Citibank Complaints & Reviews

I GOT A CITIBANK WORLD MONEY CARD FROM KOLKATA TO MAKE IT USE IN THE UK DURING MY STUDY. AS IT TAKES TIME TO OPEN A BANK ACCOUNTE IN THE UK, MY PARENTS PUT THE ACCOMODATION FEE IN MY WORLD MONEY CARD. I DIDNT HAVE ANOTHER CARD TO USE HERE. I GOT CONFIRMATION OF THE AMOUNT RELOADED. BUT COULDNOT WITHDRAW A SINGLE PENNY FROM ANY OF THE CASH POINTS. I CALLED THEM AGAIN AND AGAIN, THEY ASKED ME TO SEND THE SELF-SIGNED COPY OF MY PASSPORT. I DID THAT TOO. THEY SAID THAT THEY WOULD CALL ME UP. BUT NO REPLY TILL DATE. EVERYTIME WHEN I CALL THE NO ITZ A NEW GUY IN THE CALL CENTRE, I AM TO EXPLAIN IT AGAIN. I AM REALLY DISAPPOINTED WITH THE SERVICE AND SCARED TOO IN A TOTALLY FORIEGN COUNTRY. I CAN'T CONCENTRATE PROPERLY IN MY STUDIES HERE. ITZ NOT A MATTER OF JOKE. A HUGE AMOUNT IS THERE IN THE CARD, AND MY PARENTS ARE NOT BILLIONARE.

I have yet not received any Statements regarding the Pesonal Loan that i have taken from citifinacial that use to have an office in Ujjain(MP) almost an year and half back. Having requested for the same many times, still i do not have any information regarding when will I be able to recieve the Loan Statemts and other details. As a result of lack of responsibility and carelessness from your side ,I do not even know my Loan Account number, into which am depositing the return back of the Loan Amount received from our side.

I have repeatedly contacted your Customer Care and have asked them as well to log a request on my behalf that have yet not received any loan statements.

to bring to your notice, the Citi financial Branch in Ujjain, for unkown resons has been shifted to another city and there was no iformation provided for this too.

As after this i will b serioudsy taking action against the company , and sending formal notice to the bank for this kind of deficiency in service and stop payment if they don't respond with a sense of responsibility.

I hereby upadate my residential address and some

This is with regard to the issued a new credit card [protected] from Citibank, which I haven’t received on hand till date. Recently I have been getting intimations that I need to pay the premium thru the above card which I haven’t received till date, which doesn’t hold good.
The Birla Sun Life Insurance policy[protected] deduction thru my Citibank credit card without my consent. I have already raised this issue and have been following up with Ms.Shapna, (Citibank, Customer care sr. manager, Chennai)
A written letter to cancel the policy has already been submitted to the Birla Sun life insurance Office, Egmore, Chennai on 29th April 2009 for which I haven’t got any word on this till date.

Dear all/ concerned,

I held a credit card from Citibank which was pushed to me as a card with some add on features around fuel surcharges. The card was issued to me in 2006 and I used it a few times only for fuel filling purposes. I used to find the replayment of the dues very difficult due to non availability of adequate number of ATMs to drop the cheque. After a few days I recieved a letter from the bank stating that there are some dues to my account. Thy had levied some charges against it which they duly reversed on my request on payment of the dues.As per me the statement should have been closed by that time. However, to my dismay they now claim that there was some Rs 500 pending against my card which now has gone up to over Rs 8,000. I keep getting calls from collection agencies who are least informed about what is the original outstanding amount and for what purchase. I have asked the Citibank people (calling me up) umpteen number of times to let me know of what was the original payment for and to send a consolidated statement. I will be most happy to repay the principal as saving Rs 500 will not do much of a favour to my bank balances. I have not got the desired information for months now. All I get are inflated statements on a month on month basis. I do not know what to do and where to go. i am not willing to pay such a huge amount against a meagre outstanding od Rs 500 (which I still need clarity on). I had also explicitly requested the bank to cancel the card, which was again not done.

