NEW YORK (

TheStreet

) -- As Jim Cramer noted during his

Stop Trading

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

Citigroup

(C) - Get Report

,

Bank of America

(BAC) - Get Report

and

Wells Fargo

(WFC) - Get Report

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."

Despite

Best Buy

(BBY) - Get Report

TheStreet Recommends

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

AT&T's

(T) - Get Report

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

Apple

(AAPL) - Get Report

.

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

Verizon's

(VZ) - Get Report

, 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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