Consumer complaint received 2025-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/year>, I opened a Citibank checking account in good faith. I have used the account responsibly for over six months. On the morning of XX/XX/year>, I discovered that my access to the account had been suddenly terminated without noticethis, despite logging in just hours before and confirming that my XX/XX/year> direct deposit ( nearly {$2000.00} ) from my employer had successfully posted. 

Citibank has since closed my account without warning or explanation and is now refusing to release MY money. I was told I would have to wait 30 to 60 business days to receive a generic letter in the mail explaining the reason for closure. Repeated calls and in-person visits to branches have been met with conflicting and evasive responses. One representative confirmed that no fraud was found, but still refused to provide a reason for the closure, stating only that Citibank can no longer service me as a customera vague and dismissive excuse. 

I spent over 3 hours away from work attempting to resolve this in person, only to be turned away again. Representatives acknowledged that an online process was started but could not explain what that means or why my funds were frozen. My direct deposit is being held hostage, and I am now left without access to money I earned, in the middle of my workweek, during a time of critical financial responsibility. 

This is outrageous, unethical, and possibly unlawful. Citibank has : Withheld my direct deposit without any court order, fraud investigation, or legal justification ; Closed my account without prior written notice in violation of fair banking standards; Failed to provide any explanation, even verbally, for the closure; Misled me repeatedly with conflicting information by phone and in person; Denied me access to MY funds for 30 to 60 daysan unacceptable and abusive timeframe. 

This has now become a financial emergency. I have bills to pay and a family to support. Citibank has unilaterally deprived me of my income, jeopardizing my stability and well-being. I demand the immediate release of my full direct deposit and any remaining balance, as well as a full written explanation of this account closure. 

If I do not receive a resolution within 7 business days, I will escalate this matter further and pursue all available legal remedies, including : Filing complaints with the Office of the Comptroller of the Currency ( OCC ), Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Nevada Attorney Generals Office ; Pursuing small claims court action for damages related to emotional distress, time missed from work, and financial disruption ; Exploring class action litigation if this is part of a wider pattern of abuse by Citibank. 

This entire situation is unacceptable, disgraceful, and deserving of the highest level of scrutiny and accountability.

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