Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX Citibank froze my account after doing a review earlier in the day and making me verify every transaction I made that day. Later in the evening my account was frozen for yet another review and I no longer had any access to my funds. On XXXX XXXX I finally spoke with a supervisor who informed me that my deposit was in question. After throughly explaining that my funds are from winning the lottery back in XXXX, and that I receive funds every year at the same time for the past several years XXXX  their institution and it is a simple check to see that these are true statements. I was then informed that they decided to close my account anyway due to suspected fraud. I requested XXXX  appeal with the current information I had just shared again since the day prior during the last review. When I called back on the XXXX of XX/XX/XXXX it was explained to me that they decided to go ahead with the closure and it would take anywhere from XXXX to XXXX  days to fully close my account and send me any funds owed to me. On the XXXX day I reached back out to the bank with the sending financial institution to see when to expect my funds only to be informed that they did not owe me any funds. Unless the sender would submit a hold harmless form which the sender does not process. I was informed that they will not be returning the funds to the sender nor releasing them back to my care. I then requested at least my bank statements from XXXX though XXXX when the closure started to only be informed they would not be providing that information to me either. Although I was under the impression that they had to make those available to me for XXXX  years. I offered several time for them to contact the sender to verify the funds were legally placed in my account. I offered to provide proof that the funds were legal, as well insisting that they review my account and see that deposits are made into the account every year at the same time of year. None of those efforts were even reviewed or asked for. They never asked me for verification nor from the sender. The only solution I was given was the hold harmless form that the sender and myself informed them that they don't supply. The only resolution I was given was none except they are going to keep all of my funds with a total close to XXXX. They only allowed a wire transfer to go out and everything else was returned. Including checks that I had already sent out to creditors and they all bounced causing me to pay penalties that I don't believe I should be liable for. As well the impact on my credit from the fall out of having to use more credit then usually and payments being late and credit cards getting closed. On top of all the checks that were sent back with additional cost. I have tried to do things the correct way but I'm getting nowhere except taken for a lot of money that I have to pay.

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