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New York’s attorney general sued Citibank in January 2024, alleging that scammers took over customers’ online or mobile banking and that Citi failed to prevent the fraud or properly reimburse victims. On January 21, 2025, a federal judge allowed the core claim about unauthorized consumer wire transfers to proceed, but did not decide that Citi was liable or order it to pay customers. The reviewed official sources do not establish what happened in the case after that ruling.
What the lawsuit alleges
New York Attorney General Letitia James filed the case against Citibank, N.A. in federal court in Manhattan on January 30, 2024. The complaint alleges that scammers gained access to consumers’ online or mobile banking and then made electronic transfers and other transactions. It says Citi’s security and fraud monitoring were inadequate, that the bank did not respond effectively to warning signs, and that it wrongly denied reimbursement claims. Those are allegations in the complaint, not facts established at trial. Read the filed complaint.
The complaint describes severe individual losses, including money needed for daily living, children’s college funds, and life savings. It states: “Consumers have lost their life savings, their children’s college funds, or even the money needed to support their day-to-day lives.” That sentence is the state’s allegation; it is not a court finding or a verified total for losses in the case.
James also characterized the allegations in the state’s announcement: “Banks are supposed to be the safest place to keep money, yet Citi’s negligence has allowed scammers to steal millions of dollars from hardworking people.” This was the attorney general’s statement when the suit was filed, not a judicial conclusion. The reviewed official materials do not establish a single independently verified aggregate loss figure for the case. Read the January 30, 2024 announcement.
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What the judge decided—and what remains undecided
On January 21, 2025, U.S. District Judge J. Paul Oetken granted Citi’s motion to dismiss in part and denied it in part. The court allowed the core claim under the Electronic Fund Transfer Act (EFTA) concerning unauthorized wire transfers from consumer accounts to continue. The attorney general’s office summarized the ruling as allowing EFTA to apply to those transfers. Read the opinion and order and the attorney general’s announcement.
A motion-to-dismiss ruling addresses whether claims may proceed at that stage of litigation. It does not establish that the complaint’s allegations are true, determine that Citi violated the law, or require reimbursement. The attorney general asked the court to stop the practices alleged in the complaint and sought restitution, interest, penalties, disgorgement, and stronger anti-fraud measures. Those were requested remedies; the reviewed sources do not show that the court awarded them.
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Why unauthorized wire transfers are central
The central legal dispute is whether EFTA protections for unauthorized electronic fund transfers cover the consumer wire transfers described in the complaint, and whether Citi could invoke a statutory exception to deny reimbursement. The January 2025 order allowed the core EFTA theory to proceed past dismissal. It did not resolve the underlying dispute or decide whether any particular customer’s transfer qualifies for protection.
The distinction between an unauthorized transfer and one a customer personally authorized matters. The complaint describes account takeovers and a range of activity, including purchases, payments through services such as Zelle or Venmo, and wire transfers. The court ruling described above concerns the core EFTA claim about unauthorized consumer wire transfers; it should not be read as a blanket ruling on every payment type, fraud scenario, or reimbursement claim.
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Will Citibank reimburse victims?
The January 2025 ruling did not order Citi to reimburse anyone, and the reviewed official sources do not establish that victims have been paid through this lawsuit. Nor do they establish later docket developments after the ruling. It is therefore not possible from those sources to say that the case ended in a judgment or settlement, that Citi won or lost at trial, or that the lawsuit remains active as of October 8, 2026.
The lawsuit also does not automatically cover every person who lost money to bank fraud. The complaint and ruling concern specific allegations and legal claims. Whether a bank must reimburse a person depends on the facts and applicable law; the procedural ruling alone does not decide an individual claim.
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How to report a bank-fraud loss in New York
When the lawsuit was announced, the New York Attorney General’s office invited consumers who lost money after scammers hacked online or mobile banking to report their experiences, whether their account was at Citi or another bank. Reporting helps the office receive complaints; it is not a guarantee of reimbursement or recovery. Use the contact and reporting information in the attorney general’s announcement.
Quick Recap
Best Value
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