Consumer complaint received 2021-03-15
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
After months of aggravation, a retired judge who is dealing with the same issue encouraged me to contact your bureau. I am XXXX XXXX, a XXXX-year-old widowed female. My husband and were clients of Citi Bank since about XXXX. We opened a Wealth Management account and were told to also open an interest-bearing checking account which was fee-free. This account would serve as a conduit between accounts if funds needed to be transferred between accounts. We were also looking to either move or remodel our existing residence. My husband became ill and died in XXXX of XXXX and I had XXXX XXXX in XXXX. Since moving was no longer an option I moved forward to remodel my home. I secured a Home Equity Line of Credit for {$89000.00}. and the project began later that year. The checking account ( new acct. # written on statement behind the old acct # ) was reopened in my name after his death at the advice of the bank. I had maintained great credit and paid my bill on time. My financial advisor at Citi Bank took a position with XXXX XXXX and I closed my Wealth Management account with Citi and followed him to XXXX. Citi Bank sold my Home Equity Line of Credit to the XXXX XXXX leaving only the checking account. The checking account was inactive for some time. My main checking account with XXXX XXXX XXXX  was opened many years prior to opening accounts with Citi Bank. I decided to close the checking account on XX/XX/XXXX. I went to a local Citi branch to close the account. I was informed the account balance was {$400.00}. I know there was about {$1400.00}. in the account but did not have a statement which I had not received in quite some time. A history was generated for 6 months which disclosed that I was being charged {$30.00}. a month in fees. I was advised to contact Customer Service because the issue found not be resolved at the bank branch. On XX/XX/XXXX I called Citi Customer Service and was told that because the funds held by my accounts dropped below {$50000.00}. I was being assessed service fees. This was never discussed when opening the accounts and I was not advised of this when the first fee was levied in XXXX of XXXX. Again I was not receiving statements of the checking account and to this day still am not. I certainly would have closed the account if I had that information. My attorney/tax accountant prepared and mailed a letter in XX/XX/XXXX on my behalf insisting Citi show proof that I was notified or signed a document acknowledging those terms. The letter has gone unanswered. In XXXX I mailed another copy of that letter and again no response. I again mailed the same letter, certified mail to offices in XXXX XXXX, Texas which was delivered on XX/XX/XXXX, and XXXX XXXX, NY which was delivered on XX/XX/XXXX ( post office receipts attached ). As of this date XX/XX/XXXX, there has been no response. I don't where else to turn. I'd appreciate any assistance you might offer.

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