Credit card or prepaid card -- Advertising and marketing, including promotional offers -- Complaint #7059228
Complaint Overview
Complaint ID: 7059228
Company: Citibank, N.A.
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-Issue: Confusing or misleading advertising about the credit card
State: Missouri
ZIP Code: 64030
Date Received: 2023-06-01T12:00:00-05:00
Date Sent to Company: 2023-06-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/2021 I bought my new house, I went to XXXX XXXXXXXX XXXX store to do some shopping to remodel my house and the register that was in the front offered me {$50.00} free if I paid with the credit card and requested an she offer an increase in my XXXX XXXX XXXX credit card limit, She did not give me any additional information, Only a printed ticket from the register machine and she told me that my credit card would arrive soon with additional information, the credit card did not arrive at my address, nor the additional information, I requested again for the credit card plastic and arrived a week later. I never get additional information about the credit conditions, nor additional details. Just a credit card and statement. I called the number behind the card and asked the operator to affiliate my card to automatic payments and sent me a link to do so, so I did it and from there they began to take my payments from my bank account, This is what I do with all my bills to ensure timely payment. So far it's been 25 months and when I want to use the credit again to remodel my kitchen, the worst news I received was that the entire payment of {$3100.00} for 25 months went to interest and only {$500.00} to payment of principal. I am very dismayed, I have not stopped crying, I feel humiliated and abused to hear from the XXXX Bank agent who answered me yesterday by phone, that there were special conditions and policies that I was totally unaware of and that at the time of offering me the credit card they did not tell me. Many registrars of commercial stores, only fall in love by offering discounts and instant benefits and do not explain that the card does not work as a normal and standard credit to pay for 24 or 36 months, no explain rates, interests or payment terms. I hereby request the full refund of the interest charged to me, as I consider it a violation of my rights as a consumer. Their system Takes {$150.00} approx each month for 25 months is a total of {$3600.00} for interests and that's a lot of money for a low-income family, who were unaware that it didn't work like a standard credit card. And even the debt is intact. XXXX XXXX # Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX Bank
Frequently Asked Questions
What is Complaint #7059228 about?
Complaint #7059228 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 2023-06-01T12:00:00-05:00.
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.