Date Received: 2024-01-12
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/2023 I placed an order at Macy 's web site Order # XXXX Rope Link XXXX '' Chain Necklace ( XXXX ) in XXXX Gold {$410.00}. According to Macys item was delivered on XX/XX/2023. I was never given a tracking number neither proof of delivering. I never received the item. Macy 's sent this email and closed my dispute : Dear Jose L Calle , Thank you for your recent inquiry. After careful consideration of your claim and after reviewing your order history, we regret to inform you that your request for a credit or order reshipment has not been approved. We value you as a Macy 's customer, so if you feel your issue has not been satisfactorily addressed, please email us at XXXX. Respectfully, XXXX A Customer Service Representative XXXX I believe Macy 's has a bias business practice with their Macy 's AMEX credit card in other words Credit Card protects Macy store interests while penalizing the customer in this case me, their refuse to credit back {$410.00} amount for the item I never received, their only answer is the case is closed. As a credit card user should be protected against a lost of item that was never delivered to me. I need your help to guarantee a fair resolution to this problem that will protect my interest as a consumer. To protect my good credit history I have proceed to paid for the amount of the item I never received, so for me a fair resolution will be for Macys to full refund me the amount of {$410.00}. Based on this this bad experience I will proceed to close my Macy 's AMEX credit Card account and stop doing any business with Macy 's as I believe Macy 's didn't look in account my best interest as customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: As part of debt consolidation, XXXX XXXX XXXX XXXXXXXX, XXXX ) sent a number of checks to pay off my credit cards, including my CITI Custom Cash credit card for {$2900.00}. All checks to each creditor were mailed out o/a XXXX XX/XX/XXXX, with all but CITI receiving and crediting my accounts by XXXX XX/XX/XXXX. By the end of XX/XX/XXXX, CITI had still not received/processed the check ( # XXXX ) within 30 days, so I contacted XXXX who placed a stop payment on the first check, and sent me a second check ( # XXXX, see attached upload ). On XXXX XX/XX/XXXX I mailed the second check to CITI 's " Express Payment '' address in XXXX, KY, with a receipt signature requested. The check was received XXXX XX/XX/XXXX in XXXX and signed for by XXXX XXXX. Several times over the last three days Ive spoken to numerous individuals in a foreign country who had absolutely no concept of the CITI " Express Payment '' processes or procedures. As of this writing, I've had to make two payments since the first check was mailed XXXX XX/XX/XXXX. CITI should refund both payments, with the interest they've gouged me for over the last 45 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 279XX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I went to apply for a Costco membership. My wife and I both wanted a Costco membership. The Costco Customer Rep XXXX XXXX # XXXX, facilitated the process on a touchscreen tablet that she flipped over to our side periodically for information input. She defined the process as the Coster membership application and stated she would do mine first and then my wife. I explained that my wife would possibly do the credit card but I already had several credit cards and in fact even had a Citi Card already. The Customer Rep continued what she explained was the membership application. Even my social security number, address, Photo IDs and salary was presented as part of the info set for the Costco Membership. The Customer Rep would flip the tablet back and forth for what me and my wife both thought was setting up a membership. The Costco Rep also took my phone and navigated in and out of apps and even closed apps during this process and I could not entirely see the whole process and this made me extremely uncomfortable. It was not until the associated said to look for an email, that I received the email but said this email is from Citi Bank and the Customer Rep said thats the Costco Credit Card and to that I responded, I did not want a Credit Card, my wife was potentially interested in that, but the Customer Rep said Well you can just add your wife later, when you get home - To that I responded I did not want a Credit Card at all, especially not another Citi Bank Card, because I already have a Citi Bank Card. The response to that from the Customer Rep was that I could call Citi Bank. So I did call Citi Bank and I called the number on the printout that Costco