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	<title>Comments on: Reward Credit Cards &#8211; What&#8217;s in My Wallet?</title>
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	<description>personal finance tips, tricks, and commentary</description>
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		<title>By: Damari</title>
		<link>http://www.fivecentnickel.com/2006/11/15/reward-credit-cards/comment-page-1/#comment-89937</link>
		<dc:creator>Damari</dc:creator>
		<pubDate>Sun, 07 Oct 2007 11:11:15 +0000</pubDate>
		<guid isPermaLink="false">http://www.fivecentnickel.com/2006/11/15/reward-credit-cards/#comment-89937</guid>
		<description>To whom it may concern,                            10/03/2007

A CRY FOR HELP

Please help the little person fight corporate America and their lies and false statements

On, Feb. 16, 2006 someone representing Citigroup Inc at One Court Square, 14th Floor, Long Island City, NY 11120, submitted a rebuttal to Ann Luekeman, Consultant for the Department of Fair Employment and Housing at 111 N Market Street, Suite 810, San Jose Ca 95112, and the statement entered is false and full of lies . Ann Luekeman also conducted the interviews for the investigation and was also lied to by Jeff Ursino and Kathleen Munoz during their interviews. I feel that the case needs to be investigated due to the fact that the DFEH made their decision with false statements submitted by Citigroup attorney and their employees. Sheri Paulo, the Employee Relations director for Citigroup was aware of the false information submitted yet even though they/she said they would submit a new statement they did not and stood by the lies knowing they were lies. I was wrongfully termination, harassed, by Jeff Ursino, and I can’t understand how an attorney lies to the DFEH and then they aren’t held accountable. This is unethical behavior on all those whom lied and I have to pay for their lies. Citigroup violated several Ca labor codes in the process of firing me nor did Citibank follow their own firing procedures. I was not offered FMLA until months later.
I am begging that someone out there will help a mother who was simply trying to work be a mom and a wife making a honest living yet the manager and supervisor both lied as well as the Citigroup lawyers. Their lawyers requested more time to answer the DFEH yet submitted false information and this is unethical, please help us. I have been on disability since I was fired on 12/13/05 via UPS, I did not know I had lost my job until 12/15/05 because I was out on a workers comp pending case when I was fired. Violation 132A.My last pay check was direct deposited into my checking account, it was not included with my letter of termination. I would like to know who submitted these false statements  for Citicorp and or Citibank and Citigroup. I don’t have a team of attorneys as they do or the funds to hire the right attorney to get to the truth. Please help us.

Sincerely,




Damari Stratford
1291 Ord Grove Ave
Seaside, Ca 93955
831-236-0112</description>
		<content:encoded><![CDATA[<p>To whom it may concern,                            10/03/2007</p>
<p>A CRY FOR HELP</p>
<p>Please help the little person fight corporate America and their lies and false statements</p>
<p>On, Feb. 16, 2006 someone representing Citigroup Inc at One Court Square, 14th Floor, Long Island City, NY 11120, submitted a rebuttal to Ann Luekeman, Consultant for the Department of Fair Employment and Housing at 111 N Market Street, Suite 810, San Jose Ca 95112, and the statement entered is false and full of lies . Ann Luekeman also conducted the interviews for the investigation and was also lied to by Jeff Ursino and Kathleen Munoz during their interviews. I feel that the case needs to be investigated due to the fact that the DFEH made their decision with false statements submitted by Citigroup attorney and their employees. Sheri Paulo, the Employee Relations director for Citigroup was aware of the false information submitted yet even though they/she said they would submit a new statement they did not and stood by the lies knowing they were lies. I was wrongfully termination, harassed, by Jeff Ursino, and I can’t understand how an attorney lies to the DFEH and then they aren’t held accountable. This is unethical behavior on all those whom lied and I have to pay for their lies. Citigroup violated several Ca labor codes in the process of firing me nor did Citibank follow their own firing procedures. I was not offered FMLA until months later.<br />
I am begging that someone out there will help a mother who was simply trying to work be a mom and a wife making a honest living yet the manager and supervisor both lied as well as the Citigroup lawyers. Their lawyers requested more time to answer the DFEH yet submitted false information and this is unethical, please help us. I have been on disability since I was fired on 12/13/05 via UPS, I did not know I had lost my job until 12/15/05 because I was out on a workers comp pending case when I was fired. Violation 132A.My last pay check was direct deposited into my checking account, it was not included with my letter of termination. I would like to know who submitted these false statements  for Citicorp and or Citibank and Citigroup. I don’t have a team of attorneys as they do or the funds to hire the right attorney to get to the truth. Please help us.</p>
<p>Sincerely,</p>
<p>Damari Stratford<br />
1291 Ord Grove Ave<br />
Seaside, Ca 93955<br />
831-236-0112</p>
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		<title>By: Jim Mulligan</title>
		<link>http://www.fivecentnickel.com/2006/11/15/reward-credit-cards/comment-page-1/#comment-78046</link>
		<dc:creator>Jim Mulligan</dc:creator>
		<pubDate>Sat, 09 Jun 2007 23:27:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.fivecentnickel.com/2006/11/15/reward-credit-cards/#comment-78046</guid>
		<description>Question: Am I correct that there are no longer any cards that offer 5%+ cash back reward (permanently) on supermarkets?

Discover rewards change by category 4X per year, and I do not believe that &quot;supermarkets&quot; are a category.

