Good luck! When I called about Citibank Brasil I got transferred around to a dozen different people. Finally a very aggressive lady came on the line, telling me I was damn lucky to be a Schwab client because of the 0% foreign exchange fee and that I should just accept that Schwab doesn't always fulfill it's promise of refunding all ATM fees. She said it was just too much work to attend to every single customer's individual problems and hinted that many of them would not be telling the truth anyway (I suppose she really meant that I could be one of them). She kept insisting that Citibank's fee was for foreign exchange, not use of the ATM. As it happened, I had the receipt the Citibank ATM printed out, clearing specifying the nature of the fee, and I read it to her. She finally gave in, and refunded the fee manually, but said she would note on my account that I had been told that there would be no more refunds of ATM fees under these circumstances.