Consumer complaint received 2021-12-22
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account was closed for no apparent reason. I had deposited a refund check into my account which then citibank promptly closed my account. I had deposited over {$10000.00} into my account and used my debit card normally like a consumer should. Citibank is not a normal bank and should be avoided at all cost. For us normal consumers who do usual banking we should use a bank that works. Citibank now proceeded to steal my money. About {$4000.00} is currently stolen and in citibanks possession. They are claiming to send out a check in the mail for 60 business days. In the norms of todays banking world 60 business days too long and almost nightmarish. Citibank business practice is similar to most loan sharks and scams and therefore is a fraudulent bank in entirety. It has very bad business ethics and the CEO and chairmen should be sanction by the US Government and sent to prison and chains. XXXX XXXX held another financial institution which did normal business hours and conducted business therefore citibanks CEO and chairmen should be treated the same as XXXX XXXX. As of right now my money is stolen and I cant get it bank. I believe 60 business days is the norm for charge back cut off but I have never sold merchandise with the checking account so citibank is dealing with my money fraudulently. I visited the bank branch and was told the branches are a separate organization as citibank online. About a month ago when I created this account I had received my debit card in the mail with another document giving me my pin number. The box where my pin number was blank. This is their current business operation. I also was never asked to give any Identification documents outside of my social security number to create this account which was unusual. I visited the branch to add a pin number and add a government issued identification to my account. The branch manager told me they are unable to add my ID to my account because there is no way to access the citibank online system from within the bank branches computers. I had an account opened with no ID with citibank. I also tried to add a pin number to my account but the branch said they currently dont have capability to add a pin number to my account because of the separate system issue. This is the XXXX they said if it doesn't make sense it coming straight from CITIBANK. So citibank branches give complete XXXX to the customers instilling more criminally and malicious behavior outside of fraud. I think citibank should be completely shut down instead of greasing lobbyists hands with money. I want to visit a citibank branch and withdraw all of my money but it is currently impossible to do because i am dealing with citibank. It is trying my patience and I am worried I will never see the money again or possibly around XXXX of 2022 or maybe even longer if something happens to my check in transit. As of now I have to change my plans and purchase a different lease on my Private mail box and shipping whatever check comes in the mail there because I have plans of leaving the USA to a different country and I have to deal with this issue and pay for the shipping the whatever check comes in mail. I wish I can go to the branch and withdraw my money like a first world country bank. 

ps i also have to return some expensive merchandise around {$400.00} in total value from XXXX shopping that I cant return isnt harassment illegal?

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