Date Received: 2022-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: There is a Macy 's account showing on my XXXX and XXXX credit report dated XX/XX/2014, for XXXX I don't know how this debt can show on my report exceeding 7 years. I've reached out to the company and they show no debt in my name yet it is on my credit report. I've tried to dispute this on XXXX and nothing has been accomplished. This debt is hindering my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am filing a complaint for my protection under Regulation E. I was scammed by an individual that pretended to be a financial advisor for XXXX XXXX XXXX. I was told there were three plans they offered. I chose the beginner plan for {$1000.00} on XX/XX/XXXX. After working with the pretend to be a financial advisor. I was led to the website to invest, where she walked me through buying process. I XXXX another {$1000.00} on XX/XX/2022. After these transactions, I received an email that my money was tied up with some minors in a different country, and if I wanted to get my money immediately, I had to pay another {$1000.00}. I received several emails from this company. ( Please see attached ). Desperate to get back my money invested ; I send another {$1000.00}. I waited, and I received nothing. I was contacted again by the financial advisor to send another {$1000.00}. I had to sign up with another investment company. This time I became suspicious that I was being scammed. So, I refused to send the money. I now knew for sure that I had been scammed all along. I contacted Citi Bank, where the initial two transfers were for {$1000.00} each. I also asked the financial advisor for a refund since I never received my investment. No response. I also told the bank that I was able to get the IEP address of the fake financial advisor. Even with the information, I was informed that they would not give me a refund. Since all of this, I have suffered severe economic pain. {$2000.00} is a lot to lose for me. I have the XXXX transactions saved and the written response from the bank. I also have an email from the minors in another country asking me to send more money before my funds are released. I understand this incident happened several months ago. However, I know many people have received a refund for XXXX transfers regarding a Scam. However, I was not one of those lucky individuals. Bank Information : Citibank XXXX XXXX : Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Dakota XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: My Citibank XXXX account got hacked. I tried calling the fraud department, the hacker redirected the call and knew all my information. The hacker knew my bank card and pin. I did not authorize the transaction, the notifications I received were fake through text and email. I tried explaining it to the bank, and used a different phone to try and contact them because I was not sure if my phone was still hacked. I have still not received a decision from my bank institution. I went to a bank branch and opened a new Checking account and ordered a new card. I am worried they will not return my money, this has never happened to me since I been a member since XXXX. I also submitted a complaint with XXXX and requiring extra security for consumers. I am submitting this request due to XXXX XXXX set by the Federal Government. Date : XX/XX/XXXX Amount : {$2800.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60148
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Please see complaint no XXXX My Citi online access hasn't been working for sometimes and I've contacted the company several time without getting any response. Their websites never work properly, there are so many issues from failing to response properly to other risks such as opening multiple accounts at once. I need immediate response as I have been on paperless mode for more than 5 years and now can't check my statement or make payment. I have sent Citi 7 emails to Citi XXXX XXXXXXXX XXXX regarding this. Prior to that, I was told what to do over the phone but it never worked and I sent the screenshot to them. I never got any response. Thank you.
