Consumer complaint received 2022-10-04
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been with citi Bank for over 10 years I believe. I have not had any issues up until thr pandemic began. When I called in to seek information from a representative I was shocked that call center workers were working at home. Given the high security issues hearing chickens and roosters in the background kids screaming or playing or other people 's conversations meant my information and account Information was not secure. I was sympathetic don't get me wrong the pandemic made some drastic life challenges but I was shocked bank representatives had access to millions of customers private information with no one overseeing what those people were doing. I also ran into issues with my bank account always being overdrawn couldn't understand why I called multiple times as the balance showed I had funds yet the bank would say I didn't send the item back only to see the next day I did in fact have the money. But now I had to pay a late fee for the bank and a fee for the merchant. I would get my money back from the bank but not thr merchant. Now after complaining multiple times this happend a few months in a row thr bank annoyed no more bank fees for overdrafts yet today I look at my account and the balances are all over the place. The accuracy is wrong and they sent back an item when that should have cleared. I will give you an example of what I mean bill paid for XXXX balance showing XXXX transfer made of XXXX balance now showing XXXX next transaction XXXX transfer balance XXXX next transaction deposit XXXX balance now showing XXXX next transaction transfer XXXX balance now XXXX next transaction deposit XXXX balance XXXX that is just a small glimpse of what unreliable improper accounting is going on. The balances do not match thr transactions they do not credit thr account properly and appear to make it seem like I owe more when I don't and do not allow me access to what I should have let me show you some more transactions so you really understand a bit more prior to thr above transactions we have a transaction of XXXX with a balance of XXXX another transaction right after that one for XXXX with a balance now of XXXX next transaction XXXX with a new balance of XXXX another transaction of XXXX with a new balance of XXXX and other transaction of XXXX with a new balance of XXXX another transaction of XXXX with a new balance of XXXX I hope your catching XXXX pattern here and seeing how wrong this is. Another transaction of XXXX and a final new balance of XXXX! So how can you explain this everything a transaction happend here the balance went UP not down. Than the first balance the transactions took away but took away what thr actul deposit was so I got a XXXX deposit it TOOL AWAY XXXX it didn't credit the amount. Yet on thr second set of transactions is gave me credit for what should have been a decrease in my balance. This is my life my only source for funding my family. This improper banking is causing hardship disruption and undue stress I can't seem to keep my finances in order and it's not MY FAULT ITS THE BANKS. And they are aware of this yet fail to fix it. I'm asking this to be fixed immediately XXXX have lots of printed documents showing other charges even got an email showing I was negative and they dent back payments yet when I called the reps said I wasn't negative yet they sent back merchant transactions after that call I got thr letter they no longer are charging fees for overdrafts which tells me citi knows they have a problem but instead of fixing it they stop charging people improper fees so we can't sue them. But they have ignored the problem. And it needs to be fixed immediately again I have more docs I just can't upload them all on this email

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 monetary relief