Consumer complaint received 2022-10-04
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citibank has stolen $ XXXX from me! 
I can't believe this is happening to me. I will start from the very beginning : I opened up checking account on XX/XX/22 with. XXXX XXXX XXXX explaining to him that will be receiving wire transfers from XXXX. explaining how much i would be receiving and how many there would be he said thats fine there will be no problem he will set the account up and noted in the system. I then made a deposit for XXXX Same day as I open the account. My friend did the transfer for the amount of XX/XX/22 {$25000.00} usd. Was wire transferred from Her account. AUD {$35000.00} went through it was in the account it was clear my account was good. The next wire transfer that was sent from her was on XX/XX/22 USD. In the amount {$18000.00} Again going into my account from the same person. international AUD. {$24000.00} I cleared into my account everything was good on both ends accounts was fine. This is when the problem begin. XX/XX/22 next wire transfer was sent from the same person for XXXX again because of the exchange rate and its AUD. For her it was XXXX followed with Another transaction from her for {$4500.00} USD. AUD XXXX. For her. It showed up that it was all clear in the accounts. 
A week latter I went to the the branch asked to withdraw XXXX from my checking account. they said my amount is frozen due to fraudulent activity. They said they can not talk to me i need call up The fraud department and they gave me the number to call. They can not do anything. I was so upset. After hours in the bank. Now hours on the phone. Then I was told on the phone it was fixed the account I can use my account its not frozen any more. they say they fixed it is ok to charge my card and use it. The block is now off the account. Not true. 
I have spent hours and hours on hold with citi bank, and transferred around with different people because nobody has any idea what they are talking about.. Nobody could tell me why my account was flagged for " fraudulent activity ''. 
I finally got to talk to someone who gave me some information. He said there closing my account and they would be mailing a check out to me 30 to 60 business days never received a check. He didn't tell me the reason it was being flagged, I asked why cant I just pick up the check from the branch why do I neeed to wait I want my funds. You need to wait for the check 30 to 60 days I then hang up go in to the branch THIS IS WHERE IT GETS CRAZY. 
My money has been transferred to the federal back office at citibank investigating it. they do not have a number and they did not contact me the fraud department at Citibank that the money is going to be held. My money isn't even with citibank anymore, it is with the federal government. They locked me out of the account. Cant see anything. 
Nobody has contacted me to get more information, or proof that it is my money. Nobody has investigated. They just decided that's not her money ''. And gave it to the mother f*cking government. Or they stalled it and blamed it on the government. 
I spoke to my financial advisor and he told me. I got in to a vary bad accident I needed emergency XXXX. By back its was broken emergency XXXX has to take place I need XXXX titanium rods and XXXX screws. My all my Insurance did not get paid because they Close my account with all my money. They destroyed my life. Credit is destroyed my bills over the top. its a real nightmare 7 months now. Since XXXX now XXXX She called the bank told them to transfer back all the money. To me or her. if theyre will not return it to me. My friends AUD bank branch has contacted them through email several times. Letting them know that its my money to release it to me. They lie and say 100 different stories. Please help me I cant afford this and I do not deserve this. I want my money it belongs to me XXXX Citibank needs to be held accountable. This is not legal.

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