Date Received: 2022-12-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX I contacted Macys to purchase a sofa and chaise. I called in online to speak with a representative after applying for credit through the website. A few things happened during that initial call. First, I confirmed with the sales agent, XXXX XXXX, that I would be receiving 20 % off of my purchase. She affirmed and said that the 20 % off would apply to the total purchase price of {$3000.00}. This did not happen and I was instead reimbursed only {$100.00} ( rather than {$610.00} ). Additionally, the wrong sofa was ordered. After numerous mishaps with delivery ( first delivery didnt happen because the item was damaged and refused, second delivery did not have the chaise, third delivery had the chaise in the wrong color, fourth delivery was accurate ), I was charged twice for the sofa portion of the order. This was a purchase totaling {$1300.00} with taxes and miscellaneous charges. My credit limit was raised manually back on XX/XX/XXXX ( which is why I had to call in originally ) to a total of {$3500.00}. By charging me twice for the sofa, I was put over my credit limit on XX/XX/XXXX and reported negatively to the credit bureau. When I received my first billing statement I noticed the overage on my account. I contacted Macys customer support ( Case # XXXX - XXXX ) and told them all of the details above. I was told that they would open a double charge dispute which will take up to XXXX billing cycles ( for a total of XXXX ) to resolve. I requested that the cease negatively reporting me to the credit bureaus and remove existing negative information and they refused stating they would not do so until the dispute was resolved. That said, I will now have upwards of XXXX total months of being over my limit despite not and the company refuses to correct this mistake. To summarize : Macys is incorrectly reporting me to the credit bureaus for being over my limit. Macys did not apply the correct discount to my initial purchase. Macys refuses to stop negative reporting and removing existing reporting until their arbitrary process to resolve my dispute is finalized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75023
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
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 purchased an airline ticket from XXXX for flight to XXXX via XXXX XXXX on XX/XX/2022 using Sears Mastercard Citi bank. However due to a negative XXXX test I had to cancel and reschedule on a different date. I was assured by the travel agency that I would be reimbursed. I flew to XXXX and came back on XX/XX/2022 and found that I was charged 3 tickets {$1200.00}, {$1100.00} and {$1100.00}. I called the travel agent and have complained about the charges, called the credit card company regarding the extra charge and they reversed the charges. However a month later, I get 2 charges back on my credit chard {$1100.00} and {$1200.00}. The travel agent claimed that this was for taxes even though they were supposed to reimbursed instead. I submitted proof of XXXX test and still to no avail and even the credit card company would not reverse the charges. It's been 6 months without resolution and I'm having a hard time paying the credit card for these erroneous charges I filed a complaint via XXXX and citi bank credit card charges me 28 % interest on those charges and still no resolution to this day. I'm hoping that this can be resolved through your agencies assistance. I filed complaint charges with Citi bank and until today XX/XX/2022 this issue has yet to be resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95834
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My Citibank credit card was closed by the bank based on what I believe was an error on their part. I had a monthly auto-pay amount and when I changed from one credit union account to another, I neglected to update the autopay source with my new account but did so as soon as I was notified of " declined funds '' from Citi. Though my source fund was updated on my Citi account, the autopay still had information from my previous ( now closed ) credit union account so the following month I received another " declined funds '' notice and my account was immediately closed by Citi. This was clearly a Citibank error ; I did everything to update my financial source information, and was able to use those funds listed as my source funding to pay my balance as soon as I was notified of the acct issue -- I even got one of the reps on the phone to remove the {$29.00} " bad check '' charge because she agreed Citi accounting was off. I have been unable to find out why my account was closed, and to subsequently be able to explain the Citibank mistake. Now my credit rating has plummeted, I lost over XXXX reward points I'd been saving up, plus City owes me {$29.00}, since my account has a credit for that amount. The last person I spoke with said I should " forget about '' this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98312
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been trying to dispute for years these credit card companies who's accounts where open in my name fraudulently. Ive reached out to them and credit bureau and still has remained on my file. cause great trauma to me and my credit score for years. the companies are. XXXX, XXXX, XXXXXXXX Best Buy, XXXX and XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Citibank offered a tiered bonus promotion with the deadline to open a new checking account by XX/XX/22. Please see uploaded files for terms and conditions of the promotion. Please note the date and time of promotion detail files. Timeline of my experience : XX/XX/22 Applied and Opened new Checking Account XX/XX/22 Deposit a check for over {$15000.00} in branch to satisfy deposit requirement XX/XX/22 Balance was maintained to meet the following requirement : " Maintain the required Minimum