Consumer complaint received 2021-04-03
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a customer of Citibank, two weeks ago my fianc, who is wealthy deposited a little over {$17000.00} into my accountI lost my job last XXXX due to COVID. I have only been able to find temp jobs that pay just minimum wage, as a result of this I am experiencing serious financial problems. I am going to be evicted in a few days, my car is about to be repoed. I dont have money to care for my daughter and provide basic needs such as food and shelter. My fianc is in the XXXX right now I am in a serious situation and when the money was deposited Citibank locked my my account, suspended my debit card and shut off my mobile/online banking. Every time I call to speak to them I get some XXXX XXXX XXXX XXXX that is talking to me from XXXX there is a language barrier as most of the time they do not understand what I am talking about. They have no clue about the US air banking laws. They sit over there and play God with peoples lives. I have answered all their verification questions regarding the account and where the money came from they actually accused me of committing fraud or doing something illegal I can assure I am not committing fraud or any suspicious activity. I just need my money to be released. I asked Citibank if this is how they treat people who have a lot of money in their accounts? I am sure there are people who are millionaires and have bigger deposits than I have. They are condescending, rude, unprofessional and accusatory of anything I say. I am XXXX years olds and live in XXXX  I have never been in trouble before in my life, I am not a criminal. I just need my money so I can move to XXXX  and be with my fianc when he returns to the US. I was told 2 weeks ago that I would receive an answer in 5 business days but that came and went. I called the bank again last Tuesday XX/XX/XXXX and was told again that I would receive an answer in 5 days. But still nothing. I should have checked out Citibank before I became a customer. I have found out some very disturbing things about Citibank practices. I read where XXXX XXXX dollars was transferred from Citibank to the wrong account and then fined. There are some deceptive practices and illegal activity perpetuated by Citibank and they have the audacity to hold my account hostage? NO! I am not going to let this happen. I have read reviews and complaints from other Citibank customers that experienced the same treatment that Citibank is doing to me. They are causing severe mental anguish and stress because I will be out on the street, with no job, no money, no food, and no car. Citibank really needs to be investigated throughly they are nothing but thieves, unethical and crooked. There is no reason for them at all to be holding my money hostage. I bet they are going to steal it and it will end up in some Indians pocket or transferred into an employee account. The money was verified and posted to my account. They were not illegal funds. It belongs to me and I want it NOW!! There is no reason for it to take this long. Citibank really needs to re-evaluate the decision to send jobs to XXXX. Just because they work cheap doesnt mean it is better service. Jobs that Americans could have are given to foreigners that are clueless and incompetent. The unemployment rate in the US right now is skyrocketing, people need jobs in the US. It is sad that the CEO of Citibank lets greed determine his actions. It clearly is about the almighty dollar and thats all that matters to the extent of stealing customers 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