ComplaintDescription of the complaintMy wife received several deposits for tax product group deposits that we paid out to various clients. The accounts had funds priors to these transactions and after several weeks the bank decided to put a hold on these direct deposits because the name does not match the deposit.we went in to the branch to investigate and a member of the branch told us the bank uses a poverty index and scores clients just as XXXX does and because we did not score well on those index they decided to freeze all of my wife accounts.he advised that we needed to fax proof that the funds belonged to us and then they would release the funds. After this weeks went by with no response so i decided to discuss this matter with the liaison center and the operator told bme when asked that the poverty index in citi banks policy and unfortunately that was just the way they do business. I was then transferred to a rep named XXXX who said that the bank did not practice these methods and that was not likely that anyone told us this. she advised that would investigate both matters. I advised XXXX at this point we feel that bank has not only been racist but the bank has also shown us that they are discriminating against people with money issues or lack their of.I advised we just want our accounts closed and a check mailed. we are no longer interested in doing business with this bank. we then received a letter not even a phone call from amber stating that the bank terms allows the bank to close an account at anytime and that she does not feel the bank told us about a poverty line even though it was said clearly to me on a recorded line. what she failed to mention is that in the terms and conditions the bank does reserve the right to close and account but it also says that they will mail a check for any monies in the accounts. She has advised that the bank will stay with these funds unless my wife can come in to a branch with these people whose names are indicated on the deposits. I have submitted proof that these deposits where intended for these accounts and that they are not accidental. we are not only being deprived of these funds but also the funds that we already had in these XXXX bank accounts. 
How complaint can be satisfactorily addressed 
