Credit card -- Other features, terms, or problems -- Complaint #12662960
Complaint Overview
Complaint ID: 12662960
Company: Citibank, N.A.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Problem with rewards from credit card
State: Hawaii
ZIP Code: 96815
Date Received: 2025-03-24T12:00:00-05:00
Date Sent to Company: 2025-03-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Today, XX/XX/XXXX I used my Citi Double Cash Back credit card at XXXX to make a purchase. An on screen messaged popped up asking me if I want to redeem points for a bill reduction at the rate of XXXX points for {$20.00} off. Thinking those were XXXX points I had accumulated I said yes only after to find out that those were Citi Thank You reward points. I tried undoing the transaction immediately with Citi but the representative told me there is nothing they can do since I was signed up to use rewards with participating merchants. I have never signed up for such program. Moreover the program offers a redemption rate far less than the rate of {$0.00} per point one can get for statement credit. I believe this is a predatory program aimed at taking advantage of customers who do not pay close attention when checking out at a store. The bank knows that this redemption rate is very disadvantageous to customers and this is why it enrolls customers into it without their knowledge hoping to take advantage.
Frequently Asked Questions
What is Complaint #12662960 about?
Complaint #12662960 was filed against Citibank, N.A. regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2025-03-24T12:00:00-05:00.
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) 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.