Consumer complaint received 2017-09-08
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I purchased a camera ( {$1100.00} ) XX/XX/XXXX with a promotional 0 % interest for 12 months with the value of the camera being paid off. I contacted BestBuy, spoke with XXXX, XX/XX/XXXX because my account showed a promotional balance of {$800.00} for the camera and {$230.00} for a cell phone that I bought XX/XX/XXXX and returned the same month. I pointed out that I 'd returned the phone so I should not have a promotional balance for it and that I 'd paid {$1300.00} between XX/XX/XXXX and XX/XX/XXXX, which more than covered the cost of the camera. XXXX said that I needed to specify, when making payments, that the payments were specifically for the camera. I told him that I was n't informed of that when I made the purchase and no where in the paper work does it say that. He said he would make the adjustments to my account to reflect that the promotional balances were paid off, both the phone and the camera.
I followed up on XX/XX/XXXX and spoke with XXXX because the phone promotional balance of {$230.00} was deleted, but now the camera reflected a promotional balance of {$230.00} - the exact amount of the cell phone purchase. XXXX told me that it could take two billing cycles for the correction to be reflected on my account.
XX/XX/XXXX I called BestBuy again and spoke with XXXX because my account still reflected the promotional balance of {$230.00}. XXXX, then told me that they had made all of the adjustments that they possibly could have and no more could be made. I asked XXXX why is it that the amount that still remains on my account as a promotional balance the very same amount that was paid for the cell phone that I returned. She then claimed that they could not go back and make any adjustments beyond 6 months. Then she said that only payment amounts that were made ABOVE the minimum due could be applied to the promotional balance on the credit card. I told her that it does n't say that on anything that I got after making my promotional balance purchase. I then pointed out to her that the math does n't add up as far as my payments and the ending promotional balance. It 's more than a coincidence that after they removed the {$230.00} promotional balance for the returned cell phone that my remaining promotional balance for the camera is the EXACT same amount as the returned cell phone, {$230.00}. She said she would ask her supervisor about it. After putting me on hold, she came back and said that her supervisor, XXXX, would review it and " will make adjustments that need to happen ''. To make " adjustments that need to happen '' does n't tell me that they will REMOVE the promotional balance that should not be on my account. If they do not remove it by XX/XX/XXXX, they are going to add {$240.00} in interest to my account for the camera, which has already been paid off. To date, I have paid, {$1900.00} to best buy, which more than covers the price of the camera ( {$1100.00} ) The Terms and Conditions language about the 12 month financing, from and email sent to me after opening the credit card, only specifies that " Points are not awarded on promotional credit purchases. '' There is no mention of how my payments will be applied to the promotional balance. Below is my payment history on the account.
Date Payment XX/XX/XXXX {$25.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$150.00} XX/XX/XXXX{$75.00}XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$50.00} XX/XX/XXXX{$50.00} XX/XX/XXXX{$150.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00}XX/XX/XXXX {$400.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX{$50.00}XX/XX/XXXX {$35.00}XX/XX/XXXX {$55.00}XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00} TOTAL {$1900.00}

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 explanation