Consumer complaint received 2017-03-17
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I made a cash deposit of XXXX in a local Citibank ATM. I tend to make multiple large cash deposits like this monthly do to having to transfer money between multiple banks. On XX/XX/XXXX I was going through my bank statements because over the last few months I have caught Citibank adjusting my funds around so that I would bounce checks, I decided that i would look back a few months because it seemed like my balance did not add up to my personal spread sheet i keep at home for my banking records. I came across multiple discrepancy that I will add later on here as well. I discovered on XX/XX/XXXX when i made 3 deposits of XXXX dollars they had my account showing that i withdrew XXXX and then deposited XXXX then deposited XXXX and then deposited XXXX and then deposited XXXX. Now they showed me making all of these transactions at XXXX then at XXXX and then 2 deposits at the same time in the same machine at XXXX one for XXXX and XXXX which I did not do any of the transactions listed at the time they adjusted it to say. I seen how messed up the transactions were and that i was missing XXXX plus XXXX dollars in withdrawals that i did not do. I called Citibank to report the errors and requested to file a investigation and requested to have my missing money credited back to my account. on XX/XX/XXXX City Bank agreed to credit XXXX only to my account and said they would look into the issue and send me a report when the investigation was done. Now I was irritated considering i have still XXXX missing and that I caught them moving charges around to bounce my account, Now on XX/XX/XXXX I received a letter in the mail from city bank stating that they were going to pull the XXXX from my account because I should have reported the error sooner then 60 days. I called them and told them that I would have reported it sooner if I was not gone for business, and then gone for XXXX and XXXX holidays, and that honestly they are supposed to make sure my account is accurate and that i should not have to check everything all of the time because thats there job. After telling the lady over the phone to not steal any money from my account she said she was sorry and there was nothing she could do. She admitted to me that Citi bank seen the error and that they adjusted it on that day which now explains why i had multiple withdrawal 's and deposits that day. I told her that thats my money and I wanted to file a dispute so they would not pull the only money I had to my name she filed a new dispute and let me go. A few hours later I seen that my account was overdrawn for XXXX dollars which i called again and they said sorry but they cant do anything. I told them thats stealing and that they can not legally keep my money just because it was a little over 60 days when i seen the missing money. This Bank stole my money and left me and my children penny less for 4 days until i was paid by work. I missed 3 days of work and I want Citibank to not only Pay me the XXXX they stole but XXXX for 3 days loss wages and to tell my children why they had to ask a local church to help feed us because the greedy banking company stole there fathers XXXX dollars to pay for Food and Gas the rest of the week. Please have this bank held responsible for there illegal actions. If you need documents please let me know I can provide everything you need. 
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 monetary relief