Consumer complaint received 2016-01-27
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

The double standard of Credit Card companies punitive actions against it 's credit customers and the subsequent unaccountability to it 's own consumer when the time comes for accountability. Macy 's is directly responsible for holding my credit score DOWN, while I was intentionally making substantial payments in order to change my credit usage ratio. Macy 's directly caused my credit score stay stuck in one place due to neglecting to REPORT TO ALL XXXX BUREUS, the balance and payment information for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Still, today, XXXX XXXX, XXXX, theres been NO change. 
These past 7 months I have been actively working to repair my credit and have successfully seen my score rise from a XXXX to a XXXX. Then it dropped down arbitrarily, even though I 've made substantial payments to each account. 
I committed to paying what was necessary to get out of a debt spiral and to begin a wealth cycle, investing thousands of dollars to both pay down my credit balance ratio as well as pay for credit repair services, as well as the number of months and time spent on the phone and subscriptions to all XXXX Bureaus. I am wholeheartedly focused on this task to its success ... Yet I have been stopped in my tracks and my score is at the mercy of an unaccountable system that bears down its heavy burden onto my back. On top of my own diligent work, I now have to do the footwork for a major credit company! It takes hours of my valuable time, mental health and useless financial frustration. 
This was all in an effort to be prepared to a purchase through financing an automobile to be delivered XXXX XXXX. I had worked to achieve my down payment, had achieved a XXXX point increase on my credit score, but still needed the solid XXXX to begin to be eligible to apply for financing. I was turned down at the application process with no exceptions, that my score reflected XXXX, meanwhile, Macy 's showed a severley inaccurate credit usage ratio around XXXX %, whereby I had paid it down to XXXX %. It will be down to XXXX % in XXXX XXXX. 
Macy 's neglected to report to the XXXX credit bureaus even with XXXX separate phone conversations to update my reports manually, which their credit card department agreed to. 
Beyond the lost time, money, emotional anxiety, I 've been falsely accused and have had to bear the extra burden of having a too low credit score to be approved for the first stages of financing. 
Staring down these inaccuracies, delays, outright unaccountability by creditors, what, how and when they report is DANGEROUS and DAMAGING. The mere fact that consumers are at the mercy of being perfectly accurate and who 's scores are a representation of their behaviors, meanwhile creditors are collecting interest, fees, late charges in addition tho the money they are paid back as agreed. Then this information sits on the report, misinforming the scrutinizing money grubbing lenders. It is pure sabotage! 
Laws need to be protecting the credit consumer and the scoring process needs to be consistent and precise and to all XXXX Bureaus. My consumer behavior is controlled by me and I should not share in the responsibility the bad behaviors of the Creditors. This is really a game between the Credit Score Keepers and the lenders, while you 've got the consumer masses sitting in the stands, watching their lives being treated like a game.