Money transfer, virtual currency, or money service -- Money was not available when promised -- Complaint #13956521
Complaint Overview
Complaint ID: 13956521
Company: Citibank, N.A.
Product: Money transfer, virtual currency, or money service
Sub-Product: Domestic (US) money transfer
Issue: Money was not available when promised
State: Pennsylvania
ZIP Code: XXXXX
Date Received: 2025-06-07T12:00:00-05:00
Date Sent to Company: 2025-06-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I initiated two bank-to-bank transfers from XXXXXXXX XXXX to Citibank on XX/XX/year>. Both were initiated from Citis side and confirmed with Estimated Deposit Date : XX/XX/XXXX and Available By : XX/XX/XXXX in the Citi dashboard and emails. However, as of XX/XX/XXXX, neither transfer is available. A Citi agent told me that the {$13000.00} transfer wont be available until XXXX XXXX any hold notice or explanation. XXXX own Funds Availability disclosure states that if a hold is placed, they will notify customers at the time of deposit or the next business day. No such notice was given, which directly violates their published policies. This misleading presentation of availability datesespecially with large sumsis financially dangerous. Had I been relying on this money for time-sensitive payments, I could have faced serious harm. This issue reflects poor transparency and a breach of trust. XXXX asking the CFPB to investigate.
Frequently Asked Questions
What is Complaint #13956521 about?
Complaint #13956521 was filed against Citibank, N.A. regarding Money transfer, virtual currency, or money service specifically about Money was not available when promised. It was received by the CFPB on 2025-06-07T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Money transfer, virtual currency, or money service) and describe your issue in detail.
Can I see other complaints against Citibank, N.A.?
Yes, visit the Citibank, N.A. company profile at readthecomplaint.com/company/citibank-n-a to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.