Complaint sub-issue: Confusing or missing disclosures

This is an ongoing fiasco with Citibank.. First thing was a scheme that they engaged in to steal {$45.00} prior to dormanting the account. If they dormanted the account then they would have had to send it too State. Instead they engage in financial manipulation to steal the balance in account by charging {$15.00} a month that never happened in past, to accomplish to maneuver to wipe out account and steal these funds. To add insult to injury they pushed me to open this account years ago when I had a Home Equity Line. I never used the account or needed but they wanted it opened only to steal the {$45.00} in the final 3 months of account ... Fraudulent deceptive trade practices. Then finally once I could go into the branch to resolve I finally was able to speak to a District manager XXXX who seems like the only remotely competent person in region.. Reaching this branch or other XXXX Branch is impossible and super poor service. Calls get shifted to call center and they know nothing and tell me to go back to Branch, but forget about reaching them by phone.. Doesn't happen. You have to make an appointment or walk in and wait. I don't have time for this nonsense. As mentioned XXXX agreed to fix and refund the {$45.00} but not without waiting 3 to 4 months and multiple calls to call center because that is all you can reach and often results in getting no resolution. At the time XXXX straightened out the {$45.00}, Citibank spoke to me about depositing {$20000.00} to a savings account and after 90 days they promised to gie me {$400.00}. Again this process was a mess, drawn out and delayed. To do a transfer from XXXX XXXX to Citi bank was not simple setting it up trial balances had to be done, then they didn't match, then they had to be done again and as a result there was a delay.. Now I wait the 90 days and they say because the fine print said I had to do it in 30 days and apparently missed the 30 days by a few days.. Welll .... the attorneys writing the fine print are alive and well at Citibank to help them get money deposit free and pay nothing. I lost 2.75 % apy pulling this XXXX from XXXX  to Citibank only to have to deal with Citibank scheme.. Whats interesting is when the trial balance delays were going on, with either Citi sending trial balance to XXXX  not showing up and then XXXX sending Citi trial balance I would call to follow up and because the XXXX offices are not reachable I would get routed to Call Center and talking to them is like talking to a foreign country.. The call center knows nothing about what branch and promo they are doing and the Branch if even reachable they are way out of touch and unhelpful ... 

Another inconsistency in there paper work is where I show in Citi 's system as a savings account XXXX, but when I got sucked into Citi 's promo scheme, by there fine print, delays, and impossible to reach branch I noticed that they call the account a Checking/Money Market XXXX Why this is important is how it relates to there SPIN GAME of PROMOS and fine print.. SHAME ON YOU CITI WHAT GAMES YOU HAVE TO ENGAGE IN TO COMPETE WITH NEW AGE BANKS LIKE XXXX, XXXX XXXX I predict CITI to be a Dying Bank in future ... Maybe Citi is a better fit in XXXX XXXX instead of XXXX XXXX ... Horrible bank that really struggles with the Truth and hiring competence.