Citi Drivers Edge is 6% for only 12 mths-so, not permanent. Then drops to 3% thereafter. Reward is not in cash, but has to be used at certain retailers. I will bet Citi cuts the 3% to 2% before another 12 mths passes.</description>
		<content:encoded><![CDATA[<p>Question: Am I correct that there are no longer any cards that offer 5%+ cash back reward (permanently) on supermarkets?</p>
<p>Discover rewards change by category 4X per year, and I do not believe that &#8220;supermarkets&#8221; are a category.</p>
<p>Citi Drivers Edge is 6% for only 12 mths-so, not permanent. Then drops to 3% thereafter. Reward is not in cash, but has to be used at certain retailers. I will bet Citi cuts the 3% to 2% before another 12 mths passes.</p>
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		<title>By: Jim Mulligan</title>
		<link>http://www.fivecentnickel.com/2006/11/15/reward-credit-cards/comment-page-1/#comment-78045</link>
		<dc:creator>Jim Mulligan</dc:creator>
		<pubDate>Sat, 09 Jun 2007 23:15:35 +0000</pubDate>
		<guid isPermaLink="false">http://www.fivecentnickel.com/2006/11/15/reward-credit-cards/#comment-78045</guid>
		<description>I just received a letter that my Citi Dividend card drops from 5% to 2% on July 14. Several years ago Citi cancelled my AT&amp;T Universal card with no renewal option and I lost my accumulated reward(I was a charter member of AT&amp;T Universal). I think Citi just bought for mailing list and did not want to continue rewards.
What I don&#039;t like about Citi Drivers Edge is that you cannot get a cash refund. My Dividend card was converted from Drivers Edge before they had rewards. I have to keep using Citi Dividend until the 2% reward reaches $50, or I will never get my $50. 
I hate giving any business to Citi, because they keep changing the deals. Here is hoping somebody other than Citi offers better deals.
I use Chase Freedom 1% for all else, and Shell 5% for gas; these both do not have a history of cancelling deals like Citi does.</description>
		<content:encoded><![CDATA[<p>I just received a letter that my Citi Dividend card drops from 5% to 2% on July 14. Several years ago Citi cancelled my AT&amp;T Universal card with no renewal option and I lost my accumulated reward(I was a charter member of AT&amp;T Universal). I think Citi just bought for mailing list and did not want to continue rewards.<br />
What I don&#8217;t like about Citi Drivers Edge is that you cannot get a cash refund. My Dividend card was converted from Drivers Edge before they had rewards. I have to keep using Citi Dividend until the 2% reward reaches $50, or I will never get my $50.<br />
I hate giving any business to Citi, because they keep changing the deals. Here is hoping somebody other than Citi offers better deals.<br />
I use Chase Freedom 1% for all else, and Shell 5% for gas; these both do not have a history of cancelling deals like Citi does.</p>
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		<title>By: DAMARI</title>
		<link>http://www.fivecentnickel.com/2006/11/15/reward-credit-cards/comment-page-1/#comment-47291</link>
		<dc:creator>DAMARI</dc:creator>
		<pubDate>Sat, 09 Dec 2006 13:32:41 +0000</pubDate>
		<guid isPermaLink="false">http://www.fivecentnickel.com/2006/11/15/reward-credit-cards/#comment-47291</guid>
		<description>Thank you for all the comments, good, bad and indifferent.For those of you whom I upset I am very sorry. It has now been about a year and things are moving along, yes I have had some, alot of therapy, this hit me hard but we are moving on. I have 2 attorneys dealing with this. I admitt that I had alot to learn and I have learned that we really don&#039;t matter to corporate America it really is just about profits. My fight is not just for me but for all those wrongfully treated by corporate America. I didn&#039;t realize that all caps was so offensive, sorry to that one. Life is all about learning and this was a very hard lesson for us. Again, sorry if I offended anyone I am getting better now. As far as the manager goes, he will just have to live with what he has done and I wish him and his family the best hoping that no one ever treats them as he did us. God Bless Us All</description>
		<content:encoded><![CDATA[<p>Thank you for all the comments, good, bad and indifferent.For those of you whom I upset I am very sorry. It has now been about a year and things are moving along, yes I have had some, alot of therapy, this hit me hard but we are moving on. I have 2 attorneys dealing with this. I admitt that I had alot to learn and I have learned that we really don&#8217;t matter to corporate America it really is just about profits. My fight is not just for me but for all those wrongfully treated by corporate America. I didn&#8217;t realize that all caps was so offensive, sorry to that one. Life is all about learning and this was a very hard lesson for us. Again, sorry if I offended anyone I am getting better now. As far as the manager goes, he will just have to live with what he has done and I wish him and his family the best hoping that no one ever treats them as he did us. God Bless Us All</p>
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		<title>By: Rambling News</title>
		<link>http://www.fivecentnickel.com/2006/11/15/reward-credit-cards/comment-page-1/#comment-46866</link>
		<dc:creator>Rambling News</dc:creator>
		<pubDate>Fri, 08 Dec 2006 00:31:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.fivecentnickel.com/2006/11/15/reward-credit-cards/#comment-46866</guid>
		<description>Since you have a Citi Bank Platinum Dividends Card, you should also look into adding on the Merchants Network through Citi Bank.  It&#039;s free, and they offer somewhere around 1-7% cash back on online stores, retail stores, travel sites, etc.  The best part is if you make purchases from those places, the cash back is unlimited, which means it doesn&#039;t count to your $300 limit...you can earn as much as you want.  Just another way of expanding your cash back with the same card.</description>
		<content:encoded><![CDATA[<p>Since you have a Citi Bank Platinum Dividends Card, you should also look into adding on the Merchants Network through Citi Bank.  It&#8217;s free, and they offer somewhere around 1-7% cash back on online stores, retail stores, travel sites, etc.  The best part is if you make purchases from those places, the cash back is unlimited, which means it doesn&#8217;t count to your $300 limit&#8230;you can earn as much as you want.  Just another way of expanding your cash back with the same card.</p>
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		<title>By: Credit Cards PI</title>
		<link>http://www.fivecentnickel.com/2006/11/15/reward-credit-cards/comment-page-1/#comment-46496</link>
		<dc:creator>Credit Cards PI</dc:creator>
		<pubDate>Thu, 07 Dec 2006 01:40:30 +0000</pubDate>
		<guid isPermaLink="false">http://www.fivecentnickel.com/2006/11/15/reward-credit-cards/#comment-46496</guid>
		<description>Unfortunately, the Citi Dividend card lowered it?s cash back reward from 5% to 2%. This was a major blow; especially for existing card holders who suddenly had their program terms changed.

In my opinion, the 2 best offers left are the AMEX Blue Cash and Discover Platinum cards. Both still offer 5% cash back with unlimited rewards. But if you want a Visa or Mastercard, you?ll have to stick with the Dividend card, or possibly the Chase Freedom card.</description>
		<content:encoded><![CDATA[<p>Unfortunately, the Citi Dividend card lowered it?s cash back reward from 5% to 2%. This was a major blow; especially for existing card holders who suddenly had their program terms changed.</p>
<p>In my opinion, the 2 best offers left are the AMEX Blue Cash and Discover Platinum cards. Both still offer 5% cash back with unlimited rewards. But if you want a Visa or Mastercard, you?ll have to stick with the Dividend card, or possibly the Chase Freedom card.</p>
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		<title>By: DAMARI</title>
		<link>http://www.fivecentnickel.com/2006/11/15/reward-credit-cards/comment-page-1/#comment-40587</link>
		<dc:creator>DAMARI</dc:creator>
		<pubDate>Thu, 23 Nov 2006 14:34:09 +0000</pubDate>
		<guid isPermaLink="false">http://www.fivecentnickel.com/2006/11/15/reward-credit-cards/#comment-40587</guid>
		<description>WHAT ABOUT CITIBANK ETHICS AND THE LIES THEY TELL
 
ALL I WAS TRYING TO DO WAS PUT MY DAUGHTER FIRST
HOW DID CITIGROUP MAKE THE LIST OF THE 100 BEST COMPANIES FOR WORKING MOTHERS TO WORK AT??????
MOTHER FIRED VIA UPS 13 DAYS BEFORE CHRISTMAS AND STILL CITIBANK LIES TO CLIENTS ABOUT WHAT THEY DID
IF YOU RECEIVE THIS A SECOND TIME I AM SORRY
ALSO FEEL FREE TO POST AND FORWARD OUR STORY TO ANYONE YOU THINK COULD HELP US, THANKS
 
Corporate America needs to be kinder to their employees. The Citibank manager did not follow policy and guidelines for terminating an employee and also violated Ca. Labor codes., I feel that Jeff Ursino fired me because he just did not like me.He harassed me and made up rules as he went along, he over looked other employees actions and was on a war path to get me out of there.What kind of man fires you while you are at home ill and calls to see if you are coming into work although he had my doctors note in hand? A very weak man. Jeff Ursino even used another employees name on the UPS envelope address label as if someone else was sending me this letter of termination, that is weak. If he was so sure about what he was doing why not put your own name on the envelope?   If he had followed the guidelines I would feel better but he was just out to prove that he was the &#039;man&#039; in charged. He was not equal and fair and I will not stop until I get justice, justice for me and all those wrongfully terminated for all the wrong reasons and who are afraid to go up against Corporate America.
Thank you for your time and suggestion, I have already contacted US labor dept, EEOC, DFEH, Office of Thrift Supervision, Office of Currency, just about every Senator, Ca. Governor and so much more. Someone has to stand up and I guess that someone is me. 
 
 
ON SATURDAY I RECEIVED A LETTER FROM CITIGROUP THANKING ME FOR MY FIVE YEARS OF SERVICE YET THEY JUST EXPLAINED TO THE DFEH WHY THEY FIRED ME
PLEASE HELP US GET TO THE TRUTH
GETTTING THIS LETTER WAS VERY DISTURBING SINCE I FEEL I WAS WRONGFULLY TERMINATED
I HAD NO PLANS TO LEAVE CITIBANK IN CARMEL 
THE LETTER EVEN STATES  TO ANOTHER 5 YEARS BUT THEY FIRED ME!!!!!
A FEW DAYS LATER I RECEIVE ANOTHER LETTER CONFIRMING THAT I WAS FIRED!
HOW MESSED UP IS CITIGROUP??
  
