Date Received: 2022-10-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: MACYS/CITIBANK, N.A. Company you are furnishing inaccurate and incorrect information to the consumer reporting agencies. Monthly Payment, Terms, Credit Limit, Past Due, Date of Last Payment and Activity, and Last Reported Date is different across XXXX, XXXX and XXXX, Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is clearly in violation for not reporting 100 % accurate. Also, Under 15 USC 1681 s-2 Says you MACYS/CITIBANK, N.A. company is a furnisher of information to a consumer reporting agency. You are the only data furnisher yet different information is reported. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. CITICARDS CBNA XXXX Date opened XX/XX/2016 Balance : {$580.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90266
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
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 filed a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He took all my credit cards and made unauthorized charges. I left my home in XX/XX/XXXX. I am homeless and living in a XXXX XXXX XXXX XXXX XXXX. He stole my computer, changed all the passwords, and emptied our marital account. I have police reports to support this. He has my social security card and my passport, birth certificate and marriage certificate. I am in court proceedings against him due to his XXXX XXXX XXXX XXXX the XXXX XXXX on XX/XX/XXXX. I froze my credit on 3 credit bureaus, called all my credit card companies to shut down and replace them. Citibank Sears, Citibank Best Buy, Citibank Bank, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, are all investigating but have refused to issue replacements and the fraudulent charges are still on my cards! Furthermore after not issuing replacements, the Citibank people are rude, nasty, and keep harassing me by phone and texts to collect on unauthorized charges, refuse to verify my identity, keep sending me letters, and refuse to help me recover my accounts. It is very frustrating to endure this financial terrorism at the hands of my credit card companies. Lastly, I have been proactively since XXXX called all my credit card companies to notify them of my identity theft but the aforementioned credit card companies have refused to even acknowledge my efforts to regain control of my identity, compromised emails, and compromised phone numbers. They are sending correspondence directly to the identity thief and abuser!!!!! Please help me!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2022 Citi Bank XXXX XXXX XXXX XXXX XXXX SD XXXX deducted {$14000.00} from my account to cover bal Tranfer check XXXX made out to XXXX XXXX but then stated the offer expired and interest was at standard APR so I paid {$14000.00} in full XX/XX/2022 to avoid interest. I received new checks valid for bal transfer so I wrote out check XXXX on XX/XX/2022 in the amount of {$14000.00} at zero % interest depositing to my own bank to cover payment I made XX/XX/2022 to Citi Bank in the same amount of {$14000.00} at this point I was notified by XXXX XXXX first check XXXX made out to them was rejected and returned, I called Citi Bank to find out why check XXXX was rejected and was informed check needed to be deposited in my own bank so it was rejected, I then asked why was the funds not still in my bank giving my a {$14000.00} surplus on XX/XX/2022 when payment was made by me and at this point they will not give a straight answer and continue to refuse to return funds for rejected check XXXX in the amount of {$14000.00} back to my account. I have called City Bank several times a week for over a month and every time they tell me to wait or money will be returned in 7 days or just hang up but as of today account still shows balance due in the amount of {$14000.00} plus bal transfer fee of {$720.00}. As soon as Citi Bank rejected honoring check XXXX in the amount of {$14000.00} on XX/XX/2022 and received my payment in the amount of {$14000.00} on XX/XX/2022 account would have surplus in the amount of {$14000.00} so check XXXX in the amount of {$14000.00} on XX/XX/2022 would have been refunding my own money leaving account at zero balance. Citi Bank refuses to correct their error..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 042XX
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Macys doesn't mail the credit card statement to charge late fees and interest. this is how they make their money. I was paying careful attention to the website, trying to figure out why I wasn't getting statements. i always opt for the statements coming in the mail. it is still the best way to pay attention to paying your bills. when I noticed Macy 's scam. there's a small checked boxed for no statements that pops on the screen. it's not obvious and can easily be passed by. it is very fraudulent and should not be automatically checked in by Macys. I am requesting all my money back. all late fees and all interest. they also should not be allowed to have an interest rate of 26.74 % I will attach screen shot.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06614
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I recently was in need of a new hot water heater for my home I went to HOME DEPOT to make that purchase, at checkout I was informed that if I applied for a " Home Depot credit card from Citi Bank '' that I would receive a {$50.00} credit on my purchase ( if I qualified ) for the " credit card ''. I agreed to apply & I in fact qualified for the " credit card '' ending in XXXX. Apon supplying my Contractor with the the hot water heater I purchased I was told that it was not compatible with the current wiring in my home. After reviewing with my Contractor hot water heaters that we're compatible with my home wiring I returned to Home Depot to exchange the hot water heater. During the exchange process I was informed that the hot water heater I needed was not in stock at that or any other Home Depot in XXXX. & that my only option was to return the non-compatible hot water heater & purchase the compatible XXXX online. I asked if the promotional offer of {$50.00} would