Hi,

I have been a customer with citibank for 5 years now, and i was holding a citibank gold credit card.
13 months ago, there was an outstanding of 2 lakhs on my account, which the bank offered to convert into an EMI for 24 months (charging me an extra interest, hence not a settlement) and close the card.
I agreed to the same, keeping in mind not to spoil my credit records with the bank.
A year later now, i have paid 13 EMI on time every month, however i came to know that CITIBANK has reported my name in CIBIL as a bad credit customer and has noted this balnce conversion to EMI, as a "WRITE OFF". During the EMI offer, i was never told that this would be considered as a write off.
Due to this, i have not been able to get any other loans or credit cards in the past year.
I have called their customer care a million times, spoken to a billion reps and have been told that my name is reflecting in their records as positivie, which is clearly not true.
I have no clue whom to contact or what to do , since i am about to apply from a home loan, and dont want it to get rejected on these false grounds.

Please advise.
Shashwat

Sir i am unable to know that my cheque no 462922 of Oriental Bank Of Commerce of amount Rs 600.00 dropped at "Citi Bank , shop no 3, G.F. Balaji Complex, Sector 8, Rohini, New Delhi on 7th or 8th of September 2009 is yet cleared or not ,because i haven't got massage either from Citi Bank or Oriental Bank Of Commerce.My Citi Bank cradit card no [protected].
Thanking you , Kindly reply soon.

Dear Madam/Sir,
This is to bring to your notice that I applied for CITI Bank Credit Card but after some time they mailed me and called me as well that my mobile number is in CIBIL Defaulter List and I can't be issued credit card. However I have never owned a credit card from any of the bank.

This is wrong on the part of the person who has published my Number in the CIBIL Defaulter List.
Kindly do the needful as soon as possible so that I can apply.

Best

Sharmishtha Basu

I had a pending of 80000 Rs of Credit card, I had got repeated calls from Mr. Vipul of Eserve in Delhi. He had called me up with threatening words like involvement of my family, my companies. I explained to him that my card has been used when it was stolen. However, I paid the due amount last week & asked him to clear my name from CIBIL which he assured would be done in 2 days time, However, when i crossed checked with him after 2 days, he blankly claims that he did not make such statement, He refused to divulege information of his superiors . THis kind of harassment is given inspitte of clearing dues. I wish to seek redressal & bring this to the notice of RBI act, which clearly states undue falsified information by recovery agents, harrassment to customer & other referees is not tolerable.

Hello,

I have been a Citibank credit card holder since 2003. I have been regular in paying my dues. Since August 2009 I have run into financial trouble and have not been able to keep up with my payments.

Citibank Service personnel are calling me at all times during the day for collecting the dues. Due to my financial problems I cannot at present make a payment. However I have no intention of defaulting on my credit card.

I have explained the situation to Citibank personnel and promised to make the payment when it is possible. The however are calling me at all times during the day. This has disturbed my peace of mind and I am missing calls.

What are the options available to me?
1. Does the incessant calling amount to harassment?
2. Will Citibank keep on adding interest on the unpaid amount?
3. Do I have the option to declare myself insolvent?

My problem is that I would like time to make the repayment. But if that time cannot be granted then at least the phone calls should stop.

Please advise on my exact legal position in the matter
Thanks
Rahul Hans

I am having a salary account in citibank which has a standing instruction against my citibank credit card. I bought a desktop and paid online through my credit card.
Citibank generated my statement on 22nd August and took all amount from my salary account on 24th August, this is 20 days in advance of my actual billing date 10th September(without intimation). Since then I am having negative balance in my account ans as and when some amount is debitted to my account it automatically gets swiped off.

I have been following up on this matter since and have not had any satisfactory response. No one is able to tell me the reason why the money was taken from my account early.

This is the main issue i am facing along with several other ill-communication consequences, viz;
Despite several calls by me to relationship manager, I wasn't told about the charge date for my investment plan taken from citi.

Despite several mails and requests I am still waiting for a re-issue of my lost debit card, (waiting since 50 days)
No answers to me written queries

I have received no communication within the time they specify to revert back.

Despite delayed responses they are still not answering the point to point questions that I ask.

Other late payment fees, penalties etc. have been reverted back but still the actual issues are not addressed.

Following is the mail thread :


To Citibank (all mail proofs are there, kindly see the pictures attached of the actual mail)....
________________________________________________________________________________...⇄

ISSUE: I have received the credit card statement on 22-Aug-2009. As you can see below, the Total outstanding amount that was scheduled to be taken from my account on 10-SEP-2009, was taken on 24-AUG-2009
20 days in advance.



