Consumer complaint received 2023-07-02
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Ok.. now, this is where I begin at with this citi Bank . I called tonight starting from XXXX XXXX. till XXXX XXXX. and I had no resolution to my checking account ending in XXXX. Mind you, I only used account with {$250.00} for the direct deposit from my XXXX XXXX account to start my funding for citi bank account or accounts, so I followed and did everything legally. Then, u will see all the attached statements from the three months I only used that citi account for I only stayed for one direct deposit from XXXX for {$910.00} due too them making false statements against my account. I took screenshots of every inch and every foot of the process of my XXXX XXXX check hitting my account ending in XXXX a $ - XXXX overdrawn account now??? How??! Omgosh! Wow, Im in shock. Pls look at the dates that they stated the transaction or transactions went through. Now, theyre stating that the {$240.00} payment that citi bank allowed without my CONSCENT while I was on the recorded line at the exact same time citi bank took {$240.00} from my account ending in XXXX, and allowing home depot.com too take yet more money from my account without my permission wow, I put another partial payment for a couch-originally ordered for {$670.00} at XXXX XXXX on the same date as on XX/XX/2023??? Why would I put a partial payment on another same, HALF of a couch that Id half too cut in half cause that is what citi bank approved them too take from my account I called Home Depot as well I spoke with multiple supervisors and a few saw the charge for {$240.00}, Wow. It is all recorded, I swear. what in the world is going on with my account??? Wow. Pls look at the before screen shots and evidence of my XXXX positive balance and then, after I transferred my XXXX from my account ending in on the XXXX XXXX XXXX XXXX, too the XXXX ending account, it went hey wire! My account did! Wow XX/XX/XXXX, due too me transferring my {$910.00} too the correct account there at citi bank, with a teller on the chat with us option, I was on the phone with a citi bank worker when they, the citi bank, or whom ever, allowed another partial payment of {$240.00} on my debit card??? After I made my first authorized purchase for the full payment of the couch from home depot online. The payment I didnt authorize, {$240.00} my first transaction on that account was for my new couch at the time, and it went through at XXXX as u can see from all my evidence Then at XXXX XXXX. Home Depot was allowed without my permission too take yet another XXXX! Omgosh! They never gave me my funds back either from citi bank, as in the {$240.00}, I cant recall. It went missing, literally, and their stating that they have no record of it! I do though as shown in evidence I have the screenshots uploaded from the portal from citi bank app on this whole complaint. Wow then, the citi bank put allllllll, and I mean allllllll my transactions, in a specific order after I never purchased my products in that order as the statement and screenshots show.. Pls look. They are over drafting my account honestly, and its too much as in overcharges and all alleged fees! My total positive account at citi bank was {$910.00} on XX/XX/2023. And now its too a NEGATIVE - {$1000.00}. in less than 8 days according to citi bank, Im allegedly owing them XXXX or more now when I had a positive {$910.00} in my account when my XXXX deposit hit the new account and after I transferred the {$910.00} too my account ending in XXXX. I had transferred from account ending in XXXX too the account ending in XXXX. This isnt fare too a social security recipient. I only make {$910.00} a month, so my account never went negative, until they mixed up all my transactions. Pls help and look at all my evidence I took before and after the transaction dates of the only weeks and days I had use of that account. Pls, I Also tried too talk too three different supervisor and or managers tonight, and I had no, and I mean no resolution. I tried too fix it with them, but they dont listen too customers, and they transfer and transfer u too another person, or they tell u too contact the dispute department. Omgosh! It was literally jumping in circles trying too fix my account and they citi workers never and I mean never helped and its allllllll on their end, by citi bank, thankfully recording our conversations for the three times Ive tried too contact them directly, and too fix my account correctly. Period! I have proof, pls look. Period.

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