Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Gift card fraud: To whom to report? How to recover funds? Is the party which issued me the card liable?
Have you checked to see if anything else went missing? Walmart says that because I was not the original purchaser of the gift   card, they could not help me directly Just to build on what @littleadv already gave you, my personal experience on this is that none of the companies that you'll likely be dealing with in a situation like this will be falling over themselves to help you out. Unless it also helps them for some reason, or if they're compelled by consumer laws.  If you think you should be protected from this sort of thing happening, feel free to reference the FCRA to see if you might get any consumer protections.  But just from what you've said here, it doesn't sound like you do. So if anything else went missing (or even if not), it might have been someone working for Citi, who may have had access to more of your personal information than just your card.  ID theft is unfortunately common, as a fairly easy crime to commit, a hard one to protect yourself against, and a very hard one to prosecute.  When did you last check your credit report?