Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Here is the chat transcript. The account opening bonus should have been {$100.00} not {$69.00} Fri XX/XX/year> at XXXXXXXX XXXX  The credit card promotion for opening a card and making the first purchase with my macy 's credit card was supposed to be {$100.00}. Hello my name is XXXX XXXX XXXX Fri XX/XX/year> at XXXXXXXX XXXX XXXX XXXX hope you are doing well. 

Me Fri XX/XX/year> at XXXXXXXX XXXX Order # XXXX was for a total of {$590.00} and I was supposed to recieve 30 % back up to {$100.00} but only a portion of that has been applied to my balance Me Fri XX/XX/year> at XXXXXXXX XXXX I should have recieved the full {$100.00} credit as the opening card bonus XXXX Fri XX/XX/year> at XXXXXXXX XXXX We sincerely regret any inconvenience or difficulty this may have caused you. 

XXXX Fri XX/XX/year> at XXXXXXXX XXXX Thank you for contacting us today! I have read your concern regarding the new account discount. Allow me a moment to pull up your account and check with this. 

XXXX Fri XX/XX/year> at XXXXXXXX XXXX I will need to confirm some account information to proceed. A Secure Form will be sent requesting that information. PLEASE CLICK FILL FORM ONLY ONCE TO OPEN IT. The information provided will not be saved in your chat transcript. 

Virtual Guide Fri XX/XX/year> at XXXXXXXX XXXX XXXXXXXX Secure Form Submit Data Virtual Guide Fri XX/XX/year> at XXXX pm XXXX Secure Form Form is successfully submitted. 

XXXX Fri XX/XX/year> at XXXXXXXX XXXX okay i submitted the form XXXX Fri XX/XX/year> at XXXXXXXX XXXX Thank you for sharing the details. Please allow me a moment to pull up your account. 

XXXX Fri XX/XX/year> at XXXXXXXX XXXX Just to confirm, could you please provide me your last XXXX digits of your card? 

Me Fri XX/XX/year> at XXXX pm XXXX XXXX Fri XX/XX/year> at XXXX pm Thank you for providing the details. Please stay connected. 

Me Fri XX/XX/year> at XXXXXXXX XXXX  okay XXXX Fri XX/XX/year> at XXXXXXXX XXXX  As I reviewed the account, you have made a purchase of {$110.00} which is XXXX Number Quantity Item Tax/Price Item Description Total BIG TICKET XXXX {$16.00} {$210.00} SALES TAX XXXX {$0.00} {$16.00} OTHER PAY TYPE XXXX {$0.00} - {$110.00} Navigation Mode Subtotal Tax Total {$100.00} {$16.00} {$110.00} XXXX Fri XX/XX/year> at XXXXXXXX XXXX And, you already got the new account discount of {$69.00} on the account. 

Me Fri XX/XX/year> at XXXXXXXX XXXX No the total order was for Order # XXXX {$590.00} I had a gift card but when I called customer service they said the 30 % discount would be for the total order amount regardless that I paid part of it with a gift card Me Fri XX/XX/year> at XXXX XXXX up to {$100.00} so I was expecting the {$100.00} credit to my acount XXXX Fri XX/XX/year> at XXXX XXXX I understand. As I reviewed the account, your purchase is showing on the account is {$210.00} and you have paid the {$110.00} with other mode. 

Me Fri XX/XX/year> at XXXXXXXX XXXX That was only XXXX item in the order. THe terms of the credit card opening bonus say that it will be applied to the order not XXXX item in the order XXXX Fri XX/XX/year> at XXXX XXXX And, on that balance. You have already got the new account of 30 % up to {$100.00}. 

XXXX Fri XX/XX/year> at XXXX XXXX I understand but you will get new account discount only on that purchase balance post on the account. 

XXXX Fri XX/XX/year> at XXXXXXXX XXXX And, in the account. Your posted balance is of {$210.00} and you already got the new account discount of {$69.00} on the account. 

XXXX Fri XX/XX/year> at XXXX XXXX Do you have any additional questions I may assist you with today? 

Me Fri XX/XX/year> at XXXXXXXX XXXX Okay I will have to submit a complaint because this is deceptive in the new account bonus terms it says it is applied to the whole order XXXX Fri XX/XX/year> at XXXXXXXX XXXX I'm sorry. I apologize for the inconvenience caused to you. 

XXXX Fri XX/XX/year> at XXXXXXXX XXXX  But, I understand but you will get new account discount only on that purchase balance post on the account. 


And, in the account. Your posted balance is of {$210.00} and you already got the new account discount of {$69.00} on the account. 

XXXX Fri XX/XX/year> at XXXX XXXX I hope I was able to help you with all your concerns. Do you have any other questions that I may assist you with today?

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