In September 2011, I redeemed credit card points I had with Citibank for a $100 Walmart gift card.
I did not try using this card until March 2014, when I discovered there was no balance in it. I contacted Walmart and they said that someone else had used its full value (in September 2011) to buy some prepaid Visa and Mastercard gift cards.
Walmart says that because I was not the original purchaser of the gift card, they could not help me directly; I have to contact the original purchaser.
I tried contacting Citibank but so far all they say is that the time frame that has elapsed since September 2011 (and today--about 2.5 years) is too long and they won't investigate the matter.
Question 1: Who do I report such fraud to?
Question 2: How can I recover the $100 value of my Walmart gift card?
Question 3: Is Citibank in any way liable? (The gift card was fraudulently used shortly after---within the same month---I received it from Citibank.)