I had to request these statements and receive them XXXX of XXXX. Macys put in a blank dispute in XXXX when I called customer service. This is the mistake that Macys can not deny and was reported several times and on record. Macys/ Citi Bank billing statement under account transaction - XX/XX/XXXX payment {$16.00} and XX/XX/XXXX payment reversal {$16.00}. Citibank Client Services XXXX XXXX XXXX XXXX XXXX, SD XXXX Citi bank statement Personal checking account Balance as of XX/XX/XXXX was {$31.00} XX/XX/XXXX ACH Electronic Debit MACYS ONLINE XXXX XXXX {$16.00} To After payment Balance {$6.00} XX/XX/XXXX Returned Insufficient Funds - ACH Txn {$16.00} I provided a copy of bank statement to show the funds left account and it was reversed without notifying me. This was in dispute but Macys continued to report and charge fees. XX/XX/XXXX I paid {$16.00} instead of the {$110.00} that was being charged on an over charge {$10.00} balance. Macys continue to bill late fees on {$0.00} balance and interest. My account was reported close although it shows in dispute with {$100.00} credit limits zero balance.
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: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Date : XX/XX/XXXX To XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Washington DC XXXX Dear Sirs, Sub : Discrimination of Citi Bank towards credit card application Ref : Credit Card Application No : XXXX I applied for a credit card ( Citi Advantage Platinum Select XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and I got a letter from Citi Bank XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX ) stating that my card application is declined based on the credit report, 1. Your credit report shows a high amount of unused credit compared to your available credit lines. 2 Your credit report shows you have recently opened one or more accounts Then I contacted XXXX credit agency and I received a copy of my credit report. I checked the Credit report and found that I did not open any accounts in the last one year. There was not even any single inquiry after XX/XX/XXXX. Also, I understand that in order to improve my credit score, I should always keep my credit card usage under 2 %. Instead of appreciating my lower usage of credit lines, they used it as a reason for declining my card. Even the credit agency ( XXXX ) can not find any account opened in my name. Even I called the Citi Bank customer care and after transferring so many agents, spoke to XXXX and she said I should contact XXXX. I told her that I already did that and since the denial letter from Citi Bank is absolutely wrong, I informed her they discriminated against me In order to prove that declining my credit card application is an act of Discrimination against me, I applied again on XX/XX/XXXX and as I expected they declined my card saying the only reason as multiple applications for credit. They did not mention anything about the false reasons they mentioned in the first declining letter I am sure that somebody sitting in their office is doing purposely may be because of my XXXX origin. I have excellent credit score with XXXX and XXXX. Never missed any payment for any credit card or loan If they have no plan to give me credit card, why they are sending me the offers and putting hard enquiries to my credit file so that my score will be decreased. Based on their advertisement saying that I will get 50,000 miles after spending {$2500.00} in the first three months, I applied for the credit card I want you to intervene in this matter and ask them to 1. Immediately withdraw their inquiry sent on my credit file which negatively affected my credit score. 2. Tell them not to run my credit in future without my consent and never send any more offer letters or advertisements to me 3. Since they treated my credit file misused give me a compensation of {$500000.00} at the earliest and I was never declined by any other Banks. 4. In fact I did not apply by myself. XXXX XXXX invited me to apply as I am one of their frequent flier number holding person I am attaching the two letters received from Citi Bank declining my credit card application and you can see the reasons for declining my application are baseless. Hope you will look into this matter seriously as there should be some standard norms in approving or denying the new credit cards to bona fide citizens or United States of America and they should give me the correct reason behind declining my credit card application I need justice in this discriminating action by Citi Bank at the earliest. Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX Email : XXXX Tel : XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60101
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I was scammed by someone trying to impersonate a worker from XXXX. On Sunday, XX/XX/XXXX, my XXXX account was hacked and I had no access to my XXXX account. I took it upon myself to contact XXXX customer service and called a number provided by XXXX. I clicked on the XXXX website and called the number provided XXXX ( XXXX ) XXXX. Someone by the name of XXXX XXXX stated that my XXXX account was hacked and someone was impersonating me by trying to sell XXXX through my XXXX market place. I was provided with a text message stating the XXXX transaction details, along with a message impersonating my Bank. I contacted my bank on XX/XX/XXXX stating there were unauthorized transactions from my XXXX account which came to a total of {$7000.00}. I filled a dispute for 2 XXXX payments made to a " XXXX XXXX '' of a total of {$2500.00} and 2 Wire transactions made to coinbase of a total of {$4500.00}. My bank sent me a letter stating they were not refunding me for the 2 XXXX payments while the wire transactions are still under investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10029
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. Best regards, I remain
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. Best regards, I remain
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. Best regards, I remain
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: CITIBANK had closed my account, and issued me a check for the remaining balance that was left on my account before being closed. The check issued was stolen, and the bank issued me another check XX/XX/2023 in which one of the phone tellers advised me that, the check should arrive in the mail no longer than 10 business days. And I yet have not received anything in the mail. So this is making very inconvenient for me not having my money available to me. As I could of paid any of my bills with that money, and yet the bank wants to delay in giving back the money that is mine. And this is not the first time, this has happened to me with this bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91766
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A