Consumer complaint received 2026-06-02 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> FOURTH FORMAL COMPLAINT - UNAUTHORIZED ACH WITHDRAWAL / EXCESSIVE DELAY IN REFUND / FINANCIAL HARDSHIP ESCALATION From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Phone : XXXX To : Citibank Executive Response Unit XXXX. XXXX XXXX XXXX XXXX, SD XXXX Request for Immediate Executive Intervention Dear Sir or Madam : Please accept this correspondence via electronic transmission. Hard copy to follow by USPS Certified Mail. I ma submitting this FOURTH FORMAL COMPLAINT concerning the unauthorized ACH withdrawal of funds from my XXXX XXXX account and Citibank 's continued failure ot timely return my money despite repeated assurances that a refund would be issued. UNAUTHORIZED ACH WITHDRAWAL Citibank initiated an unauthorized ACH withdrawal of {$500.00} from my XXXX XXXX account despite an existing payment arrangement providing for a scheduled payment of {$850.00} on XX/XX/year>. Following my initial complaint and escalation efforts, Citibank refunded a prior unauthorized withdrawal. However, a second unauthorized ACH withdrawal of {$500.00} subsequently occurred. Since that time, I have repeatedly contacted Citibank seeking resolution and the return of my funds. REPEATED FAILURE TO RETURN FUNDS Despite numerous assurances that the matter was being addressed, Citibank continues to delay returning funds that were removed from my account without authorization. 1 ADDITIONAL FIVE ( 5 ) BUSINESS DAY DELAY Most recently, I was informed that I must wait an additional five ( 5 ) business days before the refund wil be processed and returned. During my most recent communication with XXXX, Customer Representative, I was advised that Citibank requires an additional five ( 5 ) business days before issuing the refund. Given the length of time that has already elapsed since the unauthorized withdrawal was reported, this additional delay is unreasonable and has substantially increased the financial hardship caused by Citibank 's actions. At this point, the mater has extended far beyond areasonable timeframe. Citibank continues ot retain funds that should never have been withdrawn from my account while I ma experiencing severe financial hardship. SEVERE AND ONGOING FINANCIAL HARDSHIP The continued delay has now placed me ni a position where I am unable to timely meet my ordinary and necessary financial obligations, including but not limited to : Rent and housing expenses Utility payments Transportation expenses Food and household necessities Insurance obligations Medical and healthcare expenses Other recurring financial commitments The unauthorized withdrawal itself caused financial hardship. The prolonged delay in returning my funds has significantly worsened that hardship. MULTIPLE PRIOR ESCALATIONS I have acted diligently throughout this process by promptly reporting the unauthorized transaction, cooperating with Citibank representatives, providing requested information, and repeatedly following up regarding the status of the refund. I have contacted numerous Citibank representatives and supervisory personnel concerning this matter, including : XXXX - Customer Representative XXXX XXXX Supervisor XXXX - Manager XXXX - Manager 2 REGULATORY ESCALATION NOTICE fI this matter is not resolved promptly, I intend to pursue additional remedies, including filing or supplementing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Office of the Comptroller of the Currency ( OCC ), the Michigan Department of Attorney General, and any other appropriate regulatory, consumer protection, or legal authorities. RESPONSE DEADLINE Given the repeated complaints, multiple supervisory contacts, and continuing financial hardship, Irespectfully request awritten response from Citibank 's Executive Response Unit within five ( 5 ) business days of receipt of this complaint. Irespectfully request written confirmation that this complaint has been escalated for urgent executive-level review and that immediate action is being taken to return my funds. Thank you for your prompt attention ot this serious matter. Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Michigan XXXX Phone : XXXX Citibank Credit Card Account Ending in XXXX Amount in Dispute : {$500.00} Unauthorized ACH Withdrawal Hardship Compensation Requested : {$5000.00} Cc : Personal Records Ce : XXXX, 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