Citibank NRI customer service representatives, each one of them have great moronic ego, stupidest and least IQ in the world, got hired to handle their customer requests. Calling Citibank NRI customer service representatives, takes no responsibility in handling the task. Each one of them have some western names, disguising their true Indian names, there itself it feels like total fraudulent organization. When you ask they say their name some Tom, and you give all your details, argue with them for an hour, they pretend to know all and can not do anything, and will not transfer to anyone there with knowledge of the stupidest systems they are running business. Upon insistence <very hard> eventually they will transfer to some another guy with fake name, and the story repeats.

Try calling them again and esquire about the guy you give all your account information and names they you got from your previous call, you will find they guy never existed in their system. now go figure.

I have no idea who gave Citibank permission to operate in US, hope someone monitor their operations.