Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint:
Good morning, In reference to my previous complaint regarding my regular Checking Account ending in XXXX and Citi Reference Number : XXXX dated XXXX XXXX, XXXX 

Upon reading the letter in its entirety, Citi Bank XXXX response team again provided false and inaccurate information. The letter stated : Upon review of your inquiry, we pulled XXXX call interactions and there was not a statement addressing The XXXX XXXX XXXX XXXX XXXX ( XXXX ) certificate. Our decision has not changed, and the letter dated XXXX XXXX, XXXX is attached for you to review This is a false statement as phone calls were made XXXX different times after the XX/XX/XXXX letter from Citi Bank of XXXX Those phone calls were made intentionally to get clarity on the letter sent and specific questions regarding applying for an XXXX license by the sender would result in a quick release of funds. Those phone calls log was recorded and documented and will be presented if needed by the XXXX party investigation into this matter. 

Further, the sender XXXX XXXX requested copies of the investigation on multiple occasions during a telephone conversation with the Citi XXXX supervisor as stated in the letter : The wire transfer is currently being held due to requirements outlined by XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX  ). Information provided in the wire instructions has prompted a hold on the transaction. You may visit XXXX  for summaries on specific country sanctions and guidelines You are entitled by law to obtain copies of the information used in our investigation. We sincerely apologize for any inconvenience this may have caused. No copies of any investigation were provided by the Citi Bank XXXX department till-to-date. That also proves that telephonic conversation was either not properly listened to as mentioned or those issues were intentionally ignored. 

Citi wire department informed the sender of the wire again on multiple occasions that the wire is held by the Citi Bank XXXX XXXX department due to XXXX on the senders name. The sender cross-references his name against all XXXX sanctions lists and no resemblance of the name was found. Sender, XXXX XXXX, applied for an XXXX license on the XXXX website on XX/XX/XXXX oXXXX XXXX and mysteriously money in the amount of {$XXXX} became available on the morning of XX/XX/XXXX with pending status which was confirmed on XX/XX/XXXX. 
Citi wire repeatedly provided inaccurate, false, and misleading information starting from XX/XX/XXXX of XXXX  till XX/XX/XXXX of XXXX The Citi wire held the funds claimed to due to currency exchange conversion even when the wire was held by compliance and canceled. 

Citi wire department informed the sender on XX/XX/XXXX of XXXX that the wire amount has left and will be available in the recipient account in the next two days during a phone conversation. 
On XX/XX/XXXX of XXXX Citi Banks wire department informed the sender, that the wire required additional information, and a secure message is sent to the senders online portal secure message account. No proof of any message in the senders online portal account was found till-to-date. 
Additional information was promptly provided but the wire was not processed till XX/XX/XXXX oXXXX XXXX 

In multiple phone calls ( all made by the sender & consumer ) from the beginning, the sender was misinformed, misdirected, and mislead intentionally by the Citi wire to conceal the evidence of wrongdoing. Again, the sender was discouraged on several occasions not to apply for an XXXX license as it will cause more delay in the process. As stated earlier, applying for an XXXX license triggered the release of funds immediately by the Citi XXXX XXXX department which was held either due to discriminatory reasons due to the senders name and origin or intentional mistake and lack of oversight by the Citi officials. 

I have never seen or heard of an organization or a bank committing their mistakes and providing relief to someone who has XXXX  financially and emotionally due to a lack of professionalism, discriminatory attitude, and biased towards certain people of XXXX, holding funds without providing any justification and reasons, providing proofs of their unbiased and impartial investigations, not concealing evidence. This is just a money-XXXX  attempt by a bank to XXXX  consumer confidence in our system. 

There is more than enough evidence presented in this letter to prove it was done intentionally and efforts are underway not to provide any proof of their investigation for XXXX clear clarity. I reopen this inquiry again by sending the matter to the concerned authorities and expect full financial relief immediately as outlined in my previous complaint. 

Please also note that wire was held by Citi on multiple occasions by Citi compliance in the past since I opened an account with Citi Bank. This is just not coincidental.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation