This is to bring into your notice that i am a citibank Credit Card holder my name is gaurav kasliwal and was using this card since last September 2006.
now my actual problem starts in year 2008 in the month of january, when I didnt received my bill statements on time, even non deleivery of bill statements ... which imposed some charges called late payment fees on my account .
My last usage is of rs. 675 in the month of jan 2008 there after i didnt get the bill which i complained on call center so many times ... finally when I called in the month of May to knwo the exact amount outstanding ... your executive told me that " there is some 2175 amount left to clear all outstanding... I requested this executive that out of these charges only 675 is actuall usage and this is not fair why you are charging me so high ... 2175 is full of only late paymnet fees and Rs. 675 is the only actual usage, why should I have to pay all late payment charges ... he agrees on the same and confirmed me that ok " i will waive off the payment fees for last month you need to pay only 1875... which he typed in his account also .. you can see in your systems ... which I asked him to write in his system for any further communications .
then as i promiced this gentleman I paid 1875 thru chq and was in impression that my all dues are clear which was not clear as this executive cheated me and not posted the waiver amout ... hence it always showed outstanging by Rs 300 ... and on month on month basis this amount became 2831.33... which i had received thru a letter for recovery yesterday .
1. Now my question is when i can pay 1875 for final clearing of outstanding why cant i pay rs 2175 at that time ... answer is:- As per your executive who promised me to post the waiver and confirmed me that sir your final amount is only 1875 after paying 1875 your all outstnading will be nil, so I paid only 1875.
2. Secondly Why i had received these types of mailers for recovery on time and on my provided address correctly ... while bill statements never comes... which is the real cause of all this problem..
3. i need to know my actual leagal rights for this type of case where there is no actual usage and customer is paying only late payment fees ... even if your call center misguides a customer just for the matter of collection purpose. after that they actually not posts the waiver or promiced amount.
This is my last Email or any call to call center because now i am tired of doing all this ... Even if there is no option left please let me know I will pay entire amount to clear my outstanding... but please firstly check all your systems and my complaints ... it was not my fault i paid 1875 for clearing all the dues as inf given by your executive only. he categorily rights 1875 as the final amount outstanging which I paid thru cheque... please understand my point of view if he given me amount 2175 i can pay that much also to avoid this kind of trouble, but he assured me saying that sir you need to pay only 1875. you also told me that how much is this fair my last usage is only 675 ... after that I had already paid 1875 and now there is a bill of 2831.33 again. I was really not informed about all this matter. yesterday only I got a letter from agency saying recovery of amt 2831.33 ... then only I came to know about all this case...
you are requested to please consider my case and get me rid off all these hassels which became pain for my and my parents too.
Details Are :
card no : [protected]
name : Gaurav Kasliwal
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