Consumer complaint received 2020-10-05
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
As of XX/XX/2020, I filed a complaint with you because Citibank has not handed me my inherited funds. The file number you assigned me was XXXX. 

Dated XX/XX/2020 after 15 days I entered its portal and observed that Citibank issued a response letter referencing an earlier letter that it issued to me on XXXX. In this letter Citibank is assuming and not concluding or giving valid arguments. 
With this response is the third time that Citibank has opened and closed my case which highlights its informality and lack of professional ethics to give it prompt solution and my inherited funds. 

On XX/XX/2020, Citibank issued me a letter which is exactly what it refers to in the response it gave you. If you see this letter it lacks foundations as it is only assuming that I was subject to an act of fraud. After receiving this letter and I answered them by email for which I copied the CEO of Citibank on XX/XX/2020 XXXX SEE ANNEX I ). Because of my strong arguments and evidence on XX/XX/2020, I was asked for 15 more days to investigate ( SEE ANEXX II ). This means that that answer they gave was without effect. As you will see this is not mentioned by CITIBANK. 

On XX/XX/2020, they issued the second resolution ( SEE ANNEX III ) where all they did was give a copy paste to the first resolution by amending only the following : " that I was subject to a fraudulent act and that if I want to recover my money I must make a complaint to the Federal Trade Commission ( FTC ) or the Federal Bureau of Investigation XXXX FBI XXXX and that the case was closed. 

Again his second answer was unfounded and I considered it a mockery of my person. Having shamefully received this letter that same day ( XX/XX/2020 ) I emailed the CEO of Citibank expressing my annoyance at the response received from his bank and giving him again my convincing arguments ( SEE ANNEX IV ). After I sent that email to Citibank 's Chief Financial Officer and read it on XX/XX/2020 again Citibank asked me for 15 more days to investigate my case ( SEE ANNEX V ). As Citibank knows that my answers to your letters are based on the truth dated XX/XX/2020, they sent me another email requesting more time. Citibank 's action in asking me for more time has taken effect the resolution issued. 

With all of the above and evidence attached in the annexes, it shows that Citibank has acted unfairly, informally and mockly towards me evading his responsibility to hand over my money. A company formal, serious and above all fair undertaking conducts its investigation, issues its resolution with valid and sustained arguments and maintains its firm position and does not take a position like Citibank which makes it look very bad to me and now to you. 

In this complaint process I put before you Citibank sends only the information that suits you by referencing a response that you sent me dated XX/XX/2020 that was without effect and where they only assume. My question to them is : Because in the response you were given because of my complaint filed do not refer to the last letter you sent me dated XX/XX/2020?. The answer is very simple because they don't want to expose to you that they themselves left the first letter they issued to me and that if I want to get my money back I put a complaint in the FTC and FBI. Why are you hiding it? 

It is disgraceful that a bank like Citibank deceives you by pretending to adhere to its grievance procedures that one puts before you when all it does is issue un baseless and invalid conclusions making you believe it is investigating. Citibank no longer has anything to investigate simply that it merely pays. 
In conclusion, apart from the one that Citibank wants to misappropriate my money, it continues to deceive both my person for the third time and a federal government entity as you are in making me believe or appear that for 15 days you investigated my case when you did nothing. In his reply he does not tell the truth as he did not refer to the second letter he sent me on XXXX XX/XX/2020 but to the first letter dated XXXX which, as you will see, was left to no effect. 

Finally Citibank lies by lying that I was the subject of an act of fraud when the same bank issued me a letter of guarantee ( SEE ANNEX VI ) that I requested to ask for a bank loan that would allow me to raise all the money to pay the inheritance tax to Internal Revenue Services ( IRS ). The bank asked me for that letter to show the fate I was going to give you to the money you were going to lend me. This letter Citibank has it in my file and it does not mention it either. I am attaching the original letter received from Ctibank for which I hid the name of the Citibank executive who issued it and signed it even though they know exactly who it is. This letter is blunt evidence that denies citibank 's assumptions of fraud and forces them to pay my money. 

Gentlemen of the Consumer Financial Protection Office ( CFPB ) as I can see as evidence elements, arguments and documents unlike Citibank which has provided nothing. 

In the face of the foregoing and considering that the Office for Consumer Financial Protection ( CFPB ) is a federal agency that has the mission of ensuring that banks are fair and transparent I request the following : 1. That the Consumer Financial Protection Office ( CFPB ) declare without place or without effect the response issued by Citibank for concealing the truth of my case before you by not referencing the last letter it issued to me dated XXXX. In addition, the accompanying letter of guarantee issued by Citibank constitutes evidence that denies its assumptions. 
2. Require Citibank to pay me my money as soon as possible as well as interest from XX/XX/2020 to date. If you do not have that power based on my complaint and all the elements you already know and proof documents attached please move my case to the legal entity that you deem appropriate and that can enforce my rights and resolve my case as soon as posible.

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