Subject: IS IT LEGAL TO LIE TO THE DFEH &amp; US DEPT OF LABOR? CITIGROUP DID &amp; THEY LIE TO CLIENTS IN CARMEL PLEASE READ THIS LETTER SENT TO THE MONTEREY HERALD
The Monterey County Herald                             
                    Attn: Herald Executive Editor, Carolina Garcia                                               
                    Monterey, CA 93940                                     
                    cgarcia@montereyherald.com                             
                    (831) 646-4306
                     Ms. Garcia,                                            
                       I have attempted through several sources to clarify my 
                    position regarding my unfair treatment by my previous  
                    employer, Citibank. I had no previous plans to leave   
                    my position as Head Teller at the Citibank branch in   
                    Carmel. After 4 years of employment with the company,  
                    the unfair and unequal treatment of employees led to   
                    medically supervised work-related stress. The manager  
                    of the branch then accused me of job abandonment which 
                    led to my termination via UPS delivery on December 15, 
                    2005, while I was at home on medical leave.            
                                                                           
                    Subsequent to my termination, I received numerous      
                    correspondences that referenced me as terminated, no   
                    longer with the company, and as a former employee. My  
                    401K and pension have both been forwarded to me.       
                    However, when interviewed by the Department of Fair    
                    Employment and Housing, Citibank representatives       
                    reported that I was terminated due to not personally   
                    reporting my absence, but rather having medical        
                    documentation reported by my physician. When           
                    interviewed by the U. S. Department Wage and Hours     
                    Division, Citibank representatives reported on August  
                    8, 2006, that I was still an employee of the company   
                    and that a letter indicating such would be forwarded   
                    to me. To date, this letter has not been received.     
                                                                           
                    I have continued to be in contact with several clients 
                    that have stated that Citibank representatives         
                    indicated that I was either on vacation, or that I     
                    voluntarily resigned in order to work with my husband  
                    in his new business. This is absolutely untrue. It was 
                    my intention to continue my employment as the benefits 
                    were extremely important to me, as well as to my       
                    family.                                                
                                                                           
                    Clearly, there has been a gross misrepresentation by   
                    Citibank, either to its clients or to the U. S.        
                    Department Wage and Hours Division. It is my position  
                    that I was unfairly terminated by Citibank. The        
                    unscrupulous behavior of Citibank and its              
                    representatives, locally and at the corporate level,   
                    is unacceptable.                                       
                                                                           
                    It is also my opinion that if a corporation as large   
                    as Citibank is representing itself on a local level,   
                    the local management and staff should act accordingly. 
                    A large part of the attraction of the Monterey area is 
                    the sense of community that is felt here on a day to   
                    day basis. If Citibank is allowed to misrepresent its  
                    actions to clients and government agencies, where will 
                    the corporate takeover end?   
                     SINCERELY                                                
                                                                                              
                    Damari Stratford                                       
                    dcsbears@aol.com   
                     1291 ORD GROVE AVE, SEASIDE  CA 93955
                      831-583-9077
                                      Subject: Re: Your message to the governor was received 
                    THE GOVERNOR HAS WRITTEN ME TWICE AND SAID HE WOULD    
                    HELP,, CITIBANK HAS LIED TO THE DFEH AND US LABOR DEPT 
                    WAGE AND HOUR DIVISION AND TO THEIR CLIENTS ABOUT MY   
                    STATUS, I NEED HELP, HOW CAN I FIGHT WHEN THIS         
                    CORPORATION IS TELLING LIES AND HAS ALL THE LAWYERS    
                    THEY NEED AND I CAN&#039;T AFFORD ONE. HOW MANY TIMES ARE   
                    THEY GOING TO GET AWAY WITH MISTREATING EMPLOYEES      
                    ON 8/8/06 RONAN FROM THE US DEPT OF LABOR WAS TOLD BY  
                    A CITIBANK ATTORNEY THAT THEY WOULD SEND ME A LETTER   
                    EXPLAINING MY STATUS AS STILL AN EMPLOYEE, I HAVE YET  
                    TO GET THIS LETTER, HOW LONG DOES IT TAKE TO PUT A     
                    LETTER TOGETHER IF THEY ARE TELLING THE TRUTH?         
                    YOUR OFFICE AS WELL AS THE FIRST LADY&#039;S OFFICE HAS     
                    CALLED ME BUT WE AREN&#039;T GETTING ANYWHERE. IT HAS BEEN  
                    7 MONTHS SINCE I FIRST WROTE THE GOVERNOR. CITIBANK    
                    ATTORNEYS HAVE CANCELLED 2 DEPOSITIONS AT THE LAST     
                    MINUTE THE LAST INE THEY CANCELLED WAS AFTER TALKING   
                    TO THE US LABOR DEPARTMENT,WHY?                        
                    MY JOB WAS VERY IMPORTANT TO MY FAMILY AND I PLEASE    
                    HELP ME AND MY FAMILY AND ALL THOSE BEFORE ME THAT     
                    HAVE BEEN WRONGFULLY TERMINATED BY CITIBANK FOR NO     
                    GOOD REASON                                            
                    WHY IS EVERYONE SO AFRAID OF CITIGROUP? WHY CAN&#039;T I    
                    FIND AN ATTORNEY WILLING TO STAND UP TO THEM ON A      
                    CONTINGENCY BASIS? I VOTED FOR THE GOVERNOR AND I NEED 
                    HIM NOW                                                
                    PLEASE CALL ANN FROM THE DFEH AT 408-277-1916 THEY     
                    TOLD HER THAT I HAD CALLED IN ILL ON 11/15/05 AND THAT 
                    I TOLD THEM I WOULDN&#039;T BE IN, THIS IS A LIE I WORKED   
                    THAT DAY AND I CAN PROVE THIS WITH MY IME CARD, THEN   
                    THEY SAY THEY MADE AN ERROR                            
                    PLEASE CALL RONAN AT 415-744-5590 EXT 226 FROM THE US  
                    LABOR DEPT TO VERIFY WHAT CITIBANK ATTORNEYS SAID. THE 
                    ONLY REASON THEY OFFERED ME FMLA IS BECAUSE I FILED    
                    FOR DISABILITY, BEFORE THAT THEY HAD PAID OUT MY FINAL 
                    PAYCHECK, FIRED ME VIA UPS, SENT ME COBRA INFORMATION. 
                    PLEASE HELP US PLEASE SEE THAT THE GOVERNOR GETS THIS  
                    EMAIL AND ASK HIM TO MAKE A CALL ON MY BEHALF          
                    CORPORATE AMERICA NEEDS TO TAKE BETTER CARE OF THEIR   
                    GOOD EMPLOYEES AND NOT ALLOW A MANAGER WITH BAD SKILLS 
                    TO FIRE SOMEONE JUST BECAUSE HE WANTS TO               
                    SINCERELY DAMARI STARTFROD                             
                    MOTHER WIFE HUMAN BEING AND I VOTED FOR THE GOVERNOR   
                    I MATTER TOO!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!                                                           
                    CITIBANK IN CARMEL LIES TO CLIENTS ABOUT WHY I AM NOT  
                    THERE. THEY TELL PEOPLE THAT I AM ON VACATION OR THAT  
                    I LEFT TO WORK FOR MY HUSBAND INSTEAD OF TELLING THEM  
                    HAT THEY FIRED ME AFTER MY DOCTOR FAXED IN A NOTE AND  
                    CALLED IN FOR ME TO PROTECT ME FROM HAVING MY BLOOD    
                    PRESSURE RISE. JEFF URSINO AND KATHLEEN MUNOZ LIES TO   
                    ANN AT THE DFEH AND THEIR LAWYERS LIED TO THE US DEPT  
                    OF LABOR. KATHLEN WAS DOING THE OVERDRAFT ON HER       
                    DAUGHTERS ACCOUNTS AND REFUNDED HER OWN DAUHGTER MONEY 
                    WHILE THE MANAGER WAS ON VACATION. SHE LIES ABOUT      
                    BEING FIRED FROM WELLS FARGO, SHE LIED TO THE WORKERS  
                    COMP PEOPLE AND WILL LIE TO ANYONE. KATHLEEN HAD       
                    INSTUCTED THE OTHER TELLERS TO COOK THE BOOKS BY       
                    HAVING THEM PUT IN FALSE REFEERALS AND JEFF URSINO DID 
                    NOTHING ABOUT IT BUT I GOT WRITTEN UP FOR MISSING WORK 
                    WITH A DOCTORS NOTE. THEY STATE TO ONE AGENCY THAT I   
                    WAS FIRED AND TO THE OTHER THAT I AM STILL EMPLOYED,   
                    THEY STATE I WAS FIRED FOR NOT CALLING IN YET I WAS    
                    RESPONSIBLE ENOUGH TO HAVE MY DOCTOEOR CALL IN AND FAX 
                    MY NOTE IN DUE TO THE STRESS AND HARRASSMENT BROUGHT   
                    ON BY JEFF AND CITIBANK, WHERE ARE THE ETHICS IN THIS  
                    COMPANY                                                
                                                                           
