Credit card or prepaid card -- Other features, terms, or problems -- Complaint #5194600
Complaint Overview
Complaint ID: 5194600
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 balance transfer
State: New York
ZIP Code: 13760
Date Received: 2022-02-07T12:00:00-05:00
Date Sent to Company: 2022-02-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XXXX XXXX I accepted the promotional offer from Citicard to transfer balances to my card for an XXXX of XXXX XXXX that " applies to each transferred balance made under this offer until XX/XX/XXXX. '' I am a long time reliable customer with a respectable history with Citicard. I received a confirmation of the offer dated XX/XX/XXXX. Now that I accepted their offer, this document states " This rate doesn't modify the current rates of any existing balances you may have on your account. '' My account reflects a XXXX XXXX XXXX, not a XXXX XXXX XXXX as promised. I accepted their offer in good faith. I contacted Citicard and was not able to communicate with the customer representative due to his obvious use of XXXX as a second language. We tried and finally I requested to speak with a supervisor. He resisted and then said he was putting the call on hold. The call was disconnected. I believe I am a victim of a bait and switch tactic from Citicard or a grievous error. I am asking for my account to be adjusted to correctly reflect the XXXX of XXXX XXXX as offered. I am not a novice or of low intelligence and I am insulted to be disrespected in this manner.
Frequently Asked Questions
What is Complaint #5194600 about?
Complaint #5194600 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 2022-02-07T12:00:00-05:00.
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.