Consumer complaint received 2026-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
FIFTH FORMAL COMPLAINT - UNAUTHORIZED ACH WITHDRAWAL / CONTINUED DELAY IN REFUND / REGULATORY ESCALATION / SEVERE FINANCIAL HARDSHIP XX/XX/year> From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX To : Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Citibank Credit Card Account Ending ni XXXX - Fifth Formal Complaint Regarding Unauthorized ACH Withdrawal, Continued Delay ni Refund, Credit Limit Reduction, Regulatory Escalation, Credit Impact, and Severe Financial Hardship Dear Sir or Madam : Please accept this correspondence via electronic transmission. Hard copy to follow by USPS Certified Mail. I am submitting this FIFTH FORMAL COMPLAINT concerming Citibank 's unauthorized ACH withdrawal of {$500.00} from my XXXX XXXX account and Citibank 's continued failure ot timely return funds that were removed without authorization. This matter remains unresolved despite five formal complaints, numerous customer service contacts, supervisory escalations, executive-level complaints, and regulatory involvement. The fact that I am now compelled to submit a fifth formal complaint regarding the same unauthorized transaction demonstrates the seriousness of this matter and Citibank 's continuing failure to provide an adequate and timely resolution. As previously documented, Citibank initiated an unauthorized ACH withdrawal of {$500.00} from my XXXX XXXX account despite an existing payment arrangement providing for a scheduled payment of {$850.00} on XX/XX/year>. Since that time, Citibank has repeatedly extended the timeline for returning my funds. I was initially advised that I would need ot wait an additional five ( 5 ) business days before receiving my refund. Most recently, Iwas informed that Imust now wait an additional fourteen ( 14 ) days before receiving the return of funds that were removed from my account without authorization. 1 I further note that during the pendency of this dispute, Citibank reduced my available credit limit while the unauthorized ACH withdrawal remained unresolved. As a direct result of this reduction, my account balance exceeded my available credit limit, creating additional financial hardship and exposing me to further adverse consequences. The reduction of my available credit during an active dispute has increased my debt burden, limited my ability to manage ordinary financial obligations, and contributed to additional expenses and financial instability. The resulting over-limit status has the potential to adversely affect my credit profile, increase borrowing costs, trigger additional fees or penalties, increase interest obligations, and further impair my ability ot meet current financial obligations. I respectfully contend that any damages, fees, penalties, adverse credit consequences, increased interest charges, or other financial harm resulting from the reduction of my credit limit during the pendency of this dispute should be fuly considered as part of Citibank 's review of this mater and included ni any reimbursement, corrective action, or hardship compensation provided. Because Citibank has failed to timely return the disputed funds, other financial obligations have become delinquent. This has exposed me to additional late fees, penalties, increased interest charges, potential negative credit reporting, collection activity, service interruptions, and other consequential damages. The ongoing delay has created unnecessary financial instability, prevented me from timely satisfying my financial obligations, increased my debt burden, caused other accounts to become delinquent, and continues to cause avoidable damages. The prolonged delay has resulted in significant financial disruption and has further compounded the hardship created by the original unauthorized ACH transaction. REGULATORY ESCALATION I have now submitted five formal complaints concerning this matter. I have also contacted the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ) regarding Citibank 's handling of this dispute. The fact that this mater remains unresolved despite repeated complaints, executive escalations, and regulatory involvement raises serious concerns regarding Citibank 's dispute resolution procedures, customer service practices, internal controls, account handling practices, and compliance with applicable consumer protection requirements. This matter has now required five formal complaints, multiple supervisory escalations, communications with numerous Citibank representatives, and complaints to both the CFPB and OCC. Despite these efforts, the unauthorized withdrawal remains unresolved, hte financial damages continue ot increase, and Citibank continues ot extend the anticipated refund timeline. 3 MULTIPLE PRIOR CONTACTS I have contacted numerous Citibank representatives and supervisory personnel concerning this matter, including : XXXX - Customer Representative XXXX XXXX Supervisor XXXX - XXXX XXXX - Manager XXXX - Collections Department XXXX - Customer Service XXXX XXXX Collections Department XXXX XXXX Customer Service XXXX XXXX XXXX Representative XXXX XXXX Customer Service Representative Despite these repeated contacts and assurances that the matter was being addressed, Citibank continues to delay returning funds that were withdrawn from my XXXX XXXX account without authorization. REQUEST FOR IMMEDIATE EXECUTIVE INTERVENTION extensions of Citibank 's refund timeline, and the substantial financial hardship that has resulted, I respectfully request immediate executive intervention and resolution. Accordingly, I respectfully request hardship compensation in the amount of {$10000.00} due to the substantial financial disruption, monetary damages, increased debt burden, credit-related consequences, inability to timely satisfy financial obligations, stress, inconvenience, regulatory escalation, over-limit consequences, delinquent accounts, and continuing harm caused by Citibank 's unauthorized withdrawal and prolonged failure to restore my funds. nI addition, Irequest reimbursement for al overdraft fees, returned payment fees, late charges, penalties, increased interest charges, collection-related expenses, credit-related damages, over- limit consequences, and any other consequential damages resulting from Citibank 's actions. Itherefore respectfully request : Immediate return of the unauthorized {$500.00} ACH withdrawal Immediate correction of any adverse account actions related ot this dispute Restoration of any adverse credit impacts resulting from this matter Reimbursement of al overdraft fees, returned payment fees, late charges, penalties, increased interest charges, and consequential damages 4 Reimbursement of al credit-related damages and over-limit consequences associated with Citibank 's reduction of my available credit during this dispute Hardship compensation in the amount of {$10000.00} Written confirmation of Citibank 's final resolution and corrective actions Given that this is now my Fifth Formal Complaint and that I have been forced to seek assistance from both the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency , I respectfully request immediate executive intervention and written confirmation that this matter has been escalated for urgent resolution without further delay. Respectfully submitted, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : 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