Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear cfpb group, This letter is a continuation of my prior complaint, XXXX. XXXX. That complaint remains unresolved, and todays interaction has only confirmed the deliberate tactics being used to delay, divert, and wear down persistence. I am documenting the events in detail so there is no room for misinterpretation or evasion. Chronology of Events : 1. Original Complaint ( Ref. No. XXXX ) On XX/XX/XXXX, the verification letter was processed. This date was confirmed by your representative. I have been waiting for its arrival, and as of XX/XX/XXXX, XXXX ( working ) days have passed without delivery.of a Verification letter.. I made clear that I was willing to wait one more day, but I wanted to know what would happen if the letter did not arrive by then. 2. Todays Interaction ( XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) During the call, the representative incorrectly stated that I had asked for a second letter to be sent. This was false. I corrected her immediately, reminding her that the call was being recorded. I emphasized that I had not requested a second letter. She then claimed that since you said you did not receive the letter, another has already been sent, and that it would take 710 days. This was a scripted response, not an accurate reflection of what I said. 2. I clarified : I did not ask for another letter. I am waiting for the first letter, which was processed on XX/XX/XXXX. I stated that today was the XXXX day without receipt, and I wanted escalation if it did not arrive tomorrow. The representative appeared to forget the date of processing and conflated not received with requesting another letter. This is a clear example of diversionary tactics. 3. Escalation Request I explicitly asked that the matter be escalated and recorded. I made it clear that accuracy was essential, and that the false statement about a second letter must be corrected in the record. Analysis of Tactics : The representative followed a script, relying on bullet-point answers rather than engaging with the facts. The false assertion of a second letter was an attempt to shift responsibility and buy time. The reliance on vague 710 days timelines is designed to prolong the process and wear down persistence. The system is structured to hold customers hostage, effectively placing them in a position of ransom while funds are withheld. Demand : I demand immediate resolution. The verification letter processed on XX/XX/XXXX must be acknowledged as the operative document. No further delays or diversions are acceptable. My funds must be released without obstruction, as there is no fraud involved. Every day of delay causes harm to my health and business, and I will seek compensation and restitution for this harm. The longer this continues, the greater the damages I will claim. This letter is both a continuation of my prior complaint ( Ref. No. [ insert number ] ) and a new complaint arising from todays documented interaction. The facts are clear, the chronology is established, and the tactics are transparent. I expect immediate action and a substantive response. Sincerely, XXXX XXXX

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 non-monetary relief