gave me XXXX. The Citi Bank Rep stated they see my Citi Bank Diamond Card but would have to transfer me to another department for the Costco account. Once transferred the Citi Bank Rep there stated they did not think they could cancel the card until I receive the new card. I stated that was unacceptable as I never made an actual authorization in the first place and asked for my signature to be produced. They escalated me to a supervisor. The supervisor stated I had to wait 72 hours to cancel and I asked to be escalated to make a formal complaint. I was sent to the Fraud department due to my statement of not authorizing the account. The Citi Bank Rep at the Fraud Department asked my issue and I said I never wanted the account and wanted it canceled, stated I had to wait 24 hours. I explained that I was first told I had to wait until the card arrived, and I was then told I had to wait 72 hours and now I am being told 24 hours. I then stated emphatically that I want to be transferred immediately to make a formal complaint with the CFPB - the Rep did not do that nor did he make an attempt to transfer me to an internal department to file a complaint. From the very beginning, the process of how the account came to be, still can not be shown to me, where I signed and authorized the creation of a new account and if one took place it did so fraudulently. The moment I received an email from Citi Bank I told the Costco Rep I did not want the card account for myself and I was simply told to contact Citi Bank and from the moment I spoke with Citi Bank, I was told an error is preventing them from closing my the Credit Card account and nobody allowed me to lodge a formal complaint. These credit card practices from Costco & Citi Bank are absolutely predatory and deceptive and the barriers in place for account cancellation is absolutely overbearing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I wrote a personal check to a XXXX XXXX XXXX XXXX XXXX XXXX for the company she worked fo. The amount was {$48000.00} on XXXX XXXX by depositing in their XXXX XXXX account. Once it went through the banks system XXXX XXXX refused to honor the check I wrote the company. I have and will attached those documents. The reason being " irregular '' endorsement of mine and XXXX XXXX would not honor the check. and would be returned to the maker, which was me. The attached letter was sent to the company the check was written to. They in turn was very upset and sent me a copy of the letter XXXX XXXX refused to honor. The letter was dated XX/XX/. I was so discouraged I nearly had a breakdown. The Managers from XXXX XXXX and Citibank were not very helpful except ran an account report. One said from Citibank said he has seen this kind of letter and it was not worth the paper it was written on and the scammers do that all the time. I want my money returned to me as it has been so long. I have been waiting way to long without the bank ( s ) real assistance. My XXXX XXXX XXXX XXXX has been impacted by this terrible situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92860
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
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 lost my wallet on XX/XX/2023 ( end of XXXX ) ( police report filed ) which included XXXX credit cards and IDs, I contacted BestBuy which I have XXXX credit cards with immediately before the purchases to cancel the old card and give me a new card with new numbers, they did what I said and I got the new cards but fraudelent charges still happened even though I had new cards and new numbers. I even got a call from Best Buy fraud department about charges and asked if I approved of them and I told them NO! I've been calling for the past 2 months and I still have a balance and they told me their fraud department takes 2 months to investigate the charges, I have been making the minimum payments and was told I would receive the money back for the monthly payments and the fraud charges ( total balance ) would go away. I called again today and the women told me the fraud investigation finished a while ago ( for a different best buy card ) and she is going to add the charges of {$1600.00} ( fraud ) to the investigation but I thought it was already been investigated 2 months ago! I just figured out they have been lying to me about making the monthly payments and I find that Best Buy Credit Cards are all a scam since every phone call is outsourced and sketchy,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33913
