Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I initially filed a complaint with the CFPB on XXXX XXXX for a Citibank matter that arose on XX/XX/XXXX and for which a complaint was filed with Citibank Executive Response that they failed to resolved.

This is a second complaint filed with the CFPB since I obtained the attached letter dated XX/XX/XXXX from the Citibank XXXX XXXX team which was misleading to me, the OCC and CFPB since the proceeds of 3 of 4 accounts which were forced closed accounts were sent by checks by UPS to an erroneous address which appear to be a deliberate act to cause potential additional harm at the risk of the checks being stolen to ruin to me and my businesses. The proceeds from one of the account in the amount of {$8600.00} was not returned due to a false claim that the account had a XXXX balance which is a lie perpetrated for stealing customer funds. 

Below is abbreviated letter sent in response to Citibank and support documents that show that Citibank deliberately sent the check to the erroneous address to cause harm. I have also attached a bank statement showing that Citibank withdrew over {$8600.00} in the account on XX/XX/XXXX as an adjustment. I will add the full letter once a new case is created. See attached bank statement as proof. 

My goal is to obtain assistance with recovering funds from all XXXX accounts named in their attached response letter including the {$88000.00} from account ending in XXXX falsely claimed with a XXXX balance. I filed a previous claim, however due to XXXX written misrepresentation in their XX/XX/XXXX response letter in which they claim they will not respond with further communication caused me to file this new claim to force Citibank to address this matter fully. 

From : XXXX XXXX Date : XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX To : XXXX Cc : XXXX XXXX XXXX Subject : XXXX : Your Citi Inquiry - XXXX Citi Executive Unit, I am responding to the attached letter sent on XX/XX/XXXX to restate that it is not the case that I wanted this matter resolved in my favor, it is the case that I needed my business funds returned intact without a XXXX  days hold that is illegal in nature. 

You claim that your unit is an elite customer service resolution team, however the mistakes that you have made have proved otherwise and demonstrated a lack of basis competency in customer service resolution and attention to details. As such, the matter that you have claimed is considered resolved per your statement below in quotes is woefully inappropriate and misleading and you will keep responding to my inquiries and regulators inquiries until fully resolved. 

While we understand your desire to have this matter resolved in your favor, with this letter, we consider the issue resolved. We will no longer respond to inquiries regarding this matter.

The matter is not resolved for the following reasons : 1. The 3 envelopes identified with the UPS tracking numbers in your letter narrative in rhe below quotes were not delivered to my business address for the two concerned businesses with address at : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX which is the business address of record with Citibank where all bank statements are mailed and other communications from the bank including the last communication letters from the bank which I have attached as proof.

Our records indicate that for your account ending in 93, a {$400.00} refund check was mailed to you via United Parcel Service ( UPS ) with tracking number XXXX. Our records show the check was delivered on XX/XX/XXXX. For your account ending in XXXX, a {$15000.00} refund check was mailed to you via UPS with tracking number XXXX, which also shows delivered on XX/XX/XXXX. For your account ending in XXXX, a {$460.00} refund check was mailed to you via XXXX with tracking number XXXX. Our records show that the check was delivered on XX/XX/XXXX. For your account ending in XXXX, our records indicate that no funds are owed to you. 

Instead, the XXXX envelopes were delivered to XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NY XXXX which is a home address that I have not occupied in over 2 years which brings me question why are official bank checks mailed to a home address that I have not occupied in over 2 years and was never used as my business address since none of the businesses are home based businesses. 

Additionally, my current home address of record with the bank is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX and not XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I have attached the 3 UPS proof of delivery for each tracking number to show where the envelopes with checks were delivered.

The branch manager is copied here so that he can see the level of mediocrity and carelessness with handling this situation by your unit. Anyone who looks at the business account records will see that the business address and mailing address for both businesses is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. By mailing the checks to an erroneous address which is not the business address nor an address that I requested put the funds at risk since I have no control of unsavory individuals who may open the envelopes and steal the checks. I learned about this grave error when I received your attached response letter dated XX/XX/XXXX and called my office center XXXX to ask about whether they received the XXXX XXXX envelopes and confirmed non receipt. I then called UPS to confirm where the envelopes were delivered and UPS confirmed the erroneous delivery address and sent me the attached proof of deliver.

I asked UPS to reroute delivery to either home or business address and they refused by explaining that only the sender can reroute delivery. In that case, I asked them to return the envelopes to the sender, Citibank since I have no access to the address where I lived over XXXX  years ago as the envelopes may be at risk of theft by unsavory individuals. The 3 envelopes are scheduled to be picked up by UPS at the erroneous address if they are not stolen by unsavory individuals.

To that end, it remains your responsibility to work with UPS to either reroute the envelopes for delivery to the business address of record for both businesses at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, or wait for the return of the XXXX envelopes and re-ship them via UPD to the correct business address. 

XXXX. You mentioned in your response letter that the XXXX account belonging to XXXX XXXX  which ends in XXXX has a XXXX balance. This is untrue since this account has had a balance of {$8600.00} since XX/XX/XXXX, the day the account was blocked and I overbred that on XX/XX/XXXX, {$8600.00} was adjusted which caused a {$0.00} balance per attached bank statement. This {$8600.00}. 22 was not authorized by me to be removed nor did I write a check or paid a vendor since I was not allowed or able to complete any transaction after XX/XX/XXXX. 

Thus, Citibank removed the funds from the account on XX/XX/XXXX per attached bank statement and did not mail a check to the business address to account for these funds. This is a catastrophic mistake for not properly appropriate customer funds as these funds were removed from the account 18 days ago. I need to know why {$860000.00} disappeared from the account and not sent to the account holder. This {$8600.00} fund must be released and returned immediately on XX/XX/XXXX via UPS to the business address on file to attend to all outstanding obligations to our vendors that have been delayed for 36 days to date since this account was blocked. 

I will file new complaints to the CFPB, OCC and FDIC to inform that the XX/XX/XXXX letter of resolution for this matter is misleading at best and at worst severely deficient since it gives the appearance that I am now in possession of the business funds. This matter remains unresolved.

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