I have a checking account at Citibank. When I wrote a check of {$1000.00} to XXXX XXXX for paying my rent ( for my wife, XXXX XXXX 's rent in XXXX ) on XX/XX/XXXX, somebody named XXXX XXXX, instead of XXXX XXXX, cashed the check to her own Citibank account by wiping out the recipient 's name ( XXXX XXXX ) and put her name on the check. Citibank did not look carefully for the payee authenticity and paid the money to that person ( XXXX XXXX ). 
I filed a clam to Citibank for {$1000.00} on XX/XX/XXXX. Citibank Representative in that office told me that the check was deposited in a Citibank account, i would be easy for them to find the theft since they videotaped every ATM transaction. They would open an investigation and pay me back in 3 months. But The denied my claim on XX/XX/XXXX using the reason that I did not report the case within 30 days from the incident happening. 
If the consumer put his money in that bank and the bank can not make sure that the written check is going to pay the person the account owner put on, there is no safety the bank can provide to the consumer. Citibank only allow 30 days to claim the loss from money theft. That time is too short and consumer can not find out what has happen in such a short time period. The unpaid rent to XXXX XXXX caused a lot of troubles to my whole family including the damage to my wife 's credit record and we are the innocent victims of the bank money stealing. 
