Citibank Complaints & Reviews

Sub: Regarding the Minimum balance in case of savings account.

Citibank has recently changed the minimum balance requirement for savings bank account as 1,00,000. Is there any guideline for the banks in changing to such huge muminum balances (including the foreign banks)

Is this chainge, with the approval of from the RBI. (huge minimum balance of 1,00,000)

Can this be minumum balance justifiable to any banks (including the foreign banks) operating in india with indian customer.

My openion is that
- If the max limit for this is not laid down, the bank can go to any extent of changing this to any limit (may be 5 lakhs tomorrow)
- Alternatively If such huge max limit is fixed by the banks, a rule/guideline should be laid that such banks who charge more than maximu prescribed limit should also ensure that the customer is getting rate of interest @ Fixed deposit rates for that minimum banlance maitained beign fair to the customers.
- This should be taken up with the RBI to provide some guidelines to all indian and foreign banks to make the maximum limit appropriate to the indian customers.

Thanks in advance for taking appropriate actions in this regard and respond to my complaint.

Thanks and Regards,
Amarnath

Sir,

Sub: False claim in my Citi Bank credit card by INDIAIDEAS.COM-MSEB

I have never heard of this portal/company INDIAIDEAS.COM.

i have received a message alert from Citi Bank stating " Rs 1064.17 was spent on your credit card INDIAIDEAS.COM-MSEB @ 06-JAN-2013 17.30:58 PM".

i have not at all used online transaction yesterday i.e.06.01.2013. only after receiving this sms i have checked my account online and blocked my card.

Can anyone please help me to get rid of this nonsense portal?

Else, please let me know by any way I can lodge a complaint with concerned authorities.

Regards,

Asmita Gamot

I have a savings bank account in Citibank N.A, MG Road, Bangalore. From last 3 months I am getting calls from citibank to buy their products like credit card, personal loan etc. I have told them multiple times not to call me but they do not stop. I am really tired of it and dont know how to stop it.
Sometimes, they even call me multiple times in a day, when I am in meetings disturbing me. Also, they call me when I am on roaming, which costs me money. The number from which they call me are like:[protected] etc.

Somesh

Dear Sir/Mam,


This is bring to your kind attention I am Vishwajeet Patel, A/C No. – [protected], has been withdrawal the money Rs. 6800/- on 7the September 2012 but money was not withdrawn and he got the updation regarding that particular deduction , then he raised a query regarding same and the query no. is – [protected], after i have received temporary balance but this time my account minus balance of Rs. 6800/- , please do your attention and needful as well at your earliest.

I have so many time complaint citi bank Customer care but not solve my problem immediately.

Please action agaist citi bank.




Thanks & Regards,
Vishwajeet Patel
Contact No- [protected]
[protected]

My self kshitij singhvi. I am holding citibank premier miles credit card. Wide no [protected], I am using the same card since its inception..but this time I am finding myself in dark.....nobdy is replying properly....I have called 50 times...either they keep my card on hold or simply revert back.I have paid 2 lac rupees , same was debited in my IDBI bank, my account is PAYABLE AT PAR, this is routine practise...earlier I didn't face any problem. My cheque was cleared on 3rd december 2012, till today same is not credited to my account. They are telling me yours cheque was outstation cheque due to this reason this is taking much time....I have clearly explained them...but they are not listening...
Please help me out by way of compensiation or written apology letter...this is their mistake ....I won't leave them for such type of harrassment

Kshitij singhvi

Please inform me that the lottery is true/fake, kindly, details in below :

Citi National House,
2 Triton Square, Regent's Place,
Surrey, KT138UA, United Kingdom.

Tel: [protected]

Dear Winner,

You are welcome to Citi Bank Plc an affiliate of the Uk National Lottery International. We are pleased to be at your service. Citi Bank Plc is Regulated and Stipulated by the Financial Service Authority (FSA)., The financial institutions that Govern all Financial activities in the United Kingdom.