still be applied to my account & I was reassured that it would be. Faced with no other alternative I returned the non compatible hot water heater. I choose to call & place my online order with a live agent just to confirm that this purchase would receive the {$50.00} promotional offer. I was once again reassured that it would be but I needed to call back to the same # I had just dialed to make my online purchase in approximately XXXX. When the purchase post 's to my account due to her inability to credit an account with a {$0.00} dollar balance ( as mine was ). She also reassured me that she thoroughly noted my account so that the next representative was aware of the situation apon my call back I thanked her kindly & ended the call. I called back approximately XXXX. Later as instructed to do after having to explain once again the events leading up to the call I was placed on hold in order for her to contact her supervisor for approval of the credit she was placing on my account. When she returned on the line she stated that her supervisor informed her that I could not receive the credit. I immediately requested to speak with the supervisor I was placed on hold while she requested her supervisor. A short time later a supervisor returned to the line & asked how she could help after once again repeating the events that lead to this point, emphasizing on the notes made to my account by the former representative regarding the credit and how I was insured I would receive it. I was once again told I would not be receiving the {$50.00} offer when asked why? I was told that it was a promotion for the purchase made at the time of the application ( which was never told to me at the time I applied ) I also informed her of all the multiple people that told me that since I returned the initial purchase I would still qualify for the promotional offer. I was still told I would not be receiving the {$50.00}. In total disbelief that I had be lied to mislead & insulted I requested that my account be closed as I would not do business with such a deceitful and misleading company. After I had confirmation that my account was closed I ended the call. I would also like to note that the above named account has since been paid off in full minus the {$50.00} dollars I was promised opon opening my account. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 954XX
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
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/XXXX, I logged in to XXXX XXXX ' website on my XXXX to purchase an airline ticket for my daughter. When I submitted the purchase, I received a " transaction failed, try again '' notice. I waited a few minutes, and tried again, with the same result. I was watching some TV, so I just continued to wait a few minutes and attempt to purchase the ticket again, for a total of XXXX attempts. All XXXX reported " transaction failed '' messages. I finally went to my XXXX computer in my office and successfully purchased the ticket. When my credit card statement came, I had XXXX charges from XXXX XXXX. I contacted XXXX to let them know of the website errors and the XXXX erroneous charges, but was told that because the flights were non-refundable, they could only issue me a partial airline credit. That was unacceptable to me, because I never believed that I was purchasing more than XXXX ticket due to XXXX 's website errors. Also, I had to use my partial credit within 90 days, which has now passed. I would never fly XXXX XXXX again after the way they've handled this. I filed a dispute with Citibank, my credit card company. After several months of back and forth, document sharing, etc., Citibank informed me today that they are unable to require the merchant to issue credit to my account. So I have now paid 7 times for XXXX airline ticket.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92887
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XXXX XXXX, my Citibank XXXX credit card was blocked for fraud report when trying to make a charge while I was overseas. I called in to try to unblock card but they weren't able to verify my identity over the phone, despite me being able to provide my details. Instead they sent a mailer to my home in the US which I had no access to. Instead, I had to use a different credit card from Citibank ( Citi XXXX ) which had a foreign transaction fee. This means I had to pay additional fees as I could not use my initial card ( which had no foreign transaction fees ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94607
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I made a wire transfer on XX/XX/2022 for {$20000.00}. I received an email confirmation from the bank that the wire was sent. The recipient never received it. Subsequently the bank told me it was held for compliance review. It has now been over 4 months and I can not get any meaningful response from Citibank. They tell me there is no person I can speak to and that they are under no time obligation to complete a compliance review.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a citi checking account online on XX/XX/2022 after receiving a promotion letter from Citibank. The promotion letter stated that I would earn {$200.00} to {$2000.00} cash bonus if I deposited {$10000.00} to {$300000.00} to the account within 20 days of account opening. By XX/XX/2022, I had successfully deposited {$11000.00} into the account through bank to bank transfers from my accounts with XXXX and XXXX. However, on XX/XX/2022 I was informed by email from Citibank that my account would automatically close within 60 days. I called Citibank 's fraud department for the reason but the representative could not provide any. I visited the local branch of Citibank near my home several times to seek help but the banker over there could not help much either. The banker checked my XXXX bank statement showing the record of fund transfers and also sent it to the Citibank 's fraud department. Up to today ( XX/XX/2022 ), my {$11000.00} is still being held by Citibank.
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: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A