[Resolved]  Citibank — Unethical Interest Charges levied

Address:

Ghaziabad, Uttar Pradesh

Just highlighting the unethical way of charging interest to the customer by CITI Bank. Myself, Mohit Kumar, using citi bank Indian Oil card (XXXX XXXX XXXX 4246) for more than 1.5 years now. There was a delay in making the credit card payment through their Credit Card Bill Payment Utility as there was a technical failure at their website during the last weekend night at around 10:30PM. After trying continuously for about 30 minutes, I stopped trying hitting as it was giving some page refresh error. On next day evening when I viewed my Statement online, I found few transactions pertaining to Interest charges in my statement for month of March'12 which I consider totally unethical (~ Rs 6000 + 700 Taxes) as there was some technical failure at the Website's end and thus was unable to make the payment followed by calling to the customer care department with no appropriate help.

Now when I tried talking to the customer care officer for waiving off those charges that were incurred, I got to know the completely different story. They say that according to the new policy dated 1st Jan 2012, no waiver would be given to the customer. I really don't understand why they talk about the policy which should not come into picture when somebody is charged so heavily for which he has no fault on his end. It was entirely a technical issue and history says that I, myself have never been a defaulter in the past with CITI Bank while making the payments.

I don't know why some of the Customer Care officer whom I had a word were able to understand the technical failure and accepted that there are such outages and would look for the reversal. But when I got a call from Chennai office, I got to know that the reversal would not be done which was quite annoying.

Request CITI Bank senior officials to look into this matter at the earliest as the services of such kind would never be expected from the group called CITI.


Regards,
Mohit Kumar
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