Consumer complaint received 2022-07-20
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXXXX/XX/XXXX From XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX Cell : XXXX Email : XXXX To CITIBANK , N.A . 
XXXX XXXX XXXX XXXX XXXX, TX XXXX REF : CASE # XXXX = THIS IS APPEAL FOR A FRESH LOOK Subject : Several ( XXXX ) Fraudulent Transactions on my ATM Debit card XXXX as i reported on chat on XX/XX/2022 ( XXXX ) This is my response to your letter of XX/XX/2022 and appeal/ Please take a fresh look, proof and analysis supplied herewith. 
Also one transaction from XX/XX/XXXX is missing and not listed in your letter, XXXX cash withdrawals that day. 
Total of all XXXX fraudulent unauthorized debits is {$2700.00} Summary : The ATM card was lost between its last legitimate use by me on XX/XX/XXXX in XXXX and XX/XX/XXXX in XXXX at XXXX, when I saw the many fraudulent transactions online, searched for the card believing it was with me, did not find it. 
The analysis and documents here prove that it would have been impossible for me to pull this off and do all those Cash Withdrawals on those dates, times and places as indicated in the transaction details. 


Dear Sir / Madam, I have your letter of XX/XX/XXXX refusing to acknowledge that the transactions on XX/XX/XXXX, XXXX, XXXX, XXXX that I had reported as fraudulent were in fact so. 
That, clearly, was unfair and inconsistent with the facts of the case. I was not at any of those ATMs that are listed for the cash withdrawal debits. 

The full analysis and needed proof documents for the situation is detailed in the attached letter. boarding card and hotel room receipt. 
Please read it carefully. It is a letter to my sons XXXX and XXXX, they have been helping me with our various challenges. 

Here below is the summary of it, and these are my arguments for appeal and request for a fresh look at the case. 

On XX/XX/XXXX, the transactions were in XXXX ( XXXX ) and in XXXX ( XXXX ), but I was in XXXX, which is on the XXXX XXXX XXXX of XXXX And, those cities are far apart, so it is not possible to travel quickly and do the ATM Cash Withdrawals. 

On XX/XX/XXXX, I had already left XXXX on XXXX XXXX flight XXXX to XXXX very early in the morning, XXXX am departure and the ATM Cash Withdrawals took place much later in the day, So, once again, it would have been physically impossible for me to do the transactions. 
Copies of my XX/XX/XXXX boarding card and the XXXX 's XXXX XXXXl room rent bill in XXXX ( XX/XX/XXXX noon to XXXX at XXXX AM ) are attached. 

That leaves XXXX withdrawal on XX/XX/XXXX in XXXX and XXXX on XX/XX/XXXX in XXXX near XXXX. 
I was in those places, visiting, on those days, but I did not visit any ATMs anywhere. 

I might also add that the time gap between some of the transactions is only XXXX minute, but perhaps sufficient, let us say. 

I would also like to ask if there were surveillance cameras at those ATM locations and if so investigate what is recorded in them. 

Please let me know if you need any more details regarding my travels etc, I will be happy to supply. 

In summary, The ATM card was lost between its last legitimate use by me on XX/XX/XXXX in XXXX and XX/XX/XXXX in XXXX at XXXX, when I saw the many fraudulent transactions online, searched for the card believing it was with me, did not find it. 
The analysis and documents here prove that it would have been impossible for me to pull this off and do all those XXXX Withdrawals on those dates, times and places as indicated in the transaction details. 

I had not consciously checked for the card again after its last legitimate use by me on XX/XX/XXXX, I was just assuming that it was with me, along with a few other cards and money. The card was used by me and kept with me only. No other person had authorization to use it or take it or have possession of it. And, I do not have any suspect persons, parties or places where it may have been lost or stolen. So, the actual process of losing the card is unknown, but the card is LOST. And, thank you for sending a new one. 

Our many thanks for your further attention in this matter. 
Regards and Best wishes XXXX XXXX XXXX =========================== ATTACHMENT XXXX : BOARDING CARD AND HOTEL BILL XXXX ( XXXX ) .jpg ATTACHMENT XXXX : ( DETAILED ANALYSIS AND IMPOSSIBILITY PROVED IN EMAIL LETTER TO FAMILY ) From : XXXX XXXX XXXX XXXX Date : Fri, XX/XX/2022 at XXXX PM Subject : Analyzed as Impossible, but Citibank Refused XXXX Reimburse Fraudulent Transactions in XXXX XX/XX/XXXX, XXXX, XXXX, XXXX in XXXX, XXXX, XXXX To XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Cc : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Analyzed as Impossible, but Citibank Refused to Reimburse Fraudulent Transactions XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XXXX in XXXX, XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX dearest XXXX and XXXX, I have XXXX below and shown, that I, or any individual person, could not have made all those Cash withdrawal ATM transactions using my Citibank ATM debit card. 
It is physically impossible to travel between those ATMs in different cities, Also, anyway, I was not there, shown by plane boarding card and hotel room receipts. 

