Checking or savings account -- Managing an account -- Complaint #4665426
Complaint Overview
Complaint ID: 4665426
Company: Citibank, N.A.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
State: New York
ZIP Code: 10901
Date Received: 2021-08-26T12:00:00-05:00
Date Sent to Company: 2021-08-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I attempted to make a purchase online at XXXX using my Citibank debit card. The authorization didnt go through and I attempted it 2 more times. I then realized I should call my bank as the type and amount of transaction probably caused a flag on my card, some kind of fraud alert. I explained that the transaction was legitimate and asked them to notate my account that I attempted that purchase and would want to do it again. The representative said it was referred to fraud Dept for review, and that my card would be cleared In about 1-2 hours. This was at XXXX XXXX on XX/XX/XXXX. I called again at around 2 ish only to be told by another rep that it could take up to 48 hrs. This is unconscionable and unacceptable as I called to explain the transaction and I was also thoroughly vetted by them. This account with Citibank and associated debit card is my only source and access to my funds. I am XXXX yrs old without other resources. Citibank is holding my funds hostage. They would not let me speak to a supervisor when I requested and told me they had no access to the back office to which they kept referring. I spent over 5 hours trying to rectify this situation which - being there was NO FRAUD- should have be solved in minutes. Also, as big a corporation as Citibank is, they disclose no contact information for executive offices/officers. I even called general customer service and said I needed to make a formal complaint and the representative told me there were no issues with my account. I asked her to contact fraud while I waited to make sure. She didnt, but just transferred me to fraud - again- who verified what I already suspected- they had NOT REMOVED THE BLOCK ON MY CARD. I also feel that I am being punished because of the many calls I made to Citibank regarding this situation as the customer service supervisor said, you have made many calls. I said YES, You have basically frozen my funds!!!! I am sick over this
Frequently Asked Questions
What is Complaint #4665426 about?
Complaint #4665426 was filed against Citibank, N.A. regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2021-08-26T12:00:00-05:00.
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.