Citibank Complaints & Reviews

This is a weird incident, and I believe I need to suffer due to my own negligence.

I had this credit card way back in 2006.

It was stolen, I made an FIR, lodged the same to citibank, post which I discontinued it's services, as in completely discontinued any relationship with Citibank.

However ironically after more than 3 years, that is sometime around 2009, I started getting calls from some DSA who started claiming the amount with interest and all.

I asked these people to come and meet me which they never did. They kept making threatening calls to me and my parents at my hometown. This went on for a week or so then it stopped.

Now after a year this crap has started again.

My question is:- After making all complains and going through the necessary process, why did the bank sit quiet for so many days?

Secondly even after submitting my details and FIR copy why did the abnk kept harassing me?

In this line of complain, I admit there were major flaws from my end as well:-

1. Since after this issue was over, I didn’t feel it a point to maintain those copies (FIR and details of credit card), and now I pay the price, How will I know that I may need it like this after three years?
2. Worst, now I do not even remember the number of the credit card. All I have is my name to give to Citibank. It’s “Anirban Roybardhan”. Can you please track my case down with just my name? It was prepared while I was staying in Mumbai, now I am out of that city, post a transfer. Had I been aware of this, I would have bothered to keep my unuseful papers with me as well….. Anyways now I have learnt my lesson, and ensure I keep my details with me all the time.
3. My issue is, can Citibank help me to get rid of these calling from “[protected]”? Some Dipika keeps calling from here since the past two days and had been making calls at my office branch in pune and Mumbai.

I am a priority banking customer with Standard Chartered and HDFC dating more than 4 and seven years respectively, have credit cards of HDFC and Standard Chartered banks since close to six years and never defaulted in any payment ever in my life with whichever service provider it be, how can Citibank do such an error?

I would request if someone calls me up at [protected] and ends this issue at the earliest.

I understand currently with the aforesaid situation I obviously am not in a driving seat. Requested if Citi can work things out for me.

Regards,

Anirban Roy Bardhan
[protected]

Hi,

I have taken a Vodafone connection # [protected] on 19th Aug 2010 and got that activated on 21st Aug 2010 and I have all proof for the new connection.

Since the account activation I am getting constant call from Citibank for a person called Arun Pathak regarding asking me to make a payment for credit card.
I received an SMS for some card# ending with 4002 of a payment amount due of Rs. 51770.97 on my new connection.

I have informed them constantly and even called up their customer support team that they should update their bank records that the number doesn't belong to the above mentioned persons and every time they are calling they report that they have updated the records but still I am getting constant call harassing me and threatening me to make the payment.

Please advice how should I take a legal action against this.

Thanks
Debika Chakraborty.

I have taken a personal loan of Rs. 1.00 Lacs (loan account no.[protected] from your bank for 36 months (EMI Rs.3,615/-) starting from 5th May, 2008.

Today one executive called me and informed for an bouncing charges 225/- of my ECS due to some technical reason in HDFC bank. This is 2nd incident with me.

In both of cases i have sufficient fund in my bank account, there is no fault in my side.

Requesting you, please wave off this bouncing amount 450/-.

I must also mention that I won’t be responsible for lapse in payment of EMI in the future until the amount of bouncing is waved off to me. This shall be considered as a warning / intimation of the misdeed conducted by your bank.

Regards

Mahender Singh

Respected Sir/Mam,

With Reference of above Subject,My name is Ramesh Chand Sharma,I have a Credit Card of Citi Bank. Card No. is [protected].I have settle this card in Jul 30,2009 with the payment letter in 3 Monthly installment of 31000/- when i completed my all payment that show in your letter then why my name show as defaulter in CIBIL.So pls look the history of payment & pls withdrawn name form CIBIL.

Payment History
1.Dt 18.08.09 Chq no.-000105 Amount 3000/- from YES BANK
2.Dt 15.09.09 Chq No.-277423 Amount 14000/- from HDFC BANK
3.Dt 15.10.09 Chq No.-277424 Amount 14000/- from HDFC BANK

Regards & Thanks
Ramesh Chand Sharma
Mob:- [protected]

OUR CITI EDC MACHINE ( MERCHENT NO[protected] IS BLOCKED SINCE YESTERDAY .WE HAVE NO INFORMATION FROM BANK. PLEASE LET US KNOW WHY IT IS BLOCKED & WHAT SHOULD BE DONE TO RELEASE THIS. PLEASE REPLY TO [protected]@ith.co.in

Dear Sir/Madam,

I am a credit card holder in your bank and my credit card number is [protected]. I have cancelled this card after so many efforts before two months, but there is outstanding on my card which i need to clear.
At the time of card closer i was given an option of making the payment in installments for which i need your EMI facility. Now since last two months i am struggling with your phone banking as well as collection team but i found them hopeless. Everyone hang up with an assurance of call back. However no one call me back. Kindly assist me. My contact no is [protected] or I will appreciate if you can discuss it with my wife, as during officer hours it will be difficult for me to speak to you. You can reach her on[protected].

