Consumer complaint received 2016-08-08
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
Temporary change of address while on sabbatical ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) prevented Macy 's credit card statements from being delivered in a timely manner. Purchased goods at Macy 's with my Macy 's credit card in XXXX, Indiana on XXXX XXXX, XXXX. Amount charged : {$92.00}. My statement closing date for this account was in the first week of the month and generally fell between the XXXX and XXXX. The charges I made on XXXX XXXX were on a statement with a closing date of XXXX XXXX, XXXX and a due date of XXXX XXXX, XXXX. I did not receive this statement via USPS to my temporary address in XXXX. I received a statement from Macy 's with a closing date of XXXX/XXXX/XXXX and a due date of XXXX/XXXX/XXXX on XXXX XXXX, XXXX. This statement had interest charges of {$2.00} and a late fee of {$27.00}. Total bill : {$120.00}. I paid this bill in full, accepting the consequences of having temporarily changed my address twice. I paid it by EFT on XXXX XXXX, XXXX. The payment cleared and I did not use my Macy 's card again, nor did I receive a Macy 's statement until XXXX XXXX, XXXX when a letter from XXXX XXXX XXXX arrived, stating my Macy 's account was now in Collection, with a total of {$230.00} due as of XXXX XXXX. 
I telephoned URS upon receipt of the notice and the process of procuring missed statements began. XXXX XXXX, XXXX I received copies of the Macy 's statements I never received. XXXX XXXX, XXXX I spoke at length with XXXX XXXX, service rep at URS. This call proved to be worthless, since XXXX XXXX repeatedly informed me that she " could n't do any more with this. They ( Macy 's ) want ( s ) the whole balance. '' Calls to the Department Store National Bank were refused because they had referred my account to XXXX XXXX XXXX collection agency. 
Macy 's continues to accrue monthly interest fees and late charges to my account, and has done so even after I contacted URS to resolve the issue. I have not used my Macy 's card since XXXX, XXXX. As of XXXX XXXX, XXXX my alleged balance is {$270.00} and growing. 
I did not receive statements from Macy 's and I am certain the problem was from the temporary address changes while on sabbatical. Several other companies had first class mail returned to them even after we returned to our permanent home in XXXX, Texas on XXXX XXXX, XXXX. XXXX, XXXX XXXX and XXXX Bank also had mail returned to them. Our permanent address was not fully corrected until XXXX, XXXX. 
I have had a Macy 's credit card since XXXX. Records will show that all balances are paid in full. Additionally, my Target, XXXX, XXXX XXXX, XXXX, and XXXX XXXX are paid in full each billing cycle. 
I feel as though I have no recourse in this situation. XXXX XXXX, the XXXX representative, was no help, and I 'm unable to discuss this with Department Store Bank. I have operated in good faith to reach resolution. I have no problem paying what I owe but I refuse to pay the interest fees and late charges resulting in changes of address and errant mail return and forwarding.

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 monetary relief