Consumer complaint received 2016-02-20
Company: CITIBANK, N.A.
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened this account around XXXX 2016. Ever since I have had the account I have had nothing but issues. When I first opened the account, they ended up opening a secondary checking account without my permission. The account I wanted to be open was being activated correctly by Citibank ( Citigroup ). I asked them why are XXXX accounts open with different checking account numbers and they did n't know. So I had them close the other account. For the account I wanted activated it took almost a month to get that activated because they kept sending me the old account signature card information to sign ( this is to open the account ) and the account I wanted to be open they kept saying that they have n't received my fax or mail regarding the signature card to sign. I had a direct deposit in the account so I was n't able to access any of my money. It makes it worst when they do n't have any branches within XXXX miles of XXXX XXXX. The next issue was the debit card. I requested to have a debit card sent, but they ended up sending me a debit card for the closed account. So I had to wait another 14 days just to receive that. The other issue was the starter checks. I asked for starter checks and they sent me the checks. This was probably the only thing they did right, however, they ended up charging me for a full box of checks that I never ordered and never received. I had to argue with the representative just to get the charge taken off. The last straw was today on XXXX/XXXX/2016. I find out my account has been suspended for some reason that no. Of the representatives can explain. They did n't notify me, email, or even text. So I am about to wake up to go shopping and to check my balance only to find out the entire account is shut down. I was very upset and told them to close the account for good. I have had nothing but issues with this bank and the customer service department is so rude. It 's like they want to argue about everything and put the blame on me, when it 's them not doing their job. I went to my other local bank and told them to stop payment on everything and changed my checking account so they would n't have any crazy charges or transfers from my account. Also, another thing that bothered me was that they held transactions for almost two weeks and when something is done processing and closed, they will reopen that transaction a week later just to see if I have a big charge to make things go negative. Well that happen with a check I wrote and the representative told me they would not charge the account a overdraft fee if I deposit money by check. Well I deposited money by check and was still charged a fee. Citibank even created issues with my car rental company. I had paid off the vehicle and they took the {$370.00} out, but they kept saying there was n't any funds in the account but I had {$700.00} dollars. They held that payment for a long time. Worst bank, worst policy, and by far the worst customer service I have ever experienced from any company.

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