                                                                           
                    NOW THEY ARE TELLING MORE LIES TO THE DEPT OF FAIR     
                    EMPLOYMENT AND HOUSING JEFF TELLS THEM WHY I WAS FIRED 
                    AND THEIR LAWYERS TELL THE US DEPT OF LABOR THAT I AM  
                    STILL EMPLOYEED                                        
                    PLEASE HELP US GET THIS STORY OUT TO THE WORLD IF IT   
                    ISN&#039;T TOO MUCH TO ASK:) HOW DO YOU FIGHT LIARS, HOW DO 
                    THEY SLEEP AT NIGHT                                    
                    CITIBANK IN CARMEL 831-624-8258 CALL AND ASK THEM      
                    WHERE I AM ASK FOR KATHLEEN AND ASK HER WHY SHE LIES   
                    THIS WOMAN WAS HAVING CITIBANK PAY FOR HER DAUGHTER    
                    OVERDRAFTS AND HER A TELLER REFUND HER OWN DAUGHTER    
                    MONEY WHILE THE MANAGER WAS OUT ON VACATION SO WHY     
                    SHOULD ANYONE BELEIVE THIS UNETHICAL PERSON JUST AS    
                    JEFF URSINO THE MANAGER OF THE CAPITOLA BRANCH LIES TO 
                    HIS BOSSES TO MAKE HIMSELF LOOK BETTER PLEASE HELP US  
                    WE ARE RUNNING OUT OF TIME                             
                    HOW DO YOU FIGHT A CORPORATION LIKE THIS               
                   Extra! Extra! Read all about it!                       
                    DAMARI AND CITIBANK HERE IS THE TRUTH!!                
                    To set the record straight!                            
                    Damari was fired by Citibank in Carmel!                
                    Damari did not leave the bank to go work for her       
                    husband!!!!                                            
                    DAMARI HAD NO PLANS TO LEAVE CITIBANK!                 
                    DAMARI PLANNED ON STAYING FOR ANOTHER 16YRS.           
                    THE BENEFITS WERE VERY IMPORTANT TO HER FAMILY!!       
                    DAMARI WAS FIRED VIA UPS WHILE AT HOME ILL DUE TO WORK 
                    RELATED STRESS BROUGHT ON BY THE MANAGER AND THE       
                    UNFAIR AND UNEQUAL TREATMENT OF EMPLOYEES              
                    ALONG WITH BEING THREATEN AND HARASSED                 
                    BY THE MANAGER FOR JOB ABANDOMENT.                     
                    SEVERAL OF                                             
                    Citibank clients have TOLD HER that they have been     
                    told by the staff at the Carmel branch :               
                    THAT SHE LEFT TO GO WORK FOR HER HUSBAND!              
                    THIS IS AN OUTRIGHT LIE!!!!                            
                    What else will they lie about?                         
                    Are they ashamed of what was done??                    
                    WHY DO THEY FEEL THEY NEED TO SAY SHE LEFT TO GO WORK  
                    WITH HER HUSBAND                                       
                    ( I DO NOT WORK FOR MY HUSBAND)                        
                    ( I DO NOT WORK FOR JND PLUMBING)                      
                    (NOR AM I ON VACATION)                                 
                    INSTEAD OF JUST TELLING THE TRUTH ?                    
                    IS THERE ANYONE IN THE CARMEL BRANCH THAT COULD SWEAR  
                    TO THIS? NO!                                           
                                
                    ENOUGH WITH THE LIES CITIBANK!!!                       
                    IF YOU HAVE BEEN TOLD THIS PLEASE SEND HER AN EMAIL    
                    CITIBANK TOLD                                          
                    THE US LABOR DEPT WAGE AND HOUR DIVISION ,             
                    ON 08/08/06                                            
                    THAT I AM STILL AN EMPLOYEE                            
                    YET I HAVE LETTERS AND DOCUMENTS                       
                    THAT CLEARLY USE THE WORDS                             
                    TERMINATED                                             
                    NO LONGER WITH THE COMPANY                             
                    FORMER EMPLOYEE                                        
                    AND MY 401K AND PENSION HAVE BEEN SENT TO ME AS OF     
                    8/24/06 I HAVE YET TO GET THE LETTER FROM CITIBANK     
                    WHICH EXPLAINS HOW I AM STILL AN EMPLOYEE! HOW LONG    
                    DOES IT TAKE TO WRITE A LETTER IF YOU ARE TELLING THE  
                    TRUTH HOW CAN THEY SAY TO THE US DEPT OF LABOR THAT I  
                    AM STILL AN EMPLOYEE YET THEY TELL THE DFEH THAT THEY  
                    FIRED ME FOR NOT CALLING IN, WHAT IS THE TRUTH         
                    CITIBANK??????????                                     
                    CITIBANK STATES THAT I WAS FIRED FOR NOT CALLING IN    
                    YET MY DOCTOR CALLED IN FOR ME THE DAY BEFORE AND ALSO 
                    FAXED IN A NOTE FOR ME WHICH THE MANAGER RETURNED TO   
                    ME WITH MY LETTER OF TERMINATION. THEY KNEW THE DAY    
                    BEFORE THAT I WASN&#039;T COMING IN SO WHY WOULD HE CALL TO 
                    ASK IF I WAS COMING IN IF IT WAS CLEARLY STATED ON THE 
                    NOTE AND TOLD TO THEM BY MY DOCTOR TO PROTECT MY       
                    HEALTH                                                 
                    JUST MORE LIES BY THE CITIBANK STAFF IN CARMEL         
              
 SENT TO--DCSbears...

I whole heartedly understand you delemma, and my heart goes
out to you.
a few years back, I worked for citibank/corp. for one full year.
It was without doubt the worst job, and the worst nightmare I have
ever lived. The treatment of employees was abominable, among many
other things. .
I worked with people that had been there for years. They were not treated
any better, than I was. 
I quit in the middle of the day. I sat in my car for a good twenty minutes
breathing in what was for me, the most fresh air I had in one year. 
In the following year, at least six people I had worked with, and had been there
for years,  were let go, with the very worst excuses ever. Of course the lost all
benifits, and retirments.
Needless to say, I have never again banked with them, or used one of their credit
cards, or have done any other business with them, whatsoever, and when asked I inform orher companies why.  
I have always...and to this day, informed everyone within earshot, of that disgusting thing, know as &quot;citibank/corp. 
I am sorry they got you. I hope you get them.

FROM AOL BLOG THANK YOU FOR YOU THOUGHTS
CITIBANK FIRES ME FOR NOT &quot;FOLLOWING POLICY &quot;
YET THEY DIDN&#039;T FOLLOW THEIR OWN POLICY CITIBANK IS UN FAIR AND UNEQUAL TREATMENT OF EMPLOYEES
WHAT KIND OF MAN FIRES YOU WHILE YOU ARE ILL KNOWING THAT YOU HAVE WORK RELATED STRESS AND YOUR BLOOD PRESSURE IS UP? 
HOW HEARTLESS IS THIS CITIBANK MANAGER WHO COULDN&#039;T WAIT FOR ME TO GET WELL?
CITIBANK MADE THE LIST OF THE 100 BEST COMPANIES FOR WORKING MOTHERS BUT AS I WAS ATTEMPTING TO PUT MY DAUGHTER FIRST THEY FIRED ME!!! 
I WASN&#039;T GIVEN AN EXIT INTERVIEW NOR WERE MY KEYS ASK FOR BUT THAT IS THEIR POLICY! HE DIDN&#039;T EVEN HAVE MY FINAL PAYCHECK WITH MY LETTER OF TERMINATION AND THEY DEPOSITED IT INTO MY ACCOUNT WHICH IS NOT CALIF CODE 
 THE FOLLOWING IS FROM SOMEONE ON LINE 
My heart goes out for you, just know that things happen for a resound and what go around must come around!! I myself am having my own issue with Citibank!!! I was approved for a lone and used my car as collateral which later I contacted them to hand me over the Title for renewal and it?s been now 3 ½ months I have been waiting for it and now have to deal with my vehicle parked without insurance and Citibank?s excuse is that Motor Vehicle can not locate my title and the most frustrating thing is that all the time I call I must have gave my # over 20 times and never get a call back regarding the status of my situation I would have to repeat myself all over again to a new rep??.How frustrating!!! Well that is the story of life??????Drama??????.Good Luck. 
To OCC office

THank you for your reply and for requesting information form Citibank. Citibank states that I was fired for not following policy but yet they didn&#039;t follow their own policy and guide lines nor were they equal and fair in how they treated each employee. 

