Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear CFPB, I am submitting this supplemental complaint regarding my ongoing dispute with Citibank. Over the past several days, I have carefully reviewed my account transaction records and identified serious irregularities involving : Retroactive ledger modification, Misleading balance display, and Additional service charges during an active dispute. 

These actions raise significant regulatory concerns and require immediate attention. 



XXXX. XX/XX/XXXX Transaction Clear Retroactive Modification On XX/XX/year>, after an XXXX debit of {$4500.00}, my correct available balance was {$76.00}. This amount is clearly shown in the official Citibank statement dated XX/XX/year> ( see Attachment XXXX ). 

However, when I reviewed my account on XX/XX/XXXX, the same XX/XX/XXXX transaction displayed an incorrect balance of {$61.00}. The next day, XX/XX/XXXX, the balance reverted to {$76.00}. 

This sequence proves a retroactive ledger modification the same transaction displayed XXXX different balances on different dates. This is not a mere display delay but a backdated internal change without any customer disclosure. 



XXXX. XX/XX/XXXX Transfer Direct Financial Impact On XX/XX/XXXX, I transferred the remaining funds in my account based on the {$61.00} balance shown at that time. 
Later, this transaction appeared inconsistent with the corrected ledger making it appear as if my transfer was based on a lower balance than the real one. 

This inconsistency directly misled my financial decision and caused an unnecessary overdraft of {$15.00}. 



XXXX. Retroactive Refund Posting XXXX XXXX XXXX Monthly Service Fee Refund entries dated XX/XX/XXXX were later inserted before my transfer transaction in the ledger. 
These refunds were not visible at the time of the transfer. Their backdated placement altered the transaction sequence afterward, creating additional confusion. 

This clearly indicates retroactive posting that changed the account history after the fact. 



XXXX. Additional Fee During Active Dispute On XX/XX/XXXX, Citibank charged another XXXX XXXX monthly service fee while my dispute was already open. 
This raises concerns about internal controls and the banks handling of accounts under regulatory review. 



XXXX. Regulatory Concerns Based on these findings, Citibanks actions appear to violate several key federal consumer protection regulations : Regulation XXXX ( Electronic Fund Transfers Act ) Failure to maintain accurate and transparent transaction records during an active dispute. 
XXXX XXXX ( XXXX in XXXX XXXX ) Failure to provide clear and traceable disclosures regarding fees and balances. 
XXXX ( Unfair, Deceptive, or Abusive Acts or Practices ) Retroactive ledger modifications and misleading balance displays constitute deceptive and unfair practices that harm consumers. 

These issues go beyond an ordinary fee complaint they involve core accounting integrity and consumer trust in transaction history accuracy. 



XXXX. Requested Actions I respectfully request that CFPB : XXXX. Investigate XXXX retroactive modification of my account ledger ; XXXX. Ensure full refund of all service fees, including the {$15.00} charged on XX/XX/XXXX ; XXXX. Require Citibank to provide a complete ledger audit, including timestamp and originator information for all disputed transactions ; XXXX. Require a written explanation of why and how these changes occurred without notice ; XXXX. Take appropriate regulatory or enforcement action if violations are confirmed. 



XXXX. Attachments Attachment XXXX : Screenshots showing the same XX/XX/XXXX transaction with XXXX different balances ( {$61.00} vs. {$76.00} ) displayed on XX/XX/XXXX and XX/XX/year>. 
Attachment XXXX : Screenshots of XX/XX/XXXX transaction sequence and retroactive refund postings, demonstrating altered ledger order. 
Attachment XXXX : XXXX Citibank XXXX ( XX/XX/year> ) confirming the checking account balance of {$76.00} after the XX/XX/XXXX XXXX debit, contradicting the later {$61.00} ledger entry.

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