Consumer complaint received 2022-12-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Im disputing fees and asking Macys to investigate the closing of my account. Ive made several attempts to explain the issue to Macys customer service but I cant get transferred to the dispute department. Customer service misled me and put in a blank dispute. There is missing statements and no alerts between XXXX XXXX. I just receive earlier statements after waiting several months and I noticed some billing issues and possibly intentional tactics to cause more fees. 

1. Price of first order is incorrect and over charged.

2. I was charge NSF fee for a payment I did not authorize and was never informed.

3. A payment was return NSF even though my bank account had funds. 


XX/XX/XXXX I was approved a new card with XXXX limit. 
My first purchase was presented as below ( I can provide proof with a Dated screen shot of order ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Created for Macy 's Size : XXXX XXXX : XXXX {$59.00} Sale {$33.00} Qty : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Created for Macy 's Size : XXXX XXXX : XXXX  {$69.00} Sale {$28.00} Qty : 1 Bag ID : XXXX Total {$62.00} plus estimated tax XXXX Minus additional 25 % off as a new account discount. 


The first billing statement reads. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$88.00} SALES TAX {$8.00} RECEIPT TOTAL {$97.00} NEW ACCOUNT DISCOUNT - {$24.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX - {$13.00} SALES TAX - {$1.00} RECEIPT TOTAL - {$14.00} NEW ACCOUNT DISCOUNT PAYMENT {$3.00} The total changes for that purchase have several amount {$97.00} card - {$5.00} card {$82.00} total Documented transaction Purchases 1. {$83.00} XX/XX/XXXX 2. {$36.00} XX/XX/XXXX 3. {$65.00} XX/XX/XXXX 4. {$32.00} XX/XX/XXXX Payments 1. {$40.00} XX/XX/XXXX 2. {$21.00} XX/XX/XXXX 3. {$29.00} XX/XX/XXXX 4. {$31.00} XX/XX/XXXX 5. {$2.00} XX/XX/XXXX 6. {$82.00} XX/XX/XXXX Unauthorized payment and fees 1. {$40.00} XX/XX/XXXX unauthorized payment 2. {$40.00} XX/XX/XXXX reversal of XXXX amount 3. {$21.00} XX/XX/XXXX returned payment fee 4. {$2.00} XX/XX/XXXX interest charge 5. {$2.00} XX/XX/XXXX interest Total fees for XXXX {$25.00} Total interest XXXX {$.00} as of XX/XX/XXXX. 

Monthly email alerts Email alert XX/XX/XXXX Statement Balance : {$21.00} Minimum Due : {$21.00} Payment Due Date : XX/XX/XXXX Last Payment Amount : {$40.00} Email alert XX/XX/XXXX Statement Balance : {$36.00} Minimum Due : {$29.00} Payment Due Date : XX/XX/XXXX Last Payment Amount : {$21.00} Email alert XX/XX/XXXX Statement Balance : {$31.00} Minimum Due : {$29.00} Payment Due Date : XX/XX/XXXX Last Payment Amount : {$29.00} Statement Balance : {$2.00} Minimum Due : {$2.00} Payment Due Date : XX/XX/XXXX Last Payment Amount : {$31.00} Statement Balance : {$87.00} Minimum Due : {$29.00} Payment Due Date : XX/XX/XXXX Last Payment Amount : {$2.00} Statement Balance : {$10.00} Minimum Due : {$10.00} Payment Due Date : XX/XX/XXXX Last Payment Amount : {$87.00} Statement Balance : {$10.00} Minimum Due : {$10.00} Payment Due Date : XX/XX/XXXX Last Payment Amount : {$87.00} XXXX XXXX  checking account XXXX statement XX/XX/XXXX XXXX XXXX {$27.00} account balance {$31.00} XX/XX/XXXX Mobile Purchase Sign Based XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX {$9.00} account balance {$23.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16.00} balance {$6.00} XX/XX/XXXX Returned Insufficient Funds - ACH Txn {$16.00} account balance {$23.00} Statement ending XX/XX/XXXX balance {$110.00} minimum payment $ {$110.00} XX/XX/XXXX paid {$16.00} to settle my bill {$1.00} bill XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation