Consumer complaint received 2025-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
IRS sent me a check for {$33000.00} I deposited the signed check into my checking Account at Citi banks ATM machine located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was never aware that I could not put so much into a ATM machine. The only reason why I went to the ATM machine is because I got to the bank at XXXX XXXX  minutes after closing time and was told by a man teller to deposit the money in the ATM machine he was not aware of the amount of money that I was depositing into the ATM machine. He never asked me which I did, I signed the back of that check and deposited it into my checking account. The machine gave me back my debit card no receipt & showed me my balance and then the entire machine reset it itself and never gave me a receipt so I visited the bank the next day and explained what happened from there I was reported to the fraud department the lady that is in charge of the fraud department told the clerk to tell me. My account will be frozen for 10 days for suspicion of fraud. she basically asked me where did I get the check and I explained and she asked me. Why was it so much? I said I dont know you have to call IRS its from my taxes two years worth I explained to the clerk that IRS sent me this check. It is my income tax check. I do my taxes every 2 years so thats why it was so much she went on to explaining to the clerk that she know its fraud and that I would have to wait until they do their investigation. This investigation has lasted well past 60 days. They sent me a letter in the mail explaining to me that they were going to close my account and release any funds that were due to me within 60 days. This happened XX/XX/XXXX. It is now XX/XX/XXXX they sent me a letter in my mailbox explaining the money I had in my account is now gone they left me with XXXX XXXX. I cant even access that so I reported this to IRS & explained to me they are going to reach out to the bank that they can either return back my funds to me in a form of a cashiers check or they can return it back to IRS itself where it came from. They are putting a trace on the money. I called Citibank today, XX/XX/XXXX and they told me my money has been sub ledge to Citi bank and that the funds was not mine and I will not be receiving it back. They are keeping it so this is why I communicated with IRS and they are helping me out to get back my funds now I need help because people need to not give up and fight for their money back I worked hard for my XXXX  and I deserve my money back. Citibank has done this to multiple people in the past I XXXX. I have multiple statements and copies of my transcript from irs.gov of how much money they sent me for my income tax check. I showed all of these things to Citibank and they still denied me my funds. They said it was fraud. They have not once communicated with IRS to see if this was true they just assumed. Again I have multiple documents from IRS communicating with me beforehand about my funds because I owe IRS {$900.00} and they sent me my change and Citibank kept my money. I have all my documents on down to my tax paperwork if you need to see it.

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