Date Received: 2023-01-11
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: XX/XX/2022 for my graduation I was buying shoes from macys when the man at the counter told me I was getting a gift card from the store that I could use to pay for the shoes. I put it my information. A few months later, I realize it was actually a credit card as now I am getting calls from a collection agency??? My credit is shot as I am applying to law schools, I can not even buy my own apartment because of this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: The Citi Dividend XXXX XXXX, like many other cards, offers 5 % cash back on merchant categories which change quarterly. Each quarterly offer is in effect for three months. Typically customers can activate each new offer at least 15 days BEFORE the quarter begins. Sadly, for multiple quarters, Citi has kept customers from using the full three month offer by delaying signup availability until well after the quarter begins. Today, XX/XX/XXXX, Citi 's signup page at https : //www.citi.com/credit-cards/dividend-quarterly-offer still displays the offer that ended XX/XX/XXXX, despite multiple refreshes using different browsers and platforms. My wife has noticed similar delays every quarter for at least the past year. This despite the claim on the attached screenshot that registration opens XX/XX/XXXX for the quarter beginning XX/XX/XXXX. Unlike other card issuers, Citi also states in the fine print that " the offer starts within two business days of when you enroll '', potentially further extending any delay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I have 5 hard Inquiries on my account that I am no aware of. I tried contacting the merchants with no success. Macys/citibank, N.A XXXX XXXX Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Citibank XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98023
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I have 5 hard Inquiries on my account that I am no aware of. I tried contacting the merchants with no success. Macys/citibank, N.A XXXX XXXX Citibank XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Citibank na/thd XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98023
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Other features, terms, or problems
Subissue: Problem with cash advances
Consumer Complaint: THE HOME DEPOT APPROVED ME FOR A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) AND ON THE APPROVAL LETTER ITS STATING THAT GIFT CARDS CAN BE PURCHASED WHEN I RECEIVED MY PERMANENT CARD ( XXXX ) IN THE MAIL. THE HOME DEPOT IS TELLING ME OVER AND OVER VIA PHONE CONVERSATION THAT MY ACCOUNT CANT BE USED FOR GIFT CARDS. THIS IS A VIOLATION OF MY CONSUMER RIGHTS WITH ARIZONA LAW AND FALSE ADVERTISEMENT ON THE COMPANY BEHALF.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am the properly authorized consumer and I am submitting this dispute on my own without any third parties, with the intent to not be discriminated against for exercising my rights and applying the federal laws put in place to protect me the consumer. On XX/XX/ a certified notice was sent to Best Buy Credit Service in reference of a billing error. Best Buy Credit Service failed to clarify the billing error, but instead used aggravated identity theft with extortionate means for the collection of an extension of credit. Please see attachment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: someone I know has taken my social security number and is trying to open bank accounts, and credit cards as me. she has also take cards i already have and called the credit card companies saying the card has been stolen and they are changing the addresses to her address and sending the new cards. i realized this when i went to use a card and it was declined and i called the company and they said we are sending a new card to a new address. the phone number was also changed on the account so all notifications go to her cell phone. i have frozen my credit on all 3 places but there are still accounts open that are in my name that aren't mine and it's a little overwhelming to call them all and get this straightened out. the fact she keeps doing it is even more frustrating, the police have been notified but there wasn't enough information for them to do anything, at least that's what they said. she tried opening a bunch of accounts in XX/XX/2022 and i have a list on my XXXX account that they couldnt flag as fraud and close because accounts were active with those addresses. she has also tried to open accounts in my son 's name and im worried she may have also tried to get my mother, and might go after my other son and husband, also who knows who else she has been doing this to...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80026
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I owed Best Buy retail services ( Citibank ) {$53.00} due XX/XX/XXXX. They received my payment XX/XX/XXXX. They charged me a {$60.00} late fee! I called and tried to have it waived as I have been a long time customer. The first person- said it was against policy and there was nothing she or anyone else could do about it. She finally sent me to a supervisor ( after I held for 10 minutes ). This person kept reading from a a script- was obviously in another country due to the 5 second delay in the conversation and she read from a script too- she waived {$30.00} of the {$60.00} but failed to see the inherent unfairness of a {$60.00} late charge on a {$53.00} invoice being 1 day late. If in the process of paying the bill- I overpaid- it would take 3 MONTHS for me to get my refund! Process and policy were the answers. Worst customer service Ive experienced in 45 years of having credit cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06824
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Debit card gets put on fraud block and i can not use it for anything, support refuses to verify me under the basis that the number isnt in my name under public records however, me making a purchase on XXXX is what tripped the fraud system
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Received a new letter for an increased amount of XXXXXXXX Citibank in IL closed my DC account, and still has yet to respond to my initial complaint. This is harassment on a person with disabilities. This is also not acceptable due to my status as a federal public official ( past ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A