Consumer complaint received 2016-08-09
Company: CITIBANK, N.A.
State: IA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This is a follow-up to Case number : XXXX. I disputed the resolution to that case and am resubmitting the case with additional evidence supporting my position. 

Here is a summary of the description from the prior case : I applied for a Citigold Checking account with Citibank on XXXX/XXXX/XXXX after receiving the promotion code XXXX. The requirements for this promotion were to open a Citigold checking account, make one bill pay transaction for two consecutive months, and make {$1000.00} in purchases via the debit card. Upon completion of the promotion requirements, I would receive XXXX AAdvantage Miles. Citibank opened my Citigold Checking Acct in early XXXX XXXX. I promptly deposited funds and began working to satisfy the promotion requirements. I completed the bill payments on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I completed the {$1000.00} in debit card purchases on XXXX/XXXX/XXXX. Following completion of the requirements, I contacted Citibank customer services and was informed that I had met the requirements and the miles would be post XXXX statements after the period in which I met the requirements. Given the requirements were completed in XX/XX/XXXX and the XX/XX/XXXX statement closed on XXXX/XXXX/XXXX, I expect the miles to post XX/XX/XXXX or XX/XX/XXXX. After not receiving the XXXX AAdvantage miles by XX/XX/XXXX, I sent a message to Citibank via the messaging function on their website on XXXX XXXX, XXXX. After several weeks I received a letter from Citibank on XXXX XXXX, XXXX indicating that after investigation they determined that I was not actually eligible for the promotion. This contradicts information previously provided to me by Citibank customer service. 

Citi response ( summary ) : In our review we found that the offer in question, promotional code XXXX, was not directed to you. Upon review of your interaction with our Citibank representatives via chat, phone, and online message, we found no evidence of misinformation. Please be advised that although you may choose to enter any given promotion code during the online application process, the promotion eligibility itself is still subject to verification. For this reason we must respectfully decline your request for the XXXX AAdvantage miles promotion. 
If you would like us to research this matter further, please provide us with documentation showing you were solicited for the promotion. We thank you for the opportunity to respond to your concerns and look forward to serving you in the future. 

Based on Citi 's response for additional information, I do not understand how Citibank can deny my request by indicating that the promotion code XXXX was not directed to me. I am attaching the Promotional Disclosure that I printed upon submission of the application for the Citigold checking account on XXXX/XXXX/XXXX. The first sentence of the Terms and Conditions section of the Disclosure clearly states that promotional offer was attached to my account ( i.e. " This offer is available to Citi/AAdvantage credit cardmembers who receive this communication ). I have been a Citi/AAdvantage credit cardmember since XX/XX/XXXX. Included in the attached image is a copy of the my Citi AAdvantage credit card. In addition to receiving the XXXX AAdvantage miles due to me, I am also requesting that Citibank remove the past 3 monthly account fees charged to my Citigold checking account ( $ XXXX/month = {$90.00} total ) to compensate for my inconvenience of having to repeatedly follow-up with Citi regarding this offer. 
Sincerely, XXXX 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 monetary relief