Consumer complaint received 2025-05-20 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:
STRICTLY CONFIDENTIAL COMMUNICATION DEMAND COMPLAINT LETTER XX/XX/XXXX ATTN : CFPB ; XXXX XXXXXXXX, XXXX XXXX XXXX, New York, NY XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXX # XXXX, known as, Respondent et al. 

RE : As a result of XXXX XXXX lawful deposit of {$240.00} on XXXX at XXXX AM into Citibank personal checking account # XXXX at the Respondents branch ATM, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ATM XXXX did not go through, XXXX refused to honor deposit, and proceeded unlawfully, aiding and abetting the commission of theft, conversion, robbery, among other illegal actions at law. 

Today, XXXX, at approximately XXXX AM, XXXX XXXX attempted to deposit two-hundred and XXXX ( {$240.00} ) in cash into personal checking account # XXXX at the Citibank ATM XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX whereby upon depositing said funds, an error message was displayed, the Citibank ATM XXXX XXXX credit said funds, resulting in XXXX XXXX XXXX theft among other illegal acts, as stated herein, aided and abetted by and through its agent, the branch XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, who, at all times relevant, proceeded in bad faith by adamantly refusing to review security camera footage, and failed to take immediate action needed to promptly and adequately redress stolen {$240.00} deposit. In particular, Citibank, by and through its branch XXXX, XXXX XXXX XXXX, misrepresented that Citibank has no responsibility for ATM-related matters, an unconscionable and unlawful response, a false representation, breach of fiduciary duty, conversion, theft, among others, wrongfully causing financial harm and distress. Further, Citibank, by and through its branch XXXX, XXXX XXXX XXXX, in response to Complainants complaint, publicly falsely accused Complainant of having committed a fraud against the bank, whilst in front of all customers and branch agents, defamatory and discriminatory in nature, grounds for immediate termination. 

At all times relevant, as established in the Florida Supreme Court case of XXXX v. XXXX, XXXX So. XXXX XXXX, XXXX ( XXXX XXXX ), XXXX et al. owes a fiduciary duty to Complainant to proceed in good faith in safeguarding its funds, however, XXXX et al.s refusal to investigate the ATM malfunction or review security footage constitutes a breach of fiduciary duty, constitutes a breach of said duty by failing to uphold a duty of care or loyalty, proximately causing damages ; the retention of {$240.00}, even if temporary, without issuance of immediate credit, constitutes conversion, aka the unlawful exercise of dominion over anothers property ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX So. XXXX XXXX, XXXX ( XXXX XXXX ) ) ; violating XXXX theft statute, XXXX XXXX. XXXX ( XXXX ) ( XXXX ), subject to treble damages and attorneys fees as a result of XXXX et al.s intentional deprivation of property ( i.e. the {$240.00} ) ; violation of 15 U.S.C. 1693m ( a ) allotting damages for actual harm and statutory penalties of {$100.00} to {$1000.00} for per unlawful act ; violation of 12 C.F.R. 1005.11 ( c ) ( 2024 ) for failure to initiate mandated prompt investigation of ATM errors ; and violation of XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX ( XXXX ) for having committed deceptive unfair trade practices within the XXXX of Florida, actionable under XXXX XXXX. XXXX for actual damages and attorneys fees. 

XXXX, in order to prevent filing of a lawsuit, among respective complaints with local, state and federal agencies, the {$240.00} shall be deposited and made permanently available in the account no later than XXXX AM EST, XX/XX/XXXX. All rights reserved. 

Time Is Of The Essence. Govern Yourself Accordingly. XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, personally and individually submitted today, XXXX. 
Citibank XXXX Checking Account # XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX P.S. In summary, Citibank, by and through, XXXX XXXX XXXX, together, are thieves who pocketed my {$250.00}, lied through their teeth by falsely stating that the ATM took the money, implying that it is not the banks responsibility, XXXX XXXX XXXX and her cronies should be criminally charged and arrested.

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 monetary relief