Credit card -- Other features, terms, or problems -- Complaint #17882719
Complaint Overview
Complaint ID: 17882719
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: Massachusetts
ZIP Code: 02043
Date Received: 2025-11-24T12:00:00-05:00
Date Sent to Company: 2025-11-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The Citibank LL Bean MasterCard provides Bean Bucks for purchases which become available when you pay off the purchases. I made {$28000.00} in purchases but after paying the card down to {$0.00} I received no Bean Bucks. I theorized that it is because my account briefly fell out of good standing when I had difficulty with my bank and XXXX payments failed and the card went over its limit about twice. Both times I called representatives said that it was not the case. When I contacted customer service in XXXX they denied that my Bean Bucks were revoked and told me I had not earned them. I told the representative that I had just paid off {$28000.00} and that all purchases earn XXXX % at a minimum. The representative told me that they might appear next month and to wait. XXXX months have gone by and I contacted them today. The representative told me that I had not earned any and that is why they are not there. Again, I informed her that I made {$28000.00} in purchases that had not received Bean Bucks and confirmed that all purchases earn a minimum of XXXX %. She said that is correct. I asked if {$15.00} is XXXX % of {$28000.00} and she asked to place me on hold to see what happened to my Bean Bucks. After XXXX minutes I was disconnected. Today the Bean Buck balance is {$15.00} but should be about {$280.00}. Representatives have not made any statements regarding their revocation and their position is that they were never earned.
Frequently Asked Questions
What is Complaint #17882719 about?
Complaint #17882719 was filed against Citibank, N.A. regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2025-11-24T12:00:00-05:00.
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.