Consumer complaint received 2022-02-23
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
My name is XXXX XXXX : my account number is XXXX. 
The name on my account is XXXX XXXX the last four of my social is XXXX the account in question is being filed on Macy 's XXXX XXXX  card. 

Since XX/XX/XXXX, of discharge from the hospital I had called in to Macy 's customer service. Informing them of the reason behind the payment delay. In time which I asked the agent to move my bill date to a substantial time in which I can pay the bill. Without creating a over the credit limit, late fee. It was expressed to me that the only thing that they could do is move the build day to the 21st of each month. I found that very unreasonable because I am someone that is on XXXX that has a could barely get around lot of Health issues. And this matter has caused a lot of stress because I didn't want my relationship to be toxic or in bad taste. But seems that the agents are all on the same page. And they don't seem to have the capacity to hear my side of the story when everybody 's story is the same one which leads me to believe that maybe I'm being targeted because I have impairments impairments harassed and or discriminated against. I personally don't know what the problem is and what they stand to gain. My idea of what they stand to gain is to set me up each month to have a over the credit limit balance as well as a late fee balance and this is how they get their interest. I get it's not personal it's business but I refuse to pay a company that will not allow me to stay in alignment with having a good credit relationship. Macy 's has refused to move my bill date to the XXXX of eastmont in which this time I can definitely pay the bill in full and I will not have to go around and about with all these different fees. What agent told me they had some type of grace period and just to pay the bill when I could and when I did that they came with the same thing they transferred me all around. Not actually initially addressing the matter at hand I have some concerns about discrimination I have some concerns about harassment I don't understand what the sense is to try to set my bill day up to where I fell each month. So what I did is I cancel the account I asked to be transferred to a person who could address my dispute issues as well as the discrimination charges that I will want to fall on Macy 's. And they refuse me names they refuse me a bill they change they refuse me to cancel they hung up in my face they were very insubordinate this happened around XXXX XXXX. XX/XX/XXXX I'll talk to a guy named XXXX XXXX XXXX XXXX XXXX XXXX he said he can move my bill day to the XXXX which is not invoice I don't get paid on the XXXX and the first agent transferred me all around and would not get me to a supervisor and or a person who can address these matters. So as upon canceling my account I asked them to give me grievance forms so I can feel them out and I can put it in writing and send it back to them. I refuse to send me those forms in the mail they said they don't have the option and that they can't send me those type of letters in the mail I didn't know what the conspiracy was or why that was I did want a company policy of my rights and I did want to know what I could and could not do and I wanted to read the fine print but they did not give me any of that if they gave me that in the beginning I never received it this is the second card that I have been issued by Macy 's we had a dispute one time before in the past and I paid it off in full which I expect to pay off in full as we speak but in the same interim of everything I want to file a case against them because they discriminated against me they harass me and they treated me poorly I don't know what it is that I did to cause this matter I don't understand why they would not give me the information that was needed and why they would not change my bill date I understand company policy but I don't understand setting someone up to fail each month and not allowing them to have an even chance to make the payments that they need to keep their account in good standing. All the other credit cards that I do have I pay them around the XXXX or the XXXX of each month they had no problem with moving my bill date to those days so I can be able to pay the bill I never missed the payment on any of my bills but they're making it where they're releasing information to the credit card company as if I'm not paying the bill and I'm not making attempts it's not fair to me it's it's what they see on paperwork they're reporting status is the truth that they're trying to sabotage me. the truth is that they will not even consider giving me a new bill dirty first it was the XXXX now they say it's the XXXX it's still not helping me because I don't get my funds until the XXXX of each month I can not pay them before that and they know it and that's not what they're telling in the report it just makes it look like that I'm delinquent and then my credit score goes down and that's not fair to me so I'll close the account today and I plan to pay it off in my in my way because I can not pay it all in full right now as well as I want to follow this suit so if there's any kind of grievance information and forms that I need I will request that you please send them to me my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX I appreciate you thank you so very much for your time and I'm sorry that it had to end like this what would be the substantial time that you will be able to get back to me on this matter because I don't want to be said that I did not send something in you know and then something like oh yeah you didn't see anything in writing I need a mailing address to where I can put the things in writing as well I appreciate that respectfully XXXX 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 non-monetary relief