- Report: #1432299
Complaint Review: CITIBANK - San Antonio Texas
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CITIBANK
100 citibank drive San Antonio, 78245 Texas, United States
Phone:
2103570105
Web:
https://online.citi.com/US/login.do
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CITIBANK JERRY REEVE Executive response unit TRYING TO EXTORT FUNDS WHEN THERE IS NO DEBT OWED, THREATENED ME WITH CHEX SYSTEMS INC, San Antonio Texas
I deposited a check last sept of 2017 in the amount of 5050.38, the check was supposedly a bad check, untill i received in the mail a ''legal copy'' Of this returned check and began to investigate and asking questions, why wasnt the original check given back to me with my wet ink signature and why did i receive back a copy of that check with all these added numbers which are routing numbers and trace back to many places. theres a new york routing number and another number 0000555038 traces to some kind of financial institution in poland, so here we have a check which is supposed to be worthless and they are making transactions with it [by evidence of the numerous routing numbers] and lying to me about everything, and they try to make me believe i owe them something when i never received any ''bill'',
furthermore there was a fraud committed and they refused to let me file a report for fraud, furthermore i can almostgaruntee my account was insured by the FDIC and the citibank did collect on the formentioned amount after 90 days, as ALL BANKS COLLECT ON DEFAULTED MORTGAGES ANYWAYS AND NEVER TELL THEY DO,
so why was this ''bad check'' sent all over the world with multiple tranactions and they claim i owe them something now and make threats with chexsystems, when i was never given a 'bill'' and or never received any affidavit or swron statement of a wrong doing, this is crazy this amount of fraud , they use word semantics and smoke and mirrors and threats to get you to pay them for the third time, this is evil wickedness these bankers satanic liars thieves indeed, and on the CFBP website they cannot answer any question with clarity, they like to use distractive sideways talk like bill clinton, yeah, they cant answer one question from me,
so what i would like to see is the original check, and the proof of any ''debt'' AND THIER SIDE O0F THE LEDGER AKA ''SECRET BOOKEEPING''
I HAVE ALL RIGHT TO SEE FULL DISCLOSURE ANYTHING CONCERNING MY NAME WITH FINANCIAL RECORDS, I ALSO WANT TO KNOW WHY THIS ALLEGED BAD CHECK HAS ALL THESE NUMBERS ON IT AND I WANT A FULL EXPLANATION AND AN ANSWER WHERE IS THIS CHECK RIGHT NOW,
1 Updates & Rebuttals
Robert
Irvine,United States
Sorry
#2Consumer Comment
Mon, March 05, 2018
You are a bit misinformed on a few things.
FDIC insurance has nothing to do with fraud, it has to do with protecting your funds if the bank fails, and that is the only time any sort of claim would be paid.
You seem to be hanging your entire complaint on not being able to see the "original" check and not receiving any "bill". There is NO bill, you will never see a bill. With the Electronic Banking Regulations a check is no longer sent from Institution to Institution, it is all done electronically so the check won't have all of the institutional markings you want to see. What you received is what was legally required for them to do, and would be the same with ANY bank. In fact with regulations involving Electronic processing, such as Check 21(2004) and Regulation E(1970's), the "original" check probably doesn't even exist anymore.
Now, I am going to go out on a limb here. This issue involves you depositing a check from someone you don't know, who sent you a check and asked you to send them money(or gift cards) back. But when you did this a few days later the check actually was returned as fraudulent and the bank reversed the deposit leaving you a few thousand dollars in the negative. Where they are now telling you that you are responsible.
Bet I am right on..and even further I bet you are not going to like what I am going to tell you. The bank is RIGHT. When you present a check to the bank you are representing it is a valid check. After all if you knew it was a "bad" check you would knowingly be committing fraud. As such if the check comes back as bad you are responsible. Now, in normal circumstances you would in turn go after the person who gave you the check. But since that person didn't give you a single piece of valid or traceable information you are NEVER going to find them. Thus...you are at the end of the line and the one who owes the money. If you fail to pay them back they have every legal right to start collection efforts against you, and yes this includes ChexSystems. In extreme circumstances it could still include them charging you with criminal fraud. The best you can do in this case is try to work something out with them.
Of course if this isn't the case, perhaps you can give us the details of this check you deposited.
