[Resolved]  Citibank Na, New Delhi — Deficient customer service

W.e.f March 2007, they reduced my points eligibility from 1 point per Rs 125 of new business to 1 point per Rs 150 of new business.

They raised my credit limits twice in last four years only after INTERVENTIONS FROM THE R.B.I's (Reserve Bank of India) Banking Ombundsman acted on my complaints. This was inspite of my then good credit standing while my friends' credit limits were raised without any such problems. Without RBI's intervention, they asked for my financial details like Form 16 and Salary Slips which is against all justifications and law.

Then when I asked them to send my ORIGINAL (credit card) statements by courier intead of postal mail due to irregular service in my vicinity, they offered me statements by email and by ORDINARY POSTAL MAIL instead of by COURIER for reason/s unknown to me. I have some of the DUPLICATE statements available for evidence. Phone calls made by me can be traced to their customer service numbers[protected] and[protected]both working 24 hours * 365 days from Gurgaon).


Recently, due to some unavoidable reasons, I was unable to make the minimum payments for three months (July - September, 2008) since I was in USA on an official trip (September and October, 2008) and was in a preparatory mode during August. Even then, 4 payments totalling Rs 4, 000.00 was made be me. I admit that during this time, some heavy purchases took my billed amounts (unpaid liability) on this credit card to apprx Rs 84, 000.00 (Indian Rupees Eighty four thousand only). They did not send my bills for September and October to my billing address in defiance of my instructions, and, instead of the bills, sent in recovery calls in defiance of RBI guidelines from unknown numbers.

The interest payments, late fees and government taxes on such interests and late fees during June - October 2008 have totalled more than Rs 11, 000.00 (Indian Rupees ). Added to this, they have declined to give the points for the new business generated during the billing month ending November 21, 2008 for "non-payment of dues".

I want action as follows :

(1) The entire late fees +interest + applied taxes from June 2008 - November 2008 (Rs 11, 200.00 appx) be removed and reverted back to my credit card & all negative remarks (if any) in my credit report/s sent to CRIBIL be expunged under written intimation to me;

(2) My credit limit be raised from the present Rs 1, 88, 000.00 to Rs 4, 00, 000.00;

(3) A cash compensation of Rs 5, 00, 000.00 (Indian Rupees Five lacs) only to be sent to me by way of a Demand Draft payable in Delhi at my communication address;

(4) My address for communication be changed (after they call me at my mobile # [protected]) to SRD 4D, Shipra Riviera, Indirapuram, Ghaziabad-201010.

I may be called on my mobile phone # [protected] anytime any day.

Thanks & Regards,

Indrajit Tarafdar