Consumer complaint received 2020-12-24
Company: CITIBANK, N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I opened an account with XXXX  XXXX, but account and routing number belongs to XXXX XXXX, Using the Citibank online, I made two transfers to XXXX / XXXX. I changed my mind and decided not to continue with XXXX  XXXX, and so I initiated a transfer from XXXX XXXX  to Citibank on XX/XX/2020. The money, consisting of two transfers, the first for {$10000.00} and the second for {$1000.00}, was apparently " flagged '' by an entity called XXXX ( I was told by XXXX XXXX from XXXX XXXX  ) Money has gone from XXXX  XXXX on XX/XX/XXXX and XX/XX/XXXX, but never arrived to Citibank. No one contacted me to tell me, I only found out when I called Citi to inquire where my money was. Citi told me to tell XXXX to perform a transfer recall, which I did. But ultimately, XXXX told me to call Citi, and Citi told me to call XXXX. I tried to start investigations, and neither bank is was willing to do so. I even drove to XXXX, DC ( I live in XXXX, Ga ) to closest Citi bank branch to speak to branch manager. She started investigation. XX/XX/XXXX. I have got an answer from Citibank. Here is the answer : " After careful review of the account records, on XX/XX/2020 at XXXX XXXX EST, a XXXX funds transfer for {$10000.00} was attempted from an account at XXXX XXXX to Citibank Checking account number XXXXXX. This electronic transfer failed to process to your Citibank account and was returned to XXXX XXXX  on XX/XX/2020. The trace number for this transaction is XXXX. In addition, on XX/XX/2020 at XXXX XXXX EST, we show a XXXX funds transfer for {$1000.00} was attempted from an account at XXXX XXXX  to Citibank Checking account number XXXXXXXX. This electronic transfer failed to process to your Citibank account and returned to XXXX XXXX  on XX/XX/2020. The trace number for this transaction is XXXX. '' I file a complain with FDIC concerning XXXX XXXX. This is their response : " The Bank explained in its response that the account was opened XX/XX/XXXX and was funded by a {$1000.00} transfer on XX/XX/XXXX. A second transfer of {$10000.00} was made on XX/XX/XXXX. On the same day, the Bank received transfer instructions from Citibank for {$1000.00} and {$10000.00}. The Bank honored the {$10000.00} " Paid-Rejected ACH '' and returned the {$10000.00} to Citibank. All of the transactions were originated by Citibank ; therefore, the Bank advised that all matters regarding the location of the funds need to be addressed by Citibank. '' Meanwhile, my money is gone. 
Today I was advice by Citi bank branch manager to file police report. 

Please can you look into this I want my money back in my Citibank account. This has ben a nightmare, forcing me to call each day for 3-4 hours. I want sanctions brought against XXXX, Citi and XXXX  XXXX. I feel helpless being tossed from one to the other and back again. No one will help me! Maybe if you contacted them, they would take it more seriously and return me 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