Consumer complaint received 2017-04-12
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/XXXX when I called the CITI bank customer service regarding a closed account XXXX, the citi representative told me that the bank closed this account back to XX/XX/XXXX. I have NO any knowledge and I never received anything regarding this closing account. I spoke with CITI rep named " XXXX '' about 30 minutes regarding if the bank can re-open this account in order to receive a incoming direct deposit on XX/XX/XXXX. She told me to go to branch. However when I went to branch, the branch rep told me to call XXXX number. ON XX/XX/XXXX when I called the bank rep regarding the current dispute issues, I was told by the bank rep that this bank is in process to close all my account and mail me the remaining balance by check. Because I had same experience with XXXX who stole my funds and closed all my accounts in XX/XX/XXXX and XX/XX/XXXX. So I went to CITI on XX/XX/XXXX to ask them when they are going to close the accounts and why, however they never give the exact the time. On XX/XX/XXXX I told the bank rep that the government is not willing to update the bank account info and ask them to re-open the account XXXX in order to receive the refund because its bank 's fault. I also asked the bank to responsible the lost incoming refund {$500.00} because the bank closed my accounts at their own discretion. I have clearly told the bank that all dispute items are still valid. Not just because the bank close all my accounts that I can forgive bank 's fault. CITI bank must return the following dispute items plus my incoming refund {$500.00} on XX/XX/XXXX. 
1. You never pay me promotional bonus {$400.00}, {$100.00}, {$500.00} & XXXX thank you points. As the promotional offer stated that the offer was for new account NOT new customer. The offer specifically indicated for existing savings plus account customer. In XX/XX/XXXX there were two new checking accounts which was linked with new savings plus account & new deposit. 
2. I can not submit a new bill payment. As I stated that I submitted a bill pay {$740.00} on XX/XX/XXXX which was before the due date XX/XX/XXXX. This problem caused by XXXX county and another retaliated bank in XX/XX/XXXX. As national bank, you must responsible for this extra cost {$150.00}. 
3. In XXXX your representative XXXX choose to close my debit card which I did NOT agree with. Therefore you must responsible for my time and cost ( {$20.00} ) to pick up the card at XXXX facility. 
4. I am asking {$50.00} wire transfer fee to be back because my deposit was NOT safe due to the theft activities happened in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX a unknown person opened new Citi account by using my information. However your fraud department did NOT respond when I notified them. Since my deposit and transaction information were not safe, then you should responsible for {$50.00} wire transfer fee because the wire was NOT delivered on XX/XX/XXXX - XXXX per recipient. I had great concern that the funds were delivered to someone else. That 's the reason I put a review request. 
5. {$280.00} dispute on two transaction : one was XX/XX/XXXX {$110.00} plus {$25.00} plus {$12.00} ( NO fee replacement transaction ), {$110.00} charged twice plus {$25.00} fees plus {$36.00} photo fees from same merchant. On XX/XX/XXXX I returned merchandise back to merchant. 
6. Another dispute was XX/XX/XXXX {$140.00} ( merchandise was expired and returned ) due to constant dangerous harassment in the XXXX county, Maryland. On XX/XX/XXXX your citi rep told me merchant returned back {$140.00}, however 5 business days passed you never put {$140.00} back to my account. 
7. {$3400.00} foreign exchange rate loss in XX/XX/XXXX. The exchange rate was {$1.00} to XXXX, however I was only given {$1.00} to XXXX. 
8. {$20.00} unauthorized charge was canceled during pending stage on XX/XX/XXXX. 
9. {$9.00} fraudulent checks which were cashed by another bank on XX/XX/XXXX and XX/XX/XXXX. I need my {$9.00}.

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