Citibank Complaints & Reviews

Dear Sir,
My father Mr Shahaji l Nigde, I holds a credit card of citibank as an add on card holder.
Hr used the card on 23rd Oct 2009 to pay an amount of Rs 20, 086/-. He dropped a cheque for the amount at drop box at Chinchwad on 02 Mar 09. But the amount paid does not reflect in the statement issued by citibank on 14 Apr 09, instead they charged him for not paying on time and also levied a huge fine for it.
Plz suggest a solution.

Dear Sir,
I have been using citibank card since last few years. We are paying on an average about rs[protected]/- every month as bill amount. last month we had to pay 3000 rs. We had delivered the cheque in the drop box near our office as usual. Some how cheque is misplaced and hasn't reached citibank.
They have levied interest charges, late payment charges, service tax, overdue charges in total about 2300/- rs. They have charged interest charges even on current months amount even though i have not even received the bill yet. We were told on the phone that in case of late payment interest is also charged on the amount of current month.
In spite of my sincere request to reverse this charges we were bluntly told NO. I have discontinued my card from today itself.
I am totally aggrieved with number of conversations i had with several persons on citibank customer care number. It was just a mistake and mere amount of 3000 rs on which they have levied so much amount of panelties and we were forced to discontinue with the card. This month itself we had bought a dell laptop using citibank credit card. We really like the card but not after such a bad experience.
Can you provide any kind of help or suggestions for the same?

Kind regards
Chintan Shah

Hi,
I am using Citi Ready Credit facitility.My limit was 71000/- ..I don't know they suddenly incressed my limit to 141000/- without of my knowldge. Now last month they debit 9000/- Rs from my account and telling that ur account has been locked and every month they are going to debit some amount from my account.on 22 Apri i was diposited 10000/ in my account they debited 7900 Rs from my account and telling that over utilization of amount using..I requested to them on mail pls resolve my problem, Some budy was called from delhi me but she was not discussed with me properly.
She told me do whatever you want to do.we will see...please resolve my problem ASAP.

Last four digit of my account is *****2115.It's my suvidha account.

Hi,

I wanted loan for some wedding in the family and had approval from 2 banks i.e. Citibank & Citifinancial.

I opted citifinancial over citibank after analysing certain benefits. I got the cheque from Citi financial however cheque got bounced due to some issue from Citifinancial's end.

since I had already planned and had done some expenses, I had to borrow money from someone and had to face lot of embarrssment. They have committed to give the new cheque once they receive the old cheque, I am loosing time as its just 3 days to go for wedding.

Pls suggest how shall I proceed and claim for loss of my credibility.

Thanks

i have already cleared all my credit card dues.But a week after i cleared my dues, i recieved the statement showing Rs900 pending.The last ayment i made was Rs25000.If i had any intention of being a defaulter i would have not paid that much of amount.Every time i recieve a ph call from citibank i have to tell them the same story.as of now the pending amount they are showing is 6000 rs. Pls help me, HOw can i sort this out without goiung to consumer forum..

I am one of the unfortunate few to posess a CitiBank Credit Card with No.[protected] which has been long discontinued. However, I have not been able to close the account by paying the Total Amount Outstanding against this card due to various reasons. However, I have been paying the Minimum Amount Due (as directed by CitiBank staff) every month.

Recently I was out-of-station and could not pay even this Minimum Amount Due in time.

I am being harassed by CitiBank and various attempts are being made to defraud me in the following ways :

1) The Monthly Statement does not show the Minimum Amount Due nor the Due Date of this Minimum Amount Due. This amount and Date is communicated to me over telephone by CitiBank's staff.
2) When I request CitiBank to send their Executive to my listed address to collect the payment, they fix an appointment but almost every month they fail to keep the appointment.
3) After expiry of the appointed date and time, I receive another call accusing me of not making payment. When informed that it is CitiBank who has failed to keep the appointment, the caller feigns ignorance and claims that there is no such information available in their office that an appointment had been made to collect the payment. This new caller fixes another appountment and this cycle continues till I have to personally call the Collector / Executive and make the payment.
4) even adys after a payment has been made, I keep receiving calls asking me whether I have made the payment. When confirmed, they ask for the payment details like Cheque No., Receipr No. etc. Recently when I checked with CitiBank's Customer Care, I was shocked to learn that all my payment details were clearly recorded in tehir computer system and this information was available to all the so-called CitiBank staff who had been harassing me with phone calls almost daily and at all odd hours (even early in the mrorning waking me from my sleep)
5) Although I have brought all these facts to the attention of CitiBank's Customer Care via E-Mail and they have acknowledged receipt of my complaints, I continue to receive calls from CitiBank rudelydemanding that I pay the Total Amount Due immediately. When asked to specify the Total Amount Due, various callers specify different / varying amounts as the Total Amount Outstanding against my card. When this fact is pointed out to the caller, he / she becomes more rude and starts accusing me of deliberately raising this false issue with the intention of not making the payment.

