Consumer complaint received 2016-02-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
ATTENTION LEGAL DEPARTMENT AND CREDIT DEPARTMENT FOR MACY 'S AND BLOOMINGDALE 'S XXXX XXXX! 

MONDAY XXXX XXXX, XXXX : Call Time 36 Mins and Counting : 1 : Currently on the Phone with XXXX XXXX XXXX XXXX XXXX XXXX " XXXX Florida XXXX Credit Department . Was advised he is attempting to contact the " Employees Credit Department '' : 2 : Was advised " All '' Seasonal Employees Accounts and Pre-Paid Cards are automatically terminated regardless of Billing Discrepancies, and Or Credit Coding issues once an employee leaves the company. The Card is " NO LONGER VALID '', NOT EVEN FOR continued use even after employment has ended. This is the case " only '' with " Bloomingdale 's '' Department Store Employee Accounts, and NOT w/Macy 's. Macys does not have that policy. Macy 's Pre-paid Credit cards are still valid to continue to use even " without '' the employee discount. Bloomingdales should have adopted the same compliance and policies with regards to the same method for the use of their Pre-paid cards to continue to use without canceling the entire card out entirely. 
" THE EMPLOYEE SHALL CONTINUE TO USE THE PRE-PAID CREDIT CARD WITHOUT THE CODING FOR EMPLOYEE DISCOUNTS ''. HOWEVER, " VALID POINTS - THIS IS A VIOLATION AND DISCRIMINATION AGAINST SEASONAL EMPLOYEES AND A VIOLATION OF ALL EMPLOYEES OF BOTH MACY 'S AND BLOOMINGDALES EMPLOYEE CONTRACTUAL ARBITRATION REGARDING EMPLOYEE 'S " BENEFITS AGREEMENTS ''! 
I did apply for a regular Bloomingdales card but due to a Protected " Security freeze '' I personally placed on my account. In stead I was inadvertently, grossly affected and my security freeze was held against me and the Credit Department never did a follow-up as " Instructed '' for them to due to continue processing the credit application, so instead of the credit department decided to take the easy way out and sent me a Pre-Paid Card instead. If They had done the job to investigate correctly they would have seen and known that my Macy 's, American Express Card ( S ) etc, were on file and I was therefore a credit worthy person. I was told it was a " Computer '' that makes the credit discussions, and I responded back advising that they should " NOT '' rely solely upon a " Computer '' to make their credit decisions because they were incapable of making Correct Valid Human Judgment discussions. Accordingly to the FTC All Human Beings have the " Right 's '' as govern by law to object and override all computer data entry file errors! 3 : My " Argument '' again is that even once the cards issued from " Bloomingdale 's Department Store '' Pre-Paid Cards are " CANCELED '', it 's canceled and " REFLECTS POOR '' STANDING ON THE EMPLOYEE 'S CREDIT REPORT BUREAUS FILE. Once accounts are " Canceled '' it has a " Negative '' Stigma and affect on the employees credit report files!. If they are cancelling out credit cards it should be reported as in Good Standing! Now I will Pay the entire amount since the proper credit HAS BEEN FINALLY issued, but not until I receive a correspondence back from the Legal Dept regarding Canceled Closed accounts advising a better resolution regarding my Pre-Paid Bloomingdales Credit Card is open and active and OR Upgraded to a regular revolving BLOOMINGDALES CREDIT Card with the Minimum credit line. 
A ) CREDIT ISSUED IN AMOUNT OF {$86.00} 36 % OF THE {$240.00} total corrected Balance due amount will take 72 Hours from todays date XXXX XXXX, XXXX. The Credit was again NOT Issued for the Purchase of the " MATTRESS Bed Purchased from Bloomingdales '' B ) On XXXX XXXX, XXXX, I Paid XXXX Purchased a " Mattress from Bloomingdales '' PAID ON MACY 'S EMPLOYEE REVOLVING CREDIT CARD, WHICH IS APPROVED AND CODED FOR CROSS SHOPPING. AGAIN NO EMPLOYEE DISCOUNT WAS CREDIT FOR THIS PURCHASE! UNTIL EFFECTIVELY TODAY XXXX XXXX, In the amount of {$400.00}. ON sales check number XXXX. C ) I, Was forced to make payment with the Macy 's Employee card because " Bloomingdales

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