Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/scrub>XXXX XXXX XXXX XXXXo : Citibank , N.A . ATTN : Legal and Compli
ance Department Office of the President XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEMAND FOR COMPENSATION - INTENT TO SUE FOR NEGLIGENCE CAUSED BY CITI BANK WHICH CAUSED ME SEVERE EMOTIONAL DISTRESS THAT MANIFESTED XXXX INTO A XXXX XXXX ON XX/XX/year>. 

Intent to sue for GROSS NEGLIGENCE, EMOTIONAL HARM, FINANCIAL MALPRACTICE AND FOR BEING MISLED AND LIED TO ABOUT MY FUNDS. 

To Whom It May Concern, This letter serves as my demand for immediate compensation for Citibanks gross financial negligence, emotional harm, and breach of fiduciary duty, which directly led to a severe medical emergency, AT JUST XXXX XXXX XXXX I WAS XXXX  ON XX/XX/year> FOR A XXXX XXXX!! 

Despite multiple letters ( dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> ) demanding a resolution for mishandled transactions, wrongful holds, and deliberate account obstructions, your banks persistent failure to act responsibly inflicted significant stress and financial instability. Untimely I ended up having a XXXX  XXXX XXXX, and was XXXX  for nearly XXXX days and was transported by ambulance from one hospital to another because of how severe my health was. While you did finally release {$8700.00} via check for the fraudulent transactions made on my account, it was such a hassle just to cash the check because YOU PUT MY NAME AS XXXX XXXX XXXX. That partial payment does not begin to compensate for the medical expenses, emotional trauma, lost wages, and the severe impact on my health and family! 


Legal Causes of Action- I am pursuing the following legal claims against Citibank : 1. Breach of Fiduciary Duty Violation under federal banking law, 12 C.F.R. 9.9, and the UCC 4-202.

2. Negligent Infliction of Emotional Distress Reckless actions foreseeably resulting in serious harm.

3. Bank Malpractice & Financial Mismanagement In breach of 12 U.S.C. 1818 and FDIA standards. 4. Violation of the Deceptive Trade Practices Act ( DTPA ) 15 U.S.C. 45, C.R.S. 6-1-105.

5. Negligence and Emotional Recklessness Repeated disregard for prior written demands ; violates Restatement ( Second ) of Torts 46.

Detailed Damages Summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$18000.00} ( I am requesting {$8000.00} since my insurance covered part of the hospital bill ) EMOTIONAL DISTRESS AND SUFFERING WHICH ULTIMATELY LED TO ME HAVING A XXXX XXXX - {$10000.00} for trauma, mental health impact, and physical impact on my health. 

LOST WAGES AND ECONOMIC IMPACT - {$9000.00} for lost income because of health and not being able to pay any of my household bills due to Citi Bank unlawfully holding my money for MONTHS. 

Legal Consultation & Filing {$3500.00} ( pending amount ) PUNITIVE DAMAGES- {$50000.00} for Citi Banks reckless and intentional misconduct. 

TOTAL AMOUNT - {$90000.00} DEMAND FOR IMMEDIATE ACTION You are hereby given 10 business days from receipt of this letter to : 1. Provide a written response accepting full responsibility and offering a fair settlement for these damages.

2. Immediately close my account, cease any new fees or charges, and provide written confirmation that my account has been permanently closed with a {$0.00} balance not a negative balance.

3. Cease any further negative reporting to credit bureaus and rescind any false or harmful information previously reported.

4. Provide copies of all records, internal notes, communications, and decision logs related to my account and my prior complaints.

5. Disclose contact information for your legal counsel so my representation can communicate directly. 

Failure to comply will result in immediate legal action filed in the appropriate XXXX  XXXX XXXX, and I will submit formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Office of the Comptroller of the Currency ( OCC ), Federal Trade Commission ( FTC ), and the XXXX  Attorney Generals Office. 


This letter is sent without prejudice and does not waive any of my rights or remedies under applicable law. 

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