Consumer complaint received 2026-06-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ATTN : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Closed account transfer instructions Account # : XXXX Ladies and Gentlemen, 1. Please find enclosed your letter XX/XX/XXXX, with the signature of me ( the owner of above account ) and wife and co-signer, verified by a Notary. 2. As you now have the verification of the identities of XXXX XXXX XXXX in XXXX by your own trusted representatives and again, now, by a Notary- I request the money you withheld from me for almost two years, be transferred to my XXXX bank account as follows : Wire transfer to my XXXX account : Name ( account holder ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name of Bank : XXXX XXXX XXXX XXXX History of events : a. On XX/XX/XXXX I received a letter from Citibank ( dated XX/XX/XXXX ) asking for personal information ( we found we need to confirm that some of your information is up to date. ) b. I checked all my information online and provided additional information, such as my occupation, the same day. c. The same day, I spoke to a representative of Citibank and confirmed my information via phone call. d. On XX/XX/XXXX I paid a bill online ( XXXX XXXX XXXX ). e. On XX/XX/XXXX I downloaded my statement. f. On XX/XX/XXXX I received a letter via mail ( dated XX/XX/XXXX ), stating that I needed to contact Citibank within 60 days, to prevent the account to be closed. g. On XX/XX/XXXX I spoke to a representative of Citibank. The representative stated that information was required by Citibank on the second signer, XXXX ( my wife ). This has not been stated/asked previously! I was asked to provide a copy of her passport. I did provide the copy that same day, via XXXX. I was told, the account would now be re-opened within days. h. On XX/XX/XXXX I checked with my online account. The checking account was still closed. i. I found and downloaded a letter ( dated XX/XX/XXXX ), stating, that my account is now closed. Only 2 days after the letter asking for info within 60 days. Seems strange to act within 2 days only, instead of waiting the stated 60 days. j. I spoke to a representative of Citibank. He found out that Citibank had all the info needed and my account was in process to be re-opened. k. He asked me to wait a bit longer and provided a reference # XXXX. l. On XX/XX/XXXX I checked the status online. The account is still closed. I called Citibank and after several inquiries, I was told, the account can not be reopened. m. However, the representative was not able to initiate the mailing of the check to my address linked to the account, as it is an international address and the form he had to use did not allow him to enter an international address. So he suggested to send a mail to Citibank providing a US address. n. I did provide the address of a close friend living in the US, however, there was still no success in receiving the money. o. After several additional attempts which all failed, I now signed the only letter I have from Citibank ( which does not seem to address the real issue ) in front of a Notary and mailed it to Citibank. p. I really hope, this at last will solve the problem and I will finally receive the money that has been withheld illegally for almost two years. Citibank had all the information necessary to do so, as stated several times by Citibank representatives. q. I am a XXXX XXXX who legally opened the account on an assignment in the US. 4. It is sad that my business with Citibank ends in such a way, giving me the impression, Citibank does not want me to continue being a customer. However, the course of events also indicates, that Citibank might not be a reliable business partner, after all ; not being able to communicate properly, not following their own statements. Citibank did not answer, did not transfer the money and closed my access to the account.

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