Checking or savings account -- Managing an account -- Complaint #6783519
Complaint Overview
Complaint ID: 6783519
Company: Citibank, N.A.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem accessing account
State: New York
ZIP Code: 10025
Date Received: 2023-04-01T12:00:00-05:00
Date Sent to Company: 2023-04-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I closed one Citi account on XX/XX/23 due the death of my spouse, opened a new one at Citi in my own name by transferring funds on the same day, and then making a large deposit by check with new funds. Because of the size of the new deposit, my account was flagged for fraud. Citi made no attempt to reach out to me to alert me that my account was being frozen. The record of my new account disappeared from the app/online banking when I went to view it a day later, although I can still see my closed account. This should not be allowed. There should still be visibility into an account with a check pending. I have been in touch with Citi customer service on XX/XX/23 and they say there is nothing they can do to unfreeze my assets until the large check clears. That requires reaching out to the person who wrote the check to me. They should be able to segregate these issues and take the time they need to clear my large check without unfreezing my other assets. I have bills to pay, I am left with only {$11.00} in cash, and no clear timeline for settling this issue. I have a 20-year relationship with the bank, direct deposit with an excellent employer, and they still do this to me.
Frequently Asked Questions
What is Complaint #6783519 about?
Complaint #6783519 was filed against Citibank, N.A. regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2023-04-01T12:00:00-05:00.
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.