Date Received: 2022-09-26
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: I purchased a XXXX XXXX XXXX online from Bloomingdales.com on XX/XX/22 ( Order XXXX ). The bag was {$2200.00} and totaled over {$2400.00} with taxes. I purchased this bag because I'm traveling to my best friend 's wedding on XX/XX/22. Retrospectively, I should not have ordered such an expensive item online but it was not in stock at their XXXX store in XXXX XXXX ( XXXX ). My reasoning was that something this expensive would be sent with a signature requirement so I really thought there would be no issues. On XX/XX/22 I received a notification that my order had shipped. I checked the tracking number and noted it was a XXXX XXXX XXXX package. Per XXXX : " XXXX XXXX is an economy service for your non-urgent, business to consumer needs of low value. XXXX makes the shipment pick-up, and the U.S. Postal Service ( USPS ) makes the final delivery, seven days a week. ". This is important because I live in XXXX XXXX and unfortunately if I'm not home sometimes packages are stolen. I didn't understand why a luxury item would be sent through this type of service but I was glad at least it was trough USPS ; we have USPS lockers in the lobby so whenever something is sent through them I know it will be secured because its left with a key in your mailbox. Fast Forward to XX/XX/22, the package says it's out to delivery but I am under the impression it will be done through USPS as there is a USPS tracking number attached which stated they were waiting for the package. I went outside to run an errand around XXXX. Later on I received a notification that the package had been delivered. By the time I got back to my building around XXXX, there was nothing in the lobby or my front door. I immediately contacted Bloomingdales and tried to initiate a lost package claim with XXXX later on the day which was not possible. I contacted XXXX twice after that via chat. Today XX/XX/22, my request for a refund was denied twice by customer service. I have escalated the issue with the credit card but since it's a store-credit card by Bloomingdales, I want to ensure there is a fair resolution. Bloomingdales contests that I have done this several times already and that's why the refund is being denied. However, this only happened one other time earlier this year and it was for the same reasons. I've been a customer for many years and have no reason to lie about these things. Unfortunately I moved to this building a year ago and have had tons of issues with packages since then, I live in the middle of the hood. I can not send my packages to work and the other addresses I can send packages to are all located in XXXX XXXX as well. This happens all the time around here to the point where cops ignore the reports and no longer investigate. I understand Bloomingdales does not want to take a loss but the customer can not be at fault if a package is lost or stolen before its received, especially when the seller is irresponsibly mailing luxury items with no type of security. I relayed that I can provide a police report or any other documentation/information that is needed, but the refund request was still denied. I should not have to paid over {$2500.00} for a bag I did not receive and for the oversight of the seller.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10040
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I received an unsolicited HOME DEPOT credit card in the mail. Unsure of exact date. It was already activated for use according to the instructions attached to the card and no phone number to call to activate the card. XX/XX/XXXX I made an initial purchase of {$100.00}. Received initial statement in XX/XX/XXXX. XXXX reflected purchases and credits from XX/XX/XXXX - XX/XX/XXXX which I didn't purchase or returned for credit. Total purchases listed was {$1300.00}. Total credits was {$650.00} New balance was {$650.00}, My purchase of {$100.00} made on XX/XX/XXXX was listed and I paid this on XX/XX/XXXX. On XX/XX/XXXX I cancelled the subject card and reported to XXXX XXXX. Received confirming letter from XXXX XXXX dated XX/XX/XXXX. Received letter from Customer Service dated XX/XX/XXXX informing me not to pay charges in questions. Received decision letter from XXXX XXXX dated XX/XX/XXXX that I am liable for the disputed charges. Called XXXX XXXX on XX/XX/XXXX and they informed me that once I accepted the card by using it, I am liable for the disputed charges. Received new statement on line reflecting a new balance of {$540.00}. The new statement also reflected a " No interest for 12 month payment requested on XX/XX/XXXX '' which I did not request. I swear on a stack of Bibles that I did not purchase the disputed charges. I hope you can help me. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96782
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Today looked at my checking and savings account and they said blocked. I had no notification and chatted their system online. I called the customer service line and they put me on hold, came back told me my account was closed couldnt give me any other information and said they were disconnecting. Then I called back and then the person took my information never came back to the phone. Then called a 3rd time and was told that they closed my account and I would receive a letter in the mail with more detail and would receive a check 30-60 days out. I explained how I'm not okay with this because it's my life savings and $ XXXX. They said there was nothing they can do. I then chatted their system online and they said that it was " blocked not closed '' and they would fix this and that the people over the phone shouldn't be saying that ( I've attached the images ). I then talked to someone over the phone that seemed actually really helpful. They said the same thing and talked to their team and then verified a XXXX transfer I made from XX/XX/XXXX to a XXXX account I have. They said that was the issue, now I could call XXXX and open a new account and have my funds transferred immediately to those accounts. I called and explained to that person and they said my account said only to in person branch, the nearest in person branch