After receiving confirmation from the Uk National Lottery that you are one of the Promo Winners, we are presenting you with the following options with which you would prefer to receive your winning funds of £1,000,000.00 Pounds in our possession. You are to make your preferred and affordable choice from the options listed below. for us to remit your funds to you in your country.

Citi Bank Plc Options

FIRST OPTION

BANK TO BANK TRANSFER: This is the Direct Bank Transfer that will enable you receive your money in any account that you will provide for this Bank to effect the transfer of your winning funds as it is always done electronically and it will take 3 WORKING DAYS to reflect in the account that you shall provide.

Bank Commission:......£45
V.A.T:.....................£65
Insurance:...............£170
Total:.....................£280 Pounds
::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::...⇄

SECOND OPTION

Dispatch Of An ATM CARD: You shall receive an ATM CARD which your winning prize has already been credited into. Once this Card is given to you, the funds can then be withdrawn in any bank in your country. However a courier company which is also an affiliate to the Uk National Lottery, will deliver the ATM CARD TO YOU AT YOUR DOOR STEP.

Max Delivery Duration:..48Hrs
Mailing/freight cost:.....£47
Handling Fee...............£35
Insurance...................£120
Vat...........................£55
Total:.......................£257 Pounds
::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::...⇄

THIRD OPTION

Delivery of your winning draft/check
DHL UK Home
72 HOURS DELIVERY
Mailing: £40
Insurance: £150
Vat: £50
TOTAL: £240 Pounds

Delivery of your winning cheque ,winning certificate,together with all other documents to cover your winnings will be delivered to your door step by DHL within the next 72hrs.
::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::...⇄

Please respond to this email by making a selection from the options above. Citi Bank London, is committed to rendering qualitative services to you, So if you are ready to make the payment for any of the OPTIONS above, you are expected to notify this office with the specific option so that we can provide you with the payment details.
Contact the undersigned to be privacy for further clarification. For any help and problems do not hesitate to contact us.

Your urgent reply will be most welcome.

We look forward to serving you better.

Best Regards,
Mr. Martins Bregman
Chief Operation Officer Citi Bank London

Hello Team,

This is in reference to my credit card no. [protected] and Letter
ref no. ST110326TH17131756.

As per my discussion with Citibank and letter, my account status
should show as "Null" in the Credit Bureau so that I do not face any
issue in future loan or credit applications. Based on that I paid
double amount of my credit, i.e. my credit was for Rs9,000 which
turned into Re18729.56 with interest in a span of year and a half
roughly.

But my loan applications have been rejected thrice in a span of one
and half year since it shows that I am a defaulter for the credit card
no. Despite agreeing upon all terms and conditions, now I am unable to
apply for any loan in HDFC or ICICI banks.

I seek help in this matter. Request you to consider this email and my
grievance and provide any solution so that I can apply for loan.

Please find the attached scan copy of my letter as well.

Regards,
Suneeta Patra

I am posting this complaint here for the people to really understand the nature of Citi Bank.This was the email that i mailed them after i had that bitter experience with them.

Respected whom so ever it may concern,


SUB:( My Respect for Citi Bank got trashed in a matter of few hours at your Bank MG Road Bangalore. Your customer service executives don’t have manners. We account holders at your bank are your customers not beggars to treat us in such indecent manner).


My Account Information with Your Citi Bank.


C I T I B A N K

B a n g l o r e

A / C :[protected]

A T M :[protected]

