Consumer complaint received 2016-06-20
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I want to send a serious complain about the terrible & not trust worthy practice Citibank is doing for their CitiGold checking account. I got invitation to open a CitiGold Checking account to open a $ XXXX checking account for a XXXX XXXX XXXX miles promotion by meeting couple usage requirements, I got confirmation in XXXX XXXX that I met the CitiGold AA bonus miles promotion ( seen following email ). In XXXX XXXX, I got confirmation I did meet the usage requirement and I will get my XXXX XXXX miles by XXXX/XXXX/XXXX. 

I never got a bonus XXXX miles and I queried CitiGold 10 days ago and they said they XXXX and ca n't award the XXXX miles. 

I am request CFPB to step in to help me to resolve this False Citigold Checking promotion and get my XXXX miles credit ASAP. 
Thanks so much to protect consumer like me. 

XXXX XXXX Citigold Account XXXX XXXXXXXXXXXX XXXX From : XXXX XXXX XXXX Date : XX/XX/XXXX Account Number : Interest Checking XXXX Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX XXXX, Welcome to Citibank, my name is XXXX. After carefully reviewing your account, I confirmed you have completed all requirements associated with promotion code, XXXX. 

To set your expectations, the XXXX bonus miles are automatically credited 90 days from the end of the statement cycle in which the requirements were completed. Since the requirements were completed in XX/XX/XXXX, I was able to calculate that the bonus miles will be credited to your AAdvantage account by XXXX/XXXX/XXXX, which will be viewable on your XX/XX/XXXX statement. 

My goal is to thoroughly address all of your concerns today, and if you would like to be notified on the status of your bill payments, I would like to suggest our wireless alerts service. This service provides you with the option to receive notices two business days prior to bill payments scheduled dates, can not be issued due to insufficient funds, and when bill payments have not cleared in 15 calendar days. To set up wireless alerts please click on the " Enroll in/Manage Citi Alerting Service '' from the " Account Services & Enrollments '' menu located on the " Account Management '' page. 




XXXX From : XXXX XXXX XXXX Date : XX/XX/XXXX Account Number : Interest Checking XXXX Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Welcome to Citigold 's Online Message Service, my name is XXXX and I hope that you are having a pleasant day today. I will be pleased to provide more information Thank you for choosing Citibank for your financial needs! 

I can confirm that you are enrolled in the promotion XXXX for XXXX XXXX miles. As a reminder, the requirements for this promotion are as follows : - Open a new Regular Checking account in the Citigold Account Package by XXXX/XXXX/XXXX. 
- Within 60 days after account opening ( by XXXX/XXXX/XXXX ) : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank Debit Card which must be posted to the new checking account. 
- And 1 qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 

Qualifying bill payments are those made using Citibank Online, Citi Mobile or CitiPhone Banking. Bills paid by making a transfer between linked accounts and/or transfer payments made to accounts within Citibank or to accounts with Citibank affiliates do not qualify as bill payments for this offer. 

The AAdvantage bonus miles will then be credited by Citibank to your AAdvantage account within 90 days from the end of the statement period in which you complete all offer requirements. Please note, it does take another statement cycle after the miles are processed for them to reflect your AAdvantage account.

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