Consumer complaint received 2022-09-20
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello. My name is XXXX In XX/XX/2022 I opened a Citibank account and deposited money into it from my job and earnings from the last 3 years I was using the account fine and everything was good but all of a sudden XX/XX/2022 I received a call from Citibank stating that there was some fraud un authorized ACH activity going on in your account do you recognize it?. I immediately went through my online banking and responded back that it was not me and it was a fraud then the fraud department started a claim for me while I was on the phone with them and suggested I open a new account and transfer my available funds to a new account to avoid further fraud so I opened another account by one of customer service agent online ( through ) and transfer my funds to the new account. After that by XX/XX/2022, I called to fraud department to know the status of my fraud claim they mentioned claim is closed and my account was credited with the funds and I have full access to use my funds after that. On XX/XX/2022, I received an email from Citibank stating that " Your Citibank accounts will automatically close within 60 days '' and " We found that you have violated the terms of your account per the client manual. ". and in that email, they mentioned I can get my funds after 60 days through the mail by check but if I want to access my funds sooner I have to visit the branch with my id I have attached pictures of the email below. This came as a surprise as I was not using this account for any illegal or malicious purposes. I used this banking account to make purchases ( food, clothing, etc ), and also I have a plan to purchase a home in the future as well as to receive incoming deposits from my small-scale self-employment and job, Between that time and now, I have called Citi Bank XXXX00+ times , constantly getting transferred, being told that there is no specific information they can give me and that I will receive my funds within 30-60 days. I was also told numerous times that the reason it looks my account has been marked for closure is because of suspected fraud. With that being said, I must say that It is rather remarkable that a large corporation such as Citibank holds nearly { {$58000.00} } of someones money simply because they suspect fraud as if it would not be very easy to simply have the client verify the transactions that are in question. That same day, XX/XX/2022, I called the bank 's general number and was transferred over to the fraud department who said that they could not provide any info and then I would need to simply wait it out. After one month I visited a local branch XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX on XX/XX/2022 that same day and was told that I would need to once again call the fraud department because they are the only ones who can help with that concern. For the next 2 months, the same day I called the branch manager the person from the fraud department who hold my account illegally she did not mention her name and said you will receive zero dollars what can you do and she humiliated me with a sarcastic way repeatedly I felt first time in my life, XXXX, tired and even I cried all the day just because dont know what to do. From the same branch, I took copies of my statements and recent transactions also someone from the bank understands my situation and I was suggested by one of the bankers in the branch to contact CFPB to get some help. 
Please help me to recover my funds from Citi Bank 1 ) Citi bank XXXX 2 ) No customer service 3 ) Even if they are not explaining to the bank manager 4 ) Citi Bank not even following the instructions provided by the Citibank to me by email I am attaching all the necessary documents please help 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 monetary relief