Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear CFPB : My name is XXXX XXXX ( Mailing Address : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ). I can be reached at XXXX ( XXXX ) XXXX or XXXX. 
I am filing a formal complaint against Citibank XXXX. ( XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX ) for unjustly suspending my checking account without valid cause. Despite multiple attempts to resolve this issue through XXXX XXXX XXXX XXXX ( Citi XXXX Ref. # XXXX ), I have not received a satisfactory resolution. 

On XX/XX/XXXX, Citibank informed me that my account had been frozen due to " questionable transactions ''. The Citi representative mentioned a few examples of such transactions over the phone, which I have thoroughly explained to Citi : XXXX. A ~ {$50000.00} wire transfer from my father, XXXX XXXX, in XX/XX/XXXX These funds were intended for my XXXX XXXX  tuition, wedding expenses, and my mothers trip to the U.S. from XX/XX/XXXX to XX/XX/XXXX to attend my wedding. As a student, I rely on my family for significant expenses such as tuition and wedding costs. Attached, please find : o My notarized birth certificate ( confirming XXXX XXXX as my father ) o Proof of my fathers {$50000.00} remittance to me, stamped and issued by XXXX XXXX Bank XXXX XXXX XXXX tuition bills o My marriage license ( married on XX/XX/XXXX ) o My credit card statements reflecting wedding- and travel-related expenses XXXX. XXXX transactions throughout XX/XX/XXXX Citi claimed that I made frequent XXXX transactions that inquired about Citibank balances in XX/XX/XXXX. However, the majority of these XXXX transactions were payments to my husband, XXXX XXXX, for XXXX purchases made using his credit card. Attached, please find : o My XXXX history in XX/XX/XXXX ( The majority of non-James individuals appearing on my XXXX XXXX record are my XXXX classmates, with whom I split expenses for dining out, travel, and hotels. Im happy to provide any details and signed affidavits from these individuals for these transactions if needed. ) o Corresponding XXXX purchase records, confirming that I purchased items on the same dates and at the same prices using XXXX credit card o Our marriage license as proof of XXXX and my relationship Despite my explanations, Citibank has frozen my account without providing a clear explanation. This wrongful action has left me unable to access my own funds, jeopardizing my ability to pay rent, tuition, and continue my studies at XXXX lifelong dream and the reason I've been working/studying so diligently. I have trusted Citi with my life savings and my parents hard-earned money for the past 9 years and have always abided by the rules. The account they unjustifiably froze is my entire life savings. 

Given Citibanks failure to provide specific reasons or conduct a fair review, it constitutes a violation of my rights as a consumer. I respectfully request the CFPBs assistance in urging Citibank to immediately lift the freeze or grant me access to my funds. I am happy to provide any further evidence upon request, as I have done nothing wrong and am simply a victim in this matter. 

I appreciate your prompt attention to this issue. 
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 explanation