Consumer complaint received 2022-10-15
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello. Citi bank has stolen my money and is refusing to discuss the matter with me. This situation began back in XXXX of XXXX On XX/XX/2022, Citi bank suddenly marked my checking account for closure without providing any explanation other than the bland email that was sent to me. I called numerous times to get an explanation and to retrieve the money that was in my account at the time of closure, but I received awful customer support. There was {$4700.00} in my account at the time of closure. In addition, on XX/XX/XXXX, prior to me receiving notification of the closure, I had some of my money transferred to my Citi checking account via 2 entities, XXXX and XXXX.These deposits amounted to {$4700.00} and had fully processed after my account has been marked for closure. After a gruesome 2 months of constant perseverance, on XX/XX/XXXX, Citi finally agreed to send me the INITIAL {$4700.00} that was in my account. Mind you, this was after Citi bank had adamantly claimed that the money in my account was not mine, which of course is false. In XXXX, I received a call from an analyst who said my money in the account at the time of closure would be getting sent back via a check, but not the other funds that were sent to me. I asked about the other funds, to which she said that it was returned to the sender. This was a lie as proven by the email I received on XX/XX/XXXX which states, " The additional funds that were in the account at the time of closeout all were in the name of third parties. We are unable to return any third-party funds ''. Citi bank has my money and has not returned it. Surely a bank customer can be the rightful owner of deposited funds without his/her name because in the memo of the deposit. I reached out to the senders numerous times and have found out that nothing was sent back. Once again Citi bank has lied to me. I called Citi to get this matter addressed once again, but the representatives in the Citi bank XXXX response unit have proven to me misleading, deceptive, and wholly untruthful with me in our dealings thus far. Furthermore, they have not been returning my calls and are refusing to communicate with me about this matter, despite them having MY money. I am hoping that will change. It is of my belief, based on their treatment, that Citi bank is discriminating against me on the basis of my age, ethnicity, or race, or the any combination of those factors. The blatant disregard that they have displayed towards me is unjustified, right along with the complete refusal to return my money to me. If this goes on without being addressed to a higher authority, I believe Citi will subject many of their other customers to this unfair and cruel treatment, which Is why I refuse to let my concerns fall on deaf ears. I will continue to persevere until Citi bank returns my money to me!

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