From the above, the following points arises :
a) Since the Minimum Amount Due nor the the Due Date for making payment of the Minimum Amount Due is NOT MENTIONED in the monthly Statement, how can card-holders be expected to make tis payment and escape penalties etc. ?
b) Why the card holder should be penalised and made to suffer financial losses when CitiBank themselves fail to keep the appointments and collect payments ?
When CitiBank has dailed and neglected to come clean and satisfy me as to the correct Total Amount Due against my card, are they not deliberately attempting to defraud me which is punishable under law ?
c) Why CitiBank should not be punished / hauled-up for blatantly disobeying / ignoring the RBI Guidelines laid down for Credit Card operation by Banks ?

Citibank shoud rename it's collection department to 'Customer Harassment Department'.

My Citibank card account statement is e-mailed to me by the 23th of every month. The due date falls somewhere in the 2nd or 3rd week of the next month. The call center guys start harassing me from the 25th of the month in which the statement is generated. So I get just 2 days to pay the amount??? It seems that it's their 'reminder call'. But THREE TIMES IN A DAY till the time I pay the minimum amount?

I have complained to the officials in Chennai a number of times. The calls stop for the next month or two, but the again these calls start!

I have been receiving calls from[protected], 66725900, at least THREE times in a day!!!

I think Citibank feels that all the customers are patients suffering from Alzheimer's Dementia.

Customers like me should get together and approach the Consumer Grievance Court for mental harassment.

- Dhaivat Chhaya

Citibank NA had a Non Resident Indian Bank Opening Offer in 2005 where they offered zero account balance accounts for Non Resident Indians. In November 2005, I applied for the account opening with a draft of £ 300 needed. They returned my documents as they needed more documents to confirm my residential address - even though I had a running HSBC account at the same address. They did not include my draft in the returned documents. On repeated calls I was told that they don't hold drafts from people whose application for opening account is rejected.On a concerted chase with HSBC, I finally found that the amount had already been withdrawn by Citibank.

I wrote to them in the first instance on 02/02/2006:

MY APPLICATION FORM HAS BEEN RETURNED WITHOUT THE ACCOMPANYING DRAFT.WOULD YOU RETURN THE SAME PLEASE AT THE EARLIEST OTHERWISE SEND ME A RESPONSE SAYING WHY IT CAN NOT BE RETURNED.I CANNOT EXPECT THIS KIND OF PATHETIC SERVICE FROM YOUR BANK.PLEASE RETURN THE ACCOMPANYING DRAFT ASAP.

THANKS

On 25 février 2006 12:43 I wrote:


Can you please provide me with the email of your departmental head, Does an organisation exist in this bank ?

Thanks

On 25 février 2006 I wrote:

IS THERE SOMEBODY LOOKING INTO THIS MATTER AND RETURNING BACK MY MONEY?

THANKS

This was follwed by multiple calls to them where they simply said they did not hold my draft and to check with the issuing bank.

I wrote back to them on 12 February 2007:

Citibank NRI Business
Citigroup Centre
25 Canada Square
Canary Wharf E14 5LB
United Kingdom

Dear Sir,

I have been made to run pillar and posts to open an account with you. My initial request to open the account in November 2005 was not allowed and the application form was returned without the bank draft.After many communications through your phone line and emails.I was not given a clue as to what really happened with my bank draft passing the ball back to me saying that my documents were returned with the draft of £300.

After a concerted chase with HSBC involving taking time off my work and travel on numerous occassions - I have come to trace that the draft was deposited with another bank on[protected] while I was being continually told that Citibank did not have possession of my money.

I would like you to kindly refund me with my draft amount with interest to my account number ********* at HSBC Bank along with adequate compensation for the distress caused due to your pathetic levels of account opening customer services.

I have been made to run pillar and posts to open an account with you. My initial request to open the account in November 2005 was not allowed and the application form was returned without the bank draft.After many communications through your phone line and emails.I was not given a clue as to what really happened with my bank draft passing the ball back to me saying that my documents were returned with the draft of £300.

After a concerted chase with HSBC involving taking time off my work and travel on numerous occassions - I have come to trace that the draft was deposited with another bank on[protected] while I was being continually told that Citibank did not have possession of my money.

I would like you to kindly refund me with my draft amount with interest to my account number ******** at HSBC Bank along with adequate compensation for the distress caused due to your pathetic levels of account opening customer services.

