Momof3 guess what? Today citibank's fraud department called me at work. They were verifying my address since they still had my NY address in their department somehow. I get my statements and was wondering how that happened. But still, that is what the call was for. She did not say which card but I assumed it was for the classic card because I already updated the address on the gold application and was approved on the phone. I hope this sheds some light on your neighbors phone call. Peace! Roni.