Waiting for your reply,

Parag Raut

Due to my bad performance for four months (July - Oct 2008), my two credit cards' limits were lowered from Rs 1,88,000.00 to
Rs 30,000.00 w.e.f 1st March 2009. Priorto that, my benefits points were reduced by 25% (1point = Rs 150 against 1point = Rs 125 earlier) w.e.f 1st March 2007; my credit limit was raised four times between Sept 2004 - Jan 2008 after RBI intervention - otherwise, they asked for my Form 16 and pay slips to raise my credit limits inspite of no such prevalent rules just due to " internal rules".

They confirmed to me in writing in 2006 that they would stop sending promotional emails - the same is continuing in a new unique way - the incoming promotional emails appear for some days in my email address and then self-delete and disappear permanently.

All this has put me to a great mental pain and agony which cannot be quantified in money terms.

I request an inquiry and a compensation of Rs 1.50 lacs from Citibank for all this anti-consumer approach.

I may state here that Citibank operates in India through a Head Office in Chennai and branch offices in only major cities (mainly metros - Delhi, Mumbai, Kolkata, BAngalore, Hyderabad and some other cities).

Recently I came to know that my name is appearing in CIBIL defaulter list which reported by Citibank against account number [protected]
.
I was the joint account holder with mentioned account number and my father is primary account holder. He had over withdraw Rs.20000 from this account. He had done the payment of the same( I have settlement letter with me) and requested for account closure. Account is still not closed and its showing Rs.7000 as negative balance. Please let me know how I can resolve this issue.

Hi,

I took loan for 32,000 in citi finanical in the year of 2007. I paid fully by cash. Now my EMI has been closed in the moth of june 2010. I asked the executive to bring the NOC, but he said first you pay the amount i will provide the NOC. I said you bring that certificate and then i will pay the last EMI. But the executing has spoken to me in vulgar words that could not be tolerable.

I took 32,000 but i paid more than 65,000 in 3 yrs. Still they are disturbing me, i am mentally got upset.
Please do the needful.

With reference to the below mail received from CITI FIANCIAL on 5th August wherein it has been clearly mentioned that the company has decided to extend my loan tenure to 2 years. And now they are regretting on their inability to act upon my request. I don't understand being a financial company why don't they understand a customers financial problem .

Nobin Taye
[protected]

Dear Mr. Taye,
This is with reference to your mail regarding your Personal Loan facility with us wherein you have intimated about your inability to repay.
In this regard, we would like to share with you that we had referred the matter to our service officer at the concern department. As per the feedback received by us, we would like to share with you that the Company has decided to extend your loan tenure 2 years. We would request you to keep paying the installment money to us.
In case you require further clarifications, please contact us through any of the channels mentioned below. Also, kindly quote the aforesaid Loan Account Number in all your future correspondence with us.
Assuring you of our best service always.
Thanking you
Customer Service & Quality
CitiFinancial Consumer Finance India Ltd.
E-mail us at : [protected]@afsindia.com
Write to us at: CitiFinancial Customer Care, Post Box No.-3548
Call us at:[protected]*. MTNL and BSNL users can reach us at our toll free number[protected]
Visit us at www.citifinancial.co.in
Fax us at :[protected]
*Landlines from Delhi: Dial direct number; from outside Delhi: Prefix 011
*Reliance Mobile: Prefix your respective city code; Other Mobiles: Prefix 011
*From locations outside Delhi/Non Reliance users: Charges applicable
________________________________
From: nobin taye [mailto:[protected]@yahoo.co.in]
Sent: Wednesday, August 04, 2010 1:32 AM
To: We Care
Subject: Re: Loan Account Number 16258894

This is a long pending credit card since 2005. Though i made all the payments which were actually the interest being leived for on some annual charges. Despite the fact that they took the amount in few EMIs they are still sending me letters with pending amount.
As promised they have not yet given me NOC, infact have been harassing me with more pending amount.

It is a request to please get this sorted.

