Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I reported that I believed my account was hacked or at the very least had unauthorized activity. There were transactions coming out of my account for a merchant called XXXX XXXX  that I had previously put a stop payment on because I had not authorize them to take money out of my account and I was given a refund, but then XXXX more charges happened around XX/XX/XXXX. On XX/XX/XXXX, I tried to log into my account and was denied access saying that my account was restricted. I called. I went to the branch and I was told that I would receive a letter and I had to wait for the letter to come on XX/XX/XXXX I received the letter saying that my account was being Automatically closed due to a periodic review of accounts that my account would be restricted from deposit and withdrawals, but would still be open until the 60 days it also said that I could go into branch and retrieve my funds if I thought that it was necessary to receive them before the 60 days on XX/XX/XXXX, I also received notice that I would be getting evicted for my apartment so I started reaching out to the bank saying that I felt necessary for me to have my funds because I need my money and there would be no reason for me to continue working with the bank since this is the third time that they have done this to me. Im on the hold. It has been 60 days of my account I had to I received the closeout check for XXXX which was XXXX XXXX  but for the other which was XXXX and XXXX  XXXX  I have not I have called. I have XXXX in the bank I have exhausted all avenues and they keep telling me that XXXX not getting any money even though my balance is {$2000.00}. Last year the same thing happened and they took {$2500.00} from my tax return. I dont know whats going on with Citibank but I really would like my money and should have gotten it the same day that I got the other check that they ups to me. This is how I know its a lie because if after my account was being closed, there were transactions being processed, and there was no money in my account that my account wouldve been in the negative and my account been negative then I wouldnt have received the check for XXXX XXXX  on my second account because they wouldve kept the money firstly. Second thing is that Im still receiving notices that say that my account was a balance of {$1900.00} up until the day. It was closed that when I went into the branch, they were telling me that they had my money and some subledger and kept saying that I was under some investigation, but its been over 60 days and I have received not one letter saying that anything has been investigated about anything about fraud. Nothing but just in my account was being closed. I dont know what Citibank has going on, but I need my money and this is very illegal and I will sue them. I should very well be able to go into the branch and get my money just like I did last year or when they close my account and tried to keep my money. 

That was my original complaint. 

As of today my accounts have officially been closed but I only received payout for one accounts. My balance was {$2000.00} and I was told no funds were deemed belonging to me. I never received any documentation saying an investigation was happening or that any fraud commenced or that my deposit would be held or delayed during this entire process. I have read the uniform code. This is illegal. And I thought this agency was supposed to make sure the bank wasnt able to do such things but I guess I was wrong. To think I went to war for my country but my country wont go to war about my money. Shameful. I dont see how they sent a response this agency saying they sent the money and didnt isnt illegal and fraudulent as well. I was given no investigation after my complaint and now every time I call to speak to a supervisor they hang up on me. I even went in the XXXX branch and the manager refused to speak to me and told me there was nothing they could do when my account was still open and being used by Citibank to do whatever they wanted with my money. As you will notice in the uploads, I was locked out of my account on the XXXX of XXXX, yet there are transactions occurring in XXXX. THIS IS FRAUD and I will be seeking arbitration on XXXX.