Checking or savings account -- Opening an account -- Complaint #7505484
Complaint Overview
Complaint ID: 7505484
Company: Citibank, N.A.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Opening an account
Sub-Issue: Didn't receive terms that were advertised
State: Virginia
ZIP Code: 222XX
Date Received: 2023-09-05T12:00:00-05:00
Date Sent to Company: 2023-09-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
In response to the following promotion, I opened a new checking account with Citibank on XX/XX/XXXX. EARN UP TO XXXX AAdvantage bonus miles* after completing the following required activities : OPEN a new checking account and enroll in the offer the same day before XX/XX/XXXX SPEND the required minimum amount on purchases using your Citibank Debit Card within 90 days after account opening MAKE at least 2 Enhanced Direct Deposits totaling {$1000.00} within the first 90 days of opening your eligible checking account within the same 90-day window YOUR AAdvantage bonus miles will be credited to your AAdvantage account within 30 calendar days from the date you complete all required activities Per the terms of the offer, I was to receive XXXX AAdvantage bonus miles 30 calendar days from the date I complete all required activities. Since I completed all of the " required activities '' on XX/XX/XXXX, I should have received these miles on or about XX/XX/XXXX. It has now been 60 calendar days and I have not received the promised miles. I called Citibank on XX/XX/XXXX, and requested that they investigate this matter. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX, stating that " Unfortunately, we are unable to provide the status on fulfillment of the promotion. Fulfillment of the promotional offer is made systematically ; therefore, you would need to allow up to 90 days from the date of satisfying the terms of the promotion to receive the incentive. '' This directly contradicts the terms of the offer that state : " YOUR AAdvantage bonus miles will be credited to your AAdvantage account within 30 calendar days from the date you complete all required activities. ''
Frequently Asked Questions
What is Complaint #7505484 about?
Complaint #7505484 was filed against Citibank, N.A. regarding Checking or savings account specifically about Opening an account. It was received by the CFPB on 2023-09-05T12:00:00-05:00.
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 (Checking or savings account) 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.