Consumer complaint received 2018-02-23
Company: CITIBANK, N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Upon deposit of a Cashiers Check of {$24000.00} at Citibank in XXXX IL at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX I requested a withdraw of {$9800.00} to buy a car. They said my check will clear the next business day. The next business day I went to XXXX XXXX XXXX XXXX   XXXX location to make the withdraw. An override was needed by a banking associate, XXXX XXXX. He denied me my money and ridiculed my business affairs by suggesting I steal my clients money from the business part of Citibank. My personal account is where the check was deposited. He told me he is putting my account up for review and will request my accounts be closed. I called the police on him. The police had no power. I waited over the weekend then I went back to XXXX XXXX to sit and talk to a banker who worked to get my funds released and she did. I checked my card and it worked. XXXX XXXX can and badgered the banker and me. He ripped the phone from her ear and I stood up and called the police. This matter was referred to a Citibank investigator XXXX XXXX I met with her the next morning to be interrogated for two and a half hours. I called my relative who issued me the check, to answer this investigators questions as well. The check that was reported counterfeit by the fraud department had not immediately verified the check. By the time I met with the investigator XXXX XXXX the check had been verifed four or five times. I was denied the release of my funds. My account was set for closure under fraud. XXXX promised to call me by noon the following Monday on XX/XX/XXXX and she agreed to release the funds where to go. My instinct told me to go to a different branch to receive my funds. There my account was restricted too. The next day XX/XX/XXXX I went to the branch where my accounts were opened and I was told to have a seat that they will prepare to release the funds to me. I was called in and lured in and trapped. The police came to question me again I refused because they were convinced of lies anyway. They said they had evidence of scam and spoken to the scam victims but my relative is not a victim of scam. They detained me with excessive force causing XXXX and XXXX and XXXX XXXX also causing damage to my {$400.00} XXXX purse. And later that hour had to release me because they had no cause or evidence for my arrest but I was charged with resisting when they came in lying and obstructing my justice and infringing on my freedoms. There is no preponderance of evidence of fraud. I suffer XXXX XXXX from my XXXX XXXX. Now I am told that XXXX XXXX Citibank branch says I can not step foot into the branch. The Citibank Customer service agents say going there is the only way I can get my funds from both my business and personal accounts. Citibank deleted my account and refuse to return my calls. 3 Members of Citibank band together against me and deny any other qualified fraud agent to release my funds to me. 3 members practiced what seems malicious acts of deception and wrongfully intended to deceive others unjustifiably claiming that my money that has been held for almost a month is fraudulent. They will not even tell me if they will give me my money. They are giving the impression to me that I will never see my money. In my business account I have {$2900.00} and in my Personal account I have {$24000.00}. They confiscated my card and conjured up untruths, making me suffer and look bad and defamed my name in the banking system. I beg this here agency to help me. As I continue to try to contact the bank the customer service agents are believing the notes. There was notes made on the XX/XX/XXXX that the XXXX   XXXX XXXX XXXX reported the money fraud and that there should be a block, Note XX/XX/XXXX to not release funds, Note XX/XX/XXXX to go into the branch all on today XX/XX/XXXX. I called XXXX  XXXX XXXX XXXX to see if they made a fraud block request to Citibank. They researched and they said no that they made no such requests or recalls or a call that the check or the cash received was fraudulent nor did they request to block my account. They verified the check to say that it was good and it was paid on XX/XX/XXXX. They said Citibank acted on their own to block my account twice. There are things that tend to happen in threes and XXXX XXXX VP of Citibank, XXXX XXXX proclaimed officer of the Bank, and XXXX XXXX Branch Manager of Citibank, they all conspired against me and none of them has bosses apparently I am told. I request my money and I request pay for this severe, cold, and malice treatment. I request you call the XXXX  to confirm of no such block. This is malicious and I refuse to look at it any lesser than of egregious ill-will acts. Read the notes and contact the XXXX XXXX read them the check number. I am not fraudulent. Now most recently XXXX XXXX said I will get nothing back that she has an sworn affidavit that the money is fraud but even still XXXX XXXX XXXX XXXX is only sure that the check has been good and paid and verified repeatedly XXXX XXXX XXXX

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