Checking or savings account -- Closing an account -- Complaint #17984866
Complaint Overview
Complaint ID: 17984866
Company: Citibank, N.A.
Product: Checking or savings account
Sub-Product: Savings account
Issue: Closing an account
Sub-Issue: Company closed your account
State: California
ZIP Code: 91789
Date Received: 2025-11-27T12:00:00-05:00
Date Sent to Company: 2025-11-27T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint because Citi closed my account without any prior notice. I only discovered the closure when I could no longer log in, and after calling customer service and visiting a branch, I was told it was due to ACH-related activity. I was never informed beforehand or given any opportunity to respond or clarify anything. I opened the Citi account because of the high interest rate and the opening bonus, and I transferred a large amount of money into the account. These funds are completely legitimate. My family is financially well-established, and my father, a XXXX XXXX of a publicly listed company in XXXX, has supported me financially for many years. Much of my money has been in my personal accounts for a long time and has always been fully under my control. Later, I opened other accounts such as XXXX XXXX XXXX XXXX for bonuses or investing, and I moved some of my own funds using ACH because I believed it was a normal transfer method in the U.S. I had no fraudulent intent and was simply unfamiliar with U.S. banking practices. I can fully provide statements from my other bank accounts to prove that all of these funds belong to me and are completely clean. Citis decision to close my account, freeze my funds, and refuse to give me any chance to explain beforehand is extremely unreasonable. I am completely innocent in this situation.
Frequently Asked Questions
What is Complaint #17984866 about?
Complaint #17984866 was filed against Citibank, N.A. regarding Checking or savings account specifically about Closing an account. It was received by the CFPB on 2025-11-27T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.