Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) Submitted by : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX Institution Complained Against : Citibank , N.A . 
Branch Involved : Midway Crossings Branch, XXXX XXXX  Account Type : Checking / XXXX Services Nature of the Complaint : I am filing this complaint against Citibank due to the mishandling of my checking account, the unjustified internal fraud designation placed on it, coercion into account closure, and the false narrative Citibank continues to assert about the circumstances of that closure. This matter also includes the ongoing and unauthorized restriction of my phone number in Citibanks internal XXXX system. 

Summary of Key Issues : Citibank falsely claims that they closed my account. In reality, I was forced to sign a closure request in order to access my own funds after they flagged my account for fraud. 

The fraud designation was triggered by a teller ( XXXX XXXX ) while I was withdrawing rent money. I had already successfully withdrawn {$1000.00} via money order before the account was flagged. 

After coercion, I signed a closure form under duress and was given my remaining balance of {$1600.00}. I have attached Citibanks own closure confirmation, which clearly states that I requested the closure.

The branch manager questioned me about my XXXX transactions and informed me I was under investigationthis contradicts Citibank 's current portrayal of the event as a standard closure. 

My phone number has since been blacklisted from XXXX, and Ive been unable to open new accounts at other institutions. XXXX has confirmed the block is internal to Citibank. 

All phone calls with Citibank and their internal staff were conducted over recorded lines, during which my identity was verified and the details of the situation were confirmed. 

Requested Resolution : Immediate removal of all internal XXXX blocks linked to my phone number. 

Full deletion of any internal fraud flags, labels, or annotations in Citibanks systems.

A written statement confirming I am in good standing with Citibank.

A correction to internal records acknowledging the account was closed at my request.

Full disclosure of the fraud investigation : who initiated it, when, why, and under what policy.

Official acknowledgement of the two withdrawals totaling my account balance : {$1000.00} withdrawn prior to the fraud flag {$1600.00} withdrawn after I was coerced to sign the closure form Attached Documents : Citibank Account Closure Request Confirmation Letters sent to Citibank dated XX/XX/XXXX and XX/XX/XXXX XXXX support response confirming block is internal to Citibank Timeline of Events : Prior to XX/XX/XXXX : Account in good standing ; no issues reported. 

XX/XX/XXXX Morning : XXXX {$1000.00} in money order from my Citibank account at XXXX XXXX branch. 

XX/XX/XXXX Shortly after : While attempting further withdrawals, teller XXXX XXXX flagged my account for fraud. 

XX/XX/XXXX Later that day : Branch manager told me I was under internal investigation and could not access remaining funds.

Same day : I was informed that I could only retrieve my money if I agreed to close my account. Under emotional duress, I signed the closure form.

Same day ( post-signature ) : I was issued the remaining balance of {$1600.00}. 

Following days : I discovered my phone number was blocked from XXXX at all banks. 

Subsequent months : Citibank issued conflicting statements, falsely claiming they initiated the closure, and failed to address the XXXX block. 

Certification : I certify that the information provided is accurate to the best of my knowledge and request a full and transparent resolution of this matter. 

Sincerely, XXXX XXXX

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