To which I got back the reply:

Dear Sharique,

How are you?? Hope you are in good health.
We have been trying to get in touch with you. But the letters that we have sent you have returned back to us. We sent them to your L*** Road address since the same was mentioned on the envelope sent by you.

Please let us know which address do we need to send the draft to??

I replied on 21 April 2007:

Hi,

Please send the same to Sharique ****, Flat K, *** H*** Road, ******
At this point I am looking for additional payments to cover for interest accrued in the period the amount was retained by you and damages in the form of my work time lost spent chasing the amount through emailing, telephoning you and the draft issuing bank and physically visiting the draft issuing bank and your branch in Central London.

regards

On 24 April 2007 I got the following response:

Dear Sharique,

Since we did not receive any reply from you earlier, we have dispatched the cheque along with the interest lost to your India address : *****, New Delhi - *** which was mentioned in the letter that you had sent to us.
A letter confirming the same will be sent to this address mentioned below

On 01 June 2007, I wrote:

It is more than a month and I have not recieved anything from Citibank at the address you have sent the cheque.

Please check.

On 03 July 2007, I got the following message:

I have put a tracer for your cheque to India. Am awaiting a revert from them.

I'll keep you posted once i receive any initimation from India.

On 2007/12/12, I wrote:

Any headway with the payment..Or do I consider that Citibank needs a part of my earning to function through its precarious existence.

Cheers

On 03 January 2008 18:05, I wrote:
Has there been any headway in providing me back this payment.

Thanks

No response was recieved and I continued on calling each time a new person at the call center would make me recall the whole story. I recorded the names of few individuals I got on their customer service. For example:


on

3/12/08 S Bismillah

10/7/08 S Patel

On 11/11/08 I got the following reply


This is with reference to your email dated October 23, 2008.

We were unable to respond to your query within the time-frame promised, as it required investigation.

We regret the inconvenience caused.

We confirm that we will be able to compensate an amount of INR 2386.85 towards the interest amount during the period of November 24, 2005 to November 10, 2008.

Please confirm us the disbursement mode through which the funds need to be transferred for us to do the needful.

We assure you of our best attention at all times.

On March 26, 2009 I gave them my physical address for delivery of the cheque.

No cheque was received.

I called the same officer again who said she wanted me to forward emails so that she could investigate and resend me the cheque

On April 13, 2009, I got the following email:

This is with reference to your email dated March 26, 2009.

We apologize for the delay in responding to your query.

We have arranged to send a draft for GBP 32.00 to the below mentioned address.

*****
***
**

Please be assured that you will receive the same at the earliest.

We assure you of our best attention at all times.

23/04/2009

I am still not in reciept of any cheque. They had agreed to provide me a paltry compensation- which is even now in thin air .

Dear Sir,

I have deposited the Rs 15, 000/- at DLF Square, Gurgaon ATM center on 4/4/2009 for Suvidha account No [protected] in the afternoon.
The deposited amount credited into my Suvidha account and the same amount was available into my account on 9/4/2009.
But on 11/4/2009 the deposited amount was debited by the Citibank without any information.

I have lodged the complaints with the citibank customer care for the above issue.
Preliminary result for the same was that "The envelop doesn’t found in ATM machine for the account [protected] with 1000*15 = Rs 15, 000".

I have few questions regarding this.
1. If the envelop doesn’t found then how the amount was available for withdrawal on 9/4/2009.
2. The action is taken after the seven days for debiting, So something has done intentionally or with proper planning?
3. I am sure about the Rs 15, 000/- deposit, so can you look forward to see the recoding captured at the DLF Square ATM center on 4/4/2009.
4. I am running through the painful situation, so can you take this issue on high priority and let me know the progress in the same.

Thanks in advance.

Sachin Ramesh Chaudhary
Citibank Suvidha A/C [protected].
Cell No: Available with Citibank.

Hi,
My name is Amit Kumar residing in New Delhi. I'am currently using a Citibank Credit Card since last couple of years and have never faced any problem. Since last few months I was unable to pay any amount to Citibank because of some financial problem and because of the same reason Citibank forwarded my account to some collection agency. I know this as I was continuesly getting calls from one of the Citibank Collection Agency located in Mathura Road. I sent a letter to Citibank's head office in chennai through my lawyer requesting to cease all collection activities through phone and comunicate me via e-mails or mails however I kept getting calls at my landline and cell phone even after I kept advising them to speak with my lawyer but they never stop. It was when I split with my lawyer I realized the fact that now I will not be able to stop calls comming from collection agency. Even today I'am continuesly getting calls though I have promised them that I will be making a good payment on my account before the end of this month. Inspite of appreciating and stop calling at my house one of the collection agency representative hired by Citibank disclose the outstanding balance to my father and created a big mess in my family. My parents are physically handicapped and has now stopped talking to me after that one call happened at my place. As this affected my relation with my parents I immediately called Citibank and explained them everything how the agency they have hired to recover money from their customer is violating laws as this might spoil their reputation in the market. The representative assured me that I will not be getting calls at my place however the very next day I again started getting calls and the collection agency kept harassing my parents. I requested the Citibank representative that if they want to call me 100 times that is fine however harassing my parents by maing calls again and again need to be stopped. I requested Citibank to take an immediate action against their collection agency who harrasses card holder (Ist party) relatives and family, disclose information and create tensions in their family.

