Credit card or prepaid card -- Other features, terms, or problems -- Complaint #5992577
Complaint Overview
Complaint ID: 5992577
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 rewards from credit card
State: Ohio
ZIP Code: 440XX
Date Received: 2022-09-17T12:00:00-05:00
Date Sent to Company: 2022-09-17T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have a Citi Double Rewards card. I used it at a XXXX XXXX XXXX. I had XXXX rewards points removed from my rewards account automatically without authorizing or accepting the " offer. '' When I called the Citi XXXX rewards program, I was told it is an opt-out process for each transaction. They were willing to offer a XXXX time credit for the most recent deduction I noticed, but were unable/unwilling to " unlink '' the XXXX offer from my account. I was also told that the XXXX program can not be separated and I can not opt-out of this or similar offers. I was told to consider using another credit card at XXXX, XXXX, or XXXX gas stations, as well as XXXX as they all have similar practices. The issue is that the XXXX program automatically gives less value other programs. XXXX gives a cash value of XXXX points per dollar, as compared to XXXX points per XXXX dollar for other conversion options. I am complaining because the practice is deceptive as it requires specific action to prevent the action, and the conversion rate is not disclosed, making it impossible to understand that the conversion is actually removing value and essentially " ripping off '' users.
Frequently Asked Questions
What is Complaint #5992577 about?
Complaint #5992577 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 2022-09-17T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with non-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.