My Citibank credit card was stolen in Italy on August 19. The thief made a transaction of 500 euro, whereupon the card was blocked. I applied for reimbursement on August 25. The bank's investigation concluded that the PIN code had been used.
Being 100% sure nobody could know my PIN code there (I just didn't use it), I requested the account statement for that day, and it said: "We hereby confirm that this operation was made without of PIN code."
Multiple phone calls did not help to clarify the situation. I applied for reimbursement for the second time. Two weeks later, the bank confirmed the transaction had been made without PIN code usage, but since I called not in time, the "money written off in favor of the bank serving this ATM was legitimate and can not be returned."
I wonder what kind of ethics stops Citibank from charging me 500 euro every day, saying I didn't call in time?
I requested the copy of the cheque which is supposed to be signed by me. It's not my signature, but Citibank says they never check the signatures in such cases. They decline to explain why I need to sign the cheques if so, as well as why there is no money amount written on the cheque. Why?
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