An 88-year-old Bayville woman says she lost $40,000 in a mysterious bank transfer — and now she’s fighting to get her money back, with little help from her bank.

Lois Nadler says the funds were raised through donations from friends and family to help pay for her granddaughter’s surgery.

But in August, the entire amount was transferred from her Citibank account to another account in Hong Kong — a transaction she insists she never authorized.

“I go to my checking account. It is wiped out,” Nadler said. “They [Citibank] told me that I made a phone call and I transferred to my friend in their Hong Kong branch $40,000. It was done by phone by me so there was nothing they could do about it.”

Citibank, however, claims the transaction was authorized and carried out. Nadler maintains she never made such a call and has no idea who could have accessed her account.

News 12 reached out to Citibank for comment.

A spokesperson said the company’s customer care and fraud investigation teams are currently reviewing the case. However, no further details have been provided at this time.