Consumer complaint received 2015-06-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Credit determination

Complaint:
Dear CFPB, This complaint is in response to Case # XXXX ( original case # XXXX ). I responded to Macy 's submission via telephone on XXXX XXXX, XXXX with a CFPB representative. The CFPB representative stated that she would enter my response verbatim into your database. I happened to log-on to the system this evening and noticed that my response was not there. Hence, I am responding now as follows : Macy 's electronic response and their written correspondence dated XXXX XXXX, XXXX fails to answer why Macy 's erroneously reported false information pertaining to my credit report when I applied to the Macy 's credit card. As verified by XXXX, the credit bureau is not responsible for what is reported on my credit report. They only provide the information that is present on the report. As verified by my credit reports that I faxed to CFBP, my credit report reported all XXXX of my accounts as " PAID AS AGREED '' over the past 8 years. Hence, Macy 's can not blame XXXX for the negative rating that they chose to use to deny a Macy 's XXXX application that I did apply for. This statement is also included in the correspondence that Macy 's sent that clearly states that the credit bureau is not responsible for their adverse decisions. I repeat, I did not apply for a Macy 's American Express card. This is a fact and I do not appreciate Macy 's dishonest statement stating that I did. As indicated, the cashier completed my Macy 's card application via entering my data into her cash register. I did not complete any form and did not leave with any paper work that Macy 's included in their XXXX XXXX, XXXX. If they roll the tape on this date, they will see that what I am saying is a fact. In regards to the disputed charge on my account in XXXX, Macy 's indicated that there was a shoe charge that was billed to my account by a Macy 's employee. They did not mention anything about a " look up '' error. For the record, I did contact Macy 's fraud department to ensure that this would not happen again. Considering that Macy 's is avoiding answering why they reported false derogatory information and blaming XXXX for their unethical conduct, they should be forced to prove what they are saying is correct, as I know for a fact they are lying. The fact that someone else 's email was attached to my credit card and a Macy 's employee charged shoes to my account, Macy 's can not be trusted. The fact that their Executive Office refused to respond to my inquiry regarding why they reported false information regarding my credit report indicates that they are engaging in unethical business practices and lack the integrity to tell the truth about their actions. This was confirmed as well, when their Florida office was determined to respond to this issue via telephone only and tried to avoid responding in writing. I do not appreciate anyone making false statements about my credit history, when my XXXX credit accounts were NEVER LATE and PAID AS AGREED since XXXX up until the time I applied for their account. In contrast, Macy 's reported " TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED '' and 'SERIOUS DELINQUENCY '', which is a lie. Macy 's did not disclose that I was applying for a Macy 's AMEX card and their response to my complaint is a lie. I call a spade a spade, as I am sick of the lies and corruption that is existing in our society today. There is no rule of law anymore and Macy 's has proven to have zero integrity. I also do not appreciate the fact that Macy 's sent CFPB a copy of my bill without my permission, which is a violation of my privacy. Macy 's conveniently avoided explaining why they took adverse action against my credit report based on false derogatory information because they are fully aware that I can take legal action against them, period. 
Please re-open this case and submit my response to Macy 's or submit under a new complaint. 
Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation