Credit card -- Advertising and marketing, including promotional offers -- Complaint #8117544
Complaint Overview
Complaint ID: 8117544
Company: Citibank, N.A.
Product: Credit card
Sub-Product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-Issue: Didn't receive advertised or promotional terms
State: New York
ZIP Code: 125XX
Date Received: 2024-01-06T12:00:00-05:00
Date Sent to Company: 2024-01-06T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello, I bought {$2900.00} of flooring from the XXXX XXXX on XX/XX/2022. I was encouraged by the salesperson to take the Home Depot credit card because my purchase was over {$2000.00} so I could get 24 months interest-free. I took the offer because of the 0 % interest. Otherwise, I would have paid out-of-pocket on the day. Once the first bill arrived, I divided the total amount by XXXX and set up XXXX equal auto-payments of {$130.00} so it would be paid off before any interest accrued. I didn't go back to look at the account or the agreement once it was up and running. So now that 12 months have gone by, I did log in just to see what the balance was, expecting to see about {$1500.00}. Well, no, in fact they started charging me interest in XXXX after only XXXX months, including deferred interest. I talked to a couple of XXXX call center people, including a XXXX. They were very nice, but they were reading off a script and would not deviate from the script. They were only authorized to adjust the interest from the most recent 60 days, and only if I paid the full balance immediately. So far, Ive been charged about {$700.00} in interest charges, which I would like to be removed from my account. I would be happy to pay off the entire balance immediately and close the account, but I dont want to pay the interest. I see on the CFPB website that dozens of other consumers have had the exact same experience. Can you help me resolve the issue, please?
Frequently Asked Questions
What is Complaint #8117544 about?
Complaint #8117544 was filed against Citibank, N.A. regarding Credit card specifically about Advertising and marketing, including promotional offers. It was received by the CFPB on 2024-01-06T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with 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) 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.