Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XX/XX/year> - I opened a credit card with Citi. The disclosures were as follows 0 % APR on purchases for 24 months. 0 % APR along with XXXX limit. 
XX/XX/year>- Citi sent me information that my card was on the way. 
XXXX XXXX - I spoke with customer service over the phone. The agent informed me she could do nothing regarding the discrepancy. After pleading for over an hour they finally gave me an email. I emailed Citi at XXXX ( about XXXX days ago from today ) showing them documentation of issues I had on XX/XX/XXXX with their app. I also provided a brand new letter I received on XX/XX/year> also offering me the offer ( a second time that I thought I originally received. ) : -- -Start of email is here -- - XXXX To Whom It May Concern, I am writing to formally dispute the APR terms applied to my recently opened Citi credit card account and to request immediate correction. 

I applied for this card using a mailed invitation with a specific offer code and completed the application through Citis mobile app via the QR code provided in that invitation. During the application process, I was presented with disclosures explicitly stating that I qualified for 0 % APR on purchases and balance transfers, with a promotional period of up to 24 months. I accepted the account based on those disclosures. 

However, after receiving the card, my account was opened with a 12.99 % APR taking effect immediately, which directly contradicts the terms disclosed to me at the time of application and acceptance. 

I have retained documentation supporting my position, including : 1. Screenshots from the Citi app with timestamps showing the promotional terms presented during the application process.

2. The disclosures I agreed to, which clearly reflect 0 % APR on both purchases and balance transfers, including a XXXX promotional period. 
3. A newly mailed offer that arrived today, advertising the same promotional terms I reasonably believed I applied for and qualified under. 

This represents a material discrepancy between the credit terms disclosed at acceptance and the terms ultimately applied to my account. Accurate disclosure and adherence to agreed-upon APR terms are required under the Truth in Lending Act ( Regulation Z ). 

Accordingly, I am requesting that Citi : - Conduct a full review of the attached documentation, - Correct my account to reflect the promotional APR terms disclosed and accepted at application, and - Reverse any interest assessed as a result of this discrepancy. 

In addition, I am requesting that Citi provide a formal written response, including : - The specific terms Citi asserts are applicable to my account, - The basis for applying those terms instead of the disclosed promotional offer, and - Copies of all governing account agreements, disclosures, and offer terms Citi is relying upon. 

I require this response in writing so that I may review it with my legal counsel. 

Please confirm receipt of this documentation and advise on the expected timeline for resolution. I am seeking to resolve this matter directly with Citi and expect a substantive written response addressing the issues raised above. 

-- -end of email I sent to Citi ends here complaint continues after this -- - Called Citi at XXXX - Asked to speak with escalations. Was connected to escalations and am currently discussing with an agent. Per the agent 'business department handles this and they are still reviewing the response. There will be no resolution. 

Per the agent this should be honored as she has seen it in the past especially with the information I have.

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