Date Received: 2022-12-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: The company calls average 3 times a day every day XX/XX/XXXX:2 times XX/XX/XXXX : 3 times XX/XX/XXXX : 3 times XX/XX/XXXX 3 times XX/XX/XXXX 4 times XX/XX/XXXX 2 times XX/XX/XXXX 3 times XX/XX/XXXX 3 times XX/XX/XXXX 3 times XX/XX/XXXX 3 times XX/XX/XXXX 4 times XX/XX/XXXX 4 times XX/XX/XXXX 3 times XXXX 3 times XXXX 1 time
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92704
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: During Black Friday event I called macys to place an order for earrings I liked. During the call, I was offered to apply for a credit card with macys and get additional 20 % off. I agreed, applied for the card, was approved and submitted the order. I received a confirmation number and was assured that the order was placed. A week later I called back to check on the status of my order because I did not receive any emails or notifications about my order. I was informed that additional verification is needed. Completed the verification again ( same verification as when I placed the order a week earlier ) and was informed that the item is no longer available. After more than an hour of poor service and being hung up, I closed the card I just opened, because I could not get the item I purchased. I was also told I cant get the credit inquiry removed, because I agreed to it. The truth is, I only agreed to open this card for this specific order and to get the discount that I will never receive. The marketing of macys was misleading, which resulted in opening this unwanted account. Order number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55449
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602, states I have the right to privacy. 15 USC 1681 Section 604 ( a ) Sec ( 2 ), it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), creditor may not treat a payment on a credit card account under and open end 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: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602, states I have the right to privacy. 15 USC 1681 Section 604 ( a ) Sec ( 2 ), it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), creditor may not treat a payment on a credit card account under and open end 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: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I ordered a Brooks Brothers store Mastercard, issued by CitiBank replacement credit card after a fraud event and the card was lost. I ordered one replacement card that never arrived. After two weeks of waiting I ordered another after a call to their card services department. Three weeks later my card never arrived. Attempt # 3, I waited two more weeks for a card and it never arrived. I then finally received the card from Attempt # 2 and can not activate it. I am trying to do a balance transfer on this account and I can not be provided with my account number to do the transaction since they will not tell me over the phone despite being verified using multiple factor authentication. This is abusive practices under the UDAAP criteria the CFPB has published. 1. I can not avoid the injury since I am refused my account number even though I pass security measures. 2. I can not remove the balance on the card via transfer and have to pay interest while this balance is mailed. 3. I am denied use of my account since I have no access device. 4. I have reasonably attempted on numerous occasions to resolve this and my card never arrives timely. This includes using another house I own with a different address to ensure it is not an issue with the postal network.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74701
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
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 BANK BROUGHT IT TO MY ATTENTION THAT A PURCHASE WAS MADE ON A BRAND-NEW ACCOUNT THAT I HAD WITH THEM. AT THE TIME OF XX/XX/2022, IT WAS BRAND NEW. THEY INFORMED ME MY ACCOUNT WAS PAST DUE, AND I HAD A BALANCE. I EXPLAINED TO THEM THAT I HAD NEVER RECEIVED CARDS FROM THEM AND NEVER DID I ACTIVATED ANY CARDS. AFTER GOING BACK AND FORTH AND THE REP GAVE ME OPTIONS AND PROMISED ME THAT SHE WOULD HANDLE THE MATTER. SHE WAIVED THE LATE FEE, AND I AGREED TO PAY {$100.00} UNTIL THEY COULD INVESTIGATE. SHE ALSO VERIFIED THAT SHE COULD SEE THAT THE CARD WAS NOT ACTIVATED FROM MY PHONE NUMBER AND VERIFIED A NUMBER NOT ASSOCIATED WITH MY ACCOUNT ACTIVATED THE ACCOUNT. I IMMEDIATELY GOT UPSET AND REQUESTED TO REMOVE ALL CARDHOLDERS. SHE SAID THAT I WOULD BE ISSUED A NEW CARD WITH NEW INFORMATION. XXXX AND XXXX CAME, AND AGAIN THE SAME THING OCCURRED. WHEN I TRIED TO USE THE CARD IN XXXX, IT WAS DECLINED. CITI BANK SENT ANOTHER CARD AND GAVE ME THE SAME EXCUSE FOR 3 MONTHS. TO THIS DAY, AN INVESTIGATION HAS NOT BEEN COMPLETED. EVERY TIME I CALL THEM, THE CALLS ARE DISCONNECTED. NO ONE HAS NO UPDATES. THEY HAVE GIVEN ME THE RUN AROUND AND RUINED MY CREDIT. I HAVE NOT BEEN PROVIDED WITH NO DOCUMENTATION OF ANY INVESTIGATION THAT HAS TAKEN PLACE. MY ACCOUNT HAVE NOT BEEN CREDITED, NOR HAVE THEY RETURNED MINE OVERPAYMENT OF {$100.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07871
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: With Macy 's Credit Card they are showing late payments during XXXX I moved hadn't gotten bills and asked the to remove the negative and they haven't it's XXXX negative not payment history under 15 US Code 1666 late payment can be removed XXXX is credit Card that I didn't open o had a family member who live with during the time rhat cards were opened and they obtained my information and got the Card ran them up then left I need this removed as they have been Charged off with 15 U.S. Code 1681 C-1 Section 604 A and section 605 B C-2 the laws protect against stolen identity I would like to have them removed for employment purposes I work hard to keep my credit afloat
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08002
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
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 have continuously reached out to XXXX due to a charge for XXXX XXXXXXXX charged to my card XXXX ago that I did not authorize. I never signed for the promotion nor have I ever used it. XXXX XXXX found XXXX Citibank in violation in 2015 for charging the involuntary charges to accounts without authorization. Citi is in violation even after they were ordered to discontinue and repay customers. I have attached screenshots from XXXX XXXX that stated the violations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XXXX I got a home equity loan to pay off my CITI Bank Sears Master card. I got the check from XXXX XXXX via XXXX XXXX. Check number XXXX loan number XXXX amount of {$30000.00}. I was sent in to Sears at the billing address of Sears Credit Cards, XXXX XXXX XXXX, XXXX, Pa XXXX. Sears has never cashed the check and paid off my credit card. They are sitting on the check. I called Sears on XX/XX/2022, at XXXX, It is a call center. The lady said it takes 2 weeks to process the check. Since then they keep adding on interest to the bill. I called XXXX that issued the heck, I talked to XXXX, ( XXXX ) she said that they hold checks all the time, I asked if they could stop payment and electronic pay the bill. They cant do that, they need a physical check. So I am waiting So another XXXX dollars was added to the payoff. No credit card co should be allowed to sit on a check or hold it up in any way. Can you plesae get the Sears Credit Card Co. to process the payoff. Thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27530
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have another complaint filed with you against Citibank Wayfair credit card too!!!! They are STILL harassing me by phone and email!!!! I told them to " CEASE AND DESIST ''. Yet they continue to send me illegal emails saying they have updated my phone number as I asked, which I did NOT ask them to do, they are trying to trick me into responding to them!!!! Make them STOP CONTACTING ME NOW!!!!! They are breaking the FDCPA, sue them and shut them down!!!!! Enforce the laws!!!!! I have NEVER given them my authorization to contact me by email, and told them I did not want to be contacted by phone either, ONLY by MAIL!!! Now I am telling them to " CEASE AND DESIST ALL COMMUNICATIONS '', because they are obviously ignorant and do not respect boundaries!!!! Nor do they follow the laws!!!! Make them STOP!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 628XX
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A