Dear Citibank:
I am a Citigold customer as well as having my mortgage through Citibank. I pay Citibank about $1500 in interest payments per month.
I thought that I would give a final report on the series of unfortunate events that occurred between Sunday, June 28, 2009 and Thursday, July 30, 2009.
Sunday, June 28- In the small town of Rostov Velliky, Russia I discovered that I lost my Citibank Bank Card. The next day, I tried to obtain a cash advance from the only two banks in the city and was not successful.
Monday, June 29- I took a train to the larger town of Yaroslavl, Russia. I found an Internet Café where I confirmed that no money had been fraudulently removed from my account. I notified Citibank of the loss of my card and asked that a replacement card be sent to me care of my hotel in Kostroma. I also tried to call the emergency number as well as the Sebastopol, California office of Citibank.
Tuesday through Thursday, June 30- July 2- I send multiple emails to Citibank informing them that I am not able to call the emergency number. I receive replies that tell me that they are unable to help me with my problem.
Friday, July 3- Kostroma, Russia: With the help of my Russian friend in Kostroma, after refusals by five banks, Gasprom Bank agrees to give me a cash advance of 20,000 rubles.
Saturday, July 4- Kostroma, Russia: All competent Citibank employees appear to be on an extended Independence Day weekend holiday. My banker, Ron Sparrow is on holiday. I send an email to Marisol. I also email Citibank with an open letter that I have published on my blog.
Monday, July 6- Vladimir, Russia: My son offers to send me some money by way of Western Union. He also informs my wife of my plight. I receive the first coherent letter from a Citibank employee with profuse apologies. Citibank is unable for some reason to send a replacement card overseas. She gives me a phone number to call. I am unable to successfully connect to this number.
Wednesday, July 8- Moscow, Russia: I go to a Citibank on the Arbat. One of the bankers speaks very good English but says that he is unable to help me. Accounts in Russia and the United States are not connected. He says they really work as separate banks.
Thursday, July 9- Moscow, Russia: I still am unable to successfully connect to Citibank. Every time I call the number a recording tell me to enter my account number and various other pieces of information. I am left with no money on my phone card and no successful connection to Citibank. I use up 2000 rubles ($63) trying to call. My wife, Donna, sends me $500 through Western Union.
Saturday, July 11- Moscow, Russia: This evening I receive an email from Citibank that says that I can get cash from my account if the banker calls a particular phone number in the United States. My train leaves for Riga, Latvia today. I can find no Citibank until I arrive in Prague, Czech Republic.
Monday, July 13- Krakow, Poland: Citibank email informs me that since I cannot call them, they will try to call me. I give them my cell phone number. It is a Russian cell phone number. Apparently they try to call me several times and are unsuccessful. They inform me by email that they are giving up trying to call.
Thursday, July 16- Prague, Czech Republic: I go to the Citibank and they are very kind. I meet with a banker who speaks good English. I give him the phone number to connect with the office in the United States. It takes us over an hour to get $500 in emergency cash from my account. The agent in the United States constantly tells me that the bank does not want to give me the money. He says that he is on night shift, I imagine as some excuse. He says that these transactions are risky operations. He asks for many many confirmations: social security number, bank card number, bank card pin, mother’s maiden name, place of birth, date of birth, California Driver’s license number, etc. Finally through the patience of both of us, I receive $500.
Tuesday, July 21- Sebastopol, California: I go to my local bank. Marisol informs me that fourth of July weekend was difficult for her. She says that Ron was away and she must have received a hundred emails that week. I assume that she never opened mine. She says that my permanent card will arrive on Friday, July 24. In a few minutes I am issued a temporary replacement card. I use it in the grocery store an hour later and it is “denied”.
Monday, July 27- I go to the my Sebastopol Citibank and ask them if the card has arrived. There is a problem. I also tell them that my temporary card does not work. Marisol tries to issue me another and then says that it is a problem with her computer. She hands me over to another agent, who goes through all of the bells and whistles to issue me a new card. I ask for a temporary card in the mean time. He says that he is afraid that it will interfere with the issue of my permanent card. We exchange goodbyes. “Thank you, Eric.”, he says.
Wednesday, July 29- Marisol gives me my permanent Citicard Gold Card. She says that it is ready to go because I have made it operational on her machine. I go outside and check it on the bank’s ATM. It doesn’t work. In fact after trying to use it, the ATM shows a large “fix me” icon (wrench and screwdriver). I come in and Marisol insists that it will work if I use it at any other store or ATM. I go to another grocery store and again the card is “denied”.
Thursday, July 30- I am at Costco in Santa Rosa. I call Citibank’s toll free number. Justine helps me. After verifying my identity he tells me why it won’t work and says that he can fix it. After that I try it at Costco. It works! Finally.
Sincerely,
Edward Lynch
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