Consumer complaint received 2021-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Bank XXXX Citi XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The account was opened online, Prior to creating an account with CITI, a XXXX year customer of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Oklahoma XXXX and a XXXX  year client of XXXX  XXXX XXXX XXXX  XXXX Colorado XXXX, Ive opened several accounts online and have been able to access the funds ( deposits and withdraws ) as soon as I activate my debit card. I received the debit card and activated the account, and was able to make deposits, then the account was locked. According to the IVR my account is still associated with debit card ending in XXXX. With an understanding for banking rules and regs, ONCE the customer is verified by the IVR from a the secure ftp data base ( which should be updated at least every 12 to 24 hours ) the customer is no longer required to provide the agent with account information ( full bank account number, debit card number etc ) as the agent may not be bonded, working for a 3rd party, over seas ( off shore ) or in a correctional facility. The account number of the screen should read ( xxxx xxxx xxxx XXXX ) because the request was for a checking account with the product of only debit. If the account was a checking account with the products paper/electronic checks and debit the account number would read ( XXXX or the same as the card number ). Every time I call in too citi, the agent request the full debit card numbers, which has the possibility to enable a data breach, misuse of the account and other activities as related to the Rules and Regs resulting from XX/XX/11. If the account is linked to a corporate account or if the person whom can be assumed as traveling, if the account is disabled the person who needs access to their funds could be left without the ability to pay or the company could report inaccurate numbers as this would be a debit in the XXXX report. ( Company XXXX is down XXXX mil due to outstanding debits being XXXX & XXXX Cards, impacting their credit score. Company is issued a XXXX from an XXXX via XXXX XXXX Additionally, the checking account with only the debit product is an interest-bearing account, The opening deport was a total of a sum greater then {$2000.00} USD. According to the Customer Service Agents SPV ( which all questions were answered and I started receiving the One-Time Pass Code ) the account was a balance of {$5700.00} USD as of the close XX/XX/XXXX. And the account was locked via fraud. Upon speaking with the fraud department, i do not receive the One Time Pass Code from the agents and they have been disconnecting the call, although Ive requested to speak with a manager. 

I want you to communicate to the banks officers, I have no problem opening a class action law suite on bases of undue financial hardship, as no reasonable accommodation has been offered, communicated or met.

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