Checking or savings account -- Managing an account -- Complaint #17826627
Complaint Overview
Complaint ID: 17826627
Company: Citibank, N.A.
Product: Checking or savings account
Sub-Product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-Issue: Deposits or withdrawals
State: Florida
ZIP Code: 33328
Date Received: 2025-11-23T12:00:00-05:00
Date Sent to Company: 2025-11-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My Certificate of Deposit ( CD ) with Citibank matured on XX/XX/XXXX. Prior to maturity, Citibank emailed me asking whether I wanted to renew or withdraw the funds. I attempted to withdraw the funds three times, but each attempt resulted in a system error. I called Citibanks customer service on XX/XX/XXXX and XX/XX/XXXX, and also called the local branch on XX/XX/XXXX, but no one was able to resolve the issue. I was repeatedly told that Citibank can not fix technical issues. Despite never giving consent, authorization, confirmation, or an electronic signature, Citibank unilaterally renewed my CD at a lower interest rate. I received no confirmation email, which I always receive when I authorize a CD renewal. An email link Citibank sent me to manage my options redirected to a generic CD purchase page not connected to my account, indicating a system malfunction. On XX/XX/XXXX, Citibanks Executive Response Team informed me that an internal investigation ( which I am not allowed to see ) found no technical issues and that the renewal would not be reversed unless I paid a {$820.00} penalty to access my own funds. They also stated that my first contact was allegedly on XXXX, which is incorrect, despite my earlier calls. Branch calls are not recorded, so those attempts are being disregarded entirely. I have been denied escalation, denied access to the investigation, and told there is nothing they can do. I am requesting CFPB assistance to : Reverse the unauthorized renewal, Waive the penalty, Allow me to withdraw my funds immediately, and Review Citibanks handling of system errors, recordkeeping, and customer escalation. I can provide emails, screenshots, and call logs to support my complaint.
Frequently Asked Questions
What is Complaint #17826627 about?
Complaint #17826627 was filed against Citibank, N.A. regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2025-11-23T12:00:00-05:00.
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 (Checking or savings account) 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.