Consumer complaint received 2019-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
Approximately from XXXX-XXXX I visited the Citibank branch XXXX XXXX. XXXX XXXX XXXX , NV XXXX on XX/XX/XXXX. 

Ms.  XXXX, A temporary manager asked me confidential questions about the history of my net worth. The questions were evasive and I just informed her that I worked hard but she became demanding and then I informed her that it was confidential because I realized that she did not show me documents that required the information she was requesting according to any Citibank Policies and Procedures or the Patriot Act or even the IRS. Her questions were personal and I found them uncomfortable after I answered once and she demanded a different answer. I believe this may have set her off her pattern of disturbing ways of behavior and inability to answer questions. 

I was informed by a temporary Branch Manager XXXX XXXX NMLS ID : XXXX that she refuses to open a business account for my company because my driver 's license did not match the company address. I explained to her that my driver 's license would never match the or a corporate address. I had never hear this in my life as a former XXXX  19 years ago and a former XXXX XXXX of the Federal Reserve. I attempted to ask her to clarify for me why I could not use a physical United States mailing address that I have established to receive personal mail if I need to because I am a XXXX. She began to repeat back to me what, " I did not state, '' but that she has worked at Citibank for 18 years ; Which was irrelevant. She began to respond in a sloppy and aggressive manner and repeat the mentioning of the Patriot act as though I was not American and then she voided the Patriot act and stated Citibank 's policies and procedures super-cede the Patriot act and, " now, '' that is why she can not open the account. 

She began to recite this over and over but she was not competent to answer my questions as though being a XXXX was illegal. I informed me that being a XXXX is not illegal and I still do not have proper clarity for her reasons. XXXX XXXX became aggressive and shouted roughly and sternly that I was becoming combative, yet I had not raised my voice, my tone was clear and distinctive and firm. She was getting ready to state that she was going to call the police and I stopped her in astounishment by telling her I was a Millionaire and I understand policies and procedures. She began to bit her lip and walked two feet towards me with stern burning eyes in an attempt to intimidate me, yet she could not answer my questions. I asked her how are people and associates I have met who have 20 plus million   and live as XXXX able to have accounts at Citibank and use their mailing address. She still could not answer my question, clearly. She walked another foot closer to me as though she had an anger problem, yet she was trying to remain professional. I could see that this lady had power control issues. She was attempting to dominate not the account opening but, me. I stopped talking and asked for her card. She then looked shocked. I tried to talk to the banker whose card was left on the desk after the manager walked away ; However she rudely threw her hand up at me, it appeared in defense of her manager. It was very disrespectful. I took the card and departed. 
" XXXX XXXX violated the Fair Lending Act of 1974. '' Ms. XXXX is a XXXX woman and so am I but I am certain if I were a woman of different ethnicity that the account would have been opened with no problem and the thought of unnecessarily calling the police on me would never cross her mind. She did completely state she was going to call the police I could see it rolling off of her tongue in my attempt to redirect her behavior and the purpose for my visit I did attempt to only receive clarity according to all of these policies she kept mentioning and could not explain. This does not sound like a Branch Manager of 18 years I am assuming that she just became a branch manager and came from another part of Citibank. 
I immediately went right across the street to XXXX XXXX and opened a temporary account as they stated that a business address was sufficient after simply calling a particular department about me being a 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 explanation