Consumer complaint received 2018-05-29
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, On XX/XX/XXXX, I opened a Citi Gold Account at a local branch ( XXXX XXXX ). The Offer that I received by mail ( offer number/ invitation code : XXXX ) stated, that I could get up to {$700.00} in cash if I met certain requirements. I chose to open a Citi gold checking account, spending {$1000.00} within 60 days and paying 1 or more bills for two consecutive calendar months. The offer states : " If you Fulfill the required activities for this offer and are eligible under the qualifications of this promotion then the cash bonus will be credited to your new Citibank checking account within 90 calendar days from the date when you completed all promotion requirements ... ..The amount of cash bonus credited will be based on your account package at the time of qualification. '' Following the rules, I spent more than {$1000.00} and paid two bills by XX/XX/XXXX. On XX/XX/XXXX ( can't remember the exact date ) I called to verify if I met all the requirements and should expect the {$700.00} bonus. A representative said that yes, My account was Citi Gold checking, I have spent {$1000.00} ( qualifying transactions ) and made bill payments for two consecutive months. Since I made all the requirements, I switched from Citigold checking to basic Banking ( it had $ 12 monthly fee vs {$30.00} on Citigold ) and just waited for the bonus. On the XX/XX/XXXX, I received a {$50.00} bonus from Citibank on tho my account, which is {$650.00} short from the promotion promised. I contacted the bank on the XX/XX/XXXX about the issue and a day later on the XX/XX/XXXX received a reply : " Thank you for your inquiry on XX/XX/XXXX regarding your Checking account number ending in XXXX. We have completed our research and the results are as follows : We have confirmed that your account has met the necessary requirements to qualify for Promotion XXXX. Please allow 90 days from the date of the qualifying transaction ( s ), which satisfied the terms and conditions, to receive your incentive. Thank you for participating in Citibank 's promotion. '' This answer didn't answer the question since I was suppose to get {$700.00} and I had to contact again on the XX/XX/XXXX. Two days later I received a reply : " Thank you for your inquiry on XX/XX/XXXX regarding your Checking account number ending in XXXX. We have completed our research and the results are as follows : Our records indicate that your account was credited {$50.00} on XX/XX/XXXX, for meeting the required terms and conditions for Promotion XXXX. The terms and conditions of Promotion XXXX are as follows : Open a Regular Checking account in the Citigold Account package by XX/XX/XXXX. Within 60 days after account opening, complete one or more qualifying bill payments for two consecutive calendar months and spend the {$1000.00} required minimum amount on purchases using your Citibank Debit Card. Only targeted Primary Cardholder is eligible to receive this offer and must be enrolled in eCRM to receive incentive. Unfortunately, your account does not qualify for the promotion because the required debit card purchase were not made within the stated timeframe. '' Banks discovery is false! -They state that I haven't spent {$1000.00} within the timeframe ( Why would they credit me {$50.00} if I didn't??? ) -I have recalculated several times and always get a number above {$1000.00} ( please see below and will be attaching a TXT document ) -They rewarded me with {$50.00} like I opened Basic Banking checking account ( I have a document that I opened a Citigold checking ) I want to ask you to investigate and present this to Citibank, as I have used all means of communication, was denied twice and this has been going for more than 6 months. Appreciate you time and help. Thank you. Cleared XX/XX/XXXX Deposit XXXX # XXXX XXXX Cleared XX/XX/XXXX Interest Payment XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Bill Payment XXXX XXXX XXXX XXXX Cleared XX/XX/XXXX Bill Payment XXXX XXXX XXXX XXXX XXXX XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Transfer From XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX # XXXX XXXX Cleared XX/XX/XXXX Interest Payment XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX Cleared XX/XX/XXXX Bill Payment XXXX XXXX XXXX XXXX XXXX XXXX Cleared XX/XX/XXXX Bill Payment XXXX  XXXX XXXX XXXX Cleared XX/XX/XXXX Deposit XXXX # XXXX XXXX XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX # XXXX XXXX Cleared XX/XX/XXXX Debit PIN Purchase XXXX Cleared XX/XX/XXXX Transfer From XXXX Cleared XX/XX/XXXX XXXX XXXX XXXX Cleared XX/XX/XXXX Promotional Rewards Credit XXXX Cleared XX/XX/XXXX XXXX XXXX XXXX Cleared XX/XX/XXXX XXXX XXXX XXXX Cleared XX/XX/XXXX XXXX XXXX XXXX Cleared XX/XX/XXXX XXXX XXXX XXXX Cleared XX/XX/XXXX XXXX XXXX XXXX Cleared XX/XX/XXXX Monthly Service Fee XXXX Cleared XX/XX/XXXX Monthly Service Fee XXXX

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