Citibank states that I was fired for not calling in, but I did have my doctor call in at the end of my doctors appointment on 12/12/05 and my doctor also faxed on a note. Contact was made with the bank. My doctor called in to protect my health.
I have copies of some of Citibank policy which are in the employee hand book and from what I have read Citibank and the manager didn&#039;t follow proper procedure. Before firing they are to consider your work performance and take that into consideration and my reviews were very good. I never got a verbal warning just written up and the write up was not correct with errors. Citibank gives an exit interview which I didn&#039;t get nor was I asked to send in my keys.
Citibank sent me my Cobra papers and never offered me FMLA, when they find put that I was applying for disability  or that I was disabled they reinstated my benefits and made them retro to 01/01/06 WHY BECAUSE THEY MESSED UP
Citibank  then sends me a check for about six weeks worth of pay with no deductions for benefits  then all of a sudden they start deducting for medical and dental and now I have to pay for these benefits out of my pocket 
Many if Citibank clients have told me they have been told that I left to work for my husband or that I am on vacation.
Lisa Austin of Citigroup mentioned that when I go back to work they would set up payments for some of these benefits but she couldn&#039;t explain how this would happened after I explained that I had been fired. Is Citibank going to fire me again via UPS when my doctor feels that I am well enough to look for work?
Citibank didn&#039;t; follow policy to the tee and fires me for not following policy to the tee but had no heart about me being ill and my doctor helping me out.
Citibank made the list of the best 100 companies for working mother to work at but as I try to put my daughter first they started harassing me with abandonment and corrective action.
My seniority didn&#039;t matter to them.
Ronon at the US Dept of labor, wage and hour division ( 1-415-744-5590 ext 226 ) was told  by Citigroup attorney that I was still employed and they would send a letter to explain but the letter never came.
Citibank fired me while in the middle of a workers comp pending case.
Ann at the DFEH ( 1-408-277-1916 ) was lied to by Jeff Ursino and Kathleen Munoz, they explain to the DFEH how and why they fired me.
Again Citibank violated state labor codes and more.
 Employees which are unethical are still working there and I get fired for having my doctor call in, these employees broke company policy and still have jobs.
Citibank recently sent me a letter thanking me for my five years of service and it states looking forward to another five years but I was fired  on 12/13/05 a few days later a get another letter stating that yes I had been terminated and the stocks that were issued to me for being a good employee had been taken back due to an error in their system. I believe the only error is that I was wrongfully terminated and Citibank is back tracking trying to cover up their mistakes. 
My pension and 401k have been sent to me due to termination and then I get the letter saying looking forward to another five years.
Jeff Ursino knew that the tellers were cooking the books and none of them were written up or fired. Kathleen was refunding her daughter money and having Citibank pay for her overdrafts and she still has a job and Jeff knew about this. Unfair unequal treatment of employees.
Why did it take Citibank a few weeks to give me a clear reason as to why I was fired? Why was my final check deposited into my account, why was I fired via UPS, Why was my final check not ordered until 12/14/05? Why did Chrys Smith call workers comp on 12/14/05 to see if my case was going to be denied but yet didn&#039;t bother telling them that they had already fired me? This is violation of code 132A.
Why doesn&#039;t the staff at Citibank in Carmel simply say &quot;she is no longer with us&quot; instead of all the lies?
Why was Citibank so strict with me and the policy and yet not the other employees?
Why was it ok for Andrea to change her schedule but not me and I had the seniority over her?
Citibank told the Office of Thrift Supervision that they were dealing with it internally and the office asked them to send me a letter of explanation yet they never did.
How many other state codes have they ignored and violated? 
Jeff Ursino states that he was calling to see if I was coming in yet he returns to me the faxed in note by my doctor with my letter of termination which clearly stated that I would be out for a few more days? Jeff knew I wasn&#039;t coming in he just fired me because I wanted to communicate via email to protect my blood pressure and stress level. Is it against the law to protect yourself? They wamt to hold me to the letter of theit policy but don&#039;t follow their policy or state codes to the letter of policy.</description>
		<content:encoded><![CDATA[<p>WHAT ABOUT CITIBANK ETHICS AND THE LIES THEY TELL</p>
<p>ALL I WAS TRYING TO DO WAS PUT MY DAUGHTER FIRST<br />
HOW DID CITIGROUP MAKE THE LIST OF THE 100 BEST COMPANIES FOR WORKING MOTHERS TO WORK AT??????<br />
MOTHER FIRED VIA UPS 13 DAYS BEFORE CHRISTMAS AND STILL CITIBANK LIES TO CLIENTS ABOUT WHAT THEY DID<br />
IF YOU RECEIVE THIS A SECOND TIME I AM SORRY<br />
ALSO FEEL FREE TO POST AND FORWARD OUR STORY TO ANYONE YOU THINK COULD HELP US, THANKS</p>
<p>Corporate America needs to be kinder to their employees. The Citibank manager did not follow policy and guidelines for terminating an employee and also violated Ca. Labor codes., I feel that Jeff Ursino fired me because he just did not like me.He harassed me and made up rules as he went along, he over looked other employees actions and was on a war path to get me out of there.What kind of man fires you while you are at home ill and calls to see if you are coming into work although he had my doctors note in hand? A very weak man. Jeff Ursino even used another employees name on the UPS envelope address label as if someone else was sending me this letter of termination, that is weak. If he was so sure about what he was doing why not put your own name on the envelope?   If he had followed the guidelines I would feel better but he was just out to prove that he was the &#8216;man&#8217; in charged. He was not equal and fair and I will not stop until I get justice, justice for me and all those wrongfully terminated for all the wrong reasons and who are afraid to go up against Corporate America.<br />
Thank you for your time and suggestion, I have already contacted US labor dept, EEOC, DFEH, Office of Thrift Supervision, Office of Currency, just about every Senator, Ca. Governor and so much more. Someone has to stand up and I guess that someone is me. </p>
<p>ON SATURDAY I RECEIVED A LETTER FROM CITIGROUP THANKING ME FOR MY FIVE YEARS OF SERVICE YET THEY JUST EXPLAINED TO THE DFEH WHY THEY FIRED ME<br />
PLEASE HELP US GET TO THE TRUTH<br />
GETTTING THIS LETTER WAS VERY DISTURBING SINCE I FEEL I WAS WRONGFULLY TERMINATED<br />
I HAD NO PLANS TO LEAVE CITIBANK IN CARMEL<br />
THE LETTER EVEN STATES  TO ANOTHER 5 YEARS BUT THEY FIRED ME!!!!!<br />
A FEW DAYS LATER I RECEIVE ANOTHER LETTER CONFIRMING THAT I WAS FIRED!<br />
HOW MESSED UP IS CITIGROUP??</p>
<p>Subject: IS IT LEGAL TO LIE TO THE DFEH &amp; US DEPT OF LABOR? CITIGROUP DID &amp; THEY LIE TO CLIENTS IN CARMEL PLEASE READ THIS LETTER SENT TO THE MONTEREY HERALD<br />
The Monterey County Herald<br />
                    Attn: Herald Executive Editor, Carolina Garcia<br />
                    Monterey, CA 93940<br />
                    <a href="mailto:cgarcia@montereyherald.com">cgarcia@montereyherald.com</a><br />
                    (831) 646-4306<br />
                     Ms. Garcia,<br />
                       I have attempted through several sources to clarify my<br />
                    position regarding my unfair treatment by my previous<br />
                    employer, Citibank. I had no previous plans to leave<br />
                    my position as Head Teller at the Citibank branch in<br />
                    Carmel. After 4 years of employment with the company,<br />
                    the unfair and unequal treatment of employees led to<br />
                    medically supervised work-related stress. The manager<br />
                    of the branch then accused me of job abandonment which<br />
                    led to my termination via UPS delivery on December 15,<br />
                    2005, while I was at home on medical leave.            </p>
<p>                    Subsequent to my termination, I received numerous<br />
                    correspondences that referenced me as terminated, no<br />
                    longer with the company, and as a former employee. My<br />
                    401K and pension have both been forwarded to me.<br />
                    However, when interviewed by the Department of Fair<br />
                    Employment and Housing, Citibank representatives<br />
                    reported that I was terminated due to not personally<br />
                    reporting my absence, but rather having medical<br />
                    documentation reported by my physician. When<br />
                    interviewed by the U. S. Department Wage and Hours<br />
                    Division, Citibank representatives reported on August<br />
                    8, 2006, that I was still an employee of the company<br />
                    and that a letter indicating such would be forwarded<br />
                    to me. To date, this letter has not been received.     </p>
<p>                    I have continued to be in contact with several clients<br />
                    that have stated that Citibank representatives<br />
                    indicated that I was either on vacation, or that I<br />
                    voluntarily resigned in order to work with my husband<br />
                    in his new business. This is absolutely untrue. It was<br />
                    my intention to continue my employment as the benefits<br />
