Checking or savings account -- Managing an account -- Complaint #18330854
Complaint Overview
Complaint ID: 18330854
Company: Citibank, N.A.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Cashing a check
State: California
ZIP Code: 91776
Date Received: 2025-12-28T12:00:00-05:00
Date Sent to Company: 2025-12-28T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I deposited a check drawn on XXXX XXXX Bank into my Citibank account for approximately {$1500.00} The account was closed before the check cleared. I have confirmed with XXXX XXXX Bank that the funds have already been debited from the issuers account. However, Citibank has informed me that it requires verification of the checks authenticity from the issuing bank. I was told that Citibank attempted to contact the checks issuer but no response and refused to make further verification attempts. This has resulted in my funds being held indefinitely despite the check being legitimate and the funds having cleared from the issuers account.
Frequently Asked Questions
What is Complaint #18330854 about?
Complaint #18330854 was filed against Citibank, N.A. regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2025-12-28T12:00:00-05:00.
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 (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.