Consumer complaint received 2024-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (TX)

I've lost a lot of trust and credibility in the XXXX XXXX XXXX due to an ordeal that has spanned XXXX months. This ordeal has contributed to my XXXX XXXX health condition worsening. I feel frustrated and helpless. 

On XX/XX/XXXX, I wrote a {$5000.00} check from my XXXX XXXX account ( XXXX  ) to my Citibank account. Citibank withdrew the amount from my XXXX account the following day, as expected. 

A few days later, Citibank sent a email they are closing my account, citing fraud concerning the check I deposited. In other words, they claimed to have seen some issue with my XXXX 

I called them to verify the account and confirm Im the one that made the deposit. Citibank said they had decided to close my account regardless. Citibank then informed me I would have TO WAIT 2 MONTHS BEFORE they sent me the balance in my account via check ( my previous balance plus the {$5000.00} ). This was money intended for my ailing father 's care and dealt a big blow to his possible recovery. 

The whole thing didnt make sense to me because, if Citibank XXXX fraud, they should have chosen not to process the check. Yet, they did, and the funds were withdrawn from my XXXX account next day. 

Regardless, I decided to wait the XXXX months and had to seek out loans from friends and others with interest to afford my XXXX XXXX XXXX 

After the XXXX months waiting period elapsed, I contacted Citibank to reclaim my {$5000.00}. My XXXX XXXX condition had worsened but I was hopeful it could improve. Citibank sent me a check for {$200.00}, claiming they didn't have the {$5000.00} I deposited - the amount they withdrew through my XXXX deposit. 

Ive beem chasing them for XXXX months for my money to no avail. My XXXX XXXX has escalated beyond normal. After several rounds of back-and-forth, Citibank advised me to contact XXXX and ask them to recall the check - recall a check deposited in XXXX. 

My XXXX bank said it had been too long since the check was issued and the amount withdrawn, making the recall attempt unsuccessful. If Citibank had asked me to recall the check at the time it was deposited and hadn't ASKED ME TO JUST RELAX AND WAIT FOR XXXX MONTHS, the check could have been recalled. 

XXXX provided me with statements showing the amount being withdrawn from my HFCU account when I deposited the check into my Citibank account, along with a copy of the check. Clearly, XXXX doesn't have the funds. 

As of now, my money is still tied up with Citibank. Citibank is refusing to act justly. My XXXX is XXXX without the funds to purchase the necessary medication. His situation could have been alleviated if not for Citibank withholding funds meant for a XXXX man. 

I swear to XXXX, if my father dies because of this, Citibank will not be let off easily. 

I'm asking them XXXX last time to refund my money. I'm not asking for a handout ; it's my hard-earned money. This is very unjust and I might be contacting an Attorney soon. 

I had no idea our banking system could be so corrupt and heartless. 

Attached are the statements XXXX provided showing the withdrawal, the check, and a business card from the bank XXXX at XXXX.