Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
( company in complaint is XXXX but they offer a credit card thru American Express ) In XXXX ( day unknown - I never received a receipt and the purchase info is the receipt is not available online or available by contacting XXXX ) 2025, I purchased one set of XXXX XXXX XXXX XXXXXXXX XXXX XXXX from XXXX. This was my first purchase from XXXX. I decided to purchase the chairs because they were on sale and XXXX offers a 20 % discount for a purchase when first using a XXXX credit card ( the 20 % discount is applied with the first credit card payment - note that the credit card says XXXX loyallist American Express ). This was the only way I could afford these very expensive chairs. ( Luckily I saved the salescheck number I was given at the time of the call : XXXX - or else I would have NO way of EVER looking up the order - XXXX seems to have no record of it ). This purchase was may via phone with a rep who confirmed that I would receive the sale price and new credit card discount. 
The chairs arrived missing some pieces so I had to return them. I never paid anything towards the credit card and never received a statement. I called XXXX and saw that chairs were still on sale and the rep I spoke with, XXXX XXXX, ( luckily I saved this name ) assured me I would still be able to get both the sale price and the 20 % new credit card discount. I asked if she would make a note on my account and she said she would. I was on the phone for a very long time with her to create this order. 
As the months went by and I did not receive my replacement order ( Salescheck XXXX ), I called XXXX occasionally to check the status and was told it was delayed. On one occasion in XXXX, I was given a XXXX gift card for {$50.00} because it had now been 4 months since my order. I waited a few weeks and made a purchase of sunscreen for just less than {$50.00} ( {$53.00} with tax ), using the XXXX credit card to pay the difference. 
I was confused and surprised to receive a statement from XXXX for {$12.00} instead of {$3.00}. I called XXXX and spoke with XXXX in credit card services who was very unhelpful. I then wrote to XXXX for assistance ( see attached ). I was unable to get the situation resolved. The primary issues are that XXXX never sent me receipts for either purchase, XXXX does not keep receipts for large items online for ANY purchases- for any person ( why? they will not disclose ), XXXX has no record of ever sending me a gift card ( please note that XXXX has since sent me ANOTHER gift card - see attached communications- they said it was for {$25.00} but it's for {$0.00}! ), XXXX claims I did not use the gift card to make my last purchase ( of course I did! why wouldn't I? ), XXXX can not access the notes left by reps regarding my sales or they never actually never took them, XXXX records calls but refuses to listen to them - I have records of all call dates from my phone carrier XXXX XXXX, and XXXX seems to be completely unreasonable. 
I did my best to understand my payment obligations : {$540.00} for 2 sets of chairs minus a 20 % discount taken when I receive my first credit card statement. Unfortunately the chairs have taken over four months and I was sent a gift card and made a purchase before I received a statement for the chairs. I did my best to purchase something within the {$50.00} that XXXX 's gave me but there is almost nothing available at that price. The item that I purchased was a product that was less than XXXX XXXX Something extremely expensive that I would never normally purchase. I live on Social Security and the chairs that I purchased were an extravagance for me. I am hoping that XXXX 's will listen to the recorded calls and realise that the chairs were in fact on sale and I was told on several occasions that I would in fact get the 20 % discount for using the credit card. Of course the only reason I applied for the credit card was the chair purchase.

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