Checking or savings account -- Closing an account -- Complaint #18047160
Complaint Overview
Complaint ID: 18047160
Company: Citibank, N.A.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Closing an account
Sub-Issue: Funds not received from closed account
ZIP Code: XXXXX
Date Received: 2025-12-01T12:00:00-05:00
Date Sent to Company: 2025-12-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Complaint Regarding Closed Citibank Account and Inaccessible Funds Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Citibank regarding my closed bank account and the inability to access the remaining funds that were in the account. Background : I opened a Citibank account in XX/XX/XXXX while studying in the United States. When I left the XXXX, the account still held approximately USD XXXX ( or more ). Due to the XXXX pandemic, I was unable to return to the United States for several years. In XXXX, the debit card associated with my account expired. Recently, I contacted Citibank to update my information and request access to my funds. However, I was told that : XXXX. The account has already been closed, XXXX. The representative could not do anything, XXXX. No email contact for further assistance could be provided, XXXX. And I was advised only to call againwhich is extremely difficult and costly because I currently reside in XXXX. At this point, I have no clear information about where my remaining balance has gone, and Citibank has not offered any alternative way for me to verify the status of my funds or retrieve them. Issues of Concern : Citibank closed my account without notifying me, despite having funds remaining in the account. I was denied any accessible method of communication, such as email, even though international customers may not be able to call easily. I have been given no instructions on how to reclaim my own funds. As a foreign resident outside the XXXX, I am left with no practical or fair way to resolve this issue directly with Citibank. I have made every reasonable attempt to resolve this with Citibank directly, but the lack of communication options has made it impossible. I appreciate your assistance and attention to this issue. Please let me know if you require any additional documents, identification, or information from me. Thank you for your time and support. Sincerely, XXXX XXXX XXXX : XXXX XXXX Phone ( optional ) : XXXX
Frequently Asked Questions
What is Complaint #18047160 about?
Complaint #18047160 was filed against Citibank, N.A. regarding Checking or savings account specifically about Closing an account. It was received by the CFPB on 2025-12-01T12:00:00-05:00.
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.