Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid of my balance, however they charged me some INTEREST FEE, without my knowledge, because I enrolled in paperless billing since my account was satisfied. Only for me to check my consumer report and notice MACYS has reported this information to a third party reporting agency without my consent and knowledge of and fees due. This is extortion and a violation of fair debt collection practices. According to 15 USC 1666b Timing of payments. Macys and their registered agents are for accurate information. This information is not accurate. I was returned a check for their error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11553
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
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: Case ID XXXX Name XXXX XXXX XXXX Macys Credit card # last XXXX digits XXXX Total amount {$440.00} Police Case # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX Order made online at XXXX XXXX # XXXX. on XX/XX/ According to Macys, merchandise was left at a secured location, but the tracking numbers stated was supposedly left at the front door. Is very disrespectful for macys to blame me for their mistake by wanting to charge me a merchandise never received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I continue to be charged variable fees for a program called XXXX XXXX on my Citibank card. I never signed up for this program.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95822
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I settled my accounts with XXXX XXXX XXXX ( citi cards and XXXX CBNA ) I paided them in full with Interest..Interest they agreed too XXXX to XXXX in Interest and they still after XXXX yrs will not remove it from my credit report as a matter of fact they added something with no explanation to my report from XXXX and XXXX with no explanation I want there's things removed and removed now I hired a law firm to help me with not much results so I'm appealing to your organization to help me this is unacceptable it's been way too long for them taking advantage of me theses banks agreed to repayment amounts and after XXXX yrs they won't remove the Laws need to change for the consumer not the banks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93292
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
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 was scammed on XX/XX/2023 for {$490.00} by someone impersonating XXXX XXXX, ( XXXX ) saying I had to pay this fee to keep my original flight home from XXXX or be forced to fly ten days later. After speaking with the real XXXX XXXX, I realized immediately that I had been tricked and disputed the charge with my Costco visa at Citi Bank on XX/XX/XXXX, explaining it was a scam. I cancelled the card and got a new one. The charge on their system said XXXX XXXX XXXX XXXX TX, but I was told by the real XXXX XXXX that nothing the scammer told me was true, that their charges end with the reference code 660, that XXXX would never charge for a change they initiated, and I would have received an email with a receipt for the fee, none of which occurred. Three weeks later, on XX/XX/2023, Citi Bank emailed me with the good news that my dispute had been resolved in my favor. Your {$490.00} conditional credit is now permanent. There's nothing else you need to do. I was greatly relieved! For details, it said, please click here. I was curious to see how it got resolved so quickly. Generally, it takes up to 45 days at Citi, if the merchant doesnt reply, to get the dispute resolved. But there was no explanation, just dates. The next day, I got another email, saying Action Required! It said there was a message that might require my immediate attention! I looked in my account notifications and found only a blank page with a link in the middle that said in large letters Withdraw Dispute. I didnt understand. Why were they prompting me to withdraw a dispute with a scammer that was resolved in my favor, for which I was given a permanent credit? The only reason I could come up with, was it was a formality to finish the documentation, as when a complaint or bad review results in some compensation or explanation from a hotel or other business and they ask you to remove the complaint from the XXXX or XXXX review. Not suspecting anything, and given no warning or explanation, I clicked on the link, but immediately had doubts and called Citi customer service right away to see if that was a mistake. It was! I explained that I had no intention of reversing the dispute, and explained for the tenth time that it was a scammer, impersonating XXXX, and there is no way I would want to give the money back to him. The friendly woman explained that yes that was a common mistake. but she would take care of it. The next day, I got another message, telling me that they had received my communication, stating I needed to reopen this dispute, but that the money had been returned to the merchant and there was unfortunately nothing else I could do! I was furious!! Apparently, the woman with whom I spoke did not take care of it! I called Citi and complained and was told my complaint would be sent to Investigations but it would take approximately 10 days before I heard back. After waiting and worrying for 10 days, I finally got another message, saying that it was irreversible. Again, I called and asked to speak to a manager or someone with authority who could help me. The woman listened very patiently, but could only offer to send my complaint back to investigations again with another 10 day wait. After 10 days, I got another message that it was irreversible and threatening to report my account as past due to the credit bureaus, if I didnt pay the minimum due. I researched this online and found many people have had similar problems with Citi Bank. ( They have 1.6 out of 5 stars on XXXX XXXX ) My options are to file a complaint with the XXXX XXXX XXXX or file a suit in small Claims court, one requiring up-front payment of approximately {$250.00} and both taking up to 6 months to conclude with an uncertain outcome. I will cancel my Costco Citi credit card after receiving my Costco rewards certificate in XXXX. Considering many people are getting scammed ( XXXX XXXX impersonator ) and tricked ( Citi Bank ) out of much more, I consider myself lucky to have learned a valuable lesson about todays world.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 804XX
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I pulled a credit report in some credit cards are on my report that I have no clue aboutXXXX XXXX for XXXX. Citi for XXXX. XXXX XXXX for XXXX. XXXX for XXXX. And a car loan for XXXX. I have no clue about these accounts
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am Best buy store credit card holder since long time. Last year on XXXX I found some fraud activities on this card. Some Phone of worth {$270.00} was purchased. I reported the same to Best buy ( card issuer ) and CITI Bank ( card company ) and they asked me to File a case with Police as well which I diid. Best buy case : XXXX Police Case : XXXX I have gone to store multiple times to get video footage but they never shared with me. Police Officer called me and discussed everything and told me you are the victim and a fraud happened with you. I shared all these details to CITI Security team but they sent me letter that they don't see any Fraud happened and you are responsible for the payments. They asked me to provide addtional info to further investigate it. I asked CITI back to provide me detail investigation report which they never shared. I asked them that IMEI number showing on Receipt can be tracked and that could lead the case which they never went forward.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78249
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: See comments in previous page.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 577XX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I XXXX XXXX am writing in regards to inquiries on my credit report that I did not authorize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I purchased a certificate of deposit with Citibank which matured in XX/XX/2023. They told me multiple times my check has been issued. I've also contacted them for more than XXXX times. No representative really understands my issue and they just kept telling me they will escalate the issue or the check will be received by certain dates. It has passed their promised due dates a couple of times but I still have not received my fund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98034
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A