Consumer complaint received 2018-03-14
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Because of CFPB very primitive questionnaire of bank services and because of illegal closing of my previous complaint about Citibank wrong doing by way of " push the envelope '' instead of really providing only announced " A central part of the Caps mission is to stand up for consumers and make sure they are treated fairly in the financial marketplace. One way we do this is by enforcing federal consumer financial laws and holding financial service providers accountable for their actions. '' I repeat stating following defects in XXXX XXXX management in my letter to XXXX from Citi Executive Response Unit I received your response to CFPB on my complaint against Citi customer policy from 2018. I reject your statements about " our goal is to provide all of your clients with the highest level of service '', and " we have recently implemented enhancements to Citibank Online to aid our clients in conducting their online banking '' as fraudulent and humiliate. I request to return all forms of clients Citi service to any which were provided before your enhancements. 
As I stated to CFPB and Federal Reserve Consumer Help office : Current service defects are expressed in 1 ) forbidding to customer to connect with Bank in documented email message form ( such form existed till 2018 ) and insisting only on connection with irresponsible forms of chat and phone ; 2 ) bad imagination of new " enhanced '' customer account image with using signs instead of understandable words and many other defects ; 3 ) permanent different transactions information in customers account at home and in bank office of same customer account on same day and time ; 4 ) taking part in usual and factual criminal seller/bank practice of refund delaying for many days. For example, refund of {$38.00} was delayed by Target for 20 days without any help from bank to reduce and stop such action which is usual criminal policy of seller and banks together.

Generally speaking : Citi provides new fraudulently " enhanced '' service policy with goal to restrict customers civil rights on getting whole financial information. Please, compel Citi to exclude in its dealing with customer all defects mentioned above.

This message directed to Citi leaders. 
In consideration of this complaint I request to stop CFPB usual manner of " pushing the envelopes '' and to execute the enforcement and regulation requirements of 12USC Chapter 1,2,3,21,36,41,48, 12CFR Chapter X Part 1011.4, 1074,1080 and other known to CFPB financial laws and rules with goal to compel Citi to reject all mentioned above defects of mass violation bank customers financial rights without any attempt to close such complaint without strong investigation, regulation and fixing wrong Citi service policy as requested by CFPB laws and rules.

Because of CFPB additional questions about amount of customer, their names, address and so on, I stated the camplaint is conserning me and all others customers in Citi.

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