I F C S : C I T I 0 0 0 0 0 0 4

I D : h a n i i s m a i l

Today the 27th of November 2012 I had a reason to approach your office at Bangalore MG Road. I needed a cheque book with my name on it so that I can use it for getting the Provident Fund from the old company I worked for. Your customer service representative were so rude to me as if I and the other customers were there to beg.
I just wanted you people to understand that your bank is running a business because of we customers and I expect a warm behavior from you guys. The lady who assisted me asked me to get up from my seat and move aside as if I was illiterate(I would like to tell you that I may be more qualified or less qualified than her, I didn’t put up any bad character there, I hold a B.Tech Degree in applied electronics and instrumentation Engineering).
My mannerism didn’t let me shout or howl at her. I just did as was told. Then a thought dropped in my mind. I was a good customer of your Bank and used to tell my friends that Citi Bank had healthy banking relations. But this incident and the way she talked made me think. I never knew I was banking with indecent people. Initially I told her I needed a cheque book but then I ended up closing my account with Citi Bank on sport decision that I could not digest the behavior of your representatives. I don’t know if you train them to be that way or they are behaving in this unprofessional manner because they don’t fear anyone. I made it a point to write to you just to make you aware that I was not at all happy with banking with you and I will never come back to you.
Everything in the world has got ethics. Unethical things not accepted.
A copy of this mail that I am writing to you will be published at consumer Court forum over the internet just to make the people of India aware that the so called Citi Bank is not so decent in its ways as it seems.
If I would have not told so much I would not get any sleep tonight.
There is an attachment of my closure request form.
Citi Bank when you go rich. You may feel rich and other people may seem to you as irrelevant but it is that customers of yours that made you rich. So never forget that footstep as you go higher. Ashamed that you have an office at our great Mahatma Gandhi Road Bangalore. If our Mahatma Gandhi would have been alive he would have chuck your bank to Uganda. Don’t worry, my curse is there on your bank. You guys billed me penalty 4 to 5 times .I paid them each time and even today thinking that you are not running a charitable trust, so I am liable to pay the amount demanded by you. But I never expected bad behavior.

Signing off.
Hani

Dear sir,

I have applied a personal loan for 3 laks in citibank, chennai branch on 2nd of november 2012.

and all the procedures completed and I signed the loan agreement also, but till date there is no response from bank,

and the money also not credited in my account.

please do the needful

S.Nagarajan
ph:[protected]

I wonder if my complain will be addressed and resolved by the consumer forum ?
I am getting the statements by the CITI bank wherein the disputed interest amount which is unpaid has been increased despite the fact that the said card has been cancelled by me and the bank has been intimated but I don't understand when this case will be tackled and resolved ?

Anand Kumar

Dear sir,
I was dealing with Citibank bank for auto debit and Citibank bank had not given any intimation for same registration with sbi also and For any ecs (auto debit) facility beneficiary will be responsible for mandate registration which I have already submitted to Citibank chennai addressYes if there is signature mismatch or fund insufficient or details mismatch only in this case customer will be responsible ,I m using Citibank credit card net banking also and there is showing registered before one month of due date
But still Citibank has charged me Rs.600 for late payment so please take action and help me for charges reversal
Credit card no.-[protected]

Thanx & Regards
Anugrah Singh
[protected]

I am using city bank credit card since last 1 year. And lately I came across an issue where I was charged late fees of Rs.600. I get my money on 7th of every month and with that money I planned to pay my credit card bill on 8th of every month. Now when I was applying for the card the executive told me that the due date would be 8th and I would not face any issue. But few months before when i was charged late fees I called up the customer care and asked them abt the same, they agreed to adjust the amount. And i didn't checked inn if they really did adjusted the amount. this happened 2 to 3 times and i told them my problem. Now when the same thing happened I called the CSD team on 8th Oct 2012. They said that they will not deduct or adjust the late fees, and the due dates vary every month. And while talking to that executive he asked me to change the billing cycle and so that i would not face any problem...

My issue is if there was such option where a person could select or adjust his billing cycle, then why didn't they communicated this to me before. Why didn't they told me to opt for this option when i called the CSD team. If they would had asked me to change the date that time only, then i would had not faced this problem. And now when some manager called me to give an explanation he said that "The customers them-self should ask the customer care executive and ask for the change of plan or the due dates". [censored]r if the customer doesn't know about the plan then how the hell is he gonna ask for the plan. It should be you who from your side should communicate about this to the customers. And if you yourself as an Customer Care Executive don't have any idea about the policies and stuffs, I guess "Just quit the job and go sell peanuts at Band Stand" cause that doesn't require any brains and that the perfect place for pplz like you to work at.. Stop fooling peoples and make hole in their pockets.... If you feel that your organization is running short of funds then just beg for it to the customers they would be OK to give you some amount then to get looted by you'll like this....

