Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
If you have access to the other claim that Ifiled on here about citi bank. It is not resolved. The two checks that they accepted and closed my account over they have the funds and have not gave them to me. The check was from my boyfriends employer, the check was in his name he legally signed and endorsed them over to me. Citi app accepted them then days later closed my account and locked all of my money up. Days weeks months after going back and fourth and contacting you guys they said they would mail me a check with the balance which included the amount of the two checks that I deposited. Then they mailed me a check in XXXX without the money on it. So basically they cashed these checks and have the money and refuse to send it to me. They said that my name isnt on the check so they can not issue me a check or deposit the funds for the check into my cc account which is through them because it isnt in my name. But it was a legal transaction legally endorsed to me and went into my account. They chose to cash the checks from XXXX XXXX  the maker of the checks bank and now have the money and will not give it to me or to XXXX because he does not have a citi account. I tried to open him a citi account and of course they denied him said they would send a letter. They said I need to ask the maker to recall the funds on the check the maker my boyfriends boss said the XXXX bank branch they went in said they never heard of that the funds were already released to citi they can not stop a payment on the check or " recall '' the funds. That there is nothing they can do. Citi is saying that they will not give me or XXXX the funds they will not release the funds back to pnc they will not mail me a money order or a cashiers check that I need to go into a citi bank branch and try that but there are not citi bank branches anywhere it is literally impossible and they know this. I am so upset I need my money back. I have tried everything I could think of and nothing is working they will not cooperate. They took the funds off of the check and did not give them to me, they just are holding on to them. The maker of the check can not stop payment on the check because the funds cleared. Citi needs to mail me a check for the funds that they have or mail XXXX the name on he check a check for the funds or the maker of the check raupp landscaping through pnc the funds or deposit the funds back into the XXXX account so that the maker of the check my boyfriends employer can issue a new check to him because it is our money and this is so unfair. {$610.00} is a lot of money. Please can you help me get the funds back from citi bank whether they go to me, my credit card account with them as a payment towards my balance, a check mailed to XXXX so he can cash it, or put back into the pnc bank account so that raupp landscaping the maker of the check can reissue a new check to XXXX this has been going on for months and they continue to lie and ignore and make excuses and transfer me for hours on end to a supervisor that i never can get in touch with and sent to this and that dept and told to call this and that number all for them to keep stringing me along. I just want my money back. Please can you help me.

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