Citibank Complaints & Reviews

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,...

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)

I had settled my CITIBANK credit card no. [protected] but still it is showing outstanding in cibil records. I have the nil statement received from CItibank still i am being shown as a defaulter.Kindly remove me from the CIBIL defaulter as i need to apply for a home loan at the earliest.

Looking forward to a response from you at the earliest.

Dear Sir/ Madam,
In 2006 CITI bank had send me a Citizen First Card No:[protected], without my consent. They dont even taken any signature on any application form. Bill also came to me with US$ transaction. I never used that card. I called up customer care numbers of time. later on lodge my complain with customer care, dispute no was 125118. Customer care executive assured me that their is some fraud with you, so matter will be resolve.

Now i come to know that my name is reflecting in CIBIL with written off of amt. Rs. 53, 132.

My question is,

1. How you issued credit card without taking my signature?
2. How can you give my name in CIBIL, if their is dispute?

Now I am going to complain OMBUDSMAN in this regard.


Amit Mishra
[protected]

Sir,

I want to clear my debts with citibank but i have no clue how to go about it. I had two Credit Cards with the limit of 25000 INR each a total of 50000 INR. Citibank has twice debited my old citibank account for huge sums. I dont know how much more they want from me. What should i do to get my name out of CIBIL? Please help and thanks for your coopeartion in advance.

Best regards,
Joseph Pailly.

I have a salary account in citibank for the past 4 years. I shifted to Germany since a year and a half for my studies.

The bank never informed me that I had to maintain a minimum balance of 10000 Rs in my account and just kept deducting around 300 Rs as Service charges every month. When contacted, they claim to have sent me a letter stating the problem which I have never received. Forgetting all that, I decided to convert the remaining balance to Investment wherein I am not bound to maintain the minimum balance but again they deducted the same amount. When contacted, they stick to the reason that my balance was not enough!!!

Citibank is just robbing me of my money. It is the worst bank I have come across. It takes atleast 15 mins to talk to their citiphone officers who keep forwarding the call to other people as they are not authorised to answer my queries.

In short, it is the cheapest, un userfriendly, and the most Pathetic bank. I regret opening an account with them.

Sir/Madam,

I have received sms on my mobile of enhancement of limit from Rs 30, 000/- to Rs 45000/-, but in recent statement of dated 22/08/09, thelimit has been still showing of Rs 30000/-.
Please get me clear the above
Thanking You,
Yours faithfully
Surinder Sahni...

I am completely fed up with citifinancial and their stupid phone calls which come at any time from 10am to 5pm asking for a Mr.Radha krishnan who has taken a loan from them.now we have told them that they should upgrade their info as no such person lives here and have told them our name and phone no also.inspite of this they still keep callin and asking for that person! now it is8 months and still no respite. also those guys are so rude. don't know what kind of software thy use to update but it really stinks.i am mentally and emotionally being harassed since i am recovering from a major surgery and these people just don;t let me rest .i have no idea who will take action and if any but now the time has come to make them aware of their shortcomings.stricter action shall have to be taken if these calls don't stop.

chandigarh