Consumer complaint received 2025-02-26 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: OH

Complaint narrative:
On XX/XX/year>2025 I was booking a flight through the XXXX XXXX XXXX XXXX and received an offer to open a new Citi AAdvantage Platinum Select World XXXX Mastercard with the following terms ( Screenshots provided ) : Up o {$400.00} Statement credit + XXXX Bonus miles and {$0.00} intro annual fee for the first year. The {$400.00} statement credit being contingent on purchasing an XXXX flight within 6 months of opening the account. 

I applied for this card through the promotional link in the XXXX Application which took me to Citi Bank 's credit card application site. Upon approval for the card, they provided the temporary card info to be able to finish booking my flight. I booked the flight for {$580.00} and it even showed a preview of the total, less the pending {$400.00} statement credit for a total flight cost of {$180.00}. 

Upon receiving my first statement from Citi they only applied a {$200.00} statement credit. 

XX/XX/year>2025 I attempted to call Citi Bank from the number on the back of my card and no one was able to assist with the issue, eventually leaving me on hold until it disconnected. After this, I reached out to their chat support speaking with a rep named XXXX, then their supervisor XXXX who directed me to email the info and screenshots to them. 

Since that point I have called and emailed the " Executive Response Unit '' at City several times with the only response so far being that they will only apply {$200.00} statement credit and they can not change any offers at this point. 

I have provided screenshots from XXXX XXXX website as well as their app showing the promotion when I applied and even that it was still active since then and being offered again. From there I also provided a direct link to their own site offering this {$400.00} statement credit I signed up for. Between numerous screenshots and links to their own site they still refuse to honor the promotion offered in order to get me to apply for this card. 

I only applied for this credit card based upon the terms/promotion offered and would not have done so otherwise. Offering terms to get me to apply for the card then swapping out the promotion without informing me or any kind of disclosure is a pretty clear bait and switch. This is a predatory act to lure people in to applying for the card with a documented promotion then not honor it and refuse any assistance. 

At this point Citi has stopped responding to my contacts so I'm researching what other escalations I will need to pursue and if I need to seek additional counsel from a 3rd party to remedy this issue. 

I am attaching the screenshots provided to Citi below. Additionally here is a link right to their application page where it still offers the same {$400.00} statement credit I'm being scammed out of currently. 

https : //online.citi.com/US/ag/cards/application? app=UNSOL & ID=3091 & XXXX XXXX XXXX The screenshot saved as " Citi Application Screenshot '' is for the above link XXXX

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