Consumer complaint received 2021-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX, natural person, and I am submitting this complaint myself and there is no third party involved. 

Citibank is a deposit-taking financial institution and I, XXXX XXXX XXXX XXXX private banker, consumer customer to Citibank N.A . was denied the right to make EFT of a 12 CFR 204.2 ( a ) ( 1 ) ( iv ) due bill check as deposit being a transferable instruments. The due bill or redeemable coupon pursuant to 18 USC 8 as eligible obligations equitable security per 31 USC 9303 ( c ) and presented as credit device to obtain credit via remittance transfers credit account drawn from XXXX  XXXX XXXX and XXXX Bank to be transferred to my federal reserve deposit insurance transaction account at Citibank N.A at four different Branches. 

First branch at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, on XX/XX/2021, I approached teller and request to make a deposit and was told told that Citibank can only take 12 CFR 204.2 ( a ) ( 1 ) ( iii ) checks, I advised that the instruments was a convenience check and that MICR routing and account number could be put in manually. She asked a coworker who examined my draft and said it was not a check despite the payment order, which appeared to be an 15 U.S.C. 1 illegal restraint and 15 U.S. Code 1611 willful neglect of duty in providing what appeared as inaccurate information. Requested to speak to a manager and an banker appeared name XXXX XXXX XXXX XXXX ID XXXX, looked at the the due bill deposit and examined it and declined to facilitate the transfer stating that only checks are accepted despite the wide array of federal regulations definition to deposit. I left and called customer service for advice on how to make a deposit of a due bill to take collection and was advised to speak to a manager. I went to Citibank NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and spoke with Branch Manager XXXX XXXX who was confused and insisted he consult his FDIC bank representative and alleged he could take copy and ask his superior. Received message from XXXX alleged instrument was not a negotiable item. 
XX/XX/2021 I visited the Branch at XXXX XXXX XXXX XXXX, XXXX, FL XXXX and approached a Teller who said she was new and advise I consult Branch Manager XXXX XXXX who unsure and advised I e-mail the federal regulations and and he would forward it to find out, have not heard back as of yet. Later that day I visited a branch at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and another confused look of a Teller who left to ask her branch manager XXXX XXXX XXXX XXXX and returned stating that her manager said they could not be accept it as a deposit but would not state a defect in the instrument. Manager didn't come out to discuss the matter in his expertise of banking so I took a card and left and send a personal e-mail and have not received a response. 
The branches appeared to be acting in bad faith in violation of several laws in misrepresenting my tender of 12 CFR 204.2 ( a ) ( 1 ) ( iv ) due bill deposit for collection. This is very upsetting that that I could not get any clarification and proper use of my account at Citibank branches as I expect bank managers to be competent in educating consumers about deposits transactions. 
I attached a few images of transactions of a successful deposit of due bill at XXXX Bank by a friend similar to the deposit I attempted that was discriminated. 
Why are the requirements for a due bill deposit, draft, bill of exchange for my transaction account?

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