Citibank
Why is Citibank so blatant?

My Citibank 's credit card has been stolen in Italy 19 August.
The thief made a transaction of 500 euro, whereupon the card has been blocked.
I applied for the reimbursement on 25 August.
Here is the result of bank's investigation saying that the PIN code has been used.
Http://s017. Radikal.Ru/i442/1111/84/cb8b920e3118.jpg
http://s017. Radikal.Ru/i417/1111/5b/f7bbbb8f7e84.jpg

Than being 100% sure nobody could know my PIN code there (I just didn't use it) I have requested the account statement for that day, and..."We hereby confirm that this operation was made without of PIN code."
http://s40. Radikal.Ru/i088/1111/47/81270d0781bb.jpg
http://s017. Radikal.Ru/i404/1111/ef/cf72066a61fc.jpg

Multiple phone calls didn't help to clarify the situation.
I applied for the reimbursement for the second time.
Two weeks later, the bank confirmed the transaction has been made without PIN code usage, but since I called not in time, "money written off in favor of the bank serving this ATM was legitimate and can not be returned".
Http://s50. Radikal.Ru/i127/1111/d5/df29b713b415.jpg
http://s002. Radikal.Ru/i197/1111/84/ccabb261b7d3.jpg

I wonder which kind of ethics stops Citibank from charging me 500 euro everyday saying I didn't call in time?

I requested the copy of the cheque which is supposed to be signed by me,
http://s017. Radikal.Ru/i417/1111/12/d1a093b3ca9f.jpg

It's not my signature, but Citibank says they never check the signatures in such cases, but declines 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?

Company: Citibank
Country: USA

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