Money transfer, virtual currency, or money service -- Money was not available when promised -- Complaint #18077766
Complaint Overview
Complaint ID: 18077766
Company: Citibank, N.A.
Product: Money transfer, virtual currency, or money service
Sub-Product: International money transfer
Issue: Money was not available when promised
State: Florida
ZIP Code: 33133
Date Received: 2025-12-01T12:00:00-05:00
Date Sent to Company: 2025-12-01T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Citibank is unlawfully holding an incoming international wire transfer for more than 12 days without explanation or legal justification. Account type : Business checking account Bank : Citibank , N.A . Amount : {$950000.00} incoming wire Date wire was sent : XX/XX/XXXX Date funds were blocked : XXXX XXXXpresent Description : Citibank has blocked an incoming international wire transfer of {$950000.00} to my business account without providing any lawful justification. The bank claimed the reference to the word XXXX required clarification. Both I and the originating bank immediately clarified that XXXX is the brand of the vessel involved in the transaction, not a sanctioned entity. Despite this, XXXX Compliance Department has withheld the funds for over nine days and refuses to communicate with any Citibank representative or with my business. I have suffered substantial financial harm, including the impoundment of the vessel by XXXX XXXX, contractual losses, and legal fees. Citibank refuses to provide a timeline, explanation, or access to its compliance officer. This conduct appears negligent and abusive. I request immediate regulatory intervention and release of funds. Requested Resolution : Release the funds immediately, provide written justification for the hold, and compensate for damages caused by the delay.
Frequently Asked Questions
What is Complaint #18077766 about?
Complaint #18077766 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 2025-12-01T12:00:00-05:00.
How did Citibank, N.A. respond to this complaint?
The company responded with: "Closed with 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 (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.