Credit card or prepaid card -- Fees or interest -- Complaint #5898621
Complaint Overview
Complaint ID: 5898621
Company: Citibank, N.A.
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: New York
ZIP Code: XXXXX
Date Received: 2022-08-19T12:00:00-05:00
Date Sent to Company: 2022-08-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Macy 's enrolled me in a Credit Protection program with a monthly fee of {$99.00} on XXXX XXXX, XXXX, when I applied for the card. This was done without my knowledge or known consent. There was no discussion obvious explanation of this benefit and therefore I could not agree to this additional charge. This charge has been applied to my account since this date. I am a XXXX and would not agree to an additional XXXX XXXX monthly charge if Macy 's had been forthcoming with this service and not sneak it in without customer knowledge. I was a regular customer of Macy 's and was aware of their high interest rate, so I did not question the monthly bill and paid the minimum amount. I became aware of this fee after carefully reviewing my statements and canceled this program on XX/XX/XXXX. I filed a complaint with Macy 's and their response is attached below. I did not use this program at all in the 12 years it has been charged to my account because I was not aware of it. So, they did not " protect '' me from anything nor was the service used or provided. Macy 's hides behind the statement that I could have just called and dropped the service withing 90 days- but I never signed up for it to begin with- they signed me up for the service.
Frequently Asked Questions
What is Complaint #5898621 about?
Complaint #5898621 was filed against Citibank, N.A. regarding Credit card or prepaid card specifically about Fees or interest. It was received by the CFPB on 2022-08-19T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card or prepaid card) and describe your issue in detail.
Can I see other complaints against Citibank, N.A.?
Yes, visit the Citibank, N.A. company profile at readthecomplaint.com/company/citibank-n-a to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.