Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Reference Number : XXXX In regards to the refference number above there has been dozens of communcations through this cfpb website to communicate with citibank, out side of here, no one resonds, calls or are the people who are to help every available. This is why the past year I have used this complaint system, otherwise, they have played games and caused undo stress just to communicate. 

as you can see. I have been asking for the same thing each time. 

again. 
1st of all it took over a year and 1/2 to get the funds returned to the benificuary of the account that citibank ignored. Citibank tried to convince the adminstrator of the estate and the 100 % benificuary on the account. Citibank did tell the benificuary that she was the benificuary on the account. She had been making contact and calls with citibank since XX/XX/XXXX after her father died. She was not informed unitl the end of XX/XX/XXXX. 
At that point she had spoke to Citibank at least a dozen times and she was never told. 
I am not sure of the exact timing, but I have read that it states a benificuary must be notified withing 60 days of someone passing that they are benificuary. I called the bank dozens of times between the approximate days of 168 from the day of the passing on XX/XX/XXXX until XXXX XXXX. That is way beyond the 60 days. Why was I never told I was the benificuary. you held onto my fathers CD and checking account for over 5 months. That is not legal. 

Did someone come into the bank pretending to be me?? 
If this happened I need to KNOW NOW!! 

I was my father 's only benifiucary on his accounts, Why did Citibank keep this information from me for over 5 months? 

At the time I found out, I had to spend money to fly from Oregon to CA, and stay in hotels, to be at Citibank in person because they were so rude. I had to wait until I got my Administrator of Estate papers before they told me I was beneficuary. 

That doesnt make any sense. 

The bank account had 100 % benificuary to me. The administrator of estate papers had nothing to do with the bank. 

They tool my papers when I got to the bank and told me they need to take it to their legal departmenet to verify that they are real documents. I had to wait 20+ minutes. 
I still had no idea I was the benificuary yet. they came back out and rudely just said. You are the full benificuary do you want a check now and close the accounts. 
I was still confused. I need to know what was there and how much. and to see a final statement took a fight. But this was when I saw that someone worte a XXXX check and forged my fathers name dated the day my dad passed. 

they the bank argued withme and tried to tell me my dad must have wrote it before he died. He was in XXXX unconsous for nearly 2 weeks, during heavy covid time ( XX/XX/XXXX ), no visitors etc.,. I literally had to argue this situation with two of citbank workers. they were rude and insensitive and I was crying and completly blown away to what I had to deal with there. It was horrible. 

so again. 
answer these questions. 
1. Did someone come in there pretending to be me, the benificuary???

2. What went down at this bank regarding my fathers accounts with other people, the people who forged the checks??? 
3. Why did XXXX  XXXX XXXX put in writing that by law they have to report what my brothers did there to the athourities, but Citibank keeps going back and forth for months and months ( years now ) doing absolutly nothing, and telling me that I have to hire a lawyer? WHy?? 
4. Does XXXX XXXX XXXX have different laws they have to follow as a bank the Citibank does not have to follow? 
5. When I called XXXX  XXXX XXXX they instantly told me that I was a benificuary and they sent me all paperwork to sign and notorize and itwas all taken care off quickly after my father passed. 
6. citibank , played games, lied, didnt return calls, causes so so much stress ... .. and made me have administrator of estate papers in person at the bank before they told me i was the full benificuary?? WHY?? 
7. AND NOW AFTER ALL THI STIME STILL, NEARLY XXXX STOLEN FROM MY FATHER, XXXX YEAR OLD MAN IN XXXX, CITIBANK WON'T FILE CHARGES OR REPORT THIS TO THE AUTHORITY? 

8. AND AT THAT>.. WHY WON'T CITIBANK PROVIDE ME THE BENIFICUARY, ME THE ADMINSTRATOR OF MY FATHER 'S ESTATE THE PROPER PAPERS TO EVEN SHOW AUTHORITIES. 

9. AND WHEN THEY HAVE SAID THEY DONT SEE THAT i AM THE ADMINSTRATOR OF THE ESTATE ANYMORE.. WELL 1. YES I AM. 2. THIS ALL STARTED IN XXXX OR XXXX. AND NO ONE REMAINS ADMINSTRATOR OF AN ESTATE FOR EVER.. THEY HAVE UNTIL CASE IS ALL OVER. BUT EVERYTHING NEEDED AND ASKED FOR MY CITBANK WAS ASKED FOR IN A TIMLEY MANER AND SEVERAL SEVERAL TIMES. THEY WERE EVEN SUBPENIAED FOR DOCMENTS IN XXXX. 

10. IT IS UNKIND, UNFAIR AND RUDE TO MY FATHER WHO WAS A CUSTOMER SINCE XXXX. HE PUT A BENIFICUARY DOWN TO AVOID PROBLEMS AND HAVE IT SET FOR HOW HE CHOISE IT TO BE. CITIBANK DISRESPECTED HIS RIGHTS AS WELL AS DISRESECTED AND WON'T HONOR OR DO THE RIGHT THING NOW. THIS NEEDS TO BE REPORTED TO THE AUTHORITIES. 

THIS IS NOT SOMETHING THAT THE BENIFICUARY NEEDS TO GO HIRE ANOTHER LAWYER FOR AND SPEND MONEY. THIS IS CITIBANKS FAULT

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