Consumer complaint received 2022-04-15
Company: CITIBANK, N.A.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I'm contacting you to dispute all negative demerits on my credit report regarding best buy. The company is very dishonest and tells mistrustful information to receive money. I finally have the time to contact you about my disastrous relationships with the company and their line of credit. I thought that Best Buy was a legit store, but it has some of the worst operations and logistics of all the retailers. 
First off I did not use the credit card for months. I did not need to buy electronics at the time, so I did not use them. I wasn't gon na go off spending money on a XXXX that I could not afford. The card sat on my desk unactivated. I already had a XXXX  from XXXX. 
I was proud of myself for earning a good credit score and therefore earned the right to have credit for this store. I always wanted a Best Buy Card. 
Then An emergency arose and I had to move into a new place. So I thought the card would be handy, and it was to an extent. And if the record is checked I really only bought things that are considered essential. Things such as the XXXX XXXX  and XXXX XXXX Ordering from them was drama because things would come up as delivered and I would never receive them. I ended up getting refunded several times because orders never came to the right address and I would be furious and disappointed. It also made me look dishonest because this happened so frequently. Eventually, I stopped ordering items to be delivered and a family member picked them up for me. 
At the same time, because of the new apartment, I also was forced to purchase furniture using XXXX. My interactions with XXXX were perfect. I received the products I ordered in days and have enjoyed the mattress kitchen table and other products. So XXXX XXXX and other companies besides best buy handled the logistics of their business well. Also, they were paid automatically and XXXX over a period of three months. But if I did not receive the product and was charged hundreds of dollars we would have a similar problem as with best buy. 
Best buy is the worst company that I have ever purchased anything from. In XXXX I purchased a XXXX XXXX XXXX XXXX XXXX to go in my living room. This order was placed on XX/XX/XXXX. I never received the fireplace but it showed up as delivered. I have had to hound this company for months for a XXXX dollar refund. And the credit was finally added back to the card on XX/XX/XXXX. That's 3 months for a refund. I waited for months for the product to arrive and the delivery date kept changing until one day when I looked at the tracking info and it came up as received. I ended up having to chat with someone online several times about the fireplace that was XXXX dollars and eventually I was told that the product was out of stock and my order had been canceled. Even with them knowing that I had not received the product there was still a XXXX charge on my account for months. I chatted several times about this and in the midst of trying to get a refund my credit score plummeted. The store was reporting that I was not paying the money that I had borrowed from Citi but they were not saying it was because they owed me XXXX dollars and took several months to repay me. I refuse to pay a company that owes me money and these situations are not black and white. Best buy is the worst purchasing experience that I have ever had with any company. And considering the reviews and ratings in the XXXX, a lot of consumers agree. This company takes advantage of people and I want to make sure that poor customer service doesn't reflect badly upon me concerning my credit. I'm disputing everything with this ridiculously trashy company that can not handle simple operations.

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