Credit card or prepaid card -- Advertising and marketing, including promotional offers -- Complaint #5536493
Complaint Overview
Complaint ID: 5536493
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: Confusing or misleading advertising about the credit card
State: California
ZIP Code: 94585
Date Received: 2022-05-03T12:00:00-05:00
Date Sent to Company: 2022-05-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/22 I had logged into my Home Depot XXXX XXXX account for a purchase. Home Depot promoted their pro account revolving card. I do no own a business. I was looking for a credit card for myself and thought just because I had a pro rewards it wouldnt be commercial. I followed to application process and got the approval. After the approval I realized I was in the wrong card and contacted Home Depot within 3 business days. I contacted Home Depot to inform them of the mistake and speak with their credit department and discovered this was in fact a commercial credit card. I requested they change the card to a pro rewards consumer card however that did not seem to be an option. After speaking with representatives I decided I may be able to use this card. However the credit limit I received was only {$1000.00}. I requested for a credit limit increase that would be more suitable. I spoke with several representative from Citi to determine how I was only approved for {$1000.00} I have a XXXX credit score / making {$100000.00} year. They indicated the credit application asks average monthly Home Depot Spending I input {$1000.00}. The credit resolution representative advised me thats the language they use to imply requested credit limit Once I found out I was mislead and the credit application was worded I got angry and asked how I can get out of the credit card. I was told other than closing the card there was no way. This would negatively impact my credit score/credit report for an all around terrible experience being mislead and misrepresented by Home Depot and XXXX
Frequently Asked Questions
What is Complaint #5536493 about?
Complaint #5536493 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 2022-05-03T12:00:00-05:00.
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.