Questions:
1. Why did my SI got executed 20 days in advance?
2. Why wasn’t I informed of any change in the billing cycle if this was to happen?
3. Even as my case in under observation my whole salary was swiped off from my account and I am left with -19380 in my account. Why?
4. My purchase of Desktop (Rs. 31631) is well in the next billing cycle. Why is it charged early?




Still I am having some issues that has kept me questioning the overall working of Citibank.

Regarding Service Level Adherence:
1. Despite several reminders and calls why did my lost debit card not re-issued to till date? (BANK SLA – 4-5 business days)
a. I had reported a lost card on 17th JULY, and received no confirmation on the same even after 3 reminders. If this was not the process I trust that the correct information should have been provided to me. I expect that the customer service representative should know all this and on top of that the relationship manager you assigned to me should be aware.
Proof- Attached are the mail communications,
i.
ii. I am not having any track of the verbal communications that I had with Citibank representatives.
b. I am waiting since around 45 days for the same and had to come over to bank and fill out the form.

2. My written requests were not responded within the timelines mentioned by bank. (BANK SLA 4 days)
a. I had received an auto reply that stated the bank will respond to me within 4 days. Your own mail states that “Should we require more time for further investigation, we will keep you informed.” – Well this didn’t happen in my case.
i. Proof
b. With all my account swiped clean don’t you think that the issue should have been taken on high priority.
i. Actual mail :
c. Waiting period 7 days

3. Reffering to your explanation:
“We would like to inform you that if the payment towards the Minimum Amount Due or the Total Amount Due did not reach on the Payment Due Date, the system will automatically generate Late Payment Charge and Interest Charges. Hence, we request you to make payment on the Payment Due date.

A review of our records indicate that we are not in receipt of your payment towards the Total Amount Due or Minimum Amount Due reflecting in the statement for July 2009. Hence, Interest Charges and Late Payment Charges has been debited to your card account. “


i. Despite several calls why wasn’t I informed about the date of my investment charges?
I had the sufficient balance to pay my credit card dues had the insurance premium not been charged on 23/07. Had I been informed about the date when my investment product would start getting credited to my account, I would have comfortably arranged for the sum.

ii. I have invested 72,000 with you as an investment. It is a huge sum according to my living standard. At the time of signing the documents I was assured that my charge would be automatically be debited from my salary (ie; when salary comes in my account , MONTH END). I had called numerous times to check that was my billing date and I was assured that it would be deducted from my July month’s salary. (not credit card)

4. There is no information about the SI getting executed early in the mail. I hope I am clear with the epicenter of the problem. Let me know If I am missing something.

5. Kindly let me know the escalation procedures and concerned personals to whom I can reach out for such critical reasons. I guess with a bank like Citibank, people surely expect proper processes in place.

This is to highlight you again some recovery agencies in India are still working on behalf of citi bank,Dubai,UAE using local criminal baground peoples for making recovery of credit card/personal loan outstandings of Indian peoples.
Citi bank,Dubai shuld follow laws of that country/Govt and shuld not use recovery agencies in India for collection purposes...n they shuld not suppose to use unrecognised agencies with criminal sourcing.
Bank located in other country don't have any right to recover outstanding in India without permission of Govt or honrable court. also if citi bank,India is not ready to settel outstandings of Citi,Dubai,UAE then how can citi bank,UAE appoint collection agencies in India???
Following peoples frm pune r trobling peoples for recovery using criminal harshments:
Mr.Santosh: cell.no:[protected],[protected].
Mr.Jakir:[protected]/[protected]/[protected]/[protected].
Mr.Umesh Shinde:[protected].
Mr.Shaikh:[protected].
please enquire their legality and take strict action against them all.

Hi,

citibank has increased the minimum balance required on individual Suvidha Account to Rs 25000/-
how can a normal person be maintain this much!!!

it was a zero balance account from my previous job. Somehow i was able to maintain the min balance to 10000/- but this is too much!!!

