Consumer complaint received 2023-12-16
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:
In XXXX, I opened an account with Citi Bank and was told that if I deposited a certain amount of money in the account than I would receive {$200.00} within 3 months. I had requested them to not send my debit card to the physical address since I was having problems with my mail getting to me and not going to someone else and was told that they would send the debit card to the mailing address however they did not do that and sent the debit card to my physical address and someone else got the debit card. Since they could not just a simple thing for me like send the debit card to my mailing address as promised than I told them to close the account and give me all of my money back. They closed the account but would not give me my money which is a total of {$5000.00}. They claimed they sent me a check however I never received it so I requested another check sent to me and the check that they sent me was not a good check. I asked Citi Bank to cash it and they told me that I had to go to a certain bank to cash it, after going to several Citi Banks to cash the check, and I went to a certain bank ( branch ) and they refused to cash the check however of course would not tell me why so I asked Citi Bank how I could find out about checking to see if the check was still good and they gave me a phone number to call and when I called the number, the XXXX number claimed that the check was not in existence. I contacted the bank over and over again and they would not give me my money or another check so after getting the runaround, I contacted the XXXX XXXX XXXX and could not get any help there either. I have contacted the branch millions of times within the last 4 years and I still have not received my money. I have had all kinds of excuses and one excuse was that the check that I deposited into the account which was my {$5000.00} was a bad check. It was not a bad check and I can prove that. Their check that they sent me was the bad check not my check that I deposited into the account. After many years of waiting Citi Bank contacted me and told me that they were going to hand over my check to the state and I contacted them in XXXX regarding the check and they still will not give me the check. They ignored me however in XXXX I received a letter from the State saying that the bank was going to give the check to them and I contacted the bank once again and this time I told them that I was going to send all of my complaints to the state to show proof that I was trying to get this money but finally this time Citi responded however they are asking me for money to replace the check and wanting me to show my id and everything else along with social security number. I am not going to do that. Citi bank should have given me this check in XXXX and I would have never had to have gave out my personal information out. Citi Bank also has been given out consumers information in a data breach and now they want more of my information to hand out to scammers. Heck no, I want my money.

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