Consumer complaint received 2022-05-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
your bank error and arb and sc suit Inbox XXXX XXXX XXXX Thu, XX/XX/XXXX, XXXX PM ( 8 days ago ) to joan.haslam, me Dear XXXX XXXX, I was told to reach out to you to settle this matter out of court. I submitted my claim for arb in XXXX and XXXX through XXXX XXXX attorneys. They suggested I use a criminal and civil attorney and press charges against the Citi employee who committed fraud. 

Over a year ago, at least, I told the citi branch on XXXX in XXXX Ca to close account as well as by fon, chat, and email to XXXX XXXX. I also told XXXX XXXX needed the bonuses he left off and he promised he would get them. They were XXXX for meeting activities for the over XXXX accts and the ref bonus of XXXX. Neither were paid. I also told XXXX I needed the refunds coming in from XXXX and XXXX, totalling XXXX ( and other merchants ) when they came in. Still no answer. No one speaks english on that joke of a customer svc line and they just hang up. They understand NOTHING and are NO HELP. So now I am out about XXXX. 

Then a year later, you write me telling me an IRS check was cashed on acct I CLOSED that was way past its legal tender date by law and statute..over a year old. I didn't cash it and that could be verified. Apparently when some of the refunds came in, totalling XXXX, it reopened ( or you just never closed which you are notorious for ), and wiped out my money when this mysterious IRS check opened to a closed ( verified by my above correspondence and videoed and recorded calls and visits ). How does this happen? Well XXXX was fired and he had access to all this. 

I wrote to IRS and they did a long investigation and wrote back saying they determined some sort of fraud on Ciit 's part but have not done anything. I just wrote the IRS back with my found information. 

So XXXX out the XXXX and the worst part is I had excellent credit my whole life which allowed me to invest and get bonuses like the ones you didn't pay. I lost XXXX this year alone on the bonuses because you TANKED my credit with all this and I can't open any type of account going on 5 months. It has been a nightmare. My lawsuit provides for this damage in the amount of XXXX and immediate repair and removal of all negative reports and remarks to my credit and interest accruing until it is done and proven. I also am asking for punitive damages as this is clearly not only a breach of contract case, but also lack of fiduciary duty. 

The total to settle out of court, notwithstanding legal fees that could accrue until my check is cashed, is XXXX. There is no provision in this settlement at all for my lost time from work, and the horrific stress and XXXX XXXX, especially in dealing with your " customer service. '' If this settlement offer is not met, I will move forward the above and include the 10 percent ( very low side ) for punitive and above special damages, file more regulatory complaints and feedback reviews, and the filing and legal fees, totalling the case to nearly XXXX. 

This will be my only offer and then I will hand over to the XXXX XXXX legal team. I can not provide you with anything because you did something to my login but you have access to my statements, documents, check and correspondence. All I have are my emails to XXXX instructing acct closure and refunds. 

The other bank documents I have seen but would just subpoena them and add that to the case cost. I think you will agree settling out of court is our best interest. 
Thanks XXXX XXXX XXXX atm card XXXX and there is savings

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