# WTF Macy's v. Citibank
**URL:** https://forums.speedlife.net/t/wtf-macys-v-citibank/53066
**Category:** NYSpeed Off Topic
**Created:** [August 11, 2008, 10:59am UTC](https://forums.speedlife.net/t/wtf-macys-v-citibank/53066 "2008-08-11T10:59:33Z")
**Posts on this page:** 20
**Page:** 1
### Author:  [@Fry](https://forums.speedlife.net/u/Fry)
#### Post date: [August 11, 2008, 10:59am UTC](https://forums.speedlife.net/t/wtf-macys-v-citibank/53066/1 "2008-08-11T10:59:33Z")
So my wife got a Citibank card that she claims she never signed up for. I hadn’t checked on it yet.
Then I just got a Citibank card I never signed up for.
So I go and pull my credit reports. Sure enough. There’s a Citibank Credit Card account opened just recently hurting my score.
:wtf:
So some quick googling turned up a ton of stories like this one:
> **Macy’s Screwed me over**
> okay you’re just not going to believe this one.
> I subscribe to this service by American Express called CreditSecure that tells me anytime there is a change to my credit score/record. My credit score has been 791 for about a two years consistently and hasn’t really changed.
> Well I went shopping at Macy’s last weekend. I used to have a Macy’s card a while back and I hadn’t used it in a long time. So the guy at the counter asks me if it’s been a long time and I said yes so he says, well then you can just apply for another one now and get 20% off all your purchases today. I was buying close to $2K worth of stuff that day so the $400 sounded good and I figured, meh, an inquiry against my credit will be around 10 or so points and I can deal with it.
> Anyway, today I get an alert from CreditSecure so I figure, oh yeah, the caught the Macy’s inquiry. I check the account and there are SIX alerts!!!
> Naturally I’m thinking WTF!!!
> One was from Cingular/ATT for that iPhone idiocy I did last month, no big deal. The others where 1 new inquiry from Macy’s, ok, and 1 new account from Macy’s, also okay.
> The other 3 were a total shock:
> CCSMC SPECTRUM/CBSD
> PRISM/CBSD
> CITIBANK USA,NA/CCSM
> I do a search on those and find that Macy’s has been literally bending people over. So here’s the deal.
> Apparently, back in July, Macy’s sent out some notice to all the customers that hadn’t used their account in a while, that if they were going to sign them up for a Citibank card. The letter apparently said that if you want to opt out of this card you have to let them know that in writing, otherwise they were going to sign you up for the card and have citibank issue it.
> Now, not only did I not get a letter in the mail, I never had to even agree to this deal. How in the world does Macy’s figure that people are just going to sit back and let them open new credit accounts for them without authorization?
> Well so, I called my attorney and he agrees that I can sue Macy’s for bringing down my credit score (by 30 points) by doing something on my behalf just because I didn’t tell them not to do it.
> My advice is, if you haven’t used your Macy’s card in a while, call them and tell them that you DO NOT want a citibank card. I for one already cancelled the citibank card, and will never shop at Macy’s again for as long as I live.
What. The. Fuck.
---
### Author:  [@EvilJay](https://forums.speedlife.net/u/EvilJay)
#### Post date: [August 11, 2008, 11:00am UTC](https://forums.speedlife.net/t/wtf-macys-v-citibank/53066/2 "2008-08-11T11:00:49Z")
Ouch, people at Macy’s are bigger fggts than Nikuk.
---
### Author:  [@Nikuk](https://forums.speedlife.net/u/Nikuk)
#### Post date: [August 11, 2008, 11:01am UTC](https://forums.speedlife.net/t/wtf-macys-v-citibank/53066/3 "2008-08-11T11:01:23Z")
didn’t read allthatshitbyyou.jpg
Alot of times you can sign up for cards “accidentally”, kinda like how noob PC users can install IE Toolbars accidentally when they are bundled with something else.
