Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This complaint is an extension of the former complaint regarding Citibank. Citibanks response to that complaint was completely unsatisfactory. The bank in its response dodged the main part of the complaint and pretended that a resolution was already in place. That was false. To recap, my Citibank MasterCard balance in XXXX was paid twice. Two transfers of {$14000.00} were made on consecutive days, XX/XX/XXXX, and XX/XX/year>. I made a manual transfer on XX/XX/XXXX and an ACH transferred the same amount to the same MasterCard, which at that time had only a {$59.00} balance for the current period, on the next day. In order to make that second transfer, which resulted in an extremely large surplus on the credit card, the system wiped out my checking account and took {$8300.00} from an overdraft account, whose limit is {$10000.00}. Very early on XX/XX/XXXX, I saw the error. I called the bank multiple times, first getting Call Centers in the XXXX ( 3 times ) and in XXXX ( 3 times ), then reaching the Executive Response Unit and speaking with people from both Citibanks Executive Response Units ( Banking and Credit card ) multiple times.. I wrote XXXX XXXX XXXX at least 4 times. All of this communication was to inform Citibank that it was an error and I needed the money refunded to my checking account and overdraft as soon as possible. The Citibank attitude was DENY ( that it was their fault ) and DELAY ( claiming the matter needed a review, an investigation and that it was a lot of money so the bank had to be careful. That last is pure irony. ). It took them 25 days to return the money to my checking account and I promptly paid off the overdraft principal but not the interest. By the time, I made my first complaint to the FDIC and maybe my 10th to Citibank, the money had already been returned but Citibank was refusing to remove the overdraft interest, claiming that second transfer was not a bank error. That is debatable but what is not is that I told Citibank almost immediately to return my funds. Their own cumbersome policies blocked my every path to initiating a reversal. I could not do it. So, it is not as if I sat back and did nothing. They had to do it and they refused to do so in spite of a validated customer telling them to. That {$8300.00} was not used by me. It put a surplus on the Credit Card which I had to stop using since it would then function as a debit card. They loaned that money to themselves, not to me. This is the redress I want. Citibank must remove the overdraft charges accrued because of their own recalcitrance and bad logic AND I want a written apology. The bank has refused in writing multiple times to do so. There is NO solution without them accepting responsibility for this illogical fiasco. The fact that they returned the money is NOT a solution. the fact that they kept if for 25 days and charged me while they kept it is the problem. The only solution is for them to remove the overdraft fees they caused. As of this time, they have not done so and instead they have insisted that they will not do so.

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 monetary relief