Date Received: 2023-02-14
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Dear MACYS/CITIBANK, N.A. ( XXXX XXXX XXXX XXXX, OH XXXX Phone ( XXXX ) XXXX ) ; I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/2019 ; XX/XX/2019 ; XXXX XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, being hospitalized with COVID, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Fraud charge on XX/XX/XXXX in the amount of {$3900.00} to XXXX XXXX XXXX TX Notified credit card company on XX/XX/XXXX at the same time that the credit card company notified me of the suspicious charge. New credit card was issued. Credit card company dismissed fraud dispute after claiming they were unable to contact me with additional questions. After searching phone records and emails i was unable to find any contacts from the credit card company. Re-Initiated Fraud dispute on XX/XX/XXXX. I was informed that I should make a police report of the fraud and was referred to this website by law enforcement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 961XX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Acounts open since 2015 macys XXXX XXXX XXXX XXXX car insuranse my XXXX report show me all this debts
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07522
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I opened a checking account with CITIBANK on XX/XX/XXXX. XXXX maintain 80 days qualify {$2000.00}. Need to fund within 20 days opening. I can withdraw money after 80 days but maintain account another 30 days. I had been noticed no {$2000.00} appeared in XXXX. I Went to the branch in XX/XX/XXXX / XXXX. XXXX tellers told me to wait around XX/XX/XXXX. No {$2000.00} credit was shown, so I went to the branch and talked with the banker I opened account with. She told me I should have gotten the money last year. She submitted inquiry, and told me to wait 7 to 10 business days. I asked her if there is some kind of componsation on being late. She said no. And, she gave me inquiry #. But, I can withdraw money. So, I spoke to general managet and she said, she will personally follow ap and call me. I withdraw $ XXXX and left a penny in checking account. There is no phone call from XXXX. Phone call do not go thru. I have been calling customer service many many timed. And I was told to wait 2 more days, next week. Now, 30 days, 90 days. I asked if anyone is working on this case. Now, they till me becuse of promotional case, it will take longer. I am so frustrated on their attitude. Some, they simply hung up. Case ID XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92604
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: XX/XX/23 I tried to cancel my credit card by phone. They kept transferring me to different people all asking for the same information over and over again. I only called to cancel the credit card with a zero dollar balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84084
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Citi bank sent a notice without reason that they were closing my brokerage account then sent 5 more letters closing all of savings, checking and CD accounts. All sent within the last 2 weeks. Again no reason why the were closing the accounts. I have had an account with Citibank for over 40 years with no issues.. I have called the bank, visited the branch directly and sent emails and to date no one has responded including my relationship managers or the branch managers. No reason was provided for the closing of the accounts. I have 3 XXXX 's with an 18 month maturity with a prime interest rate which they are closing a well. I can not get that rate in todays market and still have 16 months until maturity. I should be compensated for the loss of interest if they want to break the XXXX 's without my approval. Is Citi overextended on the rate and will make it convenient to close my account and others that fall into my same situation? I have been told from the branch accounts are being closed without reason. That can not be fair to the consumer.
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: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Problem with customer service
Subissue:
Consumer Complaint: On XX/XX/XXXX, XXXX and I went to Macys XXXX for shopping the following : 1 : One dinning table with 4 chairs 2 : one SOFA 3 : one bed frame with nightstand The Salesman is XXXX XXXX XXXX ( His phone extension XXXX ext. XXXX ) and he helped me to choose a pretty satisfied threXXXX pieces with the chosen colors for SOFA and Bed ) However when the furniture delivered in early XX/XX/XXXX, the colors for the SOFA and the Bed are not the ones I told XXXX to purchase. So Macys delivery returned the SOFA and BED to Macys and I asked XXXX to re-write the sales order for me with the correct colors. At that time, XXXX told me that the BED sales price has increased by $ XXXX and he asked me to pay more with my Macys credit card and promised me that Macys XXXX give me a refund of ~ {$350.00} check in mail. Right now it's already XXXX XXXX, XXXX and I never get the refund check from Macy in the mail. I tried numerous time to contact XXXX for the issue, I sent him several emails and tried to talk to him by phone for days and weeks. I spent hours and hours on the phone but the last time XXXX said that he submitted to the customer service for the {$350.00} refund and I should be getting the money soon. However I never get it. I am filing this complain since I do not want to spend endless time on this issue and I believe that Macy should investigate this and get back to me for the refund ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92127
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I unfortunately fell for a scam call and used XXXX in three debit transactions total in {$2500.00}. The three transactions were sent to three different accounts that I never had transactions before while there is no warning or limit appeared. I realized the call was a scam in the midway and call Citibank right away, but was told nothing they can do, not even helping me to stop payment within short time after the transactions. I made a fraud claim to Citibank few hours later and provided details of the scam call as well as mentioned that I have filled the case in police station. On XX/XX/XXXX, I received a letter from the bank saying that it was unable to reimburse me and I called the fraud line to follow up. I was told that there was not enough supporting so I was asked to fax in the police report via its branch. I did that but on XX/XX/XXXX, I received a letter from Citibank asking me to solve the problem with the merchant instead. I called again to explain that this was a scam not something with merchant and I also re-emphasized the police report I fax in. On XX/XX/XXXX, I received a letter denying my claim again. I made call again to initiate dispute and in the multiple communications, I was asked to email and mail in the supporting documents, which I did both actions. I also requested the copies of the information used in the investigation for three times since XXXX but never receive anything. On XX/XX/XXXX I received another letter saying denying my claim. I really appreciate any help for me to communicate with the bank to make my case as this is obvious a scam. I dont feel the protection in my banking relationship and dont think there is enough respect to customer as the only sentence the bank kept sending is we maintain our position to deny your claim. More importantly, I believe I am entitled by law to obtain the information used in investigations. But there is not transparency and respect on this specific piece of law.
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: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: {$5.00} debit charges on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from checking account with a pending transaction on XX/XX/XXXX to XXXX. XXXX XXXXXXXX XXXX XXXX is indicated as the payee. XXXX has confirmed by voicemail to me that no charges were initiated by them. This was conveyed to my bank, Citibank and upon their investigation declared the charges valid. No proof was offered. 3 charges were temporarily rescinded, but now Citibank is rescinding the return. I explained to Citibank that previously I had an account that paid utility bills with the name XXXX XXXX phone # XXXX XXXX XXXX, but it was terminated in XX/XX/XXXX. Citibank continues to charge {$5.00} each month
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94553
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Overview You're currently using 0 % of your account 's limit. Balance {$0.00} Credit limit $ XXXX Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Payment History Last payment XXXX XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Paid Type Credit Card Responsibility Individual Remarks Payment after charge off/collection Canceled by credit XXXX XXXX XX/XX/XXXX days late XXXX XXXX XXXX. XXXX, XXXX Overview You're currently using 0 % of your account 's limit. Balance {$0.00} Credit limit $ XXXX Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mo ) Payment History Last payment XXXX XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Paid Type Credit Card Responsibility Individual Remarks Payment after charge off/collection Canceled by credit XXXX XXXX XX/XX/XXXX days late XXXX XXXX XXXX. XXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11364
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A