Credit card or prepaid card -- Advertising and marketing, including promotional offers -- Complaint #5038779
Complaint Overview
Complaint ID: 5038779
Company: Citibank, N.A.
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-Issue: Didn't receive advertised or promotional terms
State: Tennessee
ZIP Code: 37214
Date Received: 2021-12-23T12:00:00-05:00
Date Sent to Company: 2021-12-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I made purchases of {$2200.00} through homedepot.com using a Home Depot store card on XX/XX/2021 due to the promotional APR of 0 % offered by Home Depot. However, I see a statement appears to have diverted {$160.00} or more to a XXXX Balance with an unknown interest rate. I am disappointed that I am having to spend more of my unpaid time getting Home Depot to honor the promotional balance when I made a single purchase of {$2200.00} through the website in XXXX distinct purchasing transaction on XX/XX/2021. On XX/XX/2021, I called the customer service number at XXXX to resolve the problem. I spoke with a supervisor named XXXX XXXX XXXX XXXX that attempted to resolve the diverted amount of {$160.00}. However, XXXX started reading a long legal description for individual transaction amounts -- instead of the approximately {$160.00}. I initially agreed to one amount. I was hesitant on subsequent amounts since the legal description was not in writing. I requested the terms in writing. XXXX refused. I restated my request that I have a XXXX & was having difficulty following, so I need the legal description in writing. XXXX refused again & claimed because I gave prior consent that I could not revoke that consent. I restated my position & stated I would have to follow up with a regulatory complaint because there is no reason I should have to resolve individual transactions from XX/XX/2021 due to Home Depot 's error. I ended the call due to the XXXX 's refusal to provide the legal description of the verbal terms stated on the phone call. From XX/XX/XXXX through XXXX, 2021, I continued XXXX Home Depot 's card services through their website homedepot.com/mycard. Home Depot staff continued their refusal to resolve the error, continued their refusal to provide the the verbal terms from XX/XX/2021, and stated they " noted '' the problem but would not resolve it. I am submitting this complaint so that anyone else that makes a purchase through the website under the terms that it was under a 0 % promotional financing does not get deceived by Home Depot diverting their transaction from the 0 % promotional financing. Thank you for your time, XXXX XXXX
Frequently Asked Questions
What is Complaint #5038779 about?
Complaint #5038779 was filed against Citibank, N.A. regarding Credit card or prepaid card specifically about Advertising and marketing, including promotional offers. It was received by the CFPB on 2021-12-23T12:00:00-05:00.
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 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.