Consumer complaint received 2020-10-30
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Because I was unhappy with my current bank, XXXX, and have two Citibank credit cards, I opened a checking and savings account at Citibank on XX/XX/XXXX. Currently there is a combined balance of approx. {$9500.00}, mostly funded by direct wires from my XXXX XXXX 
I registered and was approved for XXXX XXXX on XX/XX/XXXX with a {$2500.00} daily limit ( I think ). I tried to use XXXX to transfer money into my XXXX account on XX/XX/XXXX, at least three times on XX/XX/XXXX, and at least twice on XX/XX/XXXX. See attachment B. 
Each time I tried XXXX, the service was denied, then cancelled and fraud alerts were placed. Except for {$11.00} to XXXX and when I inadvertently XXXX money between my Citi accounts. I appreciate how continually trying to XXXX an outside account the daily limit, even if it is my account, looks suspicious. Instead of not using the service, I grew frustrated and tried again and again. I was trying to transfer funds to XXXX bank because I needed to show ample funds in one account for a lease application. 
That Monday, XX/XX/XXXX, I went to a Citibank on XXXX XXXX at XXXX XXXX XXXX in XXXX to make a withdrawal of {$2500.00} to deposit in my XXXX account. I was denied. 
The teller said she did not have my signature on file. I signed a signature card and emailed it on XX/XX/XXXX. 
I was told my drivers license was suspicion because it was out of state. Many people who live in XXXX have CT Drivers Licenses. That was the ID I used to open my Citibank accounts. 
I was told my drivers license name was a mismatch. My Drivers License and passport say XXXX XXXX XXXX. My Citi accounts say XXXX XXXX. Perhaps it goes back to my first credit card from XXXX and I used the name XXXX in the box for first name and XXXX for the middle name? It was never an issue with Citibank for XXXX years. 
I was told I used the incorrect pin number. That is possible, I have three checking account, XXXX, XXXX, and Citi. The first attempt may have been wrong, but the second or third was not. 
The bank XXXX said my account was blocked over the weekend after my attempted XXXX activity. Moments later the fraud department told me a 48-hour freeze was placed on my account. My funds are still blocked, my account is closed or is being closed. I was told many times a letter was sent, which I never received. 
I funded the savings account in XX/XX/XXXX, with an {$8.00} XXXX transfer from my XXXX bank. On XX/XX/XXXX I transferred {$1.00} XXXX into my Citi checking account from XXXX XXXX. On XX/XX/XXXX another {$500.00} was added to the account from XXXX. I had not tried to access the account until XX/XX/XXXX, I went to a local branch because I did not have the pin number original sent to me. They local branch gave me a temporary debit card and I withdrew {$400.00}. 
The XXXX payment was from XXXX XXXX XXXX account. We lived together over the summer. I helped him with his unemployment claim. I mistakenly added my account number instead of his. When we realized this error, it was fixed and I re-payed him {$500.00}. See attached E. This was questioned by a someone at Citi on XX/XX/XXXX. I was told to go to a branch and put his name on my account. However, I do not know if that was what led to the account block and closure because it was six weeks before the episodes in discussion. Anyway, while XXXX and I were scheduling time to go the bank, I called Citibank to confirm and that the pertinent information would be in my file. I was told that was no longer an option and my account was closed. They read me a statement and said a letter explaining why my account the decision was sent, which is yet to be received. I do receive bank notifications, but I am denied online access, and have not read them I have no negative marks on my checking account history. I have no fraudulent activity on any account, ever. I need restored access to my funds.

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