PLEASE HELP On November 2nd I, (Jennifer Prevost) mailed a check for $3000.00 to Citibank to pay off loan #9796407073 in the name of John Prevost. On November 9th, I noticed that an ACH had been processed through Wells Fargo Bank. I wasn't sure what that was but I had only written one check from that account so I called Citibank and they advised that they had not received a payment in that amount, so I called Discover bank and they advised that the ACH was from Wells Fargo and that it had gone to Citibank. At this point, the struggle really begins when Citibank customer service can not locate this information and does very little to help us locate this. Discover bank then proceeds to help us find the Trace Identification # 09140971256148. Citibank continued to deny having the check while they continued to tell us to get them a copy of the check. Now because Discover was issued an ACH they didn't have a copy of the check (what they said). So, at this point even though they have a trace ID number Citibank still can not find these funds. Discover continues helping us and eventually gets ahold of the Federal Reserve and gets a Federal Reserve ID #11085. We get ahold of Citibank again and they advise that they can not do anything for us with these pieces of information. At this point we are feeling very lost in this situation. This behavior from a financial institution is shameful. Discover bank kindly continued to assist us in this matter by getting their ACH department involved to attempt contact with Citibank. Discover bank was able to get a copy of the cleared check clearly showing that the funds were cashed by Citibank and never credited towards our account. Citibank advised Discover bank that they had the funds and would credit the account. We still have not received the credit for the $3000.00. The account the checks was written off of was mine. Jennifer A Prevost out of my Discover bank checking account. The account that the check was to pay off was a personal loan. John R Prevost, loan #9796407073. We have faxed Citibank the information they requested, as you will see in their letter to us and we still have not received the credit to the loan. I am shocked and numb that a large institution like this can do this to their customer even, all the while providing them with the information that it takes to trace money. Additionally, I can see where the mistake was in processing. I have attached a picture of a $6000 payment that we made prior and can see the back processed nearly EXACT to the $3000.00 final payment EXCEPT directly below the words FOR DEPOSIT ONLY there are these digits 11102018 next to those is the full account number. That $6000.00 reached that account perfectly. The one for the $3000.00 has all this information EXCEPT for next to the digits 11102018 are 000000000979 SO this means that the account number WAS NOT input leaving these funds in limbo and Citibank not caring how much distress they put on their customers. read more