( 1 ) I attempted to transfer funds from Citibank in XXXX to XXXX XXXX XXXX in XXXX on XXXX XXXX, 2016. I did so online, and I was assured in that online transaction that the funds would arrive on XXXX XXXX, using the XXXX feature. The aim was to replenish the Hawaii account before an overdraft. ( 2 ) Subsequently, Citibank neither sent email nor telephoned about the attempt. ( 3 ) I received mail from the Hawaii bank dated XXXX XXXX, I learned that the deposit had not occurred. ( 4 ) I then went online to access the history of my account, discovering that the transfer was classified as " Cancelled. '' ( 5 ) I went online again on XXXX XXXX to make the same transfer, and was again assured that the amount would be transferred, this time by XXXX XXXX. ( 6 ) I telephoned Citibank to ask why and I was informed that I had not provided a verification code required to complete either transfer. ( 6 ) While still on the telephone, Citibank then walked me through a process to obtain a verification code for the XXXX XXXX transaction, but to obtain the code I was instructed to hang up, get the code, and enter the code on the website. ( 7 ) I hung up and found three messages saved on my telephone. When I listened to them, they all said that I would have to tap the 1 button on my telephone for the code. In all three cases, pressing the 1 button yielded nothing but a message to tap the 1 button. 
My complaint is ( a ) that while using XXXX, there was no requirement on the website to get a verification code as part of the process, ( b ) there was no Citibank notification, either by email, telephone, or online that the transaction was being held up for lack of a verification code, ( c ) that no verification code was even sent when I tried, ( d ) my XXXX account was not replenished, so I have been billed by that bank {$30.00} for the overdraft fee and {$3.00} daily ever since. 
Remedy : Citibank must pay the expenses incurred for failing to provide adequate information about how to make the transfer. 