this bank is s***

~saurabh

Subject: Information about Aditi Lad Expired.
Respected Sir/Madam,

This is formally inform you and requested you that I m Abini Lad. My sister might (aditi lad) have a citi bank credit card no. ([protected]) we don’t have any idea about that credit card but now she is expired on 27 feb-2009 my self provide her death certificate around 20-22time citi bank branch fort & lower pare as well as bank employee also meet at parel station & take form me (abini lad) that death certificate Xerox copy after that he promises me will never ever call u family & u about your sister(aditi lad) payment.
I am abini still studying in F.Y.S.C in SNDT College in churchget & staying also in college hostel m working part time job in one of Privet Company as a data entry job there I get only 2400/- in month so I can’t pay that amount at all my daddy also retired parson when aditi expired after that my mom dad both shifted in my native place because we three people depend on my sister only! & second thing wherever we was staying first in Kohinoor com. In Dadar there now staying Mr.bhoja he complaint agents your bank recovery boy because they told that recovery guy here not staying lad family after that also they visiting again & again that’s way he complain in bhoiwada police station that guy name I think subhash & his no.[protected]. your citi bank fort branch manager only told me once customer expired bank don’t have any authority to ask for payment & visit customer place but now she is no more we trying to forget her but your bank people not understanding are problem. My dad is hart patient.
So last my humble request is that please don’t visit again & again that dadar add because that Bhoja family very upset on my family whatever problem have to discus u can call on [protected] on Sunday 9.00am to 3.00pm because I m studding & in my classes cell not allow i[censored] want to contact me send me mail also on this same id.
Thanking you.

Your truly
Abini Lad.

DEAR SIR/MAM
I CHANDRA MAULY CHAUDHARY
MY CUSTOMER ID-[protected]-
CITI BANK LOAN NO-LCB-C[protected]
MY EMI BOUNCED IN JUNE 09-YOUR BANK STAFF MY HOME BY CASH, DEPSIT SLIP NO-18510, RS-6226, 13.06.09.RONG LOAN ACCOUNT NUMBER WRITE MY SLIP,
RONG NO IS 000LCBC[protected], RIGHI NUMBER -LOAN NO-LCB-C[protected]. .[protected], [protected],[protected]..CITI BANK STAFF MISSING MY EMI AMOUNT.
THANKYOU

CHANDRA MAULY CHAUDHARY(DOB[protected].
E-17, RAGHUBIR NAGAR,
NR TAGORE GARDEN CENTRAL SCHOOL
NEW DELHI-110027.

Hi,

So called customer Friendly and Relationship Building Bank CITi Bank who Says Citi Never Sleeps.
Sleeping like Dead wood...After having great repayment history on my PL loan Account Number
LTBTOP3096722 through ECS from my salary account while having transfered from Delhi to Kanpur By
Mistake that account has got closed and despite my phone calls and even Registered post they offered
no solution because they dont have any branch in Kanpur.
Now i have paid entire amount to them but they have not send across NOC till now.Instead thay have reported it to CIBIL.Please help me remove my name from their.


Now to Talk About CIBIL, I dont know but it seems CIBIL want to see what these bank's want them to see.Still I have got Two Citi Bank Cards with the limit of 2 lacs + with 5 Lacs preapproved loan offer.
and every month i do the transactions also and irony is that same bank has reported me in defaulters list.
What CIBIL is doing like a organisation without their own EYES AND BRAIN it seems.

Do CIBIL have guts to ask citi or other bank why these double standards??????

I hope i am writing on the right paltform and this will be heard and seen from CITI and CIBIL ???????

On a daily basis now, I have been getting calls from citifinancial Kolkata office, phone numbers being - [protected], [protected], [protected] to my cell phone. They claim that I have some loan running on my account with the amount being something like around 1000 EMI. This is really frustrating and even after telling them multiple times that I haven’t taken any loan - they still keep on calling me and trust me the conversation between us is not decent. This is now disturbing me.. The guys from Kolkata claim that the person is someone from west Bengal some place silguri. - I have never heard of that place or ever been there. I would request this be sorted out ASAP and some senior official gives me a call. What I don’t understand is if you guys gave loan to someone - why don’t you catch him at his house? Why harass some other individual.

It all started with a purchase at Shopper's Stop, City Centre, Saltlake. I was offered a "Green Card" for which a form had to be signed by me, just for the sake of formality. However, at that point of time, no mention was made regarding any application (for credit card or insurance policy).

Later, an unknown call from Chennai, offered me a huge sum which, they claimed, I am the WINNER of some lucky draw (without any participation whatsoever) - however, I denied that amount.

After this, I received a CitiBank credit card along with a thanksgiving letter for initiating some "Goodhealth Insurance Poilcy". I was rather baffled. I did not ask for, or give consent to any policy, nor did I ask them to issue any credit card.

