I have been a Citibank card member since 08/04 and not once has there been a time when I have not paid my outstanding amount. The reason for that is to maintain a clean credit record with the bank and also to maintain a relationship with this bank.

Unfortunately I have come to the point where I regret the day I ever became a Citibank customer. I have realized that the only think Citibank does to its good customers is to harass them and extract money.

Here is my concern:

On May 2007, I had carried out a balance transfer of Rs 20, 000 from my Citibank credit card to another bank card by mistake. Realizing the mistake, I immediately had my parents in India put Rs 20, 000 back into my credit card account. Meanwhile I spoke to multiple customer care executives explaining the situation and in their trained fashion all they could say was "we cannot help madam, the amount you deposited will even the loan interest out automatically". Not once was I asked to pre- close the loan or any other option.Isn't it their duty to tell me this option when they knew I had the balance transfer by mistake and wanted to immediately close by paying of the amount???

1 yr later, I am still receiving bills and now they want me to pay outstanding loan interest of Rs496 in April and now Rs 1831 for May. Looks like the Rs 20, 000 I initially put in has exhausted and Citi needs more money from me as the so called loan interest.

Despite of being in the US, I have made multiple calls to Citibank customer care number 040-66662484 regarding the issue. Details below

1) Customer service exec: Krishna at 10.17pm IST on 23 or 26th May(no help whatsoever)

2) Customer service exec: Shiva at 10.27pm IST on 27th May (took my phone number and promised that the loan department will get back to me, but phone got disconnected as usual)

3)Customer service exec: Sreejith Babu at 10.37 pm IST on 27th May (Reconfirmed that loan department will get back to me to resolve issue)

4)Customer service exec:Sindhu at 6.02 pm IST on 28th May (worst customer care exec I have come across, was rude and uncultured, she was the ultimate example of Citibank's commitment to horrible customer care, put me on a 10 min hold and then the line went dead again)

5)Customer service exec:Ramya(QA Manager) at 6.15 pm IST on 28th May (tried to listen more intelligently than the other customer care and said would call me back on Monday after looking into the matter. Unfortunately as always, line went dead even before I could give details of my calls last year so that she can retrace them)

I have honestly given up on this bank and its service. Harassment is the only motive they have when it comes to their customers. Sitting in the US I have nothing to lose but I still made multiple calls thinking that someone would have the wisdom and power to resolve the issue. Unfortunately it looks like the bank is full of people who pass the buck and fail in resolving any issue. I am disappointed that this bank/customer relation has gone totally sour.

I will make no more calls to Citibank in India and waste my money.I am mailing them this same email today. Lets see what they will do(except nothing!)