I felt that this MNCs would have a better system in place and good services but feels like the Indian Banks are far better then you'll. They might have less to offer but at least they don't cheat their customers.....

There would had been a lot of words with ***r*s and all but since its a public forum I have restricted myself form doing that.... Beggars.....

FROM THE DESK OF THE REMITTANCE DEPARTMENT

CITI BANK LONDON PLC,ENGLAD 332 OXFORD STREET LONDON WIC IJF, ENGLAND
E-mail:[protected]@admin.th.in
Your Ref: (TRANSFERCODE #090) /2009/RSA/0011107

Dear Sir,
BENEFICIARY :Amit Bhanot,

This is to inform you that we the CitiBank of London .We are here to inform you that your fund US$6.200,000.00 have been approved by the Board of directors of these bank and Barrister Graham Atkins who was here this morning at our Branch in London to present your file and endorse on some legal payment documents. You are required to send a copy of your id card , Affidavit of claim certificate from court and the deposit certificate .This is for security reasons and logistics involve in transfer of such magnitude.

Secondly, we don't want any delay ...

Re-Confirm The Following Bank Account information of yours:

Bank Name:...........................
Bank Address: ........................
Bank Account No: ........................
Routing number:...........................


You should send the above information urgently to us because your payment is ready and after you must have finalized with us , your fund $6,200,000 will be remitted into your provided account on the same day without any problem .We are here to serve you better . We are sorry for the death your brother ( Simon Bhanot ).


Thanks
Mr. John Paul
For: Citi Bank

HI,

Few weeks back i have sent an email to the CITI bank service id for knowing the procedure for creating online passwords and i have requested them to callback on the registered no.

I have received an email with the standard procedure, with out undersatnding the query. Again i have sent an email requesting them to callback. Citi bank has not reverted and they have sent an email after three days with the standard template.

Then i have addressed to their Grievance id and have got the call after 7 days. When i have questioned them, interim email states the query will be actioned and replied with in 3 working days. Why such a delay in actioning on the email.

they simply said i apologise for not actioning on the email; i have told them if i have do not pay the payment on time and say i apoligise for the delay. Bank will not waive off the late payment charges.
they have told me, bank will not waive the charges and those charges are applicable as per bank norms.

then i have requested them to arrange a callback form the senior manager. till date i have not received a callback from the bank. ITs almost 15days.


Kindly look in to the matter and take a proper action on the bank so that other customer woould not face this kind of service

i need a compensation for giving me the mental torcher and making me sick.

Regards
Vinay
[protected]

Dear Sir,
This has the reference to my Credit Card No. [protected] for which the total amount due was Rs.25339.30 and the due date for payment was 6th September 2012 (as per August statement dated 14th August 2012 for a period of 14 July 2012 to 13 August 2012).

Out of the total dues of Rs.25339.30, I paid an amount of Rs 2000/- on 5th September 2012 vide Reference No. MT[protected] and Transaction No. E Pay MUTI[protected], which was more than the minimum amount due of Rs. Rs.1267.30.

The balance amount of Rs 23339.30 was paid by me vide Reference No. MUTI[protected] on 15th of September 2012 at 13:48:16 hrs.

Thus, if any late payment / interest is to be charged, then it has to be “on the balance amount Payable of Rs.23339.30”, for a period of 10 days, i.e., from 6th September 2012 to 15th September 2012.

Hence a total interest on balance amount of Rs.23339.30 @39.9% annually for 10 days comes out to be Rs.255.13 and SERVICE TAX @ 12.36% shall be Rs.31.53. Thus making a total late interest / penalty of Rs.286.66 only.

