Consumer complaint received 2022-04-01
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Re : CFPB Case Number XXXX/Citibank Case Number XXXX XXXX : Account Number XXXX ( now closed without my knowledge ) In response to my previous message of complaint to the XXXX only after that did I receive any priority action from Citibank NA I received the following message from Citibank , N.A . Customer Service Center XXXX Citigroup XXXX, XXXX XXXX, XXXX XXXX XXXX : On XX/XX/XXXX, a XXXX XXXX XXXX account ending in XXXX was closed due to inactivity. The funds remaining in the account, US {$100.00}, were transferred to our abandoned property unit and subsequently remitted to the South Dakota Treasurer in accordance with state law. Consequently, Citibank is no longer in possession of these funds, which can only be returned by filing a claim with the Unclaimed Property Division of the South Dakota Treasurer ( UPDSDT ). For more information about making such a claim, please write to the UPDSDT at the following email address : XXXX You may also contact the UPDSDT as follows : Phone : ( XXXX ) XXXX Unclaimed Property Hotline : ( XXXX ) XXXX Website : https : //www.sdtreasurer.gov/unclaimedpropert END OF QUOTE I had visited Citibanks XXXX XXXX XXXX XXXX XX/XX/XXXX expressly to update my account address details and the bank failed to exercise this minimal responsibility. 
Citibank has handled this complaint extremely poorly. They gave me no option for replying to them by e-mail. Instead, I have to call them long distance at my great expense OR I have to rely on snail mail. I have found that ordinary mail to/from XXXX XXXX is taking an excessive amount of time to reach me in XXXX and XXXX. Totally unacceptable. 
Not only did Citibank fail to carry out the basic task of ensuring that it had my correct mailing address after my prolonged visit to their XXXX branch in XX/XX/XXXX, but it also then compounded matters by soon after introducing a hefty monthly charge of USD XXXX. This was a so-called XXXX XXXX XXXX XXXX XXXX Really? Accordingly, my balance of USD XXXX at XX/XX/XXXX was thereafter rapidly reduced to USD XXXX by the date of transfer to South Dakota in XX/XX/XXXX. 
Did Citibank offer to refund my funds? No, I was supposed to chase what little balance remained myself. 
Come on. Would anybody rational keep funds in a bank account when a charge amount of such magnitude had been introduced? Did this compel Citibank to carry out any extraordinary steps to ensure that this client would be satisfied with such an arrangement? NO! 
It defies common sense. It manifests a complete lack of customer service mentality. 
Here is what I would expect now. Not only should my balance of USD XXXX ( plus interest ) be returned to me, but I would also expect additional compensation for all the time I have had to devote to finding out what happened to my account with Citibank. Hour after hour after hour. It is beyond belief the incompetence I have witnessed from this bank. 
Thank you very much for your attention to this file and my concerns. 
Respectfully, XXXX 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