Citibank has written me a letter dated XX/XX/2022 saying that they will not reimburse the fraudulent transactions on my ATM debit card XXXX, and wrongly implying that i must have made the transactions myself, saying that the ATM debit card must have been with me, they also it is consistent with my normal banking activities. In their listing of those transactions they missed XXXX of the XXXX done on XX/XX/2022, they listed XXXX only instead of XXXX, others were there, XXXX on XX/XX/2022, XXXX on XX/XX/2022 and XXXX on XXXX and the associated foreign transaction fees charges. The total of all forty debits from my checking account XXXX was {$2700.00}. The full list is copy pasted here below at bottom, from my online accounts page... 

of course, when i reported the case on citi.com chat on XX/XX/XXXX, ( it is XXXX. XXXX helped me with that very nicely ), i had told them that the card was lost, as i am not finding it with me. Initially i had believed the card must be with me only. So I looked for it only after I discovered online from my accounts page that many fraudulent transactions were there, reporting it to citibank right away, on their website chat, after first trying on phone, but was unable to reach them. as my phone calls to them were not going through, getting cutoff in the middle. This was on XX/XX/XXXX after I returned to USA on XX/XX/XXXX, and I was in the hospital XX/XX/XXXX to XXXX because of the chest pain that happened in the plane on XX/XX/XXXX while returning from XXXX, came home from the hospital on XX/XX/XXXX evening. 

i did not have proper internet access while i was traveling in XXXX and i checked my citi accounts online on XX/XX/XXXX only. after returning to usa on XX/XX/XXXX. So, naturally, it took several days before i realized that my account had been sabotaged, much money stolen. There was one Fraud Alert email to me from Citibank on XX/XX/XXXX regarding ATM transaction {$140.00}. XXXX and I had replied right away that it was unauthorized and it had been declined. I was in XXXX at XXXX XXXX at the time. 

XXXX transactions, were on XX/XX/2022 that is on 2022 XX/XX/XXXX. I was in XXXX that day, having returned from XXXX on XX/XX/XXXX. I have the Indigo airlines flight boarding card and room rental receipt from XXXX XXXX in XXXX, fully proving that I was not in XXXX on XX/XX/XXXX. The total of those XXXX transactions with associated fees is $ ( XXXX + XXXX ) XXXX = {$1100.00}. And, further analysis here, of the transaction times, reveals important additional info. 

Of these XXXX transactions, XXXX were in ATM XXXX XXXX, XXXX XXXX XXXX, XXXX, at XXXX am. XXXX am. XXXX am XXXX, and there are XXXX transactions in XXXX at XXXX am, XXXX am, XXXX am. XXXX am and XXXX XXXX XXXX A closer look at the timing of these transactions indicates that it is physically impossible for any individual to do XXXX ATM transactions in XXXX starting at XXXX am, then go to XXXX to do XXXX ATM transactions starting at XXXX am, returning to XXXX to do the XXXX XXXX ATM cash withdrawal. The distance between XXXX and XXXX makes this impossible. This distance is about XXXX miles and flight time is about XXXX and a half hours. 

This actually proves that what are listed as XXXX XXXX ATM transactions were most likely done by sophisticated computer technology requiring in depth inside technology and were not at all physical ATM cash withdrawals by any individual person. It is physically impossible for any person to do these ATM cash withdrawals. And, Citibank thinks I did it myself.!!!! XXXX!!!! 

On XX/XX/XXXX we started very early, like XXXX am from our hotel room in XXXX. We ( me and friend XXXX XXXX XXXXs ) were staying at XXXX XXXX on XXXX XXXX XXXX XXXX, XXXX XXXX XXXX nearby. We went by taxi to XXXX XXXX and checked in our luggage about an hour or more before the XXXX XXXX flight XXXX departure time of XXXX ; XXXX am. The XXXX fraudulent transactions that day were made at XXXX am, XXXX am, XXXX am, XXXX am, XXXX am, XXXX am, XXXX am, XXXX am, XXXX am, XXXX am XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is XXXX and a half hours ahead of ET or XXXX, so all these transactions happened at non-Citi ATM in XXXX XXXX off XXXX, XXXX. So, they took place between XXXX am ( the first XXXX ) and XXXX pm ( the last one ). Our plane took off from XXXX airport at XXXX am as listed on the XXXX XXXX boarding card. So, I and my friend with me XXXX XXXX XXXX were not in XXXX when the XXXX fraudulent transactions happened on XX/XX/XXXX also. The total of these XXXX transactions and the associate fees is $ ( XXXX + XXXX ) x XXXX = {$1400.00} XXXX transaction was on XX/XX/2022 at XXXX XXXX XXXX = XXXX pm IST, at XXXX Onsite XXXX, XXXX, it is near XXXX, and was for {$130.00}, and {$4.00} fees = {$140.00} total We had visited XXXX ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX University ) that day, but I did not go to any ATM at all. 

