Checking or savings account -- Closing an account -- Complaint #18080195
Complaint Overview
Complaint ID: 18080195
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
State: Maryland
ZIP Code: XXXXX
Date Received: 2025-12-02T12:00:00-05:00
Date Sent to Company: 2025-12-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Citibank closed my checking account on the same day they repeatedly flagged my legitimate transactions as potential fraud. For several hours, every debit card transaction I attempted triggered a fraud alert, even though I had used my card many times at the same or similar merchants, for the same transaction types and amounts. When I attempted to contact Citibanks fraud department to confirm that the flagged transaction was mine, I was repeatedly transferred to the account-closure department instead. I was informed that the account had been closed due to too many suspicious transactions or similar language referenced in Citibanks terms and conditions. After the closure, I received a letter stating that I could call to request early release of my remaining funds instead of waiting the standard 60-day hold period. However, when I called, I was transferred back and forth between departments, both of which read from the same script and refused to answer specific questions about the closure or the status of my funds. When I requested a supervisor, I was told I would receive the exact same scripted response and that there was no other department or method of communication to resolve the issue. Citibank is currently holding my full paycheck and the remaining balance in the closed account for 60 days before they will mail a check. I am paid monthly, and this hold has left me without access to my income. I trusted Citibank with my money, and I am unable to get answers, clarification, or assistance from any department.
Frequently Asked Questions
What is Complaint #18080195 about?
Complaint #18080195 was filed against Citibank, N.A. regarding Checking or savings account specifically about Closing an account. It was received by the CFPB on 2025-12-02T12:00:00-05:00.
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.