Company Response:
State: OR
Zip: 97219
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
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: On XX/XX/XXXX, I made ONE purchase at XXXX XXXX XXXX for XXXX. When I received my XXXX billing statement, XXXX transactions were billed. I first called the merchant, who advised he only had record of XXXX transaction. I immediately filed a dispute online in their dispute center. I was initially provided with a provisional credit by Citi. A few weeks later, I was rebilled this transaction, stating it was authorised. The documentation provided as evidence was for the ONE transaction I authorized. I completed their request to sign a form attesting that I only authorized one purchase. I was then provided an additional provisional credit. However, that credit was reversed without any indication as to why. I reached out to Citi, without much resolve and was told to call. I did speak with a representative, who did confirm the merchant 's latest response was that I did in fact only make ONE purchase and the second is an error. She was not able to answer why I was rebilled and stated she would submit a request to correct. I received an electronic update, stating they were working with the merchant and his bank to resolve, yet the amount remained on my account. About 10 days later, a new billing statement was sent WITH the incorrect amount still on my account and a minimum payment requested. I engaged Citi again, was told it was still being worked on. XXXX ) Why am I in the middle of the merch, their bank and Citi? I should have been given the credit to may account. XXXX ) This was not resolved within the time frame allowed per Reg Z. My initial dispute was in XXXX. I received a billing statement in XXXX, XXXX and XXXX. That is greater than XXXX complete billing cycles.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57701
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Today ( XX/XX/2022 ) I tried to make a purchase with my Citi AAdvantage XXXX XXXX credit card. It was declined right away. After checking my remaining available credit I figured that it is too low for that purchase. However, the payment for the XX/XX/2022 statement was processed on XX/XX/XXXX which should have given me more than enough remaining available credit. I called Citi and tried to solve the problem so that they apply the XX/XX/XXXX payment to my credit card account. After almost 1 hour and thereof 30 minutes waiting for a supervisor I hung up. Then I called the company I made the purchase with to split the payment among 2 credit cards. Also that payment didn't go through because now it got flagged as 'fraud '. I called Citi again and had to go through a ridiculous verification process : they didn't accept both of my XXXX mobile phone lines ( no reasons given ) - one of them a company mobile phone, I answered all of their security questions correctly, but it still was not enough to verify it's me. Then they wanted another credit card, from another credit card company, to verify. I gave them my XXXX credit card and they called XXXX to verify me. After another 10 minutes they came back to go through every single purchase I made over the last 2 weeks. I think they unjustly deny access to my money which is not acceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19087
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: So I walk into the Macy 's store in XXXX XXXX XXXX New Jersey looking for cologne when a young lady approach me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after I explained the cologne I'm looking for she offers me a credit card I told her I had a good credit score of XXXX and that I would only allow her to do a soft pull she said she agreed several weeks later I get a letter in the mail stating why I was not able to get the car because I'm not using my other three credit cards enough which is not true one of my credit cards had a balance all the way up to {$800.00} that one has a balance of XXXX that I recently paid off so they're saying that I was not active with those cards which is not true and I have evidence of it I will mail you or text or fax you these information
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: 2022-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: An AC purchased from XXXX XXXX over year and half. Next day returned due to malfunctioning item. I was told it will be credited back to my Home Depot Card XXXX. A year later, a bill of the item has arrived with the charges, from that moment after today I called the Home Depot complaint depart.and in person at the store where was returned and never solved the issue.Today, I am in the middle of a purchasing a home but I'm getting close to be rejected due to this debt thats decreased my credit score. I spoke to two of the representatives from XXXX dispute dept. Whom can not expedite the process. I am begging you to please help me solving this uncomfortable issue, I'm getting afected financially due to lack of interest from the Home Depot store in processing each credit properly. The seller of the home I'm purchasing is giving me one more week to close the deal otherwise, I will be loosing some of the money I put down for it. I'll be waiting for your prompt response. Best Regards XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11355
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for credit card at Macy 's to purchase a sofa and it was denied. My credit score is very high with an rating XXXX with XXXX, XXXX with XXXX and XXXX with XXXX. I make XXXX figure salary and have low debts. Macy 's has denied my credit 3 times, 2 on XX/XX/XXXX and another one a few years ago. A few years ago my credit rating was not a strong so I thought that was the issue but obviously it is not that. I feel discriminated and insulted by Macy 's denial. I will not longer shop there but I do need to clear my name with Macy 's because I was very embarrassing yesterday. I had a credit card with Macy 's years ago and I have a copy when account was closed satisfactory if you like me to send you this, please let me know. I am a senior, XXXX woman asking for help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33166
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
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: Citi XXXX department is trying to close a case without even allowing me to upload supporting evidence. I've disputed an XXXX transaction where the door was broken and not lockable. I have taken video proof that the door is not working. The amount is XXXX posted on XX/XX/2022. The transaction is disputed on XX/XX/2022. For the next couple weeks, I have made XXXX calls to the Citi XXXX department as well as XXXX emails to give them as much details as possible and offering the video proof. However, they have never provide me a way to upload those videos. I was told that I will be contacted by the investigator, but i was never contacted. Not even a single reply from the XXXX emails I sent. Now, they are closing the case saying I did not provide any documentations, despite I offer those video evidence in all XXXX calls and XXXX emails.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94580
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A