---
### Author:  [@Geehee](https://forums.speedlife.net/u/Geehee)
#### Post date: [August 11, 2008, 11:02am UTC](https://forums.speedlife.net/t/wtf-macys-v-citibank/53066/4 "2008-08-11T11:02:33Z")
thats fuckin grimey
---
### Author:  [@eclipsed](https://forums.speedlife.net/u/eclipsed)
#### Post date: [August 11, 2008, 11:02am UTC](https://forums.speedlife.net/t/wtf-macys-v-citibank/53066/5 "2008-08-11T11:02:46Z")
dude, i got a letter from sears like that… i opened a sears charge like 10 yrs ago to get 10% off a lawnmower, and last month they sent me some nonsense that it was getting converted to a mastercard…
i hate this crap.
---
### Author:  [@n20junkie](https://forums.speedlife.net/u/n20junkie)
#### Post date: [August 11, 2008, 11:03am UTC](https://forums.speedlife.net/t/wtf-macys-v-citibank/53066/6 "2008-08-11T11:03:13Z")
That sounds outright illegal. How can someone open credit in your name without your permission.
I have had cards converted from one store to a bank, like a planet hollywood card that when the place closed, turned into a BOA card. But this sounds hands down illegal.
---
### Author:  [@Fry](https://forums.speedlife.net/u/Fry)
#### Post date: [August 11, 2008, 11:06am UTC](https://forums.speedlife.net/t/wtf-macys-v-citibank/53066/7 "2008-08-11T11:06:23Z")
> [@Nikuk](#):
>
> didn’t read allthatshitbyyou.jpg
>
> Alot of times you can sign up for cards “accidentally”, kinda like how noob PC users can install IE Toolbars accidentally when they are bundled with something else.
Nope.
Citibank bought a ton of inactive Macy’s accounts and “upgraded” them to their own cards.
[http://www.debtconsolidationcare.com/settlement/about18626-1.html](http://www.debtconsolidationcare.com/settlement/about18626-1.html)
> **[What is CCSMC SPECTRUM/CBSD](https://ficoforums.myfico.com/t5/Credit-Cards/What-is-CCSMC-SPECTRUM-CBSD/m-p/289902)**
>
> I got an alert today that a new account showed up on my credit report from CCSMC SPECTRUM/CBSD. I googled it and it seems to be a Citi card, found references on some other sites to this showing up on reports as a new account people didn't know...
---
### Author:  [@OfficerK](https://forums.speedlife.net/u/OfficerK)
#### Post date: [August 11, 2008, 11:14am UTC](https://forums.speedlife.net/t/wtf-macys-v-citibank/53066/8 "2008-08-11T11:14:34Z")
Yeah that’s it I am canceling my Macy’s account, I will use it like 1 time a year so whatevs
---
### Author:  [@Dr.Stevil](https://forums.speedlife.net/u/Dr.Stevil)
#### Post date: [August 11, 2008, 11:15am UTC](https://forums.speedlife.net/t/wtf-macys-v-citibank/53066/9 "2008-08-11T11:15:19Z")
holy shit… glad I canceled my Macy’s card when I did. Thats some bullshit right there.
---
### Author:  [@Karter](https://forums.speedlife.net/u/Karter)
#### Post date: [August 11, 2008, 11:16am UTC](https://forums.speedlife.net/t/wtf-macys-v-citibank/53066/10 "2008-08-11T11:16:53Z")
problem solved, dont shop at macys.
---
### Author:  [@Nikuk](https://forums.speedlife.net/u/Nikuk)
#### Post date: [August 11, 2008, 11:19am UTC](https://forums.speedlife.net/t/wtf-macys-v-citibank/53066/11 "2008-08-11T11:19:28Z")
> [@Fry](#):
>
> Nope.
>
> Citibank bought a ton of inactive Macy’s accounts and “upgraded” them to their own cards.
>
> [http://www.debtconsolidationcare.com/settlement/about18626-1.html](http://www.debtconsolidationcare.com/settlement/about18626-1.html)
>
> [What is CCSMC SPECTRUM/CBSD - myFICO® Forums - 289902](http://ficoforums.myfico.com/fico/board/message?message.uid=289902#U289902)
ahh nice.
“agressive marketing”.
not exactly a SOP, but not unheard of.
