Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
To citiXXXX or any XXXX or XXXX XXXX Long time ago I have opened my account on this bank and after many time and many activities and transactions this bank has been restricted my account with many funds there, so after received the restriction notification I just contact XXXX and go to offices many times and the XXXX never offer any solution because dont have any idea about the ongoing situation, so after that support on the line just said my account will be closed without any reason or more information so after many complaints and long long time waiting for my respective funds issued on the regular check is still not received anything. I have read the agreement terms from me as a customer and the Company/Bank and based on customer and bank terms, and Citibank N. A conditions and agreements this company/bank dont have any arguments for held my funds for this long time without any justification, at this time need informationn about what are happening on this situation and what are the regulations based on your side for held my money and earning interest for the own benefits bank, According to responses received in previous complaints is clearly that responses or attention received is from an XXXX or any XXXX with lack of knowledge or experience in it. The excuse or argument that my funds need to be " recall funds '' from my customer 's bank or other people 's that pay me are clearly out of logical reasons or legal reasons because the normal and legal procedure after closing my account is send the respective refund check to my address on file in around XXXX days but nothing has been issued yet at XXXX months later with my funds cleared, avaliable and disposed to earning interest to the bank benefit. Based on asking to my XXXX and read my signed agreement with this Bank details I WILL NEED TO REQUEST THE FULL RELEASE of my funds and the respective refund check with my available balance, aside of this before go to XXXX I will search your " Suggestion '' to say to my customers if they are interested to help making a recall funds back from your bank and these " suggestions '' from Citibank are lack of logical, XXXX of these customers bank said that transaction are closing to reach XXXX year of the date originated without any fraud alert, impersonation, mistakes or something that alert your bank XXXX department and said Citibank doesn't have any logic to say that because if a return funds is needed they can do it but this is not the case because the customer doesn't have reported any problem with transfers. Based on all of this investigation and after found many evidence on my latest bank statements, asking to customers for recalls funds issuers banks said this is an XXXX requirement from this bank because this transfers are made many months ago and not surged any alerts of fraud, reversing or impersonation on your XXXX departments and said that Citibank are interfering my release from your side and every letter and excuses said from this Citibank is looks like this bank provide a service without comply the Federal regulations and your own agreements with customers, aside of this is obviously that XXXX or " XXXX '' taking care of this complaints and cases with this type of arbitrary actions/decisions definitely has XXXX knowledge of what to do and what can't be done with this situations. As a result of evidence on your responses and all of my research, statements and XXXX XXXX I will not obligated to do your " suggestion '' because the bank are in the obligation of release my check and if is applicable the respective interest, XXXXmonths with my money fully cleared on your bank is a long time! So if need to make an legal procedure or something please let me know, I will come to a news local channel for XXXX and publish this history for able to obtain our attention, I just want cooperation on your side for solve this and I hope for that!

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