Consumer complaint received 2023-01-18
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
DATE : XX/XX/XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX FLORIDA XXXX XXXX CitiBank XXXX XXXX XXXX XXXX XXXX : XXXX Account Number ending : Citibank locked me from online banking, cant view my account Debit Card number : XXXX Citibank address : XXXX XXXX XXXX, XXXX XXXX FL XXXX, XXXX Citibank branch number : XXXX Re : Consumer Financial Protection Bureau XXXX # XXXX Re : Office of the Comptroller of the Currency Case # XXXX Customer Respons to Citi Reference Number XXXX On XX/XX/XXXX the customer XXXX XXXX initiated an international wire transfer in the amount of {$22000.00}, on XX/XX/XXXX a Citibank representative called Citibank customer XXXX XXXX on the phone ( XXXX ) XXXX to verify the wire transfer. In the month of XX/XX/XXXX where made over 10 calls from Citibank XXXX XXXX XXXX to Citibank about his account, over the phone all calls were verified and the Citibank customer XXXX XXXX WAS VERIFIED by Citibank representatives. The Citibank representative verified and confirmed the wire transfer in the amount of {$22000.00} was successfully verified and successfully completed over the phone. ( Citibank customer XXXX XXXX recorded all calls ). Within 72 hours Citibank wrongfully stopped the wire transfer, and marked it fraud. Citibank violated and harmed Citibank customer XXXX XXXX by reporting false information on his account. 


Citibank is using manipulative law tactics by just replying partially to the complaint and NOT addressing the customer 's XXXX XXXX complaint in full, avoiding the customers questions and requests. 


Citibank confirms the closure of the account in XXXX, and 60 days and ignores entirely to respond to the release of the wire transfer in the amount of {$22000.00} and the date of the release, removing the word fraud from the wire transfer and confirming the available balance of the customer XXXX XXXX and when the XXXX XXXX funds will be released to him. 


Citibank unlawfully froze customer account XXXX XXXX and illegally NOT releasing the wire transfer in the amount of {$22000.00} THAT was wired from Citibank customer account XXXX XXXX Failing to adhere to consumer protections governing customers bank accounts : Enforcement Action Under the XXXX XXXX XXXX Reform and Consumer Protection Act, XXXX XXXX has XXXX authority to take action against institutions violating consumer financial laws, including engaging in unfair, deceptive, or abusive acts or practices. The customer XXXX XXXX order requires Citibank to : Release the wire transfer in the amount of {$22000.00} immediately and remove the word fraud from the Citibank customer XXXX XXXX wire transfer that Citibank illegally and falsely reported. 


Close all Citibank accounts relating to XXXX XXXX last SSN # XXXX immediately, and send all XXXX XXXX available funds to the address on file. The customer XXXX XXXX is requesting all communication from today XX/XX/XXXX, must be communicated ONLY via email and or mail, including confirmation of the above request. 


Citibank claims to protect their customers, we found out that Citibank did nothing that protected customer XXXX XXXX from this event, but acted unlawfully by freezing customer XXXX XXXX account, limiting customer XXXX XXXX from accessing his bank account, removing all bank access to customer XXXX XXXX account balance and Citibank continue to hold customer XXXX XXXX funds that are much needed now for a family emergency, he worked very hard for. 

On the Citibank.com website account closure Citibank stated With your account closing, please remember to : Make sure that the address we have on file is correct- we will send any funds belonging to you to this address, once the account is closed. If you believe these funds should be sent to you sooner than the expected closing date, please visit your local branch or call the number on the back of your ATM/debit card. 


The Citibank XXXX XXXX XXXX believes and is requesting all his funds be released sooner to him immediately before the closing date. The customer XXXX XXXX made several calls in the month of XX/XX/XXXX and the month of XX/XX/XXXX requesting all his funds be released to him and Citibank failed to comply again. 


If Citibank fails to comply again within 20 days from today XX/XX/XXXX, the customer XXXX XXXX will file a lawsuit against Citibank over consumer law violations and demand compensation, and financial damage caused by Citibank. The Citibank violations affected the customer XXXX XXXX and his family member XXXX when Citibank wrongly and falsely frozen the wire transfer and did not allow the customer XXXX XXXX to have access to his and ONLY funds and/or bank account during a holiday trip, the customer XXXX XXXX still even now does not have access to his funds after verifying his bank account several times with Citibank. ( we listen to all calls between Citibank and customer XXXX XXXX, ALL CALLS HAVE BEEN RECORDED BY Citibank customer XXXX XXXX and will be attached as evidence if Citibank fails to release customer XXXX XXXX funds. 


The Citibank customer XXXX XXXX, with the legal team, specialized in protecting customers from banking fraud and holding financial institutions accountable for wrongdoing, found several violations, violated by Citibank against customer XXXX XXXX. 


If Citibank fails to release the wire transfer in the amount of {$22000.00} within 20 days from this complaint date a lawsuit will be filed against Citibank and all Citibank violations will be provided in court. 

IMPORTANT : Citibank customer XXXX XXXX changed his telephone number ( XXXX ) XXXX and can ONLY be reached only via email or mail on the Citibank customer file.

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