Regards.

sir
i have citi bank credit card no.[protected].ASHUTOSH TIWARI
but today i checked my ac. then i come to know that every month some amount has been deducted from my ac. without my knowledge. i was not using that card from june 2010. but june and in july automatis transactions r going on. i m giving u these details.
reference no. date name of site amount
[protected] june 6 2010 CS-CTRL.COM 1465.74
[protected] JULY 6 2010 HELPCS247.COM 1456.95

I HAVE NOT DONE THESE TRANSACTIONS.SOMEONE IS MISUSING MY CARD.SO PLEASE TAKE ACTION ON THIS MATTER .ITS A GREAT TROUBLE FOR ME.
ASHUTOSH TIWARI

Dear Sir

I have already sent my request many time to citi bank for increase my credit card limit but same reply i received from last two years to till date. pls tell me anybody wat can i do ? i Have also SBI credit card . SBI increase my credit limit two time with 2 year without my request. but CITI BANK after request not responding in this regard.

i am not satishfy with citi bank service


Harjinder Singh
[protected]@yahoo.com

I am Vijay Kumar, working for Tecnotree having CITI Bank account, Acct. No. [protected]. On 12th July 2010 I transferred sum of amount Rs. 5,000.00 (Five Thousands only) to Acct. NO.[protected] Syndicate Bank , Adoni (Andhra Pradesh). The amount has been debited from my account and not credited to the other account. Regarding the same I spoke to the CITI Bank Customer Care executive on 14th July 2010 and they had given me a Ref. No. 8978 saying that this issue will be settled on or before 23rd of July 2010, but it is not settled and on 24th July 2010 again I called the Customer Care executive (Divya) and detailed her and she update with the same reference number 8978 and informed me saying that she will confirm within two days but till now I didn’t receive any update from CITI Bank. Again, I raised a call regarding the same and the CITI Bank Customer Care executive said they will call back on 28th and let me know for the first time I received a call from CITI Bank Customer Care executive and asked for some more days and they promised me to transfer the amount to the benificary account before 5th August 2010 but the issue remains same.

Even I checked with the Syndicate Bank , Adoni (Andhra Pradesh) with the UTR.No. CITIN[protected] provided by the CITI Bank they confirmed that the amount has not received.

Hence, I request you to please do the needful.

KINDLY CHECK THE EMAIL CONTENT BELOW -

THESE CITIFINANCIAL PEOPLE ARE SUCH IRRESPONSIBLE & IRRITATING !


[protected][protected][protected][protected][protected][protected][protected][pr...⇄
Dear Citifinancial Head

[protected] this no.is not working. nobody ever picks up this phone.

Mr Paritosh - This person never responds correctly and disaapears for days inbetween.

No letter of closing the loan has been recieved till now.

Is there any responsible person in Citi finacial, this has been my repetitive plea, who can handle the case and close it asap.

Thanks
BR

[protected][protected][protected][protected][protected]


On Thu, Jul 15, 2010 at 7:32 PM, We Care <[protected]@afsindia.com> wrote:

Dear Mr. Chopra,

This is in reference to your mail regarding your Home Loan relationship with CitiFinancial wherein you have raised concerns on the pre-closure of your loan account.

In this regard, we understand that our branch official has already spoken to you and has provided you with the requisite information regarding the preclosure of your loan account. Incase of any other doubts or service required, we request you to get in touch with our Collection Manager, Mr. Pritosh Airee at[protected], and help us to resolve your query at the earliest. Further, we express our regret towards our inability to act upon your request regarding waiver on the interest in your loan account.

Mr. Chopra, we hope the above actions have addressed your grievances to your fullest satisfaction. Further, we would like to mention that CitiFinancial is committed to setting service standards which are completely aligned to surpassing our customers’ expectations. It is our endeavor to effectively listen to our customers, ensure prompt support to address their grievances and provide them exceptional customer experience. If our interface left you with an impression to the contrary, we express our regrets and hope our future interaction will fully restore your confidence in our services.

Alternatively, you may contact us through any of the channels mentioned below. Also, kindly quote the aforesaid Loan Account Number in all your future correspondence with us.

Assuring you of our best service always.

Thanking you

Customer Service & Quality
CitiFinancial Consumer Finance India Ltd.

E-mail us at : [protected]@afsindia.com
Write to us at: CitiFinancial Customer Care, Post Box No.-3548
Call us at:[protected]*. MTNL and BSNL users can reach us at our toll free number[protected]
Visit us at www.citifinancial.co.in
Fax us at :[protected]


*Landlines from Delhi: Dial direct number; from outside Delhi: Prefix 011
*Reliance Mobile: Prefix your respective city code; Other Mobiles: Prefix 011
*From locations outside Delhi/Non Reliance users: Charges applicable
________________________________

From: Deepak Chopra [mailto:deepak.[protected]@gmail.com]
Sent: Tuesday, July 13, 2010 10:03 PM
To: We Care
Subject: Re: Loan Account Number 2224179



Dear Sir/ Madam


Lalit Sardana is not at all a responsible executive.He has been mishandeling the case from too long now. Lalit is use to make fake promises and commitments. We would not like to discuss anything with Mr Lalit anymore. Kindly hand over this case to some other responsible executive.


