Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.

Complaint narrative:
Greetings, I am writing in response to Citibanks letter on XXXX of XXXX. I wish to address several matters that remain unresolved. 1. Check Receipt Confirmed I confirm that I have received the {$820.00} refund check ( XXXX tracking # XXXX ) shortly after submitting my CFPB complaint. I am proceeding with cashing this check through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). However, I want to be explicitly clear : cashing this check does not constitute acceptance of this amount as full and final settlement of my account balance. I reserve all rights to dispute the remaining balance. 2. Balance Discrepancy : Formal Dispute At the time of my account closure, my balance was approximately {$2200.00}. The refund check issued is for {$820.00} an unexplained difference of approximately {$1300.00}. No itemized breakdown or explanation has been provided for this discrepancy. I formally request that Citibank provide a complete account statement covering the 6 months prior to account closure and the also the amounts that were deducted and their breakdowns since account closure, delivered directly through this CFPB case. I do not have access to the Citi mobile app or online portal since my account was closed, so a link to those platforms is not an acceptable form of delivery. 3. Fraud Disputes : Status and Resolution Prior to account closure, I opened several fraud dispute inquiries regarding transactions with small amounts, I did not recognize. I have not received any formal resolution for these disputes. I request that Citibank provide, through this CFPB case : A complete list of all dispute cases I opened, including dates and transaction amounts The resolution status of each dispute For any dispute resolved against me : the specific rationale and supporting documentation For any dispute resolved against me : whether I retain the right to re-dispute, and how to do so without requiring access to the app or online portal I understand that some dispute outcomes may partially explain the balance discrepancy. However, I can not evaluate or accept any deductions without a full itemized record. 4. Documented Financial Losses As a direct result of this account closure and the way it has been handled, I have incurred the following out-of-pocket costs : Approximately $ XXXX in international call charges over 4 months attempting to resolve this matter with Citibank from XXXX, the amount is alot because of the inefficiency of the customer service of citi bank that no one knows the solution of my problem, that i have to sped XXXX minutes at least to get a response XXXX XXXX check cashing fee ( 0.3 % of check amount, minimum {$5.00} ) Approximately {$50.00} in postage and shipping fees related to the check process Approximately {$100.00} in XXXX XXXX compliance and processing fees Citibanks own foreign check processing fees ( amount not yet confirmed ) In addition, approximately {$2200.00} of my funds have been withheld for over 4 months, resulting in a real financial burden and loss of time value of money that I have not been compensated for. I request that Citibank acknowledge these costs and address them as part of the resolution of this case. 5. XXXX XXXX XXXX Verification Urgent Request XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) will be contacting Citibank directly for routine compliance verification in order to process the check. They will provide my passport, account number, and a scanned copy of the check. I request that Citibank respond to this inquiry as promptly as possible, as any delay directly prevents me from accessing my own funds. I want to be clear that this verification request is entirely separate from the balance disputes raised above. I ask that Citibank not delay the bank verification process pending resolution of the broader dispute. 6. Summary of Requests To summarize, I am formally requesting the following from Citibank : 1. Provide a complete 6-month account statement prior to closure, delivered through this CFPB case, not via an app or portal link 2. Provide an itemized explanation of all deductions leading to a {$820.00} refund versus an approximate {$2200.00} balance 3. List all fraud dispute cases I opened, with dates, amounts, and outcomes 4. For disputes resolved against me : provide rationale, documentation, and re-dispute instructions that do not require app or portal access 5. Respond promptly to XXXX XXXX verification inquiry so I can cash my check without further delay 6. Acknowledge and address the documented financial losses exceeding {$350.00}, plus the time value of funds withheld for over 4 months I expect written responses to each of these points through the CFPB case channel. Thank you so much. I know my response is a little bit what citi was not waiting for but you know how disappointing and frustrating my position is and how Citi although they are my favorite bank, my made me feel helpless. Thank you

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