[Resolved]  Citibank India — A/c Closure ; harassment

Hello All,

I have been a Customer of Citibank since i have joined my company in Aug 2007 and carry a citibank salary a/c.I also have a citibank credit card and a loan availed from them.Recently, because of my personal needs i called up Customer Care and looked for something called as Ready Credit a/c which is the a/c linked with Suvidha salary a/c . If there are insufficient funds in my normal salary a/c then any clearance or cash withdrawal happens through the ready credit a/c.
On October 2008, i was informed by customer care that i am eligible for it and can go ahead and apply for it.The opening form was sent to me from Chennai which i filled up and sent it to Chennai (Shakthi Towers). Later the next week i got a call from the bank (Bangalore) for verification. It all went fine.I even received SMS alerts on 3rd Dec 2008 about the a/c getting activated with the credit line provided to me of 65, 000/-. Then i received a call from Mr.Santosh in Chennai on 8th Dec 2008 from the number[protected] of the banking department verifying my a/c and other information.He even said that the next day being Id would be a bank holiday and the amount would be submitted in the a/c on 10th Dec.I had even spoken to him that i needed to submit a cheque of 40, 000/-...will that be ok.He confirmed saying that i can do it.I still have all the messages of the activation of the a/c with 65k. I even received a letter dated 3rd Dec 2008 from Citibank mentioning the overdraft a/c and the 65k activation a/c. Mr.Santosh even gave me the ready credit a/c number from him - [protected].Confirming that i submitted a cheque of 40, 000/- (cheque number -123602) to someone. Today at 10 AM in the morning i received a SMS stating that the cheque has got dishonoured.
I calledup the customer care and forget the rudeness they showed me but the call went escalated till Ms.Maheshawari (who quoted she is the manger of the department).They informed me that the ready a/c is closed on 11th Dec 2008.i was promised a call back from them that did not happen.I have been mentally harrassed by the bank throughout now.
I wanted to know from them as to -
1.why i was informed that i am eligible when it found uneligible
2. why the confirmation messages and letters was sent to me for the a/c activation?
3. why i was not informed about anything ata ll?
4. why was i confirmed to submit the cheque?
None of these were responded to . Now if the person submits a legal case against me then me being a sole earning girl, what will i do? Where will i go?
Please help me .