Date Received: 2022-10-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, In XXXX, my Macy 's credit card was closed with a XXXX balance due to inactivity. Fast forward to XX/XX/XXXX, there was a default listed on the account for {$4.00}. This {$4.00} charge was not reported to me at any point within the timeframe of XXXX. There were also no defaults listed on any credit checks during those times when I purchased a car, or applied for other loans. I called Macy 's on four separate occasions to resolve this issue to no avail. Since the account was closed, they could not even locate me in the system. I was hung up on twice. The final time I called, Macy 's advised me that they would be " zeroing '' out the charge since it was so old. I asked them to not do that as I wanted this to be resolved correctly. I filed a credit bureau dispute with XXXX and when I received the findings, XXXX concluded that Macy 's was " reporting the information correctly ''. Funnily enough, Macy 's made changes on my report that show the date the delinquency was first reported was in XXXX. This date was *NOT* previously on the report. In other words, they are retroactively covering their tracks. I appealed the dispute and the XXXX representative understood my reasoning and added specific timelines and explanations to the appeal. I just received the appeal findings and the initial results remain.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02472
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
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: This is regarding a transaction dispute with case ID XXXX in the amount of {$250.00}. Credit card company is Citi. Date of original purchase XX/XX/2022. Date of dispute XX/XX/2022. I purchased a refundable air ticket with XXXX XXXX and within XXXX hours of purchase I contacted the merchant via phone for the ticket cancellation and a full refund. Per the cancellation policy the merchant stated that they would issue a full refund back to my credit card. However after XXXX months Citi still didn't post the credit on my account. Therefore I opened the dispute for the full amount of the charge. XXXX responded to the dispute by providing Citi with sales slips showing that they had issued the full refund of {$250.00}. However Citi determined that I was responsible for the charge. I disagreed with the decision and submitted additional explanation through email, which Citi received but didn't reverse its decision. I believe this was clearly an error made by Citi, but in the phone call the dispute department of Citi refused to reopen the dispute for further review.
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: 2022-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: my original credit card with universal card account was used somewhere else in the US by a person who did not have my card or permission. there was a XXXX balance at the time. when i received a bill i called the card company and told them about the fraudulent charges of over {$3000.00}. They closed that account and issued me a new card with the promise of an investigation. I received the new card and put in in my safe until the problem was resolved. Then the new card was also used in a fraud. The card issuer canceled that one and issued another. When it arrived i did not activate it. From the beginning of XXXX till now i have spent over 5 hours on the phone with universal card fraud Dept. trying to resolve this issue. Each time they say it will be taken care of and to call back in a week. Now its XXXX and the problem remains. Universal card knows the purchases were made at a Best Buy in another state. They claim the store has no record of the purchase. only that it was probably made there. The store asked for no id nor was there camera footage of the sale.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Citibank violated 15usc6802 also known as the Gramm-Leach-Bliley Act, they never sent me the required disclosures, of which would've given me the ability to opt out of having my non public personal information furnished to third parties.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: In XX/XX/2022 received a promotion for miles if open a citi miles ahead savings account and 25 % bonus on citi advantage credit card if maintain 10,000 in savings account with 20K miles after having account open after 90 days. I called after 90 days to see why my credit card not getting the extra bonus miles and they said they will review but got a letter saying saving account did not qualify for cash bonus did not see this letter since on main website in XXXX and go through app that does not notify you so called in XXXX to follow up and found out about letter asked where to send promo they only said I have to mail it and said can't I email or fax they finally gave me a fax number so faxed it then got a notification letter now that I am checking website they could not read it so called and got an email, so emailed it. Today called and they said the back office rejected it without explanation of why. So need help since supervisor was unhelpful after escalated call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75038
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I know credit is my right and I also know that reporting to consumer reporting agencies are voluntary. I did not consent to it, this was involuntary. I did not consent to that report, this is a private transaction. I received an adverse letter from the application # XXXX, Citi XXXX # XXXX. The denial that I received from Citi was unfavorable to me and that is why this is adverse, but nothing under the definition that XXXX has provided for adverse action, 15 USC 1681 ( k ), gives you the right to deny me credit, which is defined by 15 USC 1602 ( f ), my right as a consumer. I credited this transaction as a creditor, as defined under 15 USC 1602 ( g ), from my credit card, 15 USC 1602 ( l ). And in turn created a creditor. As a person, as defined under 15 USC 1602 ( e ), Citi is an organization, an organization is not a living natural person. Further Citi has violated 15 USC 1602 ( p ), unauthorized use of a credit card. Citi did not have actual, implied or apparent authority to use my credit card from which the cardholder, myself, received no benefit. I tried to resolve this matter with Citi, and they denied. I have attached their response to this complaint. I am willing to let all of this go if Citi does the right thing and reverses this decision.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
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 a credit card with Citibank Citi Cash Card. Citi bank made a mistake on their billing. They charged me twice for the same debt. I called them and they insisted there were no errors. This has been going on for 4 months, they did not send me any information about my dispute.These people still owe me {$1800.00}. I have not received any information with details of my real debits, the last statement dated XXXX XXXX a balance of {$2000.00}, according to my bank statement {$1800.00} was entered twice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14221
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Deposited {$5000.00} into new checking account approx 2 years ago. No activity with the account until XX/XX/22 when I contacted customer service to make sure the check I was writing would not bounce because of the inactivity. They told me my account was restricted. I was on the phone on XX/XX/22 for 1 hour and 20 minutes trying to get the account unrestricted to no avail. On XX/XX/22 I made and received 4 calls for a total of 58 minutes when I was finally told the account was unrestricted and I also sent by XXXX an additional {$3000.00} to this account so I didn't go below the minimum to avoid fees. The check I wrote was for {$2000.00} as earnest money for a real estate transaction and I was informed that the check bounced. On XX/XX/22 I spent another 40 minutes trying to find out why they bounced the check and again no real answer but I was finally told the account was unrestricted. However, on XX/XX/22 I tried to send money through XXXX and the transaction was rejected by Citibank for no reason. There are no physical branches in Michigan where I can try to get help. Each time I call the customer service they just say they are checking, sorry for the wait, please hold for a few more minutes, and they they come back and repeat this same sequence. I am pretty sure I am not talking to anyone in the U.S. and I wonder if any of this is legitimate. I want my money NOW and want my account closed because I will never do business with Citibank again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48239
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Someone is putting their shipping address for purposes of using my store credit card for their own purposes. They are shopping on my credit card. I continue to delete their address and I got back the following day and check my account again and they put their address in their again. I contacted my store credit card companies and they reissued me a different credit card. However, they continue to do this. I don't have any resolve and I don't want to totally cancelling these store credit cards. With XXXX, Macys, 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: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Citibank closed my bank account on XX/XX/XXXX. I opened an account with them on XX/XX/XXXX. The deposit was from a lawsuit settlement. I went into the bank and received a cashiers check then soon after I tried to purchase car insurance and my card kept declining. I called the bank they told my they had terminated their relationship with me with no reason to explain. They said they funds that were in my account were blocked and I am unable to access them for 30-60 days. Ive been calling and reaching out and no one has been giving me updates. My account has well over XXXX in it as I said from a lawsuit settlement. The bank illegally closed my account with no reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A