                    were extremely important to me, as well as to my<br />
                    family.                                                </p>
<p>                    Clearly, there has been a gross misrepresentation by<br />
                    Citibank, either to its clients or to the U. S.<br />
                    Department Wage and Hours Division. It is my position<br />
                    that I was unfairly terminated by Citibank. The<br />
                    unscrupulous behavior of Citibank and its<br />
                    representatives, locally and at the corporate level,<br />
                    is unacceptable.                                       </p>
<p>                    It is also my opinion that if a corporation as large<br />
                    as Citibank is representing itself on a local level,<br />
                    the local management and staff should act accordingly.<br />
                    A large part of the attraction of the Monterey area is<br />
                    the sense of community that is felt here on a day to<br />
                    day basis. If Citibank is allowed to misrepresent its<br />
                    actions to clients and government agencies, where will<br />
                    the corporate takeover end?<br />
                     SINCERELY                                                </p>
<p>                    Damari Stratford<br />
                    <a href="mailto:dcsbears@aol.com">dcsbears@aol.com</a><br />
                     1291 ORD GROVE AVE, SEASIDE  CA 93955<br />
                      831-583-9077<br />
                                      Subject: Re: Your message to the governor was received<br />
                    THE GOVERNOR HAS WRITTEN ME TWICE AND SAID HE WOULD<br />
                    HELP,, CITIBANK HAS LIED TO THE DFEH AND US LABOR DEPT<br />
                    WAGE AND HOUR DIVISION AND TO THEIR CLIENTS ABOUT MY<br />
                    STATUS, I NEED HELP, HOW CAN I FIGHT WHEN THIS<br />
                    CORPORATION IS TELLING LIES AND HAS ALL THE LAWYERS<br />
                    THEY NEED AND I CAN&#8217;T AFFORD ONE. HOW MANY TIMES ARE<br />
                    THEY GOING TO GET AWAY WITH MISTREATING EMPLOYEES<br />
                    ON 8/8/06 RONAN FROM THE US DEPT OF LABOR WAS TOLD BY<br />
                    A CITIBANK ATTORNEY THAT THEY WOULD SEND ME A LETTER<br />
                    EXPLAINING MY STATUS AS STILL AN EMPLOYEE, I HAVE YET<br />
                    TO GET THIS LETTER, HOW LONG DOES IT TAKE TO PUT A<br />
                    LETTER TOGETHER IF THEY ARE TELLING THE TRUTH?<br />
                    YOUR OFFICE AS WELL AS THE FIRST LADY&#8217;S OFFICE HAS<br />
                    CALLED ME BUT WE AREN&#8217;T GETTING ANYWHERE. IT HAS BEEN<br />
                    7 MONTHS SINCE I FIRST WROTE THE GOVERNOR. CITIBANK<br />
                    ATTORNEYS HAVE CANCELLED 2 DEPOSITIONS AT THE LAST<br />
                    MINUTE THE LAST INE THEY CANCELLED WAS AFTER TALKING<br />
                    TO THE US LABOR DEPARTMENT,WHY?<br />
                    MY JOB WAS VERY IMPORTANT TO MY FAMILY AND I PLEASE<br />
                    HELP ME AND MY FAMILY AND ALL THOSE BEFORE ME THAT<br />
                    HAVE BEEN WRONGFULLY TERMINATED BY CITIBANK FOR NO<br />
                    GOOD REASON<br />
                    WHY IS EVERYONE SO AFRAID OF CITIGROUP? WHY CAN&#8217;T I<br />
                    FIND AN ATTORNEY WILLING TO STAND UP TO THEM ON A<br />
                    CONTINGENCY BASIS? I VOTED FOR THE GOVERNOR AND I NEED<br />
                    HIM NOW<br />
                    PLEASE CALL ANN FROM THE DFEH AT 408-277-1916 THEY<br />
                    TOLD HER THAT I HAD CALLED IN ILL ON 11/15/05 AND THAT<br />
                    I TOLD THEM I WOULDN&#8217;T BE IN, THIS IS A LIE I WORKED<br />
                    THAT DAY AND I CAN PROVE THIS WITH MY IME CARD, THEN<br />
                    THEY SAY THEY MADE AN ERROR<br />
                    PLEASE CALL RONAN AT 415-744-5590 EXT 226 FROM THE US<br />
                    LABOR DEPT TO VERIFY WHAT CITIBANK ATTORNEYS SAID. THE<br />
                    ONLY REASON THEY OFFERED ME FMLA IS BECAUSE I FILED<br />
                    FOR DISABILITY, BEFORE THAT THEY HAD PAID OUT MY FINAL<br />
                    PAYCHECK, FIRED ME VIA UPS, SENT ME COBRA INFORMATION.<br />
                    PLEASE HELP US PLEASE SEE THAT THE GOVERNOR GETS THIS<br />
                    EMAIL AND ASK HIM TO MAKE A CALL ON MY BEHALF<br />
                    CORPORATE AMERICA NEEDS TO TAKE BETTER CARE OF THEIR<br />
                    GOOD EMPLOYEES AND NOT ALLOW A MANAGER WITH BAD SKILLS<br />
                    TO FIRE SOMEONE JUST BECAUSE HE WANTS TO<br />
                    SINCERELY DAMARI STARTFROD<br />
                    MOTHER WIFE HUMAN BEING AND I VOTED FOR THE GOVERNOR<br />
                    I MATTER TOO!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!<br />
                    CITIBANK IN CARMEL LIES TO CLIENTS ABOUT WHY I AM NOT<br />
                    THERE. THEY TELL PEOPLE THAT I AM ON VACATION OR THAT<br />
                    I LEFT TO WORK FOR MY HUSBAND INSTEAD OF TELLING THEM<br />
                    HAT THEY FIRED ME AFTER MY DOCTOR FAXED IN A NOTE AND<br />
                    CALLED IN FOR ME TO PROTECT ME FROM HAVING MY BLOOD<br />
                    PRESSURE RISE. JEFF URSINO AND KATHLEEN MUNOZ LIES TO<br />
                    ANN AT THE DFEH AND THEIR LAWYERS LIED TO THE US DEPT<br />
                    OF LABOR. KATHLEN WAS DOING THE OVERDRAFT ON HER<br />
                    DAUGHTERS ACCOUNTS AND REFUNDED HER OWN DAUHGTER MONEY<br />
                    WHILE THE MANAGER WAS ON VACATION. SHE LIES ABOUT<br />
                    BEING FIRED FROM WELLS FARGO, SHE LIED TO THE WORKERS<br />
                    COMP PEOPLE AND WILL LIE TO ANYONE. KATHLEEN HAD<br />
                    INSTUCTED THE OTHER TELLERS TO COOK THE BOOKS BY<br />
                    HAVING THEM PUT IN FALSE REFEERALS AND JEFF URSINO DID<br />
                    NOTHING ABOUT IT BUT I GOT WRITTEN UP FOR MISSING WORK<br />
                    WITH A DOCTORS NOTE. THEY STATE TO ONE AGENCY THAT I<br />
                    WAS FIRED AND TO THE OTHER THAT I AM STILL EMPLOYED,<br />
                    THEY STATE I WAS FIRED FOR NOT CALLING IN YET I WAS<br />
                    RESPONSIBLE ENOUGH TO HAVE MY DOCTOEOR CALL IN AND FAX<br />
                    MY NOTE IN DUE TO THE STRESS AND HARRASSMENT BROUGHT<br />
                    ON BY JEFF AND CITIBANK, WHERE ARE THE ETHICS IN THIS<br />
                    COMPANY                                                </p>
<p>                    NOW THEY ARE TELLING MORE LIES TO THE DEPT OF FAIR<br />
                    EMPLOYMENT AND HOUSING JEFF TELLS THEM WHY I WAS FIRED<br />
                    AND THEIR LAWYERS TELL THE US DEPT OF LABOR THAT I AM<br />
                    STILL EMPLOYEED<br />
                    PLEASE HELP US GET THIS STORY OUT TO THE WORLD IF IT<br />
                    ISN&#8217;T TOO MUCH TO ASK:) HOW DO YOU FIGHT LIARS, HOW DO<br />
                    THEY SLEEP AT NIGHT<br />
                    CITIBANK IN CARMEL 831-624-8258 CALL AND ASK THEM<br />
                    WHERE I AM ASK FOR KATHLEEN AND ASK HER WHY SHE LIES<br />
                    THIS WOMAN WAS HAVING CITIBANK PAY FOR HER DAUGHTER<br />
                    OVERDRAFTS AND HER A TELLER REFUND HER OWN DAUGHTER<br />
                    MONEY WHILE THE MANAGER WAS OUT ON VACATION SO WHY<br />
                    SHOULD ANYONE BELEIVE THIS UNETHICAL PERSON JUST AS<br />
                    JEFF URSINO THE MANAGER OF THE CAPITOLA BRANCH LIES TO<br />
                    HIS BOSSES TO MAKE HIMSELF LOOK BETTER PLEASE HELP US<br />
                    WE ARE RUNNING OUT OF TIME<br />
                    HOW DO YOU FIGHT A CORPORATION LIKE THIS<br />
                   Extra! Extra! Read all about it!<br />
                    DAMARI AND CITIBANK HERE IS THE TRUTH!!<br />
                    To set the record straight!<br />
                    Damari was fired by Citibank in Carmel!<br />
                    Damari did not leave the bank to go work for her<br />
                    husband!!!!<br />
                    DAMARI HAD NO PLANS TO LEAVE CITIBANK!<br />
                    DAMARI PLANNED ON STAYING FOR ANOTHER 16YRS.<br />
                    THE BENEFITS WERE VERY IMPORTANT TO HER FAMILY!!<br />
                    DAMARI WAS FIRED VIA UPS WHILE AT HOME ILL DUE TO WORK<br />
                    RELATED STRESS BROUGHT ON BY THE MANAGER AND THE<br />
                    UNFAIR AND UNEQUAL TREATMENT OF EMPLOYEES<br />
                    ALONG WITH BEING THREATEN AND HARASSED<br />
                    BY THE MANAGER FOR JOB ABANDOMENT.<br />
                    SEVERAL OF<br />
                    Citibank clients have TOLD HER that they have been<br />
                    told by the staff at the Carmel branch :<br />
                    THAT SHE LEFT TO GO WORK FOR HER HUSBAND!<br />
                    THIS IS AN OUTRIGHT LIE!!!!<br />
                    What else will they lie about?<br />
                    Are they ashamed of what was done??<br />
                    WHY DO THEY FEEL THEY NEED TO SAY SHE LEFT TO GO WORK<br />
                    WITH HER HUSBAND<br />
                    ( I DO NOT WORK FOR MY HUSBAND)<br />
                    ( I DO NOT WORK FOR JND PLUMBING)<br />
                    (NOR AM I ON VACATION)<br />
                    INSTEAD OF JUST TELLING THE TRUTH ?<br />
                    IS THERE ANYONE IN THE CARMEL BRANCH THAT COULD SWEAR<br />
                    TO THIS? NO!                                           </p>
<p>                    ENOUGH WITH THE LIES CITIBANK!!!<br />
                    IF YOU HAVE BEEN TOLD THIS PLEASE SEND HER AN EMAIL<br />
                    CITIBANK TOLD<br />
                    THE US LABOR DEPT WAGE AND HOUR DIVISION ,<br />
                    ON 08/08/06<br />
                    THAT I AM STILL AN EMPLOYEE<br />
