Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/25 I opened an account online with Citibank XX/XX/XXXX I received an email confirming my transfer by XXXX of {$700.00} transaction number XXXX ID XX/XX/XXXX I received an email, confirming my mobile check deposit of {$570.00} The total of these deposits is : {$1200.00} On XX/XX/XXXX, I received an email stating that my account would close within 60 days On XX/XX/XXXX, I called Citibank to ask what happened and was told the account was closed. Information would be sent to me and a disbursement check for my balance would be sent to me within XXXX to XXXX  days. 

On XX/XX/XXXX at XXXX XXXX  I received a XXXX  envelope inside I received a check dated XX/XX/25 check number XXXX in the amount of {$420.00} memo states close out disbursement I decided to collect data before I called Citibank to complain On XX/XX/25 I called XXXX to verify that my {$700.00} deposit went through. They said I would have to check with the institution I sent it from which was my usual Bank. 
I went to my bank in town and verified that the {$700.00} disbursement went via XXXX and XXXX confirmed that they did make the payment On. XX/XX/25 at XXXX XXXX  I called to complain to Citibank that I had made a {$700.00} deposit by XXXX and a mobile check deposit in the amount of {$570.00} For a total of {$1200.00} I also complained that I received a check dated XX/XX/25 check number XXXX in the amount of {$420.00} memo states close out disbursement The clothes out disbursement was nowhere near the amount that I had deposited. I shouldve received a check for. {$1200.00}. 
They told me to call back in XXXX hours. 
I called again on XX/XX/25 at XXXX XXXX  I was told they would have to call whomever issued the check to make sure that it was cashed I reiterated that I have an email verified a receipt of the mobile deposit, but she said nonetheless they still had to call the check issuers Due to the lateness of the hour, they were unable to reach the issues of the check so they told me to call back the next day. 
I called back on XX/XX/25 at XXXX XXXX  the line cut short and I called back at XXXX XXXX  And again at XXXX XXXX  I was told that they did verify the {$700.00} deposit transaction by the transaction number and they did verify that the check was deposited via mobile deposit and accepted I said it was imperative that I have this money right away and she told me she would try and reinstate my account On XX/XX/25 by XXXX  envelope. I received a debit card that I could not Activate because it did not accept my pin On XX/XX/25 at XXXX XXXX  I called Citibank again to complain that the automated system did not accept my pin to activate the card. They told me they could activate it through this phone call. 
They said that they activated it and the amount in the account was {$570.00} ironically, this is identical to the amount of the check I did for mobile deposit however, the check I received for {$420.00} they told me that the first time I use my card in any accepted ATM. I can set my pin. 
I further complained that the debit card had no CVV Card Verification Value printed on card so it would be impossible to use to make any purchases Meanwhile, the total disbursement that they have given me is an account with a supposed worth of {$570.00} plus a final disbursement check of {$420.00} Together these XXXX comprise a total of {$990.00} The difference is that Citibank still owes me {$270.00}. 
I am afraid to withdraw my money or to cash the check that they sent me because I dont want them to have any legal recourse to say that I accepted that as complete payment I need Citibank to either deposit {$220.00} in my account in addition to the {$570.00} that is in the account so so that the account totals {$850.00} Alternatively, they can send me another check in the amount of {$220.00} by overnight courier. 
In the event that I can not get a debit card that I can use with a CVV code printed on the card and/or in the event that I have difficulty withdrawing the full amount I will have to contact you again

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