Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear CFPB Complaint Division, I am filing this formal complaint against Citibank due to their repeated unlawful banking practices that have now caused me significant financial distress, potential eviction, job insecurity, and health deterioration. 

Summary of Issues : Returned Checks After Clearing Fraudulent Reversals Citibank returned multiple checks after they had already cleared my account, despite my balance never going negative. 
This includes a {$4500.00} check and a {$460.00} check that were returned without justification. 
An earlier check was cleared, deposited, and then reversed weeks later, causing financial harm. 
Unlawful Account Freezes & Denied Transactions Citibank locked my account and blocked transactions when I attempted to purchase a U.S. Postal Service money ordera government-issued transaction requiring ID verification and a clear purpose for funds.

They have repeatedly denied transactions, including purchases made with my PIN, preventing me from accessing my own money.

They blocked me from using my funds at the Post Office, despite having full verification and compliance with federal requirements. 
XXXX XXXX XXXX XXXX XXXX I have already responded to Citibanks requests, yet they keep delaying resolution in 15-day intervals.

This has been ongoing for months, and now they are demanding yet another 15-day delay, despite previously stating they would resolve the issue.

Severe Financial & Personal Harm Caused Missed Payments & Housing Instability Due to Citibanks actions, I have now missed multiple payments, which puts me at risk of eviction filings from my landlord.

Even if funds are restored, my landlord may still proceed with legal action, jeopardizing my housing stability.

Impact on My Employment & Health- I have just returned to work after nearly XXXX in XXXX and XXXX due to severe health conditions. 

This financial instability is causing me extreme stress, impacting my job performance, and directly affecting my health.

Citibanks actions are endangering my ability to remain employed, which could have catastrophic effects on my financial and medical situation.

Demand for Immediate Action- I am demanding the CFPB intervene immediately and hold Citibank accountable for the financial, legal, and personal harm they have caused me. Specifically, I request : Full restoration of all wrongfully reversed funds and compensation for damages caused.

A formal investigation into Citibanks repeated, unjustified account restrictions and returned checks.

A requirement that Citibank ceases its obstructionist tactics and responds within 24 hours rather than using endless 15-day delay tactics.

Regulatory penalties for Citibanks misconduct, particularly in blocking a government-verified USPS money order purchase.

Legal action against Citibank for breach of contract, negligence, and financial harm.

This has gone far beyond an administrative error. Citibanks repeated actions have placed my housing, job, and health at risk, and I will not allow them to continue unchecked. I request an urgent response and resolution from the CFPB immediately. 

Sincerely, 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