It was soon followed by funny bills - stating that I am supposed to pay CitiBank the amount within a stipulated time, or else I am liable to pay fines and late fees.

I complained to them, informing that I never applied for a credit card or health insurance policy - requesting them to investigate the matter and stop harassing me with threatening phone calls any further.

I sent them back the unused CitiBank credit card, duly destroyed, with a letter requesting them to close this illicit account they created in my name, without my signature, documents, or my consent.

They acknowledged the letter, and it told soon they are beginning an investigation.

Then one day, a person came from the Camac Street Citi Bank, to my residence to collect the "due payments" from me. I told him the real story - and he seemed to be convinced enough to take actions.

However, telephone threats and bill dues kept on coming. Despite my complaint to both Kolkata and Chennai branches, no step was taken to end this. They are now trying to scare me with Legal Threats.

Few days back I received a letter from an advocate, Lopamudra Sur of Dasgupta & Associates, Temple Chambers - threatening me to pay the (un)due amount within 10 days, or else they would initiate legal proceedings – that too, at my cost!!

Please help.

- Bharati Mallik

I have mentioned this to CitiBank Credit Card department many times but there no positive reply recieved from them yet:

Details of the complaint we have made are as follows:-

Card LOST was reported on 04-Aug-2008 in the morning. (But was lost on 03-Aug-2008 evening but we couldnot report as we were not having the helpline number and credit card number with us at that moment due to it was sunday our office were closed where we keep all the statements.)

I have recieved Statement on 12-Sept-2008 which was having misuse details so we spoke to following peoples for clarifying that it was not used by us:-
a) Mr.Sumit on 13-Sept-2008 Reference# [protected] (they said they will call back till 18-Sept-2008 but no reply). We also Paid 1879/- on 18-Sept-2009 as Mr Sumit told to make the payment of minimum due, which will be refunded once matter is sorted.
b) Mr.Viresh on 24-Sept-2008 Reference# [protected] (they said they will call back till 11-Oct-2008 but no reply)
c) Mr. Ajay on 20-Oct-2008 (we dont have the reference number as we forgot to write it.)

So please kindly sort this issue for us. We are your regular user since long and we have never been defaulted. We would like to have this card once all this matter gets sorted.

I also have Police complaint form for LOST of CARD.

Dear Sir/Madam,
My self gagan kumar pipal i had a personal loan L55C[protected] which i have taken 4 years back for Rs. 1Lac From CITI BANK having 48 EMIs which has to be cleared by ECS but with some techinical problem ECS did not happen.then i have started paying the EMI through cheque.then after EMI started going through ECS, Then after sometime I got a job in abroad & my bank account was closed by which EMIs were going, then it was little delay in EMIs there were no communication from bank side so my family didnt able to know to whom they should give the EMI.Then after sometime they got a call from bank & started paying the EMI through Cheque & it was regular.
Then after an year i came to india & i got to know that there were 10 EMIs left for which i have made full & Final payment in the month of (May2009).After making all the payment i applied for the car loan to some bank then they said your CIBIL rating is not good thats why we cannot give u a loan i am so dissapointed.When i made made a Full & Final Payment then the bank people said we will update your status in CIBIL So you will not find any problem in your financial needs through banks.
But Sir it is not yet updated in CIBIL & am facing so much problem.I have explain my problem to you it was not my intension to delay in payments.But some circumstances was that so it was some gap in the payments.I have called up so many times in bank but no body listen any thing.

Now Sir i am so dissapointed that why am writing to you & i hope i will get some responce from your side.


With Thanks & Regards

Gagan Kr. Pipal

[protected]

I am Mr. Raju Kanjilal an Citi Bank Credit Card holder since12/2008 and my card No. is [protected]. I paid all my outstanding dues that is minimum payment till June, 2009 from Jan, 2009 before due date but certainly Citi Bank Blocked my card and claiming to pay them all outstanding dues that is Rs.9000 which is impossible to pay at a time for me. I mailed to CitiBank several times that "please unblock my card and I'll use your card properly and I also pay the minimum amount due before due date every month in future to maintain a lifelong good relationship with you" but the responsed me rudely. I am ready to pay minimum amount due (5% on outstanding as per credit card policy) every month to CitiBank & I also wat to build a strong relationship with Citi Bank.

Thanking You
Raju Kanjilal, Kolkata
PH: [protected] (033)