Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

To whom it may concern, I am having a big problem with Citibank in regards to them blocking all of my accounts including my XXXX  accounts. I have called XXXX XXXX dept ( XXXX opt XXXX ) XXXX  times with no resolve. I would like for you to resolve this problem because it is causing undue hardship for me and my family. 
The whole situation started when I opened a Citi business account in the name of my self-directed XXXX  account, XXXX XXXX  XXXX XXXX XX/XX/XXXX. I recently purchased a house for an investment and the title company XXXX XXXX XXXX issued me a check for the balance from my mortgage loan. I deposited the check ( XXXX ) in my Citibank business account at a Citibank location that I just opened on XX/XX/XXXX th.. The next XXXX  my daughter who is away at school stated that the purchase declined and when she checked her account it showed that it was blocked. I go online and check and all of my personal accounts including my checking, savings, my sons XXXX  account and my daughters account are all blocked leaving me no way to pay my bills, deposit or withdraw money. I called the Citibank customer service who then forwarded me to the XXXX dept. The rep stated that the maker of the check has to verify the business. She asked me for a phone number to the business. I gave her the phone number on the website which also matches the phone number to the closing agent. They put me on hold to check then came back and stated that the phone number does not match the company on the check and the case will be under review for XXXX to XXXX hrs. She then stated to have someone from XXXX XXXX call the fraud dept. So I call XXXX XXXX and spoke with XXXX. She agreed to call Citibank XXXX. I waited a few XXXX  then called XXXX from XXXX XXXX. She stated that she answered all the questions that they had. I called Citibank XXXX XXXX and spoke to the rep who stated that she received a call from XXXX XXXX but the phone number listed is still not associated with the company. The title company phone number is also associated with an affiliate named XXXX XXXX XXXX. I told them this information but they kept repeating the same thing that the phone number is not associated with XXXX XXXX and they need another phone number or a rep from XXXX XXXX to call them. Out of frustration I ended the call. I wait the XXXX hrs and checked my account again. Its still blocked. I check my business account and it shows that I never deposited a check. The balance is XXXX and the checking account that I deposited the check in is now missing ( account # XXXX ). Only the savings account shows up ( account # XXXX ) online. I call Citi XXXX dept again and the rep stated that she could get it unblocked but she needs a phone number to call XXXX XXXX. I give her the phone number. She puts me on hold then comes back and states that the phone number does not match the business. I asked how she checked. She stated that she could not tell me. She suggested that someone from XXXX XXXX call the XXXX dept. So again, I call the title company agent that I was working with, XXXX and she agreed to call Citibank. She stated that Citibank has already cashed the check and that they could not cancel the check at this point. So I waited a few XXXX. I spoke with the same rep at Citibank again and she stated that she spoke with XXXX. XXXX informed her that XXXX XXXX XXXX and XXXX XXXX are affiliated with each other and share the same phone number and address. The rep stated that she will take this information to the approver then get back to me. She put me on hold. She then came back and stated the approver stated that they can not use the information obtained to unblock the account and suggested that a XXXX XXXX rep physically go to a Citibank branch to verify the business. There are no Citibank branches in XXXX! This is an unreasonable request and the Citibank rep agreed. 
So now I am filing this formal complaint against Citibank and need help unblocking my accounts and returning the money taken from me. 
I also called Citi XXXX XXXX XXXX on XX/XX/year> to also file a complaint. I spoke with a rep named XXXX. My case # XXXX. She told me the analysts name will be XXXX. I have not yet received correspondence from her.