Moreover after previous mail to 'we care' mail Mr Paritosh visited on 9th july and promised pre-closure asap and said he will be back in couple of days with final settlement statement. But Mr Paritosh also disappeared after that.


Is there some kind of nexus of Mr Lalit in Citifinancial? So much Big that people like Paritosh are also removed and nobody else can handle the case except Mr Lalit? Is Mr Lalit the final authority of Citi financial?


IS THERE ANY SENIOR AUTHORITY AWAKE IN CITIFINANCIAL? IF YES THAN WHY MR LALIT IS BEING AUTHORISED TO HARAS THE CLIENTS ? IS HE THE ONLY EMPLOYEE OF CITI FINANCIAL... DOESN'T CITI FINANCIAL HAS ANY EMPLOYEE OTHER THAN MR LALIT


We would not like to go to Court of Law, RBI or Consumer Forum and waste ours as well as your precious time. It will be better if case is handeled responsibily from your end by some responsible official.




Awaiting Rejoinder

Thanks

Best Regards

[protected][protected][protected]


Dear Mr. Chopra,
This is in reference to your mail regarding your Home Loan relationship with CitiFinancial wherein you have raised concerns on the pre-closure of your loan account.
In this regard, we understand that our branch official has already spoken to you and has provided you with the requisite information regarding the preclosure of your loan account. Incase of any other doubts or service required, we request you to get in touch with our branch official, Mr. Lalit Sardana, at the below mentioned address and help us to resolve your query at the earliest
CitiFinancial Consumer Finance India Ltd.
21, LSC Push Vihar
New Delhi - 110062
Mr. Chopra, we hope the above actions have addressed your grievances to your fullest satisfaction. Further, we would like to mention that CitiFinancial is committed to setting service standards which are completely aligned to surpassing our customers’ expectations. It is our endeavor to effectively listen to our customers, ensure prompt support to address their grievances and provide them exceptional customer experience. If our interface left you with an impression to the contrary, we express our regrets and hope our future interaction will fully restore your confidence in our services.
Alternatively, you may contact us through any of the channels mentioned below. Also, kindly quote the aforesaid Loan Account Number in all your future correspondence with us.
Assuring you of our best service always.
Thanking you
Customer Service & Quality
CitiFinancial Consumer Finance India Ltd.
E-mail us at : [protected]@afsindia.com
Write to us at: CitiFinancial Customer Care, Post Box No.-3548
Call us at:[protected]*. MTNL and BSNL users can reach us at our toll free

[protected][protected][protected]

Dear Sir/ Madam

I want to immediately pre-close my loan 2224179.

Behavior of collection officer is not at all satisfactory. As he makes false commitments every time due to which my reputation and C Bill status is being sabotaged continually.

Please refer to various request numbers - 09/11/09, 28/06/10, 18/06/10, 29/06/10 registered through various telecon calls.

As per disbursement given at the time of sanction, outstanding on 05/04/10 reflects as - 2,44,188.42/-
but somehow current statement reflects the outstanding as on 05/03/10 as - 2,74,019.38/-
& after that 5th April 2010 Emi has already been paid.

Total outstanding balance is not clear at all.
I would request you to kindly waive off any extra charges levied on my account and INFORM ME ABOUT THE FINAL PAYABLE AMOUNT IMMEDIATELY.

Please close this issue asap, payment is absolutely ready with me.

I want this issue to be handled by some professional responsible person if any left in your organisation.

Awaiting Rejoinder

Thanks
Best Regards

Hi,
In 2002 , i was an employee of Metlife and it was having salary account with Citibank. Metlife rightly changed the corporate account to HDFC. I had withdrawn all my money from Citibank salary account and requested to close it. They activated overdraft facility without my consent and have been charging me interest for past 8 years. As per banking rules they should close my account when i have made no transactions for past 8 years. IT IS THE WORST BANK ON EARTH.

Hi

I have used citibank credit card. Now the when the recovery agents in Chandigarh, came to my place, said i can go for settlement, they did inform me that I have to pay Rs 40,000 also need to pay them an amount of Rs 5000 (for their own use). Recovery agents are really forcing me to pay Rs 5000 extra. I have agreed to pay them Rs 40,000. Dont want to pay them Rs 5000 as its going in their pockets not paying to the bank.

