Credit card or prepaid card -- Advertising and marketing, including promotional offers -- Complaint #5677867
Complaint Overview
Complaint ID: 5677867
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: Virginia
ZIP Code: 22015
Date Received: 2022-06-16T12:00:00-05:00
Date Sent to Company: 2022-06-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/2022 I enrolled in a Home Depot Consumer Credit ( operated by Citibank ) which advertised a savings of {$50.00} off the first Home Depot purchase of {$500.00} - XXXX using the card. The advertisement for the card listed several exclusions, but did not state that the {$50.00} could not be combined with any other offer. On XX/XX/2022, after enrolling in the Home Depot Consumer Credit Card, I attempted to make an online purchase on homedepot.com of {$850.00} but was unable to access the advertised {$50.00} savings online. I called Home Depot Consumer Credit on XX/XX/XXXX and spoke with an associate who confirmed I was eligible for the {$50.00} savings, that I should go ahead and make the purchase, and then call back 48-72 hours after making the purchase to request that the {$50.00} savings be applied to my purchase retroactively. Based on this guidance, I proceeded to place the order on homedepot.com. On XX/XX/XXXX, I called Home Depot Consumer Credit and to request that the {$50.00} savings be applied to my purchase. At that time, I was advised that I was not eligible for the {$50.00} savings because I had already received a 10 % veterans ' discount on the purchase from Home Depot and the Home Depot Consumer Credit Card {$50.00} savings could not be combined with any other offer.
Frequently Asked Questions
What is Complaint #5677867 about?
Complaint #5677867 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 2022-06-16T12:00:00-05:00.
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.