Thank you for your reply.
First of all we ar not US citizens nor residents. I just thought, that since Citibank is US Company, they have to act after those laws and regulations.

Of course, we tried several times and in different ways to get statements. We spoke to I don't know how many persons, send faxes and e-mails, without any success. Which is not only frustrating but also annoying. We paid until December 2006.
But what makes me concerned is, that since we have no statements, we have no clue, what there is left. We don't know how many interests are charged aso.
We are more (!) than willing to get a final settlement, we have already asked last year on several occasions, whether they could give us the final amount - again with no success.
On the other hand, they call my mother-in-law. They got her contact details, when we opened our bank account with these towel-heads (in Bahrain it is customary for expats to give a contact in the home country, when opening a bank account). We had the same problem, when we moved from Bahrain to Qatar two years back. We asked them to stop calling someone who is not involved. Everytime the payment was late (it was always only a question of days ) they started calling her again. They always had our contact details, we never moved without giving those. And our e-mail always remained the same. How can an international operating bank allow itself to operate in such manners?