Consumer complaint received 2020-02-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
( 1 ) Citibank is NOT fulfilling the terms of their promotion for new Citi XXXX XXXX Platinum Select Mastercard accounts. On XX/XX/XXXX, in response to a promotional invitation from XXXX XXXX, I applied for a Citi XXXX XXXX Platinum Select Mastercard. The terms of the promotional invitation ( see XXXX ) were that if I spent {$3000.00} on the Citi XXXX XXXX Platinum Select Mastercard within 3 months, I would receive XXXX XXXX XXXX miles. By XX/XX/XXXX ( see credit card statement XXXX ), less than 1.5 months after being approved for the credit card, I had spent {$3300.00} on my Citi XXXX XXXX Platinum Select Mastercard.

As of now ( more than 4 months after I finished spending {$3000.00} on my Citi credit card ), I still have not received my XXXX XXXX XXXX miles. 

( 2 ) After many phone calls and live chats with Citi, I received two letters from Citi dated XX/XX/XXXX and XX/XX/XXXX ( see XXXX and XXXX ). Both letters informed me that " XXXX XXXX AAdvantage bonus miles are not available if you have received a new account bonus for a Citi / AAdvantage Platinum Select account in the past 48 months. '' This was the reason why I had not received my XXXX bonus XXXX XXXX miles. 

( 3 ) I am filing this complaint because the terms and conditions of _my_ Citi XXXX XXXX Platinum Select credit card application explicitly did NOT include the language that " XXXX XXXX AAdvantage bonus miles are not available if you have received a new account bonus for a Citi / AAdvantage Platinum Select account in the past 48 months. '' In fact, the major difference between _my_ Citi XXXX XXXX Platinum Select credit card application ( see XXXX ) and the _standard_ Citi XXXX Airlines application ( see XXXX ) is that the 48 month restriction for bonus XXXX XXXX miles appears only on the _standard_ Citi XXXX XXXX   application. In the _standard_ Citi XXXX XXXX application ( see  XXXX ), the second line under the title ( " Citi / AAdvantage Platinum Select World Elite Mastercard '' ) explicitly contains the words : " XXXX XXXX AAdvantage bonus miles are not available if you have received a new account bonus for a Citi / AAdvantage Platinum Select account in the past 48 months. '' However, _my_ application for the Citi XXXX XXXX Platinum Select Mastercard ( see XXXX ), explicitly contains no language anywhere about the 48 month restriction on bonus miles. Unlike the _standard_ application ( see XXXX ) for the Citi XXXX XXXX  Platinum Select Mastercard , the lines under the title ( " Citi / AAdvantage Platinum Select World Elite Mastercard '' ) on _my_ application ( see  XXXX ) make no mention of the 48 month restriction on bonus XXXX XXXX  miles. In fact, this 48 month restriction on bonus miles does not appear _anywhere_ on _my_ Citi credit card application ( XXXX ). 

Thus, the 48 month restriction on bonus XXXX XXXX miles is irrelevant, because it did not appear anywhere on _my_ Citi credit card application ( XXXX ).  Citibank must honor the terms and conditions of _my_ Citi credit card application. 

( 4 ) Since I have fulfilled the terms and conditions of _my_ Citi  XXXX XXXX Platinum Select credit card application , Citibank must credit my XXXX XXXX frequent flier account  with XXXX XXXX XXXX  miles .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief