Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

I have had a Macy 's XXXX XXXX XXXX since XXXX. I rarely use the card, and I moved in XXXX and subsequently provided Macy 's with my current address since XXXX. I had not used my Macy 's card for more than a year until XX/XX/XXXX, when I made a purchase of jewelry at Macy 's in XXXX XXXX, California, as a birthday present for my fiance. After I gave the gift to my fiance, she advised me that I had previously purchased the exact same item. On XX/XX/XXXX, I returned the purchase to Macy 's in XXXX XXXX, California. I believed the return of the exact same amount reflected my balance as XXXX, and thought nothing of it. I never received any billing statements from Macy 's thereafter. In XX/XX/XXXX, there was a delinquency on my Credit Bureau reports from Macy 's which indicated {$13.00}. I had no idea what this was for, so I contacted Macy 's and advised them I had not made any purchase since XX/XX/XXXX, and I returned the same item. They could not explain what the charge was for initially, and then advised me that when I made the XX/XX/XXXX purchase, " XXXX XXXX  '' credits were applied and when I returned the item the " Star Reward '' points reflected {$7.00} less and this was the outstanding charge. I still do not understand what they are talking about, but I never received a billing from Macy 's, they alleged that they sent a billing to my previous address from 5 years ago ( said billing which still has never been provided to me ). I paid {$15.00} by telephone on XX/XX/XXXX, which Macy 's alleges I owed them but, again, they have never sent a billing to my correct address. Macy 's reported a delinquency on my credit report of 90 days and this has caused my excellent XXXX XXXX to drop by XXXX XXXX. I have filed disputes with all three credit bureaus and contact Macy 's approximately 8 times requesting that they remove the delinquency from my credit report, but they have not done so. I have proof from a purchase made XXXX years ago, that Macy 's has my correct address, they have my telephone number and my email address, as they send me emails for store sales daily ( notwithstanding the fact that they never sent me a bill, never called me or emailed me regarding the purported {$7.00} charge ). I have been totally stressed out and have lost sleep for the last week, as Macy 's has severely and negatively impacted my credit score. They refuse to send me duplicate billing for the alleged charges and failed to remedy a very easy mistake caused by Macy 's, not me. I am an attorney by profession, and I am making this complaint as a last chance effort to resolve this, prior to having to resort to filing suit against Macy 's. 


I am attaching an online purchase which proves that Macy 's knows my current address, at least since XX/XX/XXXX. They have alleged that they sent a billing to my previous address which I never received and to a house I no longer own. I have also attached a letter sent yesterday to XXXX with regard to my dispute of Macy 's inaccurate negative delinquency report. 

Please help.