Consumer complaint received 2021-09-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Between XXXX of XXXX Citibank did not notify me via text messages ( SMS ) As usual regarding important matter ( s ) such as an overdraft of a check and/or a negative checking account balance when I had wrote over 6 checks. Thus, I was charged over {$600.00} in overdraft fees. However, my online checking account showed all of this activity and the fees and payments. However, my postal and/ or mailed paper checking account ending in XXXX statements did not match. I immediately paid the charges and closed my account soon after and all this year XXXX I had received notifications about changes to my credit report. After reviewing my XXXX  credit report I noticed unusual activity by Citibank. An abnormally large amount of inquiries were on there and my account was in GOOD standing most of this year until the non notification of checking account ending in XXXX 's overdrafts and negative balance. So, I reviewed Citibank 's other checking options and decided to open a NEW checking account. I filed a complaint # XXXX on XX/XX/XXXX stating that the recently received debit card ending in XXXX did not work and to fix it and to make sure that my account OLD checking account ending in XXXX was closed and I need a statement sent via mail. I was told to request this information at a local Citibank branch and that she was closing the account now. I had already requested it closed and was surprised just as I was surprised on XX/XX/XXXX when I was told that the new checking account I had applied for online was CLOSED! I attempted to file a NEW COMPLAINT with Citibank as Citibank CLOSED my NEW Citibank checking account not ending in XXXX WITHOUT my XXXX XXXX XXXX AUTHORIZATION. I, XXXX XXXX DID NOT REQUEST to " CLOSE '' the RECENTLY OPENED Citibank checking account not ending in XXXX, that offered OVERDRAFT FEE PROTECTIONS. I did not state to " Close the account not ending in XXXX due to fees ''. Like is noted on my closure by citibank. If I can remember correctly after reviewing Citibank 's other checking options online at www.citibank.com I decided to open a more suitable checking account from Citibank using an online application approximately 2-3 days after my account ending in XXXX 's closure XXXX XX/XX/XXXX ). Citibank 's New Accounts Department should have a copy of the actual application date and and NEW checking account opening and closing date ( s ). Again, I DID NOT contact CITIBANK ON XX/XX/XXXX Stating to close the New checking account ending in XXXX or something like that. I filed a NEW COMPLAINT on XX/XX/XXXX after repeatedly calling Citibank at XXXX XXXX ) XXXX ) XXXX and being treated with extreme disrespect unprofessionalism. I continuously was refused information about the reason for the closure of the new checking account not ending in XXXX, debit card or the online application for this newly opened checking account. Again, I was told to go to a local branch for information and hung up on and lied to numerously after dialing XXXX XXXX XXXX XXXX and finally talking to " the right person '', the right department '' and/or " the Manager '' etc.

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