Consumer complaint received 2019-08-31
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I, XXXX XXXX, opened a checking account with Citibank onXX/XX/19 with a promotional offer of XXXX AA miles upon completion of 2 tasks. 

Terms and Conditions of this promotion are as follows : For Citibanks Retail Checking XXXX AAdvantage miles Offer ( XXXX AAdvantage miles Offer ), Eligible Customers are ( 1 ) New-to-Citibank Customers, ( 2 ) who enroll in the AAdvantage XXXX miles Offer, ( 3 ) are at least eighteen ( 18 ) years of age, ( 4 ) have a valid W-9 or XXXX on file with Citibank and are not subject to back-up withholding, ( 5 ) have an AAdvantage account and ( 6 ) perform the qualifying activities indicated below ( Required Activities ). New-to-Citibank Customers can not be current owners of a Citibank consumer checking account or have been an owner on a Citibankconsumer checking account within the last XXXX calendar days before enrollment in the XXXX AAdvantage miles Offer. 

If you are an Eligible Customer and enroll and fulfill required activities ( see required activities below ), you can earn XXXX AAdvantagebonus miles. AAdvantage bonus miles will be credited by Citibank to your AAdvantage account within ninety ( 90 ) calendar days from the date you complete all required activities. At the time the AAdvantage bonus miles are to be credited to your AAdvantage account, you must have an open AAdvantage account and the new Eligible Checking Account must be open and in good standing. 

Eligible Customers must open a new consumer regular or interest checking account in The Citibank Account Package ( Eligible Checking Account ) between XX/XX/XXXX and XX/XX/XXXX. Fiduciary, estate, business and/or trust accounts are not eligible for this Checking Account Offer even if they otherwise meet the definition of Eligible Checking Account. However, trust accounts that are a Living Trust and custodial accounts are eligible. All accounts are subject to approval. 

Within sixty ( 60 ) days of opening the Eligible Checking Account, Eligible Customers must perform the following required activities : Spend at least {$400.00} on qualifying purchases using your, or any authorized users, Citibank Debit or ATM Card. Qualifying purchases must post to the new Eligible Checking Account within sixty ( 60 ) calendar days of account opening2 ; and Download the Citi Mobile App from your app store ( or text XXXX to MYCITI [ XXXX ] to receive a link ) and log in to your new Eligible Checking Account3. 

Below are my purchases totaling more than {$400.00} : XXXX XXXX, XXXX Debit PIN Purchase XXXX # XXXX XXXX XXXX - {$57.00} {$10000.00} XX/XX/2019 Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX MN XXXX - {$25.00} XX/XX/2019 Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX MN XXXX - {$25.00} XX/XX/2019 Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX MN XXXX - {$25.00} XX/XX/2019 Debit PIN Purchase XXXX XXXX XXXX XXXX - {$110.00} {$10000.00} XX/XX/XXXXXXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX MN XXXX - {$8.00} XX/XX/2019 Debit PIN Purchase XXXX XXXX MINNESOT XXXX XXXX - {$3.00} XX/XX/2019 Debit PIN Purchase XXXX # XXXX XXXX XXXX XXXX XXXX - {$66.00} {$10000.00}XX/XX/2019 Debit PIN Purchase XXXX XXXX XXXX XXXX XXXX XXXX - {$56.00} XX/XX/2019 Debit PIN Purchase XXXX XXXX XXXX XXXX XXXX XXXX - {$22.00} XX/XX/2019 Debit PIN Purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$16.00} XX/XX/2019 Debit PIN Purchase XXXX XXXX  # XXXX XXXX XXXX XXXX - {$16.00} XX/XX/2019 Debit PIN Purchase XXXX XXXX XXXX XXXX XXXX XXXX - {$9.00} XX/XX/2019 Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX - {$9.00} {$10000.00} XX/XX/XXXX ACH Electronic Credit XXXX XXXX XXXX XXXX XXXX {$10000.00} {$10000.00} The App was downloaded within a week of opening the account I logged into my new checking account I have made several calls and secure messages to citibank and they can not XXXX find the promotion or not sure what the promotional code would be. Two calls that were over 40 min. long were dropped on there end when I was put on hold.

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