Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I had a newly opened checking account. On XX/XX/XXXX I had received a wire transfer into this account and attempted get access to the money as I was out of town, XXXX XXXX XXXX XXXX  and no gas to get home. Every method available to get money, from instant transfer to another card, or even XXXX XXXX money to myself was denied by bank, they repeatedly locked my account for " fraud '' despite having been on the phone with them pretty much all day long XXXX to after XXXX trying to find a solution as my medical situation was becoming emergent. They never allowed access and I slept in my car and which caused significant XXXX  of my health and had to go to XXXX as a result a few days later. I ended up opening a bank account elsewhere and wrote a check off the Citibank account to deposit in the new since I no longer wanted to do business with them. Today, XX/XX/XXXX I was informed my check was returned by Citibank, which was {$9.00} and a fee was charged to me as a result. I called Citibank, account still has a balance of XXXX it despite returning the check. Representative stated " fraud '' again. Same thing as the last time that I couldn't get them to stop putting on my account. Now the agent, XXXX, said he would get the fraud dept. Only to leave me on hold for 15 minutes and then come back and tell me I actually need a separate fraud dept, not this one except they are closed at night. I asked for supervisor and I'm back on hold for a few more minutes and XXXX comes back and said supervisor is refusing to accept call, and when asked they refused to give their name also. At this point I'm livid as this is the 2nd time my money is kept from me with no actual valid reason. Finally he gets me to a different supervisor, who tells me basically deal with it until I can spend few more hours on the phone tomorrow when it's convenient for them, once again despite no real reason for fraud alert to begin with and have already done this prior with extensive damages to myself as a result. This supervisor didn't share her name, and would not let me speak, continued talking directly over me as I was speaking so I did finally say " XXXX XXXX XXXX XXXX  '' which, amazingly she heard that without issue, dispute the fact that the whole 2 minutes before she couldn't hear I was speaking at all apparently. She states she doesn't appreciate cussing, and I replied " I don't appreciate you denying me access to my own money then leaving me overnight as you have done twice '' during that statement she continued to speak the entire time I was speaking and not allowing me a word. So now here is the 2nd time I go an entire night with no cooperation or access to MY money. I own it, its not a credit card. I asked them to close the account last time and apparently instead of closing it, they just further locked 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 explanation