For all of Citibank's faults, they can be pretty amazing sometimes!

Yes, I know there are countless reasons to bash Citibank, but this was a shocker.

I was paying bills online yesterday afternoon and noticed a "fraud alert" on one of my Citibank cards. I called to find out what it was. They had flagged a charge from the U.K. (didn't pay it). It was nothing I recognized, so I agreed that they should cancel the account number and issue new cards with a new number. I was concerned because the bill is due on the 29th and I didn't want to be late. Despite assuring me that there would be no late charge if the new card didn't show up on time, the representative said he would waive the fee for urgent processing and I should receive the cards by Wednesday.

They showed up by UPS overnight about 15 minutes ago. That's pretty damn impressive!

Citibank does their job and alerts you to a fraud. Then, when you need new cards, they waive the fee that it normally would cost YOU to get your cards in a quick manner? Bullshit. They should send the cards quickly, and for free. They are no gallant knights for waiving a fee that they shouldn't be charging you in the first place. I don't know about you, but if I don't have my debit card, it's an urgent matter, and I'm sure it is the same way for most people. They are allholes to charge you a fee for "urgent processing" in the first place.

Their efficiency isn't what's usually called to question. It's their motives.

This observer remains profoundly skeptical of big banks' motives in the American marketplace.

why would you post such fluff? UNRECOMMENDED!

You are not responsible for fraudulent charges on your card. It is in their best interest to identify fraudulent charges and cancel the cards since they are on the hook for the charges not you.

You should probably read up on your rights, what little you have in concerned with the credit card industry.

That a lot of the fraudulent charges do not originate in someone stealing your data from you, they result from someone stealing your data from them. This has increased ever since the big banks have outsourced a great deal of their operations to India, the Philippines, and the Caribbean and paid their workers there nothing.

There have been crime syndicates in those countries that have hired employees to supply them with Account Holders information. The fact the charge was in England makes me lean you were the victim (well Citibank was the victim) of a group operating internationally.

I know, they took bailout money and that's repulsive. But I had a checkbook stolen 5 years ago and BofA was great about it. I was on vacation 1000 miles from home and discovered I had no money in the bank. So I called BofA and within 20 minutes, every penny had been put back in my account.

I had a friend who had the same thing happen to her and she had to wait 30 days for her bank to investigate before she got her money back.