Consumer complaint received 2022-01-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (AR)

I have had an ongoing issue with Citibank XXXX starting with them not allowing me my funds from a government check, so they closed my account. I complained to the OCC, citibank then said they would send my funds no later than XX/XX/2021, they failed to do so, i filed complaint # 2 to the OCC, they responded that Citibank was unable to contact me and didnt have a mailing adress, even tho the complaint i filed to The OCC included my mailing address, email address, phone number etc, included all the information. The OCC replied stating the said facts quoted by Citibank ; " once i update my address Citibank will release my funds '', since said letter was recieved ive called Citibank over 25 times, getting hung up on 1/3 times, the other 2/3 times, being misguided and led to believe either " the funds have been mailed '', " the funds are protected by a fraud team that is unreachable '' or " they can not give me any further information ''. So i have now Complained a 3rd time to the OCC about Citibank and their Negligence and misleading information, letting them know that i will now be taking matters further, seeing the fact that they are not going to take action towards Citibank breaking contract, and not following regulations whatsoever. I have copies of all the complaints filed, i have the response email from Citibank as follows " XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Regular Checking Account ending in XXXX Citi Reference Number : XXXX, CC : Consumer Financial Protection Bureau Case # XXXX CC : Office of the Comptroller of the Currency Case # XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, You recently reached out to the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency regarding your concern about Citi XXXX and weve reviewed your request. 
First and foremost, we sincerely regret any inconvenience you have experienced. Your comments are invaluable and remind us of the constant efforts we need to make to provide the highest quality of service to our clients. We remain committed to providing service that is efficient, reliable, and professional. 
Our records indicate that your account sent an outgoing wire on XX/XX/2021, which generated a fee of {$25.00} and had an incoming wire on XX/XX/2021 that generated a fee of {$15.00}. We have included a copy of your transactions with this letter. These fees were outline the in Client Manual and Addendum you were provided at account opening, also enclosed. 
Citibank has the right to close any account with activity deemed a risk to the bank. Attached is the closure letter emailed to you on XX/XX/2021. It can take thirty to sixty days to complete the closure of the account. If any funds are owed to you, a check will be mailed to the address on file once the closure is complete. Sixty business days would be XX/XX/2021 and we are not able to expedite it. 
Citi is a not a compensatory bank, and we respectfully decline your request to be awarded {$1000.00} and {$30000.00} for any issues you feel you have encountered. 
Although we must decline your request for immediate access to the funds in your account and compensation for any difficulties you have experienced we appreciate the opportunity to respond to your inquiry. '' i also have all the physical copies of the OCC responses and still nothing is getting handled. I do expect compensation from Citibank, and seeing that my Fiance and I are, any day now, going to have our child and those funds are a necessity IMMEDIATELY, I have to further this complaint against the OCC for not regulating this Institution Citibank N/A. I am just following appropriate steps to get this resolved. So with that being said : This letter is intended for " The NationaXXXX Treasury Department or any U.S. Government Agency Regulating the said Complaint. I rightfully am demanding my funds, compensation from Citibank N/A, and this complaint against the OCC to be delivered. I appreciate your time. Sincerely : XXXX XXXX XXXX