Eric M.
I am a Federal Beneficiary of the…
I am a Federal Beneficiary of the United States. I am a Disabled Veteran with 2 HONORABLE DISCHARGES from the U.S. Army. & Have Been Blessed by my Government's care & assistance they have given us. I was receiving by Benefits before I moved to Ghana in June, 2011. I had had my Payments by Direct Deposit at my Baltimore MD. Bank of America Account & after I moved to Ghana I was using my VISA (ATM Card) to Access my money or a SWIFT WIRE TRANSFER in 2011 was very Costly. I had a different reason to contact the Federal Benefits Unit at the U.S. Embassy In London & the woman said I can have my U.S. D.Deposit paid to my Bank in Ghana & paid in Cedis at NO Charge!! Citibank has JOINT A.H.C. Accounts with Most Banks in the World. In 2015 I went to change Banks because Citibank has from I began in 2012 or 13 my 1st PMT.But over 80 to 85% of our PMT were between 3 & 6 weeks Late. Maybe my 1st 10 years less than 1% were on time 5% within 7 days late but 80 to 85% were Over 3 weeks late to 6 wks!! When I tried to use this Bank from April was my Last PMT thru Late August, 2015 (3) PMT were Missing!! It took over 2 years to replace the 3 PMT. Citibank had ALLEGEDLY deposited into a Closed Act for 10 to 15 years & had Nothing to do with the bank I tried to change. So, before I set my Bank Act. I Verified that Zenith Bank Maintained a JOINT Citibank & Zenith Joint Act. For A.C.H. International Transactions. Citibank was PAID by the U.S. Gov. To Legally use this ACT!! But my PMT. were Still approx 3 to 6 wks. Late!! So, since I Couldn't get any help about Citibank's Questionable Dealings!! Well I needed to Know IF Citibank has REFUSED to Use the REQUIRED ACH System as U.S. PAID Citibank to Have our VA PMT. MUST be AVAILABLE in my Ghana Bank Act. NO Later than the 1st of every month!! How & When has my Zenith PMT arrive i At Zenith? Well my Zenith PMT was Processed by U.M.B.?.? Why & Why wasn't it Deposited as Required thru Citibank & Zenith Joint A.C.H. Act, But Citibank has Sent my A.C.H. PMT to UMB, Why?? I actually unlike Now, Actually Talked to the C.E.O. of UMB & Asked Why was my U.S. Gov.A.C.H. PMT in UMB anyway??? He said (#1) to these Aren't A.C.H., but SWIFT TRANSFERS! I had Learned from the F.B.U. that in 2015 there were Over 160 Residents in Ghana receiving VA or SSA PMT!! According to U.M.B's CEO that he was Receiving 50 to 60 PMT'S with this BULK SWIFT TRANS!!! For UMB to get there Money from Citibank UMB MUST Covert This SWIFT Trans. Into the 50 to 60 A.C.H. PMT with TOTALLY DIFFERENT Tracer Reference Numbers & NOT the U.S. Gov. T.R.N.!! This MAKES TRACING these U.S. Treasury's A.C.H PMT could NEVER be TRACED or TRACKED because Citibank Has CASHED or CLEARED are PMT!! The ONLY POSSIBLE Reason For the U.S. Gov's VA PMT on the 1st as REQUIRED!! Citibank can Legally use our Money from say the 20th to the 26th of the Month Before the 1st when IT MUST be AVAILABLE by the 1st! Example March's VA PMT MUST BE in my Zenith Act. By the 1st April, 2016!! But example is Dec. PMT due on the 1st Jan.2026, but Holiday, So the 31st Dec, 2025!!! Citibank Has CLEARED my CANCELED 1st JAN, 2026 PMT was PAID IN FULL on the 31st Dec. 2025 as FRAUDULENTLY REPORTED & CASHED by CITIBANK!! But as of the 20th Jan.2026 Citibank had My Money also the Others, because CITIBANK Still HASN'T Transferred our MONEY YET!! So, as EXPLAINED by UMB'S CEO!! He Converts this BULK SWIFT TRAN. Into the 50 or 60 Separate A.C.H. Trans. With TOTALLY NEW & UNTRACEABLE ACH Transaction.in LAYMAN'S TERMS of I Understand Citibank's SCAM of the ILLEGAL Borrowing INTEREST FREE LOANS from the U.S. Gov. & The Federal Beneficiaries, THIS IS THE PERFECT CRIME I BELIEVE!if I Understand it according to the CEO of UMB & the F.B.U. at the London Embassy!! Treasury issues A.C.H. PMT for Each VA & SSA Received this PMT. It's like you T.P. writes me a Check for $100 Dollars!! But say Joe is Paid to Delivery T.P. Check Deposited into My bank Acct. But Joe Illegally Cashed my T.P. PMT. So now T.P. has PROOF that Joe had Paid me this $100 Dollars because T.P. has their CANCELED Check in their Act. But (I) Still Don't have my MONEY, But when I Contact T.P. & ask about my MISSING PMT!! I Have NOTHING T.P. has the BANK RECORDS that I Eric Meredith has Been PAID IN FULL because JOE has ILLEGALLY BORROWED my MONEY without my Knowledge & or my Consent!! This IS A PERFECT CRIME!! I am here in GHANA, Citibank & the ENFORCEMENT Agencies that INVESTIGATE These TYPE Of CRIMES & after Jan, 2025 was When the U.S. Gov BLOCKED ALL ACCESS to Gov. Agencies Websites, to PROTECT the Systems! GREAT PLan, I even was the 1st ID.ME VERIFIED IDENTITY by EDDIE on the 21st March, 2025 after 8 to 10 hours per Day from the 6th Feb thru the 21st March, 2025 while HOSPITALIZED at the Baltimore VA Medical Center Hospital!! But when Crossing the Boarders from U.S. I was again BLOCKED But the 10th April, 2026 & NO APRIL PMT!! Citibank, U.M.B. & ECOB