Issue : Citibank deducts face value difference XXXX XXXX vs XXXX dollars ) from account principal, not pending deposited amount, on deposited cheques in XXXX currency. I filed a CFPB complaint one month ago, and was contacted by a Citibank representative who apologized in writing and assured me this would not happen again. However, it happened with the next XXXX cheque I deposited, resulting in a bounced cheque due to funds withdrawn from the account to cover the CAD to XXXX exchange rate. A citibank representative then refused to refund the bounced cheque fee, despite being informed of the outcome of the previous complaint ( refunded fees XXXX, and verifying it in Citibank 's records. 

Narrative : I regularly deposit paychecks in XXXX XXXX XXXX XXXX XXXX into my Citibank bank account. Citibank first deposits the checks as if they had been made out in XXXX. Then they correct the amount by subtracting the difference. However, they do this before making the deposited amount available. They typically hold an excessive 2-3 weeks before making the amount available. Where do the get the money for the difference? They deduct it from the balance already in the checking account, rather than adjusting the deposit amount. This has created an overdraft and left me without my own money on three occasions. 