                    YET I HAVE LETTERS AND DOCUMENTS<br />
                    THAT CLEARLY USE THE WORDS<br />
                    TERMINATED<br />
                    NO LONGER WITH THE COMPANY<br />
                    FORMER EMPLOYEE<br />
                    AND MY 401K AND PENSION HAVE BEEN SENT TO ME AS OF<br />
                    8/24/06 I HAVE YET TO GET THE LETTER FROM CITIBANK<br />
                    WHICH EXPLAINS HOW I AM STILL AN EMPLOYEE! HOW LONG<br />
                    DOES IT TAKE TO WRITE A LETTER IF YOU ARE TELLING THE<br />
                    TRUTH HOW CAN THEY SAY TO THE US DEPT OF LABOR THAT I<br />
                    AM STILL AN EMPLOYEE YET THEY TELL THE DFEH THAT THEY<br />
                    FIRED ME FOR NOT CALLING IN, WHAT IS THE TRUTH<br />
                    CITIBANK??????????<br />
                    CITIBANK STATES THAT I WAS FIRED FOR NOT CALLING IN<br />
                    YET MY DOCTOR CALLED IN FOR ME THE DAY BEFORE AND ALSO<br />
                    FAXED IN A NOTE FOR ME WHICH THE MANAGER RETURNED TO<br />
                    ME WITH MY LETTER OF TERMINATION. THEY KNEW THE DAY<br />
                    BEFORE THAT I WASN&#8217;T COMING IN SO WHY WOULD HE CALL TO<br />
                    ASK IF I WAS COMING IN IF IT WAS CLEARLY STATED ON THE<br />
                    NOTE AND TOLD TO THEM BY MY DOCTOR TO PROTECT MY<br />
                    HEALTH<br />
                    JUST MORE LIES BY THE CITIBANK STAFF IN CARMEL         </p>
<p> SENT TO&#8211;DCSbears&#8230;</p>
<p>I whole heartedly understand you delemma, and my heart goes<br />
out to you.<br />
a few years back, I worked for citibank/corp. for one full year.<br />
It was without doubt the worst job, and the worst nightmare I have<br />
ever lived. The treatment of employees was abominable, among many<br />
other things. .<br />
I worked with people that had been there for years. They were not treated<br />
any better, than I was.<br />
I quit in the middle of the day. I sat in my car for a good twenty minutes<br />
breathing in what was for me, the most fresh air I had in one year.<br />
In the following year, at least six people I had worked with, and had been there<br />
for years,  were let go, with the very worst excuses ever. Of course the lost all<br />
benifits, and retirments.<br />
Needless to say, I have never again banked with them, or used one of their credit<br />
cards, or have done any other business with them, whatsoever, and when asked I inform orher companies why.<br />
I have always&#8230;and to this day, informed everyone within earshot, of that disgusting thing, know as &#8220;citibank/corp.<br />
I am sorry they got you. I hope you get them.</p>
<p>FROM AOL BLOG THANK YOU FOR YOU THOUGHTS<br />
CITIBANK FIRES ME FOR NOT &#8220;FOLLOWING POLICY &#8221;<br />
YET THEY DIDN&#8217;T FOLLOW THEIR OWN POLICY CITIBANK IS UN FAIR AND UNEQUAL TREATMENT OF EMPLOYEES<br />
WHAT KIND OF MAN FIRES YOU WHILE YOU ARE ILL KNOWING THAT YOU HAVE WORK RELATED STRESS AND YOUR BLOOD PRESSURE IS UP?<br />
HOW HEARTLESS IS THIS CITIBANK MANAGER WHO COULDN&#8217;T WAIT FOR ME TO GET WELL?<br />
CITIBANK MADE THE LIST OF THE 100 BEST COMPANIES FOR WORKING MOTHERS BUT AS I WAS ATTEMPTING TO PUT MY DAUGHTER FIRST THEY FIRED ME!!!<br />
I WASN&#8217;T GIVEN AN EXIT INTERVIEW NOR WERE MY KEYS ASK FOR BUT THAT IS THEIR POLICY! HE DIDN&#8217;T EVEN HAVE MY FINAL PAYCHECK WITH MY LETTER OF TERMINATION AND THEY DEPOSITED IT INTO MY ACCOUNT WHICH IS NOT CALIF CODE<br />
 THE FOLLOWING IS FROM SOMEONE ON LINE<br />
My heart goes out for you, just know that things happen for a resound and what go around must come around!! I myself am having my own issue with Citibank!!! I was approved for a lone and used my car as collateral which later I contacted them to hand me over the Title for renewal and it?s been now 3 ½ months I have been waiting for it and now have to deal with my vehicle parked without insurance and Citibank?s excuse is that Motor Vehicle can not locate my title and the most frustrating thing is that all the time I call I must have gave my # over 20 times and never get a call back regarding the status of my situation I would have to repeat myself all over again to a new rep??.How frustrating!!! Well that is the story of life??????Drama??????.Good Luck.<br />
To OCC office</p>
<p>THank you for your reply and for requesting information form Citibank. Citibank states that I was fired for not following policy but yet they didn&#8217;t follow their own policy and guide lines nor were they equal and fair in how they treated each employee. </p>
<p>Citibank states that I was fired for not calling in, but I did have my doctor call in at the end of my doctors appointment on 12/12/05 and my doctor also faxed on a note. Contact was made with the bank. My doctor called in to protect my health.<br />
I have copies of some of Citibank policy which are in the employee hand book and from what I have read Citibank and the manager didn&#8217;t follow proper procedure. Before firing they are to consider your work performance and take that into consideration and my reviews were very good. I never got a verbal warning just written up and the write up was not correct with errors. Citibank gives an exit interview which I didn&#8217;t get nor was I asked to send in my keys.<br />
Citibank sent me my Cobra papers and never offered me FMLA, when they find put that I was applying for disability  or that I was disabled they reinstated my benefits and made them retro to 01/01/06 WHY BECAUSE THEY MESSED UP<br />
Citibank  then sends me a check for about six weeks worth of pay with no deductions for benefits  then all of a sudden they start deducting for medical and dental and now I have to pay for these benefits out of my pocket<br />
Many if Citibank clients have told me they have been told that I left to work for my husband or that I am on vacation.<br />
Lisa Austin of Citigroup mentioned that when I go back to work they would set up payments for some of these benefits but she couldn&#8217;t explain how this would happened after I explained that I had been fired. Is Citibank going to fire me again via UPS when my doctor feels that I am well enough to look for work?<br />
Citibank didn&#8217;t; follow policy to the tee and fires me for not following policy to the tee but had no heart about me being ill and my doctor helping me out.<br />
Citibank made the list of the best 100 companies for working mother to work at but as I try to put my daughter first they started harassing me with abandonment and corrective action.<br />
My seniority didn&#8217;t matter to them.<br />
Ronon at the US Dept of labor, wage and hour division ( 1-415-744-5590 ext 226 ) was told  by Citigroup attorney that I was still employed and they would send a letter to explain but the letter never came.<br />
Citibank fired me while in the middle of a workers comp pending case.<br />
Ann at the DFEH ( 1-408-277-1916 ) was lied to by Jeff Ursino and Kathleen Munoz, they explain to the DFEH how and why they fired me.<br />
Again Citibank violated state labor codes and more.<br />
 Employees which are unethical are still working there and I get fired for having my doctor call in, these employees broke company policy and still have jobs.<br />
Citibank recently sent me a letter thanking me for my five years of service and it states looking forward to another five years but I was fired  on 12/13/05 a few days later a get another letter stating that yes I had been terminated and the stocks that were issued to me for being a good employee had been taken back due to an error in their system. I believe the only error is that I was wrongfully terminated and Citibank is back tracking trying to cover up their mistakes.<br />
My pension and 401k have been sent to me due to termination and then I get the letter saying looking forward to another five years.<br />
Jeff Ursino knew that the tellers were cooking the books and none of them were written up or fired. Kathleen was refunding her daughter money and having Citibank pay for her overdrafts and she still has a job and Jeff knew about this. Unfair unequal treatment of employees.<br />
Why did it take Citibank a few weeks to give me a clear reason as to why I was fired? Why was my final check deposited into my account, why was I fired via UPS, Why was my final check not ordered until 12/14/05? Why did Chrys Smith call workers comp on 12/14/05 to see if my case was going to be denied but yet didn&#8217;t bother telling them that they had already fired me? This is violation of code 132A.<br />
Why doesn&#8217;t the staff at Citibank in Carmel simply say &#8220;she is no longer with us&#8221; instead of all the lies?<br />
Why was Citibank so strict with me and the policy and yet not the other employees?<br />
Why was it ok for Andrea to change her schedule but not me and I had the seniority over her?<br />
Citibank told the Office of Thrift Supervision that they were dealing with it internally and the office asked them to send me a letter of explanation yet they never did.<br />
How many other state codes have they ignored and violated?<br />
Jeff Ursino states that he was calling to see if I was coming in yet he returns to me the faxed in note by my doctor with my letter of termination which clearly stated that I would be out for a few more days? Jeff knew I wasn&#8217;t coming in he just fired me because I wanted to communicate via email to protect my blood pressure and stress level. Is it against the law to protect yourself? They wamt to hold me to the letter of theit policy but don&#8217;t follow their policy or state codes to the letter of policy.</p>
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		<title>By: More Merchant</title>
		<link>http://www.fivecentnickel.com/2006/11/15/reward-credit-cards/comment-page-1/#comment-39690</link>
		<dc:creator>More Merchant</dc:creator>
		<pubDate>Mon, 20 Nov 2006 23:17:06 +0000</pubDate>
		<guid isPermaLink="false">http://www.fivecentnickel.com/2006/11/15/reward-credit-cards/#comment-39690</guid>
		<description>I am leary about switching cards as this can hurt your credit score.

