I signed up for the Citibank Everything Counts account while I was a student. It was a great plan! Gave me free checks at no cost to me and I can still order free checks, even post-graduation. ATMs are worldwide; I was able to access my account in China. Money transfers are easy, online and at the ATM. Highly recommended service.
My first contact with Citibank at Spectrum Center was a pleasant experience. Living in West Africa, I have often inter-acted with the bank on the phone, and found the staff to be courteous and helpful.
However, calling the bank from abroad and sorting out problems can be quite a nerve-racking experiment: You are put on hold for very long time, and shifted from one official to another. This can prove frustrating, especially considering that from West Africa, for instance, there is no using free call numbers.
I have an account (premier) with citibank in Budapest, Hungary. I went travelling in the countryside by car, and received a text message informing me that my debit/mastercard had been blocked. So, I call and I am told that my card has been found in another part of the country. No, It is impossible because it is in my hand.
No it is not, I am told.
Naturally, I request that they ask me further security questions, including my passport number, but they refuse?
This continued for 3 days and I had to spend 2 nights sleeping in my car with little food and water. I hadn't enough petrol to get to a town where there was a branch and no more telephone credit????
Fortunately, a friend called me and put credit on my phone. 3 insane calls later someone, somehow decided to reactivate my card.
After returning to Budapest, I have made an official complaint and received a reply apologising, and stating that it was due to human error.
"If you have any documentation in connection with claim for damages please send that to" bla bla bla.......
Of course I incurred no costs, I was denied access to my money!
But I did have an extremely traumatic experience being homeless and impoverished which they are "sorry" for.
Is this not illegal?????? If I refused to give you money which you could prove belonged to you, isn't that a temporary theft?
I have an audio copy of all telephone conversations from them.
Any legal advice would be much appreciated.