Credit card -- Advertising and marketing, including promotional offers -- Complaint #17985722
Complaint Overview
Complaint ID: 17985722
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: Didn't receive advertised or promotional terms
State: Texas
ZIP Code: 752XX
Date Received: 2025-11-27T12:00:00-05:00
Date Sent to Company: 2025-11-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
So in XXXX I received an option to apply for a Citi XXXX XXXX with an offer to make balance transfers, carrying a 0 % APR for 21 months. I applied and was approved. I was able to set 3 transfers up, all of which went through once I had the card in my hand and active. Those went through with no issues. Then, upon trying another one at the end of XXXX, a fraud alert was placed on the transaction. I called and was verified and cleared, told to replace the balance transfer on my account, and again, they put a fraud on the account. This has taken place now four times, and balance transfers are never allowed to be processed. Causing hours on the phone, causing interest charges on other cards because valid balance transfers were not processed as per the agreement I have with Citi. They refuse to use my only phone number listed on my account to verify the account. They need to update their verification process and use consumer-friendly options. Please HELP!
Frequently Asked Questions
What is Complaint #17985722 about?
Complaint #17985722 was filed against Citibank, N.A. regarding Credit card specifically about Advertising and marketing, including promotional offers. It was received by the CFPB on 2025-11-27T12:00:00-05:00.
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.