Has this affected you in the past?</description>
		<content:encoded><![CDATA[<p>I am leary about switching cards as this can hurt your credit score.</p>
<p>Has this affected you in the past?</p>
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		<title>By: moneysmartlife</title>
		<link>http://www.fivecentnickel.com/2006/11/15/reward-credit-cards/comment-page-1/#comment-38070</link>
		<dc:creator>moneysmartlife</dc:creator>
		<pubDate>Thu, 16 Nov 2006 05:40:05 +0000</pubDate>
		<guid isPermaLink="false">http://www.fivecentnickel.com/2006/11/15/reward-credit-cards/#comment-38070</guid>
		<description>Do you ever worry about how signing up for many different cards will effect your credit score?  Have you seen any problems with it?</description>
		<content:encoded><![CDATA[<p>Do you ever worry about how signing up for many different cards will effect your credit score?  Have you seen any problems with it?</p>
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		<title>By: jim</title>
		<link>http://www.fivecentnickel.com/2006/11/15/reward-credit-cards/comment-page-1/#comment-37877</link>
		<dc:creator>jim</dc:creator>
		<pubDate>Wed, 15 Nov 2006 18:13:29 +0000</pubDate>
		<guid isPermaLink="false">http://www.fivecentnickel.com/2006/11/15/reward-credit-cards/#comment-37877</guid>
		<description>Oh, the Citi Dividend Platinum MasterCard is only 2% on gas/supermarket.</description>
		<content:encoded><![CDATA[<p>Oh, the Citi Dividend Platinum MasterCard is only 2% on gas/supermarket.</p>
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		<title>By: jill</title>
		<link>http://www.fivecentnickel.com/2006/11/15/reward-credit-cards/comment-page-1/#comment-37858</link>
		<dc:creator>jill</dc:creator>
		<pubDate>Wed, 15 Nov 2006 17:28:28 +0000</pubDate>
		<guid isPermaLink="false">http://www.fivecentnickel.com/2006/11/15/reward-credit-cards/#comment-37858</guid>
		<description>I am using discover for 3 months because it&#039;s 5% back right now on all eating out and gift shopping.  They have that 4x a year better rewards.  Also American Express True Earnings gives 3% back on eating out all the time, 2% on travel so I use it for those two things along with costco which you get 1%.  Finally the basic card for most stuff is Citibank Simplicity Cash Back, 5% cash back and 1% everything else, but it has no late fees, in case you ever forget.  I think I did the same as you on my blog, I posted my year to date earnings on my stuff.</description>
		<content:encoded><![CDATA[<p>I am using discover for 3 months because it&#8217;s 5% back right now on all eating out and gift shopping.  They have that 4x a year better rewards.  Also American Express True Earnings gives 3% back on eating out all the time, 2% on travel so I use it for those two things along with costco which you get 1%.  Finally the basic card for most stuff is Citibank Simplicity Cash Back, 5% cash back and 1% everything else, but it has no late fees, in case you ever forget.  I think I did the same as you on my blog, I posted my year to date earnings on my stuff.</p>
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		<title>By: jim</title>
		<link>http://www.fivecentnickel.com/2006/11/15/reward-credit-cards/comment-page-1/#comment-37836</link>
		<dc:creator>jim</dc:creator>
		<pubDate>Wed, 15 Nov 2006 16:39:10 +0000</pubDate>
		<guid isPermaLink="false">http://www.fivecentnickel.com/2006/11/15/reward-credit-cards/#comment-37836</guid>
		<description>If you have student loans, the Thank You points can be converted on a 100 points to $1 basis (making it a straight 1% cashback card or whatever percentage you get).</description>
		<content:encoded><![CDATA[<p>If you have student loans, the Thank You points can be converted on a 100 points to $1 basis (making it a straight 1% cashback card or whatever percentage you get).</p>
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