Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
b'Now I open an account with XXXX XXXX XXXX XXXX XXXX XXXX  . its like my whole life went to XXXX  after I opened it and I only did because someone recommended me . at the time I was looking for a house trying to get ready to buy someone told yall was good with mortgages ! And I need a account where I could put both my self-employment and my employer money in so my account would have been right and valid when I would be ready to buy which was next summer sometime . {After all this  I think imma wait a while} but back to what happened ! I work and also a XXXX XXXX XXXX As in. XXXX XXXX XXXX XXXX XXXX XXXX ! I have a leXXXX XXXX XXXX and every I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ! So o bit one of my stores direct deposit on in that citi accounXXXX XXXX XXXX XXXX XXXX XXXX thinking it was all going to work out contracted one of your mortgage loan people and all ! Never got to do the meeting btw cuz time I got my deposit from XXXX XXXX  I tried to use my debit card locked couldnt do a thing ! I didnt even know what was to come after that just I still had deposits coming in and wasnt able to access my money for about a month the 1st time give or take !  In the meantime XXXX XXXX XXXX XXXX XXXXl we all are hungry. And the bank telling me Im doing fraud bout my own money after me explaining over and over again that its my business name making the deposit form XXXX  the kept telling me it was another person when my business name is XXXX XXXX XXXX XXXX XXXX It was horrible I. The reps were very nasty rude and XXXX  at times especially in the beginning ! Cuz this went on so long I ran into so nice sweet but bad ones out ways the good. But call I called and i called .always asking for supervisors of them were rude also then finally one day while me and the kids went to a party for there friend it was sleepover really but anyway I couldnt assess money we were looking broke and dumb at the party no gift couldnt do all the entertainment. I called the bank  got a great crew that day all three of was amazing the 1st supervisor could do so I ask him if it was somebody there with a little  more perhaps his supervisor and he didnt get upset or anything . He went and got someone and that gott that phone and went to work we was on the phone nearlXXXX XXXX XXXX  hours I my XXXX  partnering manger the guy form took every note to XXXX XXXX XXXX XXXX XXXX  name number he read my account numbers to him he confirmed everything! I mean its like he asked that guy what size shoe he took down every note . I was otp as well the hold time ! When we were finally done guess what he got my account open so Im thanking God happy and all . And Im saying all this to say that man took major notes I thought everything was so I going along a couple days things seem fine until I got my check from my employer ! I mobile deposited it thinking everything was going to be fine and mines you this my very 1st check from XXXX XXXX XXXX XXXX XXXX XXXX was celebrate with the kids cuer those pass couple of weeks things were bad we lost power we lost food I lost my car I became depressed and lost my job ! But any way when I called the bank of course no helped me but all I kept asking them to found that guy I didnt remember his but I did no he took hella notes no one could found him nor pull up the call that day when can pull all the bull they had been telling went on and on for weeks so once again we aint got no money nor assess to it again that was my 1st check I worked hard just to be in the same plece I was losing things got really bad it lasted so long I just only see the money in my account but couldnt even feed my kids or myself with my hard earned money and XXXX XXXX XXXX XXXX XXXX XXXX  I guess it was beyond every one but that guy I no he was a XXXX XXXX XXXXr what that day but when kept telling it was making think Im crazy but knew I wasnt ! Any back to the bank ok so Im calling Istill get XXXX  deposit and my check is still in there they alloweXXXX XXXX XXXX take money out but I couldnt thats how I no they had cashed my check! But trying to wrap it up sorry it had been I while I got someone to listen she was actually pose to call me back the next day but that same I received a email stating that my accounts were about to be closed and I got to waXXXX XXXX XXXX XXXXys for them to refund me my check. I waited XXXX  days I called in asking where my check you what they told me oh you got to call the issuer which my job chart house filled out the paperwork for the stop check waited a few days talks to them today they ph the check was cashed witch I already knew cuz when I was able to my I no I had thXXXX XXXX  money missing so long story shot there telling all kinds of thing sometimes I get you have no money cuz of fraud and then I get go  a branch with the l party ! Which I hadnt heard that in a long time lol I got a feeling  and flashback of when this 1st began . They were saying that while time I am the XXXX XXXX XXXX XXXX XXXX XXXX XXXX But all I wanted to do was let someone listen to me . I need my money the holiday tomorrow rent was due on the 1st lights do Monday ! It like dam I cant catch a break I depending on that lil money once hoping we could enjoy our weekend but now it looks like we want be doing anything I just knew they had cashed that check thats why I stayed up on the issues we so would know if we would have some money for the 4tj but we dont and yall bank  telling me everything but where my funds are Im drained for me asking god why me but he makes sure he provide and  the kids understand thanks for the time I needed to writ e this out I filled with the XXXX  today twice i filed with somewhere to cant remember ! But Im not going to let them take my money its been long enough I have suffered to point were it has broken my mental again and I had being doing great sense XXXX  but this I had to let my kids go with family cuz at one moment I was losing it .'

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