Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX  XXXX DC XXXX Respondent : Citibank , N.A . ( Citigroup Inc. ) Subject : Complaint re Inadequate Notice and Unfair Communication in Account Termination by Citibank Dear CFPB, I am submitting this complaint regarding Citibank, N.A.s handling of the termination of my banking relationship, specifically the inadequacy of notice and failure to use reasonable communication channels, resulting in an effective denial of any meaningful opportunity to respond. 

Customer background I have been a Citibank customer for approximately 38 years, most recently holding a XXXX relationship. I have no history of misconduct, delinquency, or adverse account activity. 

What occurred Citibank sent a letter notifying me of its intent to terminate my banking relationship effective XX/XX/XXXX. The letter arrived after I had already departed on a two-week international trip beginning XX/XX/XXXX. I did not see the notice until my return on late in the day on XX/XX/XXXX, at which point only XXXX business day remained before my account was scheduled to be closed. 

During this period : No notification was delivered via the Citi Mobile App No email was sent No XXXX  or phone outreach occurred No secure message or alert was posted to my online account The paper letter was the sole method of communication. 

Why this is unreasonable Citibank regularly uses digital channelsmobile app notifications, email, SMS, and secure messagesto communicate with clients. Despite having my active contact details and knowing that customers commonly travel, Citibank relied exclusively on a single physical mailing for an account-terminating action. 

As a result, I was effectively deprived of any realistic opportunity to respond, seek clarification, or arrange an orderly transition. When I contacted my XXXX banker, he stated that he was given no explanation for the termination and had no ability to escalate or intervene. 

This raises concerns about whether Citibanks de-banking process provides customers with a meaningful opportunity to respond, and whether its communication practices meet standards of fair and reasonable treatment. 

Harm caused Sudden loss of access to essential banking services Disruption and stress caused by abrupt termination without explanation Forced emergency account transitions under time pressure Requested review I am not requesting reinstatement of my account. Rather, I ask that the CFPB review : XXXX. Whether Citibanks notice and communication practices in account terminations are reasonable and fair XXXX. Whether reliance on a single paper letter, absent any digital notice, constitutes adequate notice XXXX. Whether this practice is systemic at Citibank and other banks. Sharing my story with friends, I have learned that this practice is not uncommon. 
I am submitting this complaint to ensure appropriate regulatory oversight of these practices. 

I am happy to provide copies of the termination letter and a brief timeline upon request. 
Sincerely,

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