Product: Checking or savings account

I filed a complaint ( Complaint XXXX XXXXXXXX ) which CFPB closed because Citibank supposedly sent me a letter. I never received the letter. Therefore, Im filing another complaint. 

Citibank processed XXXX separate fraudulent wire transfers on my Business Deposit Account on XX/XX/XXXX. According to the description on my account statement, the XXXX fraudulent wires were initiated by XXXX different perpetrators- XXXX XXXX and XXXX XXXX. I do not know either perpetrator. According to records I obtained from the bank, XXXX XXXX made XXXX separate attempts to commit the fraud. XXXX XXXX first attempt was on XX/XX/XXXX. Citibank properly rejected the XX/XX/XXXX fraudulent wire transfer requests because Citibank was not able to reach me to confirm that I authorized the wire transfer requests. XXXX XXXX second attempt was on XX/XX/XXXX. Without contacting me, Citibank processed the XXXX wire transfer requests from XXXX XXXX on XX/XX/XXXX - {$4900.00} and {$4900.00}. In addition, Citibank processed a third fraudulent wire transfer request from another individual named XXXX XXXX on XX/XX/XXXX for {$4500.00} without contacting me. On XX/XX/XXXX, I discovered the XXXX wire transfers, so I immediately went to the Citibank branch at XXXX XXXX XXXX XXXX, XXXX, CA XXXX spoke with a Citibank employee XXXX XXXX XXXX XXXX XXXX XXXX helped me file a fraud claim and he also told me to file a police report and a report with the FBI which I did the same day. Note that since I opened my account at Citibank on XX/XX/XXXX, I have never sent any wire transfer from my account. I use the account for my small business. I do not have a need to wire monies to anyone. Given my account activities since XXXX, Citibank should have known the wire transfer requests initiated on XX/XX/XXXX and on XX/XX/XXXX were anomalies warranting security authentication. The bank clearly failed to protect the monies I entrusted with them and has the audacity to deny my claim to credit the funds back into my account. Secondly, I do NOT have any wire transfer agreement with Citibank, which should also have raised flags when Citibank received the wire transfer requests from the perpetrators. On XX/XX/XXXX, Citibank sent me a letter stating theyre denying my claim because they verified the XXXX transactions using an authenticated process with my device and/or confidential information. The bank 's basis for denying my claim is INCORRECT. No one from the bank contacted me prior to processing the XX/XX/XXXX wire transfers. The bank is grossly negligent in failing to recognize that the XXXX of the XXXX XX/XX/XXXX wires were initiated by the same perpetrator ( XXXX XXXX ) who previously attempted to initiate a fraudulent wire transfer request on my account on XX/XX/XXXX. Because the bank rejected the XX/XX/XXXX wire transfer request with the same beneficiary information ( XXXX XXXX ), the bank should have rejected the XX/XX/XXXX wire transfer requests especially since the bank did not or was not able to contact me prior to processing the wire transfers. The banks XX/XX/XXXX letter demonstrates unfair, deceptive, and abusive practices. Between the bank and me as a small business owner, the bank is in a better position to prevent the fraud in the first place especially since the bank is already on notice when it rejected the XX/XX/XXXX wire transfer requests from XXXX XXXX. The bank refuses to give me copies of the wire transfer instructions the bank received when the bank processed the XXXX fraudulent wire transfer requests on XX/XX/XXXX. I was able to get copies of the XX/XX/XXXX wire transfer requests from the branch but they refuse to give me copies of the XX/XX/XXXX wire transfer instructions the bank acted upon. Also, the bank charged me wire transfer fees of {$17.00} per wire ( total of {$51.00} ) on wire transfers I did not initiate. Please help me resolve this matter. I need the {$14000.00} plus the {$51.00} wire transfer fees returned to me as soon as possible. It is not fair that a big bank such as Citibank is able to get away with this. I suspect Citibank has done the same to many other consumers and other small business owners like me.