Balance** in your eligible account ( XXXX ) for an additional XXXX days from the XXXX day after account opening. '' According to the terms of the promotion, the {$400.00} bonus should have credited to my account at the latest by XX/XX/22. XX/XX/22 Contacted Citibank by phone ( XXXX ) to initiate a dispute Reference # XXXX. Rep mentioned that the investigation may take up to XXXX business days. XX/XX/22 Called for an update when not correspondence was received. Rep communicated that the investigation is still in process and could not say how long it will take. XX/XX/22 Called for an update and was asked to wait another week. XX/XX/22 Received a secure message letter - copy of letter uploaded as part of this complaint. Although not part of the terms and conditions of the promotion, the letter requested additional information. XX/XX/22 Received another secure message that the dispute was resolved. Simultaneously, the original XX/XX/22 message was deleted and replaced with the same brief message as the XX/XX/22 secure message stating that the dispute is resolved. I was not even given XXXX hours to contact Citibank and provide the requested information. Please see uploads of messages from Citibank as well as proof of my eligibility.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33067
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
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 made a purchase of {$85.00} at iXXXX on XXXXXXXX XXXX XXXXXXXX with my credit card issued by Best buy and operated by CitiBank, then I realized that the merchant is a fraud who disguises themself as a legitimate seller. After I made the purchase I never received any follow-up email that contains the order number or acknowledgment of purchase. I went online and read reviews about this seller then I realized that the seller isn't real and that it is a website operated out of XXXX. I even discovered other websites this seller uses disguised as a real seller. This transaction happened in XXXX and since then I have notified my credit provider about the issue. I also tried to reach the seller but to no avail, even as of now I am yet to receive my order or response from the seller. My credit provider has refused to take this seriously, they keep sending me letters to write in response to my claim which I have done XXXX now. They sent me XXXX responses stating that I am responsible for the payment. Their reason in the letter states that " You did not identify disputed transaction. '' After several phone calls and letters, I still have that balance in my account, and they are yet to explain to me how I am responsible and what the response of the seller was if indeed they contacted the seller for their own explanation of the transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/22 I noticed my credit debit card was declining so then I attempted to log on to my citi bank app and their webpage neither of it was letting me log in with my correct information I went in person to the bank and they told me that my account is closing but gave me no reason for the accounts closing my checking account has almost {$400.00} in it and my savings account has {$10000.00}! They are refusing to give me my funds and they are not giving me a reason for my account to be forcefully closing out of no where I feel like citi bank is scamming me out of my hard earned money this is causing me a hardship that I have no access to my funds they wrongfully are closing my account and telling me no reasonings for it! When I call and get in contact with fraud department specialist team all they tell me is that it could take 30 to 60 days to receive a letter in the mail and even then I wont have my money!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I disputed the unknown inquires and the company and the credit bureaus are refusing to remove them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I got a mail from Citibank with a reference number XXXX. Basically it tells my citi checking account will be closed. It didn't explain the reason but leave a contact phone number XXXX letter is generated on XX/XX/2022. I got it in mailbox after XXXX holiday. I called the phone number on file multiple times on XX/XX/2022. The representatives are really vague. They asked me to call different number to get transferred to corresponding department. I've been asked to call on XXXX, XXXX, XXXX, XXXX. It's endless loop to being transferred. Many agents give a number of XXXX named Security Team. But they are only open on Monday to Friday. I called them on XX/XX/XXXX, Monday. The representative tell me to go to a local branch to solve this issue. I did emphasis that it's a XXXX hours oneway driving from home to nearest local citi branch so that I don't want to waste time if going to branch won't change anything. He promised that the branch can handle my case and gave me the same reference number XXXX. I arrived in citi branch around XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. The banker also know nothing about my case. She helped me to contact customer support through internal line but still didn't get answer. I called the same number XXXX on my phone. The agent over phone saying it's not her department to deal with my issue. Based on her instructions, the banker find the description in citi system that my account with manual review and must be closed. Still I got no specific reason. I got mad because the fact Citi fooled me. They asked me to come to a local branch over the phone but to be proved just waste of time. I wasted hours of calling over phone and XXXX hours of driving round-way due to Citi 's fake promise. This is completely fooling customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24060
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, CITICARDS CBNA XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: VA
Zip: 236XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A