Surprisingly good customer service
Ok so several months ago I noticed a couple of charges on my Citibank checking account that I didn’t make. I sat there dumbfounded for a minute before I began to frantically search for my debit card which was no where to be found. It was pretty obvious the charges weren’t mine as I was only using the account to pay a bill per month to get points in their thank you program. In fact, I had don’t even remember carrying it in my wallet. One was a restaurant purchase for over $100. I’ve never spent that much at any restaurant and I’ve never even been to the one in question. Anyway, I didn’t notice until almost a month after the charge and then called them up. I figured I was out of luck because of the time lag. When I called I was quickly transfered to a very nice lady who sounded like she had done this before.
They closed the current card and sent me another one. They also credited me the full amount on the charges immediately pending an “investigation” into the charges. Well I recently got a letter from them saying they had credited my account after investigating the charges. Guess that was their way of saying they determined it was really stolen. I was actually surprised at how quickly everything was worked out. I was expecting to be liable for the first $50 as I had read that somewhere in the past but they completely credited me. I almost felt bad as I know I am not that profitable of a customer. Well, almost hah. Moral of the story? Well, you should be careful where you place your debit card because you never know who might decide to go use it.