On 12/1/06 all my accounts were drained of funds.
The Banch Manager told me to call customer service to file a report. Report process took longer than allowed by citibank they will not review any of the problems I address because their system 'only will go back 60 days'. 60 day dispute period is unreasonable as instructions and requiremenmts are almost impossible to comply with. Filing a dispute was a mute point by the time I was able to meet with a branch manager or until I was able to obtain correct information by a telephonic customer service representative.
When I discovered that my three accounts were drained of all funds, I immediately went to a manager. I was informed, I was responsible for finding the missing monies. Once I 'found' my money, they would review the information and get back to me not sooner than 90 days. A 60 day limit was imposed to obtain the information. Only the bank has authority to review it's records as it is confidential information. No crisis resolution department was available to assist me. Over $20k were missing and never returned to me as there was no investigation.
I requested a review of my entire banking history, at a charge of $2.00 a statement. (Several bank personel, in the branch and customer service recommended the shredding of all statements to prevent ID theft; the information was to be accessable online or through the branch. I was not informed of the $2 fee assessable to each statement.) I did ask for 10 years of statements from all of my accounts. Months later, I was informed that MY SIGNITURE CARD AND 6 1/2 YEARS OF BANKING INFORMATION WAS LOST, UNRETRIEVEABLE.
The available statements revealed a pattern of thousands of dollars over the course of the years that were deducted from my accounts 'erroneously'. There were two $150.00 charges for two bounced checks that I never wrote, nor did the checks exhist. When paying bills on line, doaens of times the money was debited from my account and not given to the debtor. Resulting in late charges and the amount I specified to pay was debited from my account twice. The problem lied in the 5 second limit to input information into the online banking process.
Demographic information on my account was changed several times. I did not receive statements for three month periods and when I did begin to receive statements I found several thousand dollars missing again. All the demographics were changed on personal accounts&statements addressed to my spouse, and we were and are currently involved in divorce proceedings. The manager of the branch told me that they don't check ID to change an address and it can be done at the branch or on the phone. At this time — they had no signiture card to compare a signiture with as it was lost when they moved my files, and they went to another country.
I have been unable to have any of these issues resolved as the 60 days had already passed.
To date I have been unable to find any recourse. I worked on this diligently for several months because Identity theft ensued at the same time involving all my creditors, virtually anything involving my money and credit. I spent hours a day for months. Subsequently all my affairs required crisis resolution, I became very ill and have been for over a year.
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