Date Received: 2022-09-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2021, I made a purchase that was larger enough to be placed in 12-month special event. Regardless if I have a balance or not ( of current purchases ). Macy 's does not apply my payments to the promotional balance. Example, XXXX statement I did not make any purchases on my account, so I made a payment of {$75.00}. Which I called ( like I do every month ) to ensure that the {$75.00} was applied to my promotional balance, instead the company then applied it to purchases which were not on my statement yet. I have called almost every month and it is constantly not being completed. My last balance for my XXXX statement was {$280.00}, which I made a {$75.00} towards and called to ensure it is applied to the statement balance ( which was all the promotional balance ). But instead I get the XXXX statement which states that my previous balance was still {$280.00} and my payment was applied to my current charges. Macy 's is making it nearly impossible to pay off my promotional balance. Macy 's states they can't help me pay towards the balance unless, I make a phone call every month. I do make the call but they do not apply the payment as requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85041
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There are several fraud charges on my card and the company is holding me responsible. I reach out to the company twice and even send my travel itinerary showing I was traveling on some of the dates I was charge and all they did was close the case and rebuild the charges. XX/XX/2022 : {$30.00}, XX/XX/2022 : {$60.00} XX/XX/2022 : {$60.00} XX/XX/2022 : {$30.00} XX/XX/2022 : {$40.00} XX/XX/2022 : {$30.00} XX/XX/2022 : XXXX XX/XX/2022 : {$30.00} XX/XX/2022 : {$40.00} XX/XX/2022 : {$65.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: With : XXXX XXXX XXXX XXXX, the Commercial Revolving Charge Card On XXXX XX/XX/XXXX I attempted to use the Online ( website ) portal to pay my outstanding Statement Balance. I have successfully completed payments towards my Credit Card in the past. The outstanding Statement Balance was {$17000.00}, the Website was active enough to permit me select Statement Balance, however when I clicked on Submit Payment it NEVER communicated Payment Successful or Complete. I then processed to use the Toll-Free phone number to complete my payment Home Depot Credit Services has the Software Algorithm configured wrong that it permitted the Automated Computer system to Duplicate the ACH electronic transfer of funds and not only zero out my Credit Card Balance but put the card into what they reflect as a negative value ( Over Payment ) of Over {>= $1,000,000} as of the XXXX XX/XX/XXXX. Home Depot Credit services does acknowledge this and lets the consumer request a refund but then provides me with the completely unacceptable approach as the solution Thank you for your message regarding your account. Your refund request will be processed on XX/XX/XXXX. Out policy is to have last payment made posted to account 10 days before issuing refund. You can expect your refund check in 7 to 10 days from XX/XX/XXXX to your business address. Thank you for being a valued customer. Not only should Home Depot Credit Services Payment Process not be configured to permit such a thing but to NOT USE ACH to return the acknowledged Duplication immediately is unacceptable from an approach of handling Consumers Money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: In XXXX, I attempted two ATM withdrawals at a XXXX XXXX XXXXXXXX ATM. The two transactions, in the total amount of {$2000.00}, were unsuccessful and did not dispense any cash. I contacted my card issuer, Citibank, in relation to this, and they indicated that they received documents proving the transactions were valid and denied my claim. I have repeatedly asked Citibank to provide the documents they relied upon when making this decision, and they said they were unable to do so. I have tried to reopen this dispute with Citibank multiple times, yet I was not given any chance to reassert my claim according to law. Citibank violated Regulation E of the Electronic Funds Transfer Act due to the fact that 1 ) they did not provide documents they relied upon in making of their decision to the account holder 2 ) they did not allow the customer to meaningfully reassert their claim. This violation of the law has caused me significant financial loss.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94115
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Didnt receive funds called since XXXX total 11 times spoke 7 representatives 4 managers went through the whole process and agree to have the money but keep saying they sent it out and I have the option of waiting for another or just waiting for the check thats my only option I keep waiting the ten to 15 days and they refuse to expedite, track, give me a tracking number send certified. I ask to speak to the managers supervisor two times they refuse and say he will call in 48 hrs and he doesnt. I banked with this bank since 1988 and this is how Im treated
