Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On or about XX/XX/XXXX, my family and I traveled to XXXX XXXX  XXXX. While in Macys we were approached at check out in the girls department about opening a credit account. I told the sales person no because I already have a store card. She encouraged me to apply for the XXXX XXXX card because I could get 30 % off my purchases for the next two days. I was intrigued and repeated 30 %? She did explain that this discount would not be immediate, but would be reflected on my statement. My husband, upon hearing the shopping discount, agreed that we should do it. She started the application and I was approved. 

Knowing that we would have the 30 % discount, my husband set out shopping to really enhance his wardrobe. Since we were in town for XX/XX/XXXX and XXXX, XXXX, we shopped in Macys on both Saturday and Sunday. While I did make a purchase in Cosmetics, the majority of the purchases were for my husbands items in the Mens Departments and the initial purchases in the Girls Departments. We spent approximately {$2200.00} that weekend. There were great deals in the Mens Departments -- -we purchased at least three suits, seven dress shirts, three sweaters, an overcoat, a blazer and two pairs of shoes. 

I recently received my statement. Imagine my surprise when I did not see the 30 percent discount reflected on my statement. I called Macys to discuss my concerns about the error. I did submit a complaint online but have not received a response. While contacting the store, I was advised by someone on the phone that this happens a lot, as there are incentives for credit card applications, and there may have been a limit on the amount of the discount. There was never information shared regarding restrictions or limitations on the discount being applied -- -and we relied on the 30 percent discount and made purchases knowing that the items would be discounted on the upcoming statement. 

The current statement balance from the dates in question is {$2200.00}. I am asking you to honor the 30 % discount and credit my account in the amount of {$660.00}. 

I submitted a complaint in writing on or about XX/XX/XXXX. I received a letter on XX/XX/XXXX that referenced the dispute in the amount of {$990.00}, which was not the amount I disputed and it stated that it would not issue a credit. I have called the dispute line twice to discuss this, each time I am told that they will escalate my complaint, refund the interest and later charges. I have not received a response. 

XXXX XX/XX/XXXX, I received a collection notice by email with a settle the outstanding balance in the amount of {$1300.00}. I do not have a problem with paying the outstanding balance that I believe that I owe ( {$1500.00} ), but Macy 's has taken no responsibility in its unfair and deceptive practices. This is not a settlement but should be a dispute resolution, that should not adversely affect my credit and should be reported to the IRS. 

I feel like I have gotten the run around and would like assistance in resolving this matter.

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