---
### Author:  [@Tunerfreak](https://forums.speedlife.net/u/Tunerfreak)
#### Post date: [August 11, 2008, 11:22am UTC](https://forums.speedlife.net/t/wtf-macys-v-citibank/53066/12 "2008-08-11T11:22:17Z")
macys does a lot of shitty things i hear all about them at work, the biggest thing i hate is that they offer an extra 20% discount to canadians but the people that live here get shit
---
### Author:  [@Fry](https://forums.speedlife.net/u/Fry)
#### Post date: [August 11, 2008, 11:24am UTC](https://forums.speedlife.net/t/wtf-macys-v-citibank/53066/13 "2008-08-11T11:24:26Z")
> [@Nikuk](#):
>
> ahh nice.
>
> “agressive marketing”.
>
> not exactly a SOP, but not unheard of.
Yep. Not illegal, just shitty. I’m still going to call and close it and dispute it at the credit reporting agencies. Going to close my Macy’s card too.
---
### Author:  [@eclipsed](https://forums.speedlife.net/u/eclipsed)
#### Post date: [August 11, 2008, 11:51am UTC](https://forums.speedlife.net/t/wtf-macys-v-citibank/53066/14 "2008-08-11T11:51:59Z")
having my brother in law pull my credit reports right now for me…
---
### Author:  [@Locutus](https://forums.speedlife.net/u/Locutus)
#### Post date: [August 11, 2008, 11:53am UTC](https://forums.speedlife.net/t/wtf-macys-v-citibank/53066/15 "2008-08-11T11:53:48Z")
how is the new card hurting your credit score?
---
### Author:  [@Fry](https://forums.speedlife.net/u/Fry)
#### Post date: [August 11, 2008, 11:57am UTC](https://forums.speedlife.net/t/wtf-macys-v-citibank/53066/16 "2008-08-11T11:57:19Z")
IIRC opening a new account knocks off a few points?
Oh well. I’m still above 770. :headbang:
---
### Author:  [@Nikuk](https://forums.speedlife.net/u/Nikuk)
#### Post date: [August 11, 2008, 11:59am UTC](https://forums.speedlife.net/t/wtf-macys-v-citibank/53066/17 "2008-08-11T11:59:30Z")
> [@Fry](#):
>
> IIRC opening a new account knocks off a few points?
>
> Oh well. I’m still above 770. :headbang:
F to the mother fucking AIL.
:search: :noob:
---
### Author:  [@Locutus](https://forums.speedlife.net/u/Locutus)
#### Post date: [August 11, 2008, 12:03pm UTC](https://forums.speedlife.net/t/wtf-macys-v-citibank/53066/18 "2008-08-11T12:03:09Z")
> [@Nikuk](#):
>
> F to the mother fucking AIL.
>
> :search: :noob:
wait, did you just agree with me today
:shithitfan:
---
### Author:  [@Fry](https://forums.speedlife.net/u/Fry)
#### Post date: [August 11, 2008, 12:04pm UTC](https://forums.speedlife.net/t/wtf-macys-v-citibank/53066/19 "2008-08-11T12:04:11Z")
> [@myfico.com](#):
>
> You recently opened a new credit account.
>
> Your newest account was opened
> 2 Months ago
> FICO High Achievers [?] opened their most recent account 27 months ago, on average.
> Your FICO score considers how recently you opened a new credit account. People who recently opened a new credit account are slightly more likely to miss future payments than those who have not.
>
> What to do about this: Avoid opening more credit accounts at this time and as a general rule, if you don’t need or plan to use credit, don’t apply for it.
I’m not doubting you, I’m just saying I didn’t pull that out of my ass.
---
### Author:  [@Nikuk](https://forums.speedlife.net/u/Nikuk)
#### Post date: [August 11, 2008, 12:07pm UTC](https://forums.speedlife.net/t/wtf-macys-v-citibank/53066/20 "2008-08-11T12:07:33Z")
Sureshot! & I both have explained this before.
Oh, wait, you’re an engineer…
T H I S A C C O U N T B E I N G N E W L Y O P E N E D W I L L N O T C A U S E Y O U R S C O R E T O D R O P B Y A _F E W P O I N T S_.
[Next page](https://forums.speedlife.net/t/wtf-macys-v-citibank/53066.md?page=2)