I am done with Citibank

Posted Thu January 24, 2008 3:16 pm, by Adam W. written to Citibank N A

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Last weekend I made a deposit at one of your ATM's. I was depositing a check. While filling out the deposit slip I put the check back in my pocket with my copy of the deposit slip and deposited an empty envelope. It was m fault.

I realized it the next day and deposited the check again. This happened once before but I realized it a few minutes later. I went into the branch and told them and they said it wasn't a problem and told me to just deposit the check into the ATM. My account adjusted automatically.

I bought lunch on Tuesday with my debit card and everything was fine. I checked my account online and saw that my account was overinflated by $200 and was waiting for it to adjust like it did last time. On Wednesday I tried to use my debit card and it was declined.

After calling the 800 number and being directed to several different branches (One CSR tried to transfer me to a branch in Idaho.) I finally got to the right person. A very nice woman told me she needed to speak with the manager and she would call me back. She called back and told me that my account would be ok as of today.

It is now 3PM and my account is still blocked. There is plenty of money in it. The empty envelope was a harmless mistake. I didn't withdraw any money! I called the branch and the woman I spoke with yesterday is not there. I talked to someone else and she didn't see any notes about the account being active. She told me she would have to check with the manager and call me back

I have given up Citibank. Your company is struggling and I joined only because you were new and were trying to make a presence in Boston. I have a few outstanding checks so once those clear this account is closed. This is not the first issue I have had and not the first letter I have written. You have ignored all my other letters. There are two banks on every corner these days. I have no reason to stick with you. BYE!

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Re: I am done with Citibank by Limestaria Posted Fri January 25, 2008 @ 7:27 AM I don't work for Citibank.. but it does happen all the time to all the banks, which is why there is a policy in place for these issues. If I have a customer that immediately comes in and lets me know about the mistake, and has the check in hand.. yes, it's no big deal. I can make the fix at the branch before it goes down to ATM adjustments. But if you don't let me know in any way? Your checkcard is shut down soon after I find your envelope, because I follow bank policy. Your account isn't blocked. Your check card is shut down. Why haven't you gone into a branch? Why have you only chosen to deal with this over the phone if the phone system has clearly been so ineffective? Empty ATM envelope deposits are a -major- source of fraud for banks, which is why you are now seeing automatic card deactivations and also why you are seeing extended holds on deposits made at (usually) foreign bank ATMs. You will have this result at any bank you choose to take your business to. Reply I did go into a branch. by Adam W Sat January 26, 2008 @ 11:51 AM Re: I am done with Citibank by donno Posted Thu January 24, 2008 @ 7:07 PM If your mistake was "harmless", as you describe it, then why are you upset about the resulting delay in being able to use your account? What you should have done is contact the branch as soon as possible to tell them of your mistake. The way the letter is written, you did this the first time, but I don't see where you contacted the bank this time. Good luck with your new bank. I'd be careful to put everything in the envelopes there, so you don't have problems with that bank as well. Reply Why? by Chris M Thu January 24, 2008 @ 8:31 PM If the bank knows about it by donno Thu January 24, 2008 @ 8:54 PM I agree about fraud. by Adam W Thu January 24, 2008 @ 10:32 PM I agree with by ~Fiƒi-la-ƒlea~ Fri January 25, 2008 @ 10:01 AM