On XXXX XXXX, 2015, someone withdrew {$1000.00} from my Citibank account at an ATM. It was XXXX withdrawal of {$500.00}, XXXX of {$200.00}, and XXXX of {$100.00}, all within about XXXX minutes. I did not make the withdrawals, nor did my sister, who is my joint account holder. We discovered the withdrawals the next day and made a fraud report. The withdrawals were done using my ATM card number and PIN, but I had the card with me at all times. I believe someone created a counterfeit card from skimming my information from, most likely, a gas-pump card reader. Or perhaps it was an inside job. Citibank made an investigation and informed me XXXX XXXX that my case had been " resolved '' -- they told me the money would not be restored because I had the card in my possession and because the activity was " consistent '' with my normal banking activity, which I can assure you it is not. I appealed and they reopened the case ; at this time I also made a police report. Citibank then informed me XXXX XXXX that the case had been " resolved '' again, and stood by its original decision not to restore the money. I appealed again, but was told XXXX XXXX, XXXX more, that the money would not be restored. 
