Checking or savings account -- Managing an account -- Complaint #6329748
Complaint Overview
Complaint ID: 6329748
Company: Citibank, N.A.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem making or receiving payments
State: Texas
ZIP Code: 787XX
Date Received: 2022-12-16T12:00:00-05:00
Date Sent to Company: 2022-12-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Several weeks ago, I learned that Citibank locks some customers out of their accounts and refuses to release their money even if they show up with an ID. Citibank has procedures that will lock you out of all your accounts without consultation and will bar you from regaining access to your funds for 30-60 days, even if you show up in person with ID. My first notice wasn't a text or email alerting me to fraud. It was an email announcing that my account that I just opened and never used user than for depositing checks was blocked, immediately, and would automatically close, XXXX had no access to the {$2100.00} that had accumulated in my Citi Account. I phoned every number possible and all I get is Non-US based customer service representatives that I can hardly understand. They tell me the account was referred for closure on XX/XX/2022 and that it would take 30-60 days to conclude review. When I opened the account I transferred over {$100.00} then I deposited checks on XXXX ( {$800.00} ) and XXXX ( {$1200.00} ). Citibank took credit from these checks and I verified with issuing banks. This is a predatory business practice. Especially for people who live check to check. I am behind on rent because I can't access my {$2100.00} from that Citibank account. I never even used the card for any transactions so I don't understand how I could've even violated any terms. We are sitting on day 46 out of their apparent " XXXX '' day max review period and I haven't received a single answer from bank in regards to my questions.
Frequently Asked Questions
What is Complaint #6329748 about?
Complaint #6329748 was filed against Citibank, N.A. regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2022-12-16T12:00:00-05:00.
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.