XXXX transaction was on XX/XX/2022 at XXXX XXXX XXXX = XXXX pm IST at Beside XXXX XXXX XXXX, XXXX for {$69.00}, fees was {$2.00}, total {$71.00} We were in XXXX that day, but I did not go to any ATM at all. 

I was never at any ATM anywhere on those dates, and in XXXX while returning from XXXX by plane, although the plane had stopped in XXXX for an hour, we were made to sit inside the plane, and there was no possibility of me using an ATM in the city. Anyway, the XXXX transactions were on XX/XX/XXXX, and i was in XXXX from XX/XX/XXXX noon, including XX/XX/XXXX, as can be seen by the airline boarding card and hotel room rental bill The distance between XXXX and XXXX is about XXXX miles. 

So, I will write to Citibank with copies of the documents which help to show that I was not at those ATMs, and those transactions were in fact fraudulent, and my not being aware of them until many days later is not a fault or fraud or deceit. 

I am convinced that the hidden forces, XXXX XXXX ( with its external connections ), deep state, forces driven or influenced or manipulated by other agendas, has pulled this off for its own purposes, perhaps hoping to turn my suspicions towards the other specific individuals with me or individuals and parties i had dealt with during my travels in XXXX. 

But, of course, their plans have not succeeded, just like many times in the past, we being targeted, with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
and they failed all the time to deliver success to their powerful masters keeping them under their thumbs, in full control, so to say.. 
poor guys, paapa, they are helpless and frustrated, our sympathies .. ( as we continue )... 

We hope and pray for the best ... Best Wishes. XXXX ... 

Do XXXX. Take XXXX. All the XXXX. 
With lots of love from XXXX, XXXX and ALL appa/dad TOTAL = ( XXXX + XXXX ) X XXXX on XX/XX/XXXX + ( XXXX + XXXX ) XXXX on XX/XX/XXXX + ( XXXX + XXXX ) X XXXX on XX/XX/XXXX + ( XXXX + XXXX ) X XXXX on XX/XX/XXXX = XXXX x XXXX + XXXX x XXXX + XXXX + XXXX = XXXX + XXXX + XXXX + XXXX = XXXX = {$2700.00} TOTAL IS {$2700.00} FOR ALL XXXX TRANSACTIONS =============== Transaction History Results for : XX/XX/2022 to XX/XX/2022 Posted Date Description Debit Credit Available Balance XX/XX/2022 Cash Withdrawal XXXX # XXXX Non Citi ATM XXXX XXXX XXXX  XXXX - {$130.00} {$15000.00} XX/XX/2022 Foreign Transaction Fee XXXX XXXX XXXX XXXXXXXX XXXX - {$4.00} {$15000.00} XX/XX/2022 Cash Withdrawal XXXX # XXXX Non Citi ATM NO. XXXX, XXXX XXXX XXXX XXXXXXXX - {$130.00} {$15000.00} XX/XX/2022 Foreign Transaction Fee NO. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX - {$4.00} {$15000.00} XX/XX/2022 Cash Withdrawal XXXX # XXXX Non Citi ATM NO. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX - {$130.00} {$15000.00} XX/XX/2022 Foreign Transaction Fee NO. XXXX, XXXX XXXX XXXX XXXX XXXX - {$4.00} {$16000.00} XX/XX/2022 Cash Withdrawal XXXX # XXXX Non Citi ATM NO. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX - {$130.00} {$16000.00} XX/XX/2022 Foreign Transaction Fee NO. XXXX, XXXX XXXX XXXX XXXX XXXX - {$4.00} {$16000.00} XX/XX/2022 Cash Withdrawal XXXX # XXXX Non Citi XXXX XXXX XXXX XXXX  XXXX {$130.00} {$16000.00} XX/XX/2022 Foreign Transaction Fee XXXX XXXX XXXX XXXX - {$4.00} {$16000.00} XX/XX/2022 Cash Withdrawal XXXX # XXXX Non Citi ATM XXXX XXXX XXXX  - {$130.00} {$16000.00} XX/XX/2022 Foreign Transaction Fee XXXX XXXX XXXX XXXXXXXX XXXX {$4.00} {$16000.00} XX/XX/2022 Cash Withdrawal XXXX # XXXX Non Citi ATM XXXX XXXX XXXX - {$130.00} {$16000.00} XX/XX/2022 Foreign Transaction Fee XXXX XXXX XXXX  XXXX - {$4.00} {$16000.00} XX/XX/2022 Cash Withdrawal XXXX # XXXX Non Citi ATM XXXX XXXX XXXX - {$130.00} {$16000.00} XX/XX/2022 Foreign Transaction Fee XXXX XXXX XXXX  XXXX... 

[ XXXX clipped ] XXXX entire message

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation