Citibank has attempted to defend its actions in this matter by reliance upon the Expedited Funds Availability Act. That defense is only tangential, not central, to the current claim. 

In this instance, when I attempted to deposit the counterfeit cashier 's check ( copy attached ) ostensibly drawn on XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) in a Citibank ATM at XXXX XXXX XXXX XXXX, XXXX XXXX, the ATM rejected the check. I then approached a teller at that Citibank branch location and indicated to him that the ATM had rejected the cashier 's check and asked whether the teller would accept deposit of that same counterfeit cashier 's check. 

As noted by XXXX XXXX, General Counsel for XXXX, in his email of XXXX XXXX, 2015 ( copy attached ), any bank teller with the requisite training in detecting counterfeit cashier 's checks should have immediately known that the check I presented for deposit was counterfeit. In this regard, as XXXX XXXX points out, legitimate cashier 's checks have " a tracking number which is not present on the check presented to Citibank. '' In addition, as noted by XXXX XXXX, legitimate cashier 's checks bear the telephone number of the issuing institution ( which the counterfeit check did not ) and the check in question bore a suspicious " security features box located on the reverse side. '' Therefore, Citibank 's act of accepting the counterfeit cashier 's check, which their employee ( the teller ) knew had just been rejected by Citibank 's own ATM machine, was, at best, gross negligence, and the teller who accepted the check was either completely untrained in fraud detection by Citibank, extremely reckless, or knowingly and intentionally careless in his actions. The fact the I was given immediate credit in my account for the counterfeit cashier 's check merely compounded the grossly negligent and reckless behavior of Citibank and led to their loss - - which they are now attempting to pass on, unlawfully, to me. 

Under the circumstances, Citibank should be made to suffer the entire loss in the amount of {$1900.00}. Instead, Citibank has, as they admit, closed my account and has also notified other banks to not do business with me, thus preventing me from opening a new account elsewhere and further damaging and injuring me in my personal finances, reputation and credit. 
