Consumer complaint received 2021-09-08
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, after speaking with a supervisor in regards to receiving a credit due to canceling a XXXX purchase for a Car battery - wouldnt arrive there in time before the Auto Center closed. XXXX had not even had the battery prepared and/or ready for pickup! 
I was denied being granted a credit since it was reversed on XXXX side ; I would have to wait. I was livid because I need my car to work! XXXX confirmed that they cancelled the transaction, its now in my banks hands. Which I had/still have the reference number for the conversation thread and cancellation email. Still I will just have to wait. 
My account is now under review and any money I do have in that account is untouchable. 

I was not given any notification or anything. 
No explanation as to why. 

Just told to wait. 

Living paycheck to paycheck, I do not have the privilege to simply wait. This is where the direct deposit for my paycheck goes, this is how I pay my bills and how I maintain my livelihood. 
I dont have access to any other accounts or money! 

On XXXX XXXX, I got a rep on the phone he was unable to give me any answers as to why this was even going on! 
I impatiently asked to speak with a supervisor. 45min later, the supervisor tells me the exact same thing unknown as to why my account has a hold and has no ETA on when it will be lifted. 

I Have absolutely no access to my money, THE MONEY I WORKED FOR! 

For something that Im not 100 % CERTAIN about because NO ONE HAS TOLD ME ANYTHING. NOTHING!! 
Just to WAIT! 

This is not right! 
I have a loan coming from my 401k into that account TOMORROW ; due to me already being dangerously behind on ALL ON MY BILLS & and now I have no access to it! 

They sent a message to my account but I am unable to view it, since I am denied access to even sign in! 

How is this legal? No heads up. No notification. No explanation. NOTHING. 
Just Boom.XXXX Denied access due to being under review- under review for what?! For what?! 

I get paid THIS WEEK THURSDAY and the loan is set to hit my account tomorrow. 

I need access to my money ; My car insurance cancelled today My car is STILL unable to start, Already has a fairly good chance of being repossessed if not paid by this week Friday! 
Soon my lights will go off! 

All I am being told is to wait. 
WHAT EXACTLY AM I WAITING ON?! 

ITS MY MONEY ; I DO NOT UNDERSTAND THE NERVE THAT CITIBANK HAS TO COMPLETELY DISREGARD THEIR CUSTOMERS AND THEIR LIVELIHOOD! 

ARE YOU ALL AWARE OF THE PHYSICAL DAMAGE AS WELL AS THE MENTAL ANGUISH YOU ARE CAUSING?!! FOR ABSOLUTELY NO REASONABLE EXPLANATION! 

I WANT MY MONEY - THATS IT! 

AFTER RESEARCHING HELP ONLINE, I NOTICE THAT YOU ALL DO THIS A LOT! 
YOU ALL NEED TO GIVE ME AND ANYBODY ELSE YOUR DOING THIS TO, RELEASE OUR MONEY!! 

No average ETA or explanation provided FOR this. 

This is inhumane. This is dangerous. 
This is simply not right!

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