Checking or savings account -- Managing an account -- Complaint #4910234
Complaint Overview
Complaint ID: 4910234
Company: Citibank, N.A.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
State: Montana
ZIP Code: XXXXX
Date Received: 2021-11-14T12:00:00-05:00
Date Sent to Company: 2021-11-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On Monday the XXXX of XXXX I opened a checking account online with Citibank i deposited a {$370.00} cashiers check issued to me from XXXX XXXX the check was cleared and available the next day on XXXX XXXX I proceeded to wire transfer {$340.00} out and later that day I received a message that the transfer was cancelled it advised they could not reach me for further verification but I never received a call, email or text then later in the day I tried logging into the account again and I was locked out so I called the XXXX number and they looked into it and said that the check was fraudulent so I called XXXX XXXX and they said the check was cashed and deposited and there wasn't any problem as far as fraud so I called Citibank back and they finally got me to another dept. that after a long hold told me Citibank no longer wanted to do business with me and that I would receive a letter in and any remaining balance in 30 to 60 days i tried to explain that there must be a mistake and unfortunately I don't have these peoples names because I could barely understand them but i got no where I then went on XXXX and actually got a customer service rep from the states to call me her name was XXXX she looked into it and advised the same thing and also said 30 to 60 days and a refund if there was anything to refund I said well how could there not be a refund to the entire amount when I was blocked from having access 2 days after I opened the account? they will not tell me why they think its fraud I have offered any identification or anything else if there was doubt about who I am but i don't understand why they cashed if it was fraudulent which it wasn't now I have spoken with a number of people who are saying they do this a lot. Holding my funds for 30 to 60 days is unheard of especially when there isnt any fraud.
Frequently Asked Questions
What is Complaint #4910234 about?
Complaint #4910234 was filed against Citibank, N.A. regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2021-11-14T12:00:00-05:00.
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.