Credit card or prepaid card -- Other features, terms, or problems -- Complaint #4733874
Complaint Overview
Complaint ID: 4733874
Company: Citibank, N.A.
Product: Credit card or prepaid 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: Pennsylvania
ZIP Code: 173XX
Date Received: 2021-09-19T12:00:00-05:00
Date Sent to Company: 2021-09-19T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I have several Citibank credit cards, all of which have rewards programs. On my Citi Dividend World Mastercard my XX/XX/21 statement listed {$200.00} in cash rewards. Several days later I received a letter from Citibank stating that the card was being converted to a different rewards program -- the Citi Rewards+ Mastercard -- and that as a consequence my existing rewards where no longer available. I accept Citibank 's decision to change the program, but I feel like they had an obligation to allow me to collect my accumulated rewards before their elimination. To the best of my recollection, I had no warning of this impending change or the impact on my rewards. My habit had been to covert those rewards on an annual basis -- I regarded the rewards as a sort of savings account. It occurs to me that in appropriating these funds, Citibank has taken many thousands of dollars away from customers enrolled in the program. On XX/XX/21 I called my card 's customer support number to complain. The agent consulted with his manager, who authorized {$100.00} credit as a good will gesture. I accepted this offer ( perhaps relinquishing subsequent claims, this was not made explicit ) with the notion that halfway to a solution was better than nothing. But in my mind they still owe me money. And how many more customers are there in the same boat who may not complain because the amounts owed are not worth their time and effort?
Frequently Asked Questions
What is Complaint #4733874 about?
Complaint #4733874 was filed against Citibank, N.A. regarding Credit card or prepaid card specifically about Other features, terms, or problems. It was received by the CFPB on 2021-09-19T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with monetary relief". 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 or prepaid 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.