Consumer complaint received 2023-09-14
Company: CITIBANK, N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Over the weekend it was either XXXX, XX/XX/XXXX or XXXX  that I open an online banking account with Citibank because I already have a credit card through them and I have moved from the state of XXXX XXXX to XXXX and I open an account. I transferred {$50.00} from my account in New York to do initial funding and then on XXXX, XX/XX/XXXX I was issued a refund for an earnest check from XXXX XXXX XXXX XXXX XXXX  And they physically gave me the check on XXXX, XX/XX/XXXX. I use the mobile deposit feature with my Citibank app to do a mobile deposit of this check so I would have access to these funds while Im waiting for my unemployment to start and to get my first paycheck I called Citibank to find out when these funds would be available. These funds I was told would be available on XX/XX/XXXX. I called them right after I did the mobile deposit on XX/XX/XXXX on XX/XX/XXXX. I went into my mobile app to just to check to see if my funds were available those funds were not showing it was still showing as pending, so I started a mobile chat with Citibank to inquire on when these funds would be available. The person that I was on the mobile conversation was the mobile app said that these funds were going to be available by XX/XX/XXXX and he said possibly sooner if the check cleared so later on the day of XX/XX/XXXX, I went onto my mobile app to just check the status and happen to see if the funds may be had cleared and when I went in my account my banking account checking account was not even showing I couldnt even see it, I did call Citibank to find out why I couldnt view this and I was told a block was put on my account and I really didnt understand why so I was told to give it XXXX to XXXX hours. The box should be removed and everything would be fine. I did called on XX/XX/XXXX oh no XX/XX/XXXX which was XXXX  to find out about my account and I was transferred to the fraud department I was being accused of fraud. I did not commit any fraud. The representative that I was on the phone with which happens to be in XXXX, and they will not connect me to anybody in the United States, or anybody of hire service in Citibank that I could speak with. They told me that my account was in the process of being closed because of fraud they said it would be XXXX to 60 days before I would be able to get any funds if they approve me getting any funds from this account I called the XXXX XXXX XXXX XXXX XXXX to ask them if there was any way they could put a stop payment on the check that they issued me and issue a new one I would pay their fee they were going to do that for me and when they called the bank to put the stop payment they were told by their bank that the bank had already cleared the check, so Citibank got my money on XX/XX/XXXX, Citibank is telling me that the check has not cleared that they are going to close my account even though they verified with XXXX XXXX XXXXXXXX XXXX XXXX that they gave me the check and that the check was legitimate they are saying that I have committed fraud, which I have it. They are blocking access to money that I need to get by on until up. I get my first paycheck I have I dont know what to do I dont know how to fight them. I know it takes XXXX to XXXX business days with you guys to help with these complaints but do you if theres any way anybody can help me this heater I would appreciate it, they refused to transfer me to anybody that could maybe help me to try to expedite this they refuse to unlock my account. They are saying that I committed fraud which I didnt. They are saying address is in this and that does not match. I told them I changed my address on your website. I have not had a chance to change my address on my drivers license because I just moved here to Alabama and I am trying to get my house set up And they dont care and I have a gut feeling that these people are going to take my money theyre going to try to say that I committed fraud and theyre going to keep my XXXX and {$50.00} that I deposited with them in good faith, that so I would have some money to use to pay some bills wow Im in this transition process from XXXX to Alabama I just need how do you need some help to report these guys are of this predatory and fraudulent practice that they are doing. They wont even call the customer to let them know that they blocked the account. They want the customer to go in and try to either use their account or check something to find out that theyve blocked it and then be told that for some reason theyre just not gon na open their account and unblock it so they can get to their funds and theyre going to close their account and theyre going to make you wait XXXX to 60 days until they decide if they want to give you your money back, this is wrong but I just need some help from somebody. Ive got my email with my phone number. I just need some help thats all thank you if theres anything else you need just let me know. Thank you much bye-bye. 

Another address that they may have associated with this banking account is XXXX XXXX XXXX, XXXX, NY XXXX. I dont know if me changing my address to where Im currently living causes. I have no idea but if thats the case, its still wrong because I did it still didnt do anything wrong I moved so I just need resolution please thank you.

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