is in XXXX and it's a 4 hour drive from where I live. They said they couldn't do anything and then I asked to talk to a supervisor. They transferred me over to a fraud supervisor ( employee ID : XXXX ) and he said his name was XXXX and the only option was to go to the branch. I said I couldn't do that and I would keep trying to find other alternatives. He was not helpful at all and said that it was closed and I would receive a letter and check 30-60 days. I called back to customer services which I've been on with all day and I'm still on hold because they said the only option now is to wait the 30-60 days to receive a check, I feel like after I called many different people they really changed my options. I've heard so many different things and feel like I've been given options and then them taken away. There is no fraud, everything I've done was legal and I can't wait for that long to have my life savings by check in the mail. How would you feel if you had hundreds of thousands in an account and no one would tell me anything about my funds and I would receive a check in the mail in 30-60 days. Im just supposed to sit here and hope and wonder when I get a large amount of my money?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85282
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have told since XXXXXXXX XXXX My savings account At Citi Bank will be closed with-in 60 days there was an block so I was told over and over go to the branch so we can verify the account in order to with draw the money so since XX/XX/2022 until XXXX I have tried they have been telling me your account will be closed we will send you check so I gave up waited give them an chance to do that and recently called To CITI back Customer service found out nobody closed my savings account so is still open No body cant help the branch cant do anything nor the customer service when i call so i would like the account be closed and my money amount of {$280.00} plus interest because for waiting from XX/XX/2022 until now thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Citibank Credit Card Money withdrawal from Atm machine and unauthorized transactions, with the credit card in my possession. Dispute department, did not help to recover fraudulent charges. Ended result with phone hung up on me.
Company Response:
State: CA
Zip: 90807
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: PLEASE DO NOT CLOSE THIS COMPLAINT AGAIN! IT IS REAL! You sent a letter rather than emailing or calling and I got it Saturday and you are closed. I have not had online access to my money for over 2 weeks now, and canceling the complaint does not solve the problem. Previous Complaint # XXXX. THIS IS A VERY REAL COMPLAINT! I don't know how you decided this was not me, but it is and this further delay is not helpful. I have been unable to transfer funds from my savings account since XX/XX/2022. Since then I have talked with 4 tech support people and 2 customer service representatives. Each time I tell them the issue and they have me try while they are on the phone and ostensibly watching my online activity. They have not fixed the problem. I have sent them screen captures of the error in 2 emails. They have not responded to that communication. They offer no solution that helps but seem anxious to pass me on to someone else or get me off the phone. Customer support says that I may access my deposit by 1 ) ( getting on an airplane and flying to another state ) by visiting a branch, 2 ) using the online system which does not work, or by 3 ) making many trips to their ATM and then driving to my local bank and depositing into my checking account. The ATM is obviously not workable for a {$5000.00} or more transfer. After eleven days of experiencing this error, Citibank customer service and tech support still have been of no assistance. The problem still exists. Citi personnel have only done nothing but given me the run around.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX Opened XX/XX/XXXX Account XXXX XXXX - this account is not mine Macys Opened XX/XX/XXXX Account XXXX XXXX - this account is not mine XXXX Opened XX/XX/XXXX Account XXXX XXXX - this account is not mine 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. Failure to remove these accounts immediately will result in a {$1000.00} fine. Note that a copy will also be sent to FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77067
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XXXX of XXXX XXXX was used for purchase of {$300.00} worth of product. Have been making minimum payments plus additional promotional payments of {$50.00}. Have requested several times to have XXXX payments of {$50.00} to be allocated to promotional balance only. When I spoke to XXXX they stated that the payment had to allocated to the revolving balance because of the billing cycle. If my payment is not due yet why can't I have the funds allocated to the promotional balance. I have called several times and they tell me they will allocated but then it never gets done. Company is not willing to allocate my payments the way I need them to be allocated. Not to mention my account should be under SCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I canceled my account with Citibank {$200.00} secured balance and now they keep charging me late fees. XX/XX/XXXX LATE FEE- XXXX PAYMENT PAST DUE {$40.00} Date Description Amount XX/XX/XXXX INTEREST CHARGED TO STANDARD ADV {$1.00} XX/XX/XXXX INTEREST CHARGED TO STANDARD PURCH {$2.00} Total fees charged in XXXX Total interest charged in XXXX Days in billing cycle : PURCHASES Standard Purch 24.74 % ( V ) {$120.00} ( D ) {$2.00} ADVANCES Standard Adv 27.49 % ( V ) {$49.00} ( D ) {$1.00} Customer Service XXXX XXXXXXXX www.citicards.com Total fees charged in this billing period {$40.00} Total interest charged in this billing period {$4.00} {$200.00} {$29.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78043
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: The debt is XXXX years old. Its my understanding that they should stop at 7years. They keep sending notices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92651
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A