Credit card -- Advertising and marketing, including promotional offers -- Complaint #17754024
Complaint Overview
Complaint ID: 17754024
Company: Citibank, N.A.
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-Issue: Confusing or misleading advertising about the credit card
State: Texas
ZIP Code: 75219
Date Received: 2025-11-22T12:00:00-05:00
Date Sent to Company: 2025-11-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I called twice. Once because I was having issues logging into my account and the second time because I forgot to ask why deferred interest promotion hasn't decreased since I have made a payments over the minimum amount due since XX/XX/year>. I was told I had to call and request it before making my payments. I mentioned how I have called almost every month and no one has every suggested I request after looking at my account, but are quick to offer additional sales opportunites. I asked if an exception be made since I wasn't aware I actually had to call and I couldn't locate any information in any of the emails which stated I needed to call and personally requested the extra payments be made to my XXXX deferred interest promotional balance. Even after the escalation to a supervisor, I was told that they couldn't do anything about the past but that have activated my account so that future payments above the minimum amount due will be applied to the XXXX different balances. If they could offer on this phone call, why wasn't it offered on others. Even the customer service agent, XXXX, stated I was correct and the extra payments should have been applied. If the customer service agent wasn't aware of this protocol and he works there, how am I supposed to be aware as a consumer? It was made very clear Citibank was more concerned about making money than helping their customer of almost 20 years save interest.
Frequently Asked Questions
What is Complaint #17754024 about?
Complaint #17754024 was filed against Citibank, N.A. regarding Credit card specifically about Advertising and marketing, including promotional offers. It was received by the CFPB on 2025-11-22T12:00:00-05:00.
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.