However, in the latest statement dated 14th September 2012, CITI BANK has levied the interest of Rs 1122.47 and the service Tax of Rs. 138.74, which is not correct.

On contacting and writing a mail to rectify the same, CITI BANK has refused to rectify it, following which I have requested CITI BANK vide mail dated 19.09.2012, to cancel my Credit card.

Meanwhile I have paid an amount of Rs 287.00 towards the late payment fee as calculated by me, Vide Reference No. MUTI[protected], Payment Amount Rs 287.00 Dated 17th September 2012 12:52:05 Hrs.

CITI BANK has acknowledge the receipt, but still insisting to pay the balance amount of interest which was wrongly calculated.

Requested to do Justice.

Regards
Anand Kumar

[protected]

Dear Sir,
I have applied for issuing Citi Bank Credit Card on persuation of Bank and application form and relevant documents were collected on[protected] by Mr.Umesh Kumar on behalf of Bank on their instructions.After a lapse of 20 days nothing could be known to me.It appears that no action has been taken by Bank.Kindly look in to the matter and do needful.
Thanks
Regards

Shakeel Ahmed
[protected]

Hi,

I hold a suvidha account since 7 years. On 16th morning 1.35am i did a withdrawal for 1000Rs at Embassy Golf Link Citibank ATM, where the transaction failed. Immediately i went to nearby another Citibank ATM and withdraw 1000 Rs which was successful. But the transaction slip which i got after successfull transaction shows 2000Rs debited from my account, whereas the first transaction money did not come from the ATM.

I raised the query with Citibank customer care, and i was told a temporary credit would be done by 17 sep 2012, but which was not done, on calling up customer care again i got to know they validated the transaction and the report says, it was successfull, and hence the money will not be credited.

I would like to raise the complaint against Citibank.

Thank you.
Smita

We have availed home loan of Rs 22lac and Lap of rs 36 lac. First of all we were cheated by bank for interest rate. We were told that our rate of interested is fixed but with time, they kept on increaseing rate of interest. We have taken loan @ 7.5% and now they are charging 13.5%. They have also increased the emi of 22thousand to 36000/- . Our bussiness is slashed and our combined Emi is of Rs 86000/- per month. We have request bank to decrease our Emi to arnd 50,000 but no action has been taken yet. We wish to be regular payer and as we do not have any good income we are unable to pay Emi.
1. LOAN A/C NO - 121692 - PUNEET HOSIERY MILLS PVT LTD (OD HOME LINKED PRODUCT) - LOAN AMT - 36.00 LAC
2. LOAN A/C NO - 115299 - ASHOK GOSWAMI - HOME LOAN - LOAN AMT - 22 LAC

And if continued we will not be able to pay Emi's . Kindly advise and help us.

My email address is kapil.[protected]@gmail.com

Hi.
please kindly make changes on my mailing address as follows.
And my Indian oil citi credit card number is [protected]

R.Rajasekhar,
#2, Valli street,
Kabilan Nager,
Manavalanager
Tiruvallur Chennai -602002.
pls kindly do the needfull ASP.

Regards,
R.Rajasekhar Rajamony
[protected].

Please find below detail explanation and reason of my complaint.
Respected Sir,
Request you to please get resolution on my dispute filed on 4th july 2012.Withdraw process was done from Development Credit Bank (DCB) mira road nr Deepak Hospital for Rs 10000,however only Rs 4400 was dispensed from ATM.I Have already spoken to Citibank customer care many times,also personally went to Citibank Branch,Spoke to Ravi Ramani Iyer(Branch Operations & Service Head),As informed by Customer Care Went to Police Station as well,Arranged call from Police to Ravi Iyer.
Based on their Conversation,i am sending you am complaint email about the dispute.Please arrange resolution.I am a member of Citibank Suvidha Account from past 5.5 Yrs.
Naresh Golapalli
Citibank Suvidha Account Holder.