Consumer complaint received 2022-12-13
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a person who has financial services with CitiBank, 2 checking accounts, 2 savings accounts and 1 credit card, for more than 2 years. On XX/XX/2022, I received a check from Citibank Bank for {$6000.00} dollars, which I deposited in a Citibank ATM on XX/XX/2022 in my savings account. On XX/XX/XXXX, when I enter the Bank 's Application to make the usual regular payments, I see that all my accounts have been blocked and I do not understand the reason, I immediately contact the Bank 's customer service to find out what happened, they send me to a call with the Department of Fraud and Deposits, who confirm that my accounts have been blocked and are going to be closed for the Deposit of a {$6000.00} check is the only explanation I receive, and I still don't understand what the problem is with this check I spoke with the issuer of the check, who calls Citibank Bank and they tell him that there is no charge in his account for any check for that amount, the next day the issuer of the check and I went to Citibank Bank to find out what is happening and that they give us a solution to the problem. They review my information and indeed the notes they find is that my accounts are blocked by that check, they ask the check issuer for the information and they see his active account without any charge, they ask him for the information on the check drawn, he shows his checkbook who wrote the check, the person who attended us confirms that this checkbook corresponds to a closed account, he explains that he had 2 accounts and that he closed one because he did not need it, that he kept the 2 checkbooks and that at the time of writing the check he used the wrong checkbook and made a mistake, the person from the bank once contacted the Department of Fraud and Deposits to report what happened, I talk to them and give them the same explanation and ask them if they want to talk to the issuer of the check and they do not accept to speak with him, they tell me that the accounts will definitely be closed to wait for a notification in 10 days, the reason for the non-payment of the check is already known. I deposited it in one of my accounts savings, I understand and am willing to have them investigate and present the necessary evidence that it is not a fraud and that I have never made an illegal movement, it is your obligation to contact the issuer of the check to hear their version and confirm what happened. 

It is a decision of total abuse Block the other accounts and not allow me to have our money to pay the obligations where my husband and I have received Direct deposit of the payment of our work and we make automatic payments of the cars, credit cards, Rent, Electricity, Gas. to date all payments have been rejected, I feel that my rights are being violated, affecting my credit history and causing extra payments for not paying all my bills and rent on time. 

I attach the information of the check and the receipt of the deposit where a copy of the check appears on the day and the hour.

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