Consumer complaint received 2026-03-04 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:
* * Subject : * * Formal Complaint Against Citibank for Unjustified Hold on Wire Transfer ( {$87000.00} ) and Complete Lack of Communication * * To : * * Consumer Financial Protection Bureau ( CFPB ) I am filing this complaint against Citibank for holding my legitimate funds for nearly XXXX month without any communication, failing to credit my account, and making it impossible for me to resolve this issue directly with them. -- - * * 1. TRANSACTION DETAILS * * | | | | -- -| -- -| | * * Wire Amount : * * | {$87000.00} USD | | * * Originator Bank : * * | XXXXXXXX XXXX ( XXXX ) | | * * Beneficiary Bank : * * | Citibank ( XXXX ) | | * * Date of Transfer : * * | XX/XX/2026 | | * * Status per XXXXXXXX XXXX XXXX XXXX | Funds arrived at Citibank on the same day ( XX/XX/2026 ) | | * * Current Status : * * | Funds still NOT credited to my account as of today ( XX/XX/2026 ) | -- - * * 2. SOURCE OF FUNDS ( FOR LEGITIMACY VERIFICATION ) * * I am an XXXX seller. All funds transferred are legitimate business income derived from XXXX sales. The money flow is as follows : * * XXXX Sales * * * * XXXXXXXX XXXX ( my account Apply via XXXX ) * * * * Citibank ( my account via wire transfer ) * * I have complete documentation to prove the source of these funds, including XXXX settlement reports and bank statements, and am fully prepared to provide any information requested. -- - * * 3. CHRONOLOGY OF EVENTS * * - * * XX/XX/2026 : * * I initiated a wire transfer of {$87000.00} from my XXXXXXXX XXXX account to my Citibank account. XXXX confirms funds reached Citibank the same day. - * * XXXX XXXX XXXX : * * Funds did not appear in my Citibank account. No communication received from Citibank. - * * XX/XX/2026 ( approx. ) : * * Due to the prolonged delay, I requested XXXX XXXX to initiate a recall of the funds. - * * XX/XX/2026 : * * Through inquiries with XXXXXXXX XXXX, I was informed that the funds are being held by Citibank for " internal review. '' - * * To Date ( XX/XX/2026 ) : * * Citibank has * * never contacted me * * directlyby email, phone, or mailto request any documentation, explain the delay, or inform me of any issue with this transfer. -- - * * 4. KEY PROBLEMS * * * * A. No Communication Whatsoever * * Citibank has held my funds for nearly a month but has made XXXX effort to contact me. I have received no request for documents, no status update, and no explanation. This is completely unacceptable. * * B. No Direct Access to Citibank * * My Citibank account was opened through XXXX ( a payment service provider ). I do not have a direct relationship manager or any means to contact Citibank 's internal review or compliance department. I am essentially locked out from resolving this issue directly with the bank holding my money. * * C. Funds Trapped Indefinitely * * The {$87000.00} has been held for nearly XXXX month with no resolution. This is causing severe disruption to my business operations and cash flow. I can not access my own money, and I have no idea whenor ifit will be released. * * D. No Response to Recall Request * * I have requested XXXXXXXX XXXX to recall the funds, but Citibank has not responded to that request either. -- - * * 5. MY REQUESTS * * I respectfully request that the CFPB investigate this matter and compel Citibank to : 1. * * Contact me immediately * * regarding this transfer. 2. * * Inform me what documents ( if any ) * * are required to complete their internal review. I have all documentation ready, including : - XXXX wire confirmation - XXXX sales reports proving source of funds - XXXXXXXX XXXX statements showing the outgoing transfer - Proof of account ownership 3. * * Provide a clear timeline * * for when the review will be completed and funds will be credited. 4. * * If the funds can not be credited, * * cooperate with XXXXXXXX XXXX XXXX recall request and * * return the full {$87000.00} USD immediately * * to the originating account. -- - * * 6. WHY THIS MATTERS * * A global bank like Citibank can not hold a customer 's funds for nearly a month without any communication and expect this to be acceptable. I have done nothing wrong. My funds are legitimate. I am willing to provide any documentation requiredbut Citibank has * * never asked * *. This is not just a delay ; it is a failure of basic customer service and banking responsibility. -- - * * Supporting Documents Available Upon Request : * * - XXXX wire transfer confirmation - XXXX XXXX statement showing debit of {$87000.00} - XXXX settlement reports ( source of funds proof ) - Proof of Citibank account ownership Thank you for your assistance in resolving this matter. 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 explanation