Consumer complaint received 2015-10-27
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In approximately late XXXX 2015 I had to file a dispute of charges of XXXX by a merchant ( attorney XXXX XXXX XXXX XXXX against me, because this attorney had fraudulently charged me. I 'd been a loyal customer of Citibank for so long. BUT CITIBANK CHEATED ME AND TOOK MY MONIES. On XXXX/XXXX/15 Citibank issued me documentation stating that they had decided that the charge was unauthorized and the provisional credit was permanent. I had rightfully relied on that documentation. I was also ill, so I had to leave town XXXX. I sick and could not come back until late XXXX 2015. However, AFTER THE FACT THAT CITIBANK HAD DOCUMENTED THAT MY CREDIT HAD BEEN DEEMED " PERMANENT. '' Citibank then received a fraudulent paper, from the merchant ( attorney XXXX XXXX ) with a " signature '' that he had FORGED AND LIED WAS MINE. Citibank immediatly went back and decided the dispute against me and took the permanent credit BACK FROM ME AND CAUSED MY CHECKING ACCOUNT TO BE IN THE NEGATIVE. I did not discover this until XXXX/XXXX/15, when I received the letter fromCitibank. In tears, I immediatly called Citibank fraud supervisors, immediatly, explained my situation and begged for my credit to be placed back in my account. They refused. They each and all were highly emphatic, to the point of sadistically uncooperative and unwilling to make ANY AMENDS OR SO MUCH AS AN EXCEPTION TO HELP ME, A LOYAL CUSTOMER. I went into the bank, politely, urging the branch staff to help me. Staff made a few calls to administrative staff, but intentionally and falsely put me in a bad light and, in the end, told me, in so many words, to go XXXX, and stated that they would NOT help me. I then Appealed the case/dispute and faxed in my Appeal that very same day. Only one hour later, when I again called dispute supervisors, they each told me that the Appeal had already been decided against me and that I could just go and suffer!. The Appeal had been decided already that quickly and all against me? Then I got a call from XXXX XXXX, leaving me a voice mail, begging me to call her back, alleging she would " help '' me. When I called her back and was polite with her, her actually said that she would not be helping me, but had " just called to ban ( me ) from the bank. '' I remained polite with her, even when she was rude. How can I be banned when I have accounts with this HORRIBLY DISHONEST bank? I called supervisors again, BUT I WAS TOLD THAT I 'D BEEN BANNED FROM PHONE SUPPORT AND CUSTOMER SERVICE AND THAT I HAD TO CALL XXXX XXXX TO CONDUCT ANY BUSINESS. But XXXX XXXX had banned from the bank, so what was I supposed to do? They had put my account in the negative, due to their own cheating and incompetence, lack of cooperation, sadistic mistreatment of their customer, then had me banned. Subsequently, my account was closed -- by XXXX XXXX -- and I was informed that I " OWE '' the bank the negative amount ( without having a chance to right my negative account balance )! I do NOT owe this CORRUPT BANK ANYTHING. THIS CORRUPT, INCOMPETENT, UNRELENTING BANK STAFF HAS CHEATED ME, MADE NO EFFORT TO HELP ME, HAS BEEN UNCOOPERATIVE, AND THEY OWE ME -- NOT THE OTHER WAY AROUND! I still can not get any remote amount of cooperation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation