) -- As Jim Cramer noted during his

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segment on CNBC, there is $51 billion in equity coming from


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Bank of America

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Wells Fargo

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as they return their government loans from the Troubled Asset Relief Program.

Citigroup, in response, has dropped hard during the past few days, and is currenly trading around $3.54 a share -- but Cramer said during the segment that he is a buyer of the bank at $3.25.

"We all keep asking how can the market take all of this stock and not get hammered?" Cramer asked. "When you have a market that can take this much pain and keep going, who knows what would happen if anything good happens."


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tumbling 8.6% in afternoon trading. Cramer says its third-quarter numbers were good. "The stock shouldn't be going down like this," he said.

Next, Cramer asked: Who really is to blame for


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dropped calls? According to a Nielsen report, it's actually


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Nielsen claims there is a problem with the chips that connect the iPhone to AT&T's towers, which also affects service of those without the device. Nielsen claims that AT&T's network would actually be better than


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, and if Verizon had the iPhone it would be experiencing similar problems.

But Cramer said, "this is more chatter than we realize. If it is Apple's fault, they will fix it. Apple is the most customer-friendly company I have ever dealt with. I am not going against those guys."

-- Reported by Jeanine Poggi in New York.

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