Citibank has been very sly on the home loan they sold us. The loan was on fixed interest scheme, but the Citibank authorities have cancelled 'fixed' on the application and terms and conditions document and have been charging floating interest rates. As a result, the EMI amount keeps changing every month. Citibank officials refuse to acknowledge, admit or even given in writing whether the home loan is on fixed or floating rate.
For the longest time, they refused to explain why this was the case. Also they never sent periodic statements on payments made/received, balance, etc. After very many calls and letters and reminders have they started sending loan statements.

Dear Ms Makkar (VICE PRESIDENT, CITI BANK ),

THANKS FOR AUTO REPLY TYPE EMAIL BUT PL KEEP IN MIND THAT MY SON WILL FLY BACK FROM AMSTERDAM ON 29TH JULY. I APPRECIATE THE TIME BEING CONSUMED IN VIEWING THE MATTER AT VP LEVEL BY KNOWING THE FACT THAT I APPLIED FOR ADDON CARD IN JUNE FOR MY SON WAS TO TRAVEL ON 16TH JULY FOR TWO WEEKS TO AMSTERDAM. NO DOUBT TO TAKE MORE THAN ONE MONTH TO MAKE A ADD-ON CARD IS NOT SOMETHING UNUSUAL AT CITI BANK.

FYI SBI / BANK OF BARODA / VIJAYA BANK TAKES RATHER DELIVERS THE CARD IN FLAT 5 DAYS. PL REVIEW THE LENGTHY PROCESS IF YOU WANT TO IMPROVE ON CUSTOMER SATISFACTION.

I PERSONALLY FEEL AGAINST YOUR PUNCHLINE "CITI NEVER SLEEPS' AND HENCE MY OBSERVATION HAS BEEN THAT YOUR STAFF IS ALWAYS SLEEPY AND DELAYS THE NORMAL SIMPLE JOB. THIS IS NOT THE FIRST TIME SUCH INORDINATE DELAY HAS HAPPENED. I HAVE FACED SIMILAR APPENDED DELAYS EARLIER AS WELL. FOR YR INFO SAKE ONLY:

1) I WANTED TO OPEN NRI ACCOUNT AND CITI WHICH TOOK THREE WEEKS TO PROCESS PAPERS AND IN THE PROCESS I WENT BACK TO GULF, CITI LOST ABOUT 8 LACS SAVINGS PER MONTH.

2) DURING MY 3 WEEKS VACATION IN USA THIS MARCH MY PLATINUM CARD WAS NOT WORKING, CITI TOOK TWO WEEKS TO MAKE IT OPERATIVE INSPITE OF VARIOUS TIME LINES GIVEN TO ME BY MS. LAXMI THE CC MANAGER. I SPENT RS 18,000 ON PHONE CALLS TO ACTIVATE MY CARD ASAP, BUT JUST THREE DAYS BEFORE MY RETURN MATTER WAS LOOKED INTO. CITI BANK DOES NOT KEEP TIME LINES AND ALSO IS NOT CONCERNED ABOUT THE URGENCIES IF REQUESTED BY THE CUSTOMER.

3) THIRD CASE IS WHEN I WANTED TO OPEN RS 40,000 PM RECURRING DEPOSIT WITH CITI BANK, ONCE AGAIN MATTER WAS GOOFED UP AND I OPENED RECURRING ACCOUNT WITH SBI FINALLY .

I THINK THE WHOLE SYSTEM IS FAILING IN CITI BANK AND HAS BECOME EXTREMELY GALVANISED TO CUSTOMER CARE/REQUESTS OR IS ENGULFED WITH SERIOUS RED TAPAISUM MORE THAN THE NATIONALISED BANKS. NOW I FEEL I MUST NOT BE THE ONLY CUSTOMER FEELING HARASSED BY THE INEFFICIENT STAFF OF CITI BANK, ITS THE CULTURE WHICH IS BEING REFLECTED IN THE REPLIES.

Best regards

Madhu Sahni

Dear Sir,

I have been having worst experience with Citibank. I am holding a credit card of Citibank. One day I got a call from Citibank's representative at Chennai and he informed me about health insurance policy. I had clearly asked him to send me the details of the policy and start crediting me the premiums ONLY AFTER I go through the policy details and give my consent. But they started premiums without my consent. I raised this issue with their officer and despite his assurance, this never get solved and they kept on crediting insurance premiums and its interest. Please let me know what I can do in this case.

Thanks,
Nikhil B. Kulkarni
Mob: [protected]