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I regrettably took a debt consolidation loan from XXXX. I had great credit and never missed a payment. Since XXXX is involved it has been nothing short of a nightmare. There are two creditors I am now having serious problems with. One is Best Buy. Never late or missed a payment. XXXX gave me some cashiers checks to pay creditors. I took one to Best Buy store at XXXX and XXXX XXXX, XXXX, Nebraska and handed it directly to customer service. I received a receipt paid in full. Best Buy is steadily harassing me wanting more money. I went to XXXX and they called CitiBank and tried to straighten it out. After standing there for about an hour right before XXXX and XXXX giving me a copy of cashiers check that cleared XXXX, I left hoping all is well. Turns out all is not well. I am still getting harassing calls demanding payment. I received them all through XXXX and XXXX XXXX. Got one yesterday on the way to work. Apparently after check cleared XXXX Best Buy reversed payment. How or better yet why did this happen? XXXX is tired of dealing with it and won't respond to me anymore. What am I to do? I did nothing wrong. But it is my credit that takes a hit. Also XXXX was supposed to XXXX XXXX XXXX directly. I gave them address. This did not happen either. I think XXXX is being XXXX XXXX XXXX XXXX XXXX XXXX still hasn't been paid. I also sent a payment of {$540.00} to USBank from wells XXXX on XXXX and on XXXX still no posting to account. Guess I will take a hit on that to. Everything was great until XXXX is involved. Where can I turn for help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68521
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: THIS WAS A CHARGE THAT I DID NOT DO. THE COMPANY IS XXXX XXXX ; THEY CHARGED MY SHOP YOUR WAY MASTERCARD XXXX XXXX XXXX XXXX FOR {$19.00} FOR A MEMBERSHIP I NEVER JOINED AND SHOP YOUR WAY, MASTERCARD CHARGED ME. I WAS UNAWARE OF THIS CHARGE, AND THEY CHARGED ME LATE FEES TOTALING TO XXXX XXXX I REACHED OUT TO MY MASTERCARD, AND THEY WAIVED ONE LATE FEE, BUT THEY SAID THEY ARE INVESTIGATING THIS CHARGE, AND THEY NEVER DID. I HAVE REACHED OUT TO XXXX XXXX, BUT THE PHONE NUMBER DOES NOT WORK. I AM 30 DAYS LATE ON THE CREDIT FILE WHICH I PAID AND IS UPDATED NOW TO PAID. THIS IS NOT FAIR I HAVE NEVER BEEN LATE ON ANY OF MY BILLS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90064
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XXXX I received a bill from my credit card company Shop Your Way ( XXXX ). On it was a charge for {$480.00} from a company called XXXX XXXX XXXX I IMMEDIATELY called Shop Your Way and stated I never made a transaction from them. Two wks later I called back. Was told charge was dropped and was issued a new card. I also asked verification which wasn't received. I used my new card which they sent plus paid off the majority of my due amount. With the next statement on my " new card '' the charge I didn't make was still on my account. I called the fraud unit back and asked for the phone number of that company XXXX XXXX. I tried several times and couldn't get ahold of them nor have received any correspondence from them or SHOP YOUR WAY. I told them to block my new credit card until I got some answers from them. Week past I called back and was told they closed my account. Now today I received a pin letter from them saying I was liable for the charge and if I didn't make payment they would contact the credit bureau. I HAVE NEVER EVER NOT MAKE A PAYMENT INFACT I HAVE PAID AHEAD. I called them back today and the fraud unit said they will reopen case when I asked her what did they find out. No given answer. I asked for her operator no which she couldn't give but was given this case number CASE # XXXX I am still wonder how that company got my new credit card or was it just SHOP YOUR WAY. To totally close my account after being a good customer is beyond me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54703
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: XXXX at Citi is familiar with my case. She can be reached at XXXXXXXX XXXX XXXXXXXX Citi never communicated with me about a negative balance of XXXX miles from XXXX years ago ( XXXX ) on my Citi AAdvantage credit card, so I was unaware of it. Due to this negative balance, my credit card purchases in XXXX - XX/XX/XXXX did not earn AAdvantage base miles. Therefore, I was disqualified from a XXXX AAdvantage bonus mile offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I paid out the account on XX/XX/24. XXXX gave a refund of {$31.00} on a few days later. I can not get my credit refunded of {$31.00}. Nor can I get a gift card for the XXXX, XXXX points that I had earned. Representatives kept hanging up the phone. Very nasty staff.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A