Path: utzoo!utgpu!news-server.csri.toronto.edu!rutgers!usc!srhqla!quad1!ttidca!philabs!mii
From: mii@philabs.philips.com (Melik I. Isbara)
Newsgroups: comp.misc
Subject: Citibank, ATM, electronic transactions
Message-ID: <103481@philabs.Philips.Com>
Date: 11 Jul 90 20:00:02 GMT
Sender: news@philabs.Philips.Com
Distribution: usa
Organization: Philips Laboratories, Briarcliff Manor, NY
Lines: 50

I have tried to post the following article previously but I think I was
unsuccessful in doing that because it did not appear in the news groups
where I sent it. So I am posting it again. If it already appeared 
I apologize for that.
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I am posting this article to inform the netters about a problem with
Citibank ATM machines and to ask for any information and suggestions.
Please bear with me.

When I received my last bank statement, I have noticed three transactions
in which $900 dollars were withdrawn from my accounts from a Citibank
ATM machine at a downtown NYC branch which I have never used. 
($900 were withdrawn in three transactions.)

FACTS:
	1.  I did not do those transactions.
	2.  When they took place I was at work out of NYC.
	3.  I did not lose my bankcard or give it to anyone.
	4.  I did not write down my password or tell it to anyone.

After I received my statement I went to my branch and talked to a customer
representative.  After a couple of days I got two letters from Citibank
saying that results of their investigation (which consists only of looking
at the ATM machine records for those specific transactions) showed that
for those transactions my bankcard and my password were used therefore
they could not honor my claim.

Now my guess is that this is most probably a software problem because last 
weekend I went to the branch where money was withdrawn and there was a sign 
on the door saying that the ATM machines there were out of order. I also
learned that they have been out of order for about a week.

I am going to take a legal action against to Citibank therefore
I would like to know if anybody is aware of a similar situation or if anyone
has any ideas on how this might have happened.  I would appreciate any 
information and suggestions that can help me to fight Citibank to recover my 
money and to explain how this event might have happened.

Please e-mail to 
		  mii@briar.philips.com
		  isbara@cs.columbia.edu 
Thanks in advance.

Melik Isbara
Columbia University
Dept. of Electrical Eng.
NY, NY 10027
*****************************************************
Disclaimer: My employer is not responsible for the content of the article
posted above.