Credit card or prepaid card -- Advertising and marketing, including promotional offers -- Complaint #5400397
Complaint Overview
Complaint ID: 5400397
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: Texas
ZIP Code: 78717
Date Received: 2022-04-02T12:00:00-05:00
Date Sent to Company: 2022-04-02T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I contacted Citibank credit cards about my Citi Prestige credit card in XX/XX/XXXX. I wanted to cancel my card due to the high annual fee but they offered me a retention promotion. They said several times I needed to spend {$4000.00} in 3 months by XX/XX/XXXX and I even gave the representative from the retention department an example where I said if I spend {$4000.00} tomorrow Ill qualify and she said yes, as long as its after today. After several billing cycles I noticed there was no credit so I reached out to the customer service via Citi mobile app on XXXX occasions. The first time, they told me the details of the promotion in writing, again not mentioning that it was PER MONTH. I followed up and got no response at all. After this I contacted them again and they told me I already received it when it was an unrelated offer regarding points and not the statement credit. Finally, I contacted them a third time and they said to call them but the department was closed. I dont know if Citi is systematically lying or it was this one representative but there might be some grounds for a class action lawsuit or something of that nature since Ive had to contact them on 7 occasions now and the issue seems purposefully misleading and unreasonably difficult. There may be thousands of people experiencing this. Im on the phone now and they are telling me since I didnt meet the requirements they cant credit me. This is unbelievable, I thought by manually contacting the department in charge I would be able to get it in the end. I kept this card account open and spent over {$11000.00} more due to deception
Frequently Asked Questions
What is Complaint #5400397 about?
Complaint #5400397 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 2022-04-02T12:00:00-05:00.
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.