Consumer complaint received 2024-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Updated complaint : Citi 's response in pointing to terms and conditions is irrevocably incorrect. I took the necessary steps through multiple channels to locate my card number as it was indicated in the marketing materials. I called customer service three times and used the online chat at least three times to request information on how to locate the card number. In none of my outreach was a Citi representative able to provide any direction or guidance on how to access the card number. 
I am asking the CFPB to open an investigation against Citi on marketing practices as it appears they are either falsely advertising or they have not adequately trained their employees on how to handle these requests. 
I spent over 4 hours trying to get the card number after it was instantly approved and no Citi representative after at least 6 contact points was able to provide or guide to the information that the terms and conditions & marketing material suggest is available. 



Original complaint submitted : Citi violated UDAAP violation regarding sections 1031 and 1036 of the Dodd-Frank Act. I had researched the Citi credit cards and learned from the Citi Entertainment FAQs website ( https : //citientertainment.com/faq ) about certain benefits and features of Citi credit cards which included stating that applicants who apply online and are approved for the Citi Rewards+ card may also request instant access to their card 's temporary account details upon request. On XX/XX/year> I submitted a credit card application to Citi and received instant approval for a Citi Rewards+ card. I then learned certain aspects of the Citi credit card offerings and process are deceptive and misleading after I applied for the Citi Rewards+ card specifically to have the ability to purchase event presale tickets same day which upon closer examination, turned out to be false. Even one of the post-application Citi webpages indicated that I can request instant access to my cards temporary account details. The temporary card details were needed to purchase presale event tickets and I was unable to access any card detail through the Citi app, Citi website, Citi customer service chat, and Citi customer service phone team. The above website statement is false as none of the customer service agents were able to provide the temporary card details, even through multiple attempts to contact Citi, and I was advised that either this was not possible or I had to wait an additional XXXX hours which did not prove to be true. This has caused a major inconvenience and inability to purchase event tickets due to the inability to obtain the temporary card number which I met the criteria advertised on the Citi Entertainment FAQs and on the post-application Citi webpage for the Citi Rewards+ card.

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