Credit card or prepaid card -- Advertising and marketing, including promotional offers -- Complaint #5057289
Complaint Overview
Complaint ID: 5057289
Company: Citibank, N.A.
Product: Credit card or prepaid 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: California
ZIP Code: 947XX
Date Received: 2021-12-30T12:00:00-05:00
Date Sent to Company: 2021-12-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2021, I applied for the Citi Custom Cash credit card directly through the Citibank website ( as I feel it's more secure that way ) after seeing an advertisement for it on XXXX XXXX. The advertisement on XXXX XXXX read and still reads that you will receive {$300.00} worth of points after spending {$1000.00} in the first three months. I reasonably assumed this would be the same offer I would receive after applying directly through the Citibank website. After being approved and receiving the card, I found out that Citibank had changed the terms of what they had shown in their advertisement and reduced the promotion to only {$200.00} worth of points after spending {$750.00} in the first three months. I chatted with and called Citi support and was told nothing could be done to change the promotion to the one which was shown in the advertisement for no reason except that they're " unable to. '' I even elevated my request to a supervisor and was told the same thing. This is a classic bait-and-switch and Citi should be disciplined for this, especially since they are refusing to make good on their advertisement.
Frequently Asked Questions
What is Complaint #5057289 about?
Complaint #5057289 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 2021-12-30T12:00:00-05:00.
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.