Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXXSubject: Unjustified Closure of Citibank Accounts Request for Immediate Review and Reinstatement\n\nComplaintXXXXWe are filing this complaint regarding the unjustified closure of multiple bank accounts held at Citibank, N.A. under the names XXXX XXXX XXXX XXXX XXXXXXXXWe have received official notice from Citibank stating that our accounts will be closed effective XXXX XXXX XXXX, without any clear explanation or valid justification.XXXXPrior to this notice:XXXX- All accounts were in good standing XXXX- There was no suspicious, fraudulent, or unusual activity XXXX- All transactions were legitimate and primarily domestic within the United States XXXX- No compliance concerns were ever communicated to us XXXXThis action appears arbitrary, unsupported, and highly disruptive to our financial operations.XXXXAccording to the official notice, Citibank is closing the accounts following an internal review, but no specific reason or factual basis has been provided, which raises serious concerns regarding fairness, transparency, and compliance with banking standards.XXXXXXXXAccounts affected include (but may not be limited to):XXXX- Checking Account ending in XXXX (Full: XXXX) XXXX- Checking Account ending in XXXX (Full: XXXX) XXXX- Savings Account ending in XXXX (Full: XXXX) XXXX- Savings Account ending in XXXX (Full: XXXX) XXXX(All accounts share routing number: XXXX)XXXXAdditional factsXXXX- We maintain a Citigold relationship, with significant balances and long-term banking history XXXX- As shown in the XXXX XXXX statement, total relationship value exceeded XXXX XXXX- Accounts were actively used and fully compliant with all known banking requirements XXXX- No prior warnings, restrictions, or requests for clarification were issued before the closure notice XXXXWe respectfully request the following:XXXX1. A full and detailed written explanation of the specific reason(s) for closing the accounts XXXX2. Immediate internal review of this decision by a senior compliance officer XXXX3. Reinstatement of all accounts XXXX - OR a clear, legally substantiated justification if reinstatement is denied XXXX4. Written confirmation that:XXXX - No negative reporting has been made to any consumer reporting agencies XXXX - No suspicious activity reports (SAR-related consequences) have impacted our profile XXXX5. Confirmation that:XXXX - All funds will remain accessible XXXX XXXX No holds, freezes, or restrictions will be applied during the closure process XXXXConcern:XXXXThe lack of transparency in this action, combined with the absence of any wrongdoing, suggests a potential misuse of discretionary account closure rights.\n\nThis has caused:XXXX Significant financial disruption XXXX- Reputational concern XXXX- Loss of access to core banking services XXXXContact Information:XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXWe expect a prompt, fair, and transparent resolution of this matter.XXXXFailure to provide a satisfactory explanation will result in escalation to:XXXX- CFPB (Consumer Financial Protection Bureau) XXXX- Office of the Comptroller of the Currency (OCC) XXXX- Legal counsel for further action XXXXSincerely, XXXX 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 non-monetary relief