Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.

Complaint narrative:
after the death of my mother I was informed of an inherited IRA due to me from Citi Bank. after several conversations and emails with the agents of Citibank I got the funds into an account format that enabled me to withdraw the funds. On XX/XX/XXXX I completed my first attempt to receive these funds by filling out a form sent to me by a Citibank agent and was told 'all looks good, the check will be printed and send this week '. After almost 2 months the check didn't arrive so I contacted the bank again. after XXXX on hold I got to speak with another agent on XXXX XXXX XXXX. I was told " Citibank can not send a check out of the country '' as I am living in XXXX I requested a bank transfer. I was sent the same form again but was told to ask for a transfer instead of a check. I filled out the form as instructed with all relevant fields and was told " all looks good ''. I waited but nothing came into my bank from them. I phoned them again and was told " it should be coming thru I'll check for you ''. after another XXXX XXXX  on hold I reached another agent who said " you must acquire a XXXX roughing number for the form. I tried but was told by my bank here in XXXX that this number does not exist and that this AB routing number they where referring to is used within the U.S. for domestic transfers, not international transfers- all that would be required is an IBAN and a SWIFT numbers. I phoned citi again and told them this and the agent looked it up and said " put this number in the bank roughing field. I did that and all the other sections where filled in with him and was told " that should be fine to complete the transfer. Nothing came. On XXXX of XX/XX/XXXX I phoned again and asked to speak to a manager. I finally was put in touch with XXXX XXXX who began to assist me with the transfer. he said he could get a check sent to me and sent me the same form to fill in again. we filled out the forms again and on XXXX XXXX I was told " all looks good on our end ''. a few days later I called him to check the status and was told that the check had been printed and sent to me here in XXXX. Over a month later and no Check came. on XX/XX/XXXX I contacted him again and said the check had not arrived. he said he would cancel the check and we could try the transfer of funds route. I filled out the form again with him and he said the check had taken the 'withhold 10 % federal tax - so fill in 'do n't withhold federal tax '' on the new form. all was filled out and I was told again " all looks good, this should get to you ''. XXXX rang me here in XXXX a few days later and said he wasn't't sure if the federal tax had been withheld or not and could he use the page saying withhold 10 % federal tax if he needed to. I said he could if the tax had been put back into my acct. as he said it may have been and we initiated the transfer on the XXXX of XX/XX/XXXX. - I still haven't receiver any of the funds into my acct here in XXXX. but yesterday I received a letter from Citibank stating the amount of the transfer that I was sent via the wire transfer and a date that I would get the funds by XX/XX/XXXX ( but I have still not received it ). I also received yesterday in a separate letter containing the check that XXXX had sent in XXXX but is now cancelled. the check amount is over {$1000.00} more than I was told I would receive in the wire transfer. I believe citi has withheld 10 % federal tax twice. I tried to contact XXXX but received an automated email stating he is out of the office. I don't know what to do anymore. I have filled out the form over 5times and still have not received my money. I don't know if they ever intend on giving it to me and now I believe citi is withholding tax greater than I have instructed from my amount. any assistance you can provide in helping me obtain my full account value from Citibank would be greatly appreciated.

Company response to consumer: Closed with explanation