Consumer complaint received 2026-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XX/XX/year> SIXTH FORMAL COMPLAINT - UNAUTHORIZED ACH WITHDRAWAL / CONTINUED FAILURE TO RETURN FUNDS/ CREDIT LIMIT REDUCTION / OVER- LIMIT STATUS / ESCALATING FINANCIAL HARDSHIP / CREDIT IMPACT / CONSEQUENTIAL DAMAGES XX/XX/year> From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Phone : XXXX Email : XXXX To : Citibank Executive Response Unit XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX RE : Citibank Credit Card Account Ending in XXXX - Sixth Formal Complaint Regarding Unauthorized ACH Withdrawal, Continued Delay in Refund, Credit Limit Reduction, Over-Limit Status, Financial Hardship, Credit Impact, Consequential Damages, and Request for Executive Intervention Dear Sir or Madam : Please accept this correspondence as my SIXTH FORMAL COMPLAINT regarding Citibank 's unauthorized ACH withdrawal of {$500.00} from my XXXX XXXX account and Citibank 's continuing failure to timely return funds that were removed without my authorization. This matter remains unresolved despite six formal complaints, numerous customer service contacts, supervisory escalations, executive-level complaints, and complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ). The fact that I have now been forced to submit a Sixth Formal Complaint concerning the same unauthorized transaction demonstrates the seriousness of this mater and Citibank 's continued failure to provide a timely and adequate resolution. 1 SEVERE FINANCIAL HARDSHIP CAUSED BY THE UNAUTHORIZED WITHDRAWAL The unauthorized ACH withdrawal directly removed funds that I relied upon to satisfy ordinary living expenses and existing financial obligations. Had Citibank not withdrawn the disputed {$500.00} from my XXXX account, those funds would have remained available to pay bills and obligations that became due during the period in which Citibank retained my money. Instead, the unauthorized withdrawal deprived me of funds that had already been specifically allocated and budgeted for the payment of existing obligations and ordinary living expenses. The funds withdrawn by Citibank were not excess funds, discretionary funds, or money that could easily be replaced. Rather, those funds were intended to satisfy ongoing financial obligations that I was required to pay during the applicable billing cycle. By removing those funds without authorization, Citibank deprived me of the ability to use my own money for its intended purpose. As a direct result of Citibank 's unauthorized withdrawal and continuing refusal ot promptly restore my funds, I have been unable to timely satisfy multiple financial obligations. Consequently, I am now being penalized for nonpayment of bills that otherwise would have been paid had Citibank not improperly removed and retained my funds. Because the disputed funds were unavailable, I was forced to postpone or defer payment of obligations that otherwise would have been satisfied when due. The resulting financial consequences have continued to accumulate while Citibank retains funds that should never have been withdrawn from my account. These damages include, but are not limited to : Late payment charges ; Additional interest assessments ; Penalty fees ; Increased borrowing costs ; Collection-related consequences ; Potential adverse credit reporting ; Additional financial obligations resulting from missed or delayed payments ; Increased financial stress and hardship ; Credit-related damages ; and Other consequential financial losses. The unauthorized withdrawal created a cascading chain of financial harm. Funds that should have remained available to satisfy my obligations were instead removed from my account and retained by Citibank while the dispute remained unresolved. As a direct and foreseeable consequence of Citibank 's actions, I have incurred and continue to incur financial damages far exceeding the amount of the original disputed transaction. 3 Immediate return of the unauthorized {$500.00} ACH withdrawal ; Immediate correction of any adverse account actions related to this dispute ; Restoration of any adverse credit impacts caused by Citibank 's actions ; Removal of any adverse credit reporting associated with the unauthorized withdrawal or resulting over-limit status ; Restoration of any credit limit reduction attributable to this matter where appropriate ; Reimbursement of al late fees, penalties, increased interest charges, collection-related expenses, over-limit consequences, and consequential damages resulting from Citibank 's actions ; Reimbursement of al damages resulting from the reduction of my available credit limit and resulting over-limit status ; Written confirmation of Citibank 's final resolution and corrective actions ; and Hardship compensation in the amount of {$10000.00} due to the substantial financial disruption, monetary losses, penalties incurred, increased debt burden, credit-related consequences, diminished creditworthiness, over-limit status, stress, inconvenience, regulatory escalation, and continuing harm caused by Citibank 's unauthorized withdrawal and prolonged failure ot restore my funds. CONCLUSION What began as a disputed {$500.00} unauthorized ACH withdrawal has now evolved into substantial and continuing financial damages far exceeding the amount of the original transaction. The unauthorized removal of funds from my bank account prevented me from paying other financial obligations when due. Citibank then compounded that hardship by reducing my available credit limit while retaining the disputed funds, causing my account to exceed its available credit limit and exposing me to additional financial and credit-related consequences. The unauthorized withdrawal, prolonged delay in returning my funds, delinquency of other obligations, accumulation of fees and interest, reduction of my available credit limit, resulting over-limit status, and continuing financial hardship are al interconnected consequences arising from Citibank 's handling of this matter. I respectfully request immediate executive intervention, immediate return of the unauthorized funds, restoration of any adverse account conditions, correction of any credit-related 7 consequences, reimbursement of al consequential damages, and written confirmation that this matter is being resolved without further delay. Respectfully submitted XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Phone : XXXX Email : 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