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28409
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hello good day, I have a notification from XXXXXXXX XXXX stating that CITI BANK pulled my report and I checked what occurred to be an unauthorized inquiry on the XXXX report. This occurred on XX/XX/2022. I've already spoken with XXXX Credit Bureau to work on this issue as well as CITI BANK to resolve these actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11377
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
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: My elderly XXXX had a Citi XXXX card. She wanted to collect XXXX XXXX as points with large purchases. I moved to help prepare and continue caregiving for her. I used the card, letting her know, for my moving and storage costs. I paid a portion of the bill and she then asked me to start to pay her directly because she is in dispute with Citi. Instead, Citi keeps reporting this card on my account. I have written XXXX letters, responded to a request via handwritten form mailed as well as have called, with my mother in the room. I've called several times. The XXXX XXXX says my name is not associated with the account. The account shows up on ALL my Credit Reports. I am trying to buy a Home as I am a student and need stability. This is preventing me from using XXXX XXXX assistance programs and has forced me to miss out on home purchasing while the interest rates were lower. My credit was stellar prior to this. This is an act beyond norm as I have also been harassed and investigated, without reason, by them. They are interested in taking over my mother 's assets as well. All of it is unfair, unjust and I've tolerated enough. The Citi Legal Dispute team for Credit Issues located in XXXX XXXX has not responded nor have the individuals. My Credit report was just run again today and still shows the issue. They confirmed removal in XXXX, XXXX and XXXX of 2022. I checked again and a mortgage lender tried and found issues still. By XX/XX/2022 the issue still existed and I wrote a follow up letter. My credit score has gone down another XXXX points since. This is such a blatant attempt to try to put stress on an already stressed family dealing with illness, loss, elder care issues and racism. Please assist. Thanks! S.I.R.
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: 2022-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I had signed up for a Citi checking account that advertised a {$700.00} sign up bonus. After meeting all the requirements, Citi bank has still not paid out the bonus amount. Their customer service staff gives wrong/different answers every time I call, and in general Ive been getting a run around. Their executive office did confirm that I met the requirements ( as the attachment shows ), Ive sent in my w-9 form, but nothing has happened. For anyone looking to use this bank they should stay away. All they have done is cause emotional distress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98012
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I've had a checking account with Citibank for over 20 years. On XX/XX/2022, I wrote a check from my account to a family member 's LLC. Earlier this month, my brother-in-law wrote a check from that same LLC for made out to me that I deposited at a Citibank branch that later was returned as NSF. Subsequently, I made one outgoing ACH payment with funds that had been available that were also returned. I was able to re-deposit the check, which cleared, but during this time, my account was frozen by their fraud department. I tried calling multiple times and would be passed around to various departments and on the 5th day of calling, was told my account was being closed down and they could not elaborate as to why. This is my primary bank account that is tied to my mortgage, my direct deposit paycheck, my joint account with my wife, and my 16 month old daughters account. This account is my absolute financial centerpiece and with a 16 month old, a 4 month old, and a mortgage to pay for, Citibank completely disregarded the impact that they are creating. They do not even have the courtesy to call or overnight the funds so I can figure out next steps, instead stating it will arrive in 3-5 business days ( I have my next mortgage payment due before then! ). This is criminal behavior that is likely systemic and not a one off situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94070
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Macy 's opened a duplicate account in my name, then put the wrong address, I have called them for over two months and they will not take my payment or correct my address on file. And then reported it to XXXX XXXX. Every time I call their number XXXX I get to someone but after 30 or 40 mins they just tell me someone will call me back, and no one calls me. I do not have a card or a number that I can pay the bill to, I called and gave them my Bank info yet they are not sending me any info.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95125
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A