Citibank is awful
I'm travelling internationally, and Citi blocked access to my account. It's impossible to regain access, even though I can provide sms code, SSN, transaction history, and any other security questions. The ONLY option that the supervisor has provided is to wait for the US mail to my home address in the US (remember, I'm travelling). I asked him - Does he understand that I'm unable to receive the mail now? He said yes, but that's the only option. If you travel internationally, don't use Citi. You'll regret this.