Consumer complaint received 2022-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXX CA XXXX  started taking funds from my Citi Bank checking account unauthorized onXX/XX/XXXXuntil I made a complaint to my bank on XX/XX/XXXXadvising the transactions were fraudulent. Those charges are as follows:  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
totaling XXXX  The only warning I got on fraudulent activity was onXX/XX/XXXXafter the larger charge of XXXX  which prompted me to discover that Citti Bank had allowed fraud the whole month from XXXX on my account. 
I called the fraud department and advised them of every charge and every amount as well as the day it occurred. 
Citi bank started a dispute for the XXXX  charges on XX/XX/XXXXon my request .I received letters dated XX/XX/XXXX that Citi Bank was disputing the charges and that funds would be placed back in my account.
Citi Bank started putting funds back in my account as follows:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  totaling: XXXX
this amount returned to me by Citi bank is XXXX off from the XXXX that was actually taken by XXXX  Then XXXX  started returning funds to my account due to the dispute from Citi Bank starting; XXXX  returned the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX totalingXXXX 
The amount that XXXX  put back in my account is only XXXX  over what they originally took in fraudulent funds. I am satisfied with what XXXX  returned to the account.
Then Cit Bank seeing that XXXX  had returned my funds as requested started deducting from my account the funds they had placed originally in my account to cover the lost funds from fraud however they originally only refunded me XXXX;
The amounts Citi Bank took are as follows: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
four of these transactions reflect four similar transactions they had returned to my account on the same day as the refund for the fraud the extra XXXX is a mystery to me 
. Then Citi bank started withdrawing again as follows: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  totaling: XXXX   
Citi Bank on XXXX XXXX took out five transactions refunding themselves XXXX then on XXXX XXXX XXXX XXXX XXXX  they took out 16 transactions to refund themselves totaling XXXX equally between the XXXX  transactions and the XXXX  transactions XXXX that Citi Bank refunded themselves for the original fraud refund: however as stated above Citi bank only refund XXXX Citi Bank has over refunded themselves XXXX causing my checking account to be overdrawn. By my calculation, I should be positive in my account by XXXX
I called Citi Bank today, XXXX XXXX XXXX, to discuss this issue and to have them correct the problem; the first representative I could not understand but he continued repeating that due to XXXX refunding me; Citi bank was entitled to reimburse their original refund for the fraud. I advised him the numbers were not correct and he continued to repeat the same thing over and over. 
I asked to speak to a supervisor and after getting the supervisor I tried to explain again that the account should not be overdrawn and that Citi Bank took too much money from my account. The supervisor was of no help and wanted to go through each transaction one at a time excluding the banks' actions in XXXX; he refused to look at the whole picture.

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