In short I would like to notify two things mentioned below:-
>> The collection agency never bothered to stop the calls even after they receieve a legel request through my lawyer to cease collection activities via phone.
>> The collection agency represenatative disclose the outstanding balance to my father which has badly affected my relationship with him and has also created tension in the family.
>>Also, the collection agency who is calling me their contact number might be[protected].
>>Also, their company name might be TCS E-Serve located at Mohan Cooperative. Industrial estate Mathura Road -110044, why I'am not sure as their representative did not provide me any clear details and location about their company.

Kindly get this in the attention of higher authorities on Citibank and would appreciate if I get a justice on this..
Thanks and Regards,
Amit Kumar

Complaint: I have taken personla Loan # E[protected] against which i have
> issue PDC''s to the bank from my Saving Bank Account #[protected] for
> the installament. I have short closed the above said loan on 22nd April 06
> against which a letter for No Due is issued by City Bank. Even after
> Sattlement of above said loan, Bank is producing cheques in my bank
> account for clearing. Due to which i am not keeping the fund in my above
> mentioned saving bank account and the cheqest were getting dis-honoured on
> continuous basis.
> Consequences : Due to this till now i have paid more than 2000/-. Apert
> from this am getting continuous calls from the call centers/ DSAs for
> payment of balance EMIs and harressing to me. I have faxed the No Due
> letter dated 22nd April 06 issued by Citi Bank number of time to Citi Bank
> and the DSA''s office.

I have got the personal loan from citibank year back and now I wanted to close the loan. I called the helpline no in india and told them that i wanted to close it. They took more than one week to issue the preclosure form. The ugly part is they are charging interest for the days till the loan is not closed. That means, if they take time to close for whatever reasons I have to pay. That's a . My wife went behalf of me to close the form, the lady wasn't their to accept. Should i pay for that? Also, when i issued the cheque, till the cheque is not cleared i have to pay the interest (per day Rs. 172). Are they thinking we are ? Are they following RBI guidelines?

The way the banking domain is growing is all sucking our hard earned money. And the current congress government and RBI lacked the skills to control the private banks, which they are operating on their own way.

If middle class people stop taking loans from the banks, the banking system will collapse and people like us we will live our life peacefully.

If any of you guys gets calls from any banks for personal loan, yell at them. Don't be polite and encourage them. This is the root cause for all of the problems as the middle class people getting into trap.

Taking loan is easy step, but after that life will become very difficult. Please do stay away friends.

- Nazim

Sirs,
I am Citibank card holder since April 1997 and my card no ending last 4 digits then 3024 and now 8001.
In 2002, Citibank enrolled me and my wife to GoodHealth Mediclaim policy of The New India Assurance co.ltd, Chennai 600006. and the policy effected from 1st Feb 2002..
Every year I receive renewal notices during Jan of every year for any addition or deletion and receive the renewed policies & ID cards in the 1st week of Feb every year. Likewise the policies were renewed.
In 2007, I have not received any renewal notice. However the premium were debited to my Citibank card account as usual on 19th Jan 2007.
Whereas I have not received the renewed policy & ID cards of myself and my wife till 1st May 2007 either from Citibank or Insurance co.,
So on 01.05.2007, I sent a mail to Citibank stating that even after lapse of more than 3 months from the date of expiry of the existing policies and the premium were debited on 19.01.2007, I have not received the policies and requested to arrange to send the policies if renewed or reverse the premium amount presuming that those policies were omitted to be renewed.
In reply to this, the citibank instead of reporting whether the policies were renewed or not, has informed me on 02.05.2007 that based on my request the Policies have been cancelled and also arranged to reverse the premium amount billed to my account. But the Citibank has not replied to the query raised by me whether the Policies have been renewed or not.. The Citibank had refunded 25% of the premium amount stating that the policies were cancelled after 90 days.
On 15.05.2007, I informed the Citibank that I never sought for cancellation of the policy. As 3 months have already elapsed, I requested to send the policies. The customer care in their reply dt 25.05.2007 said that We are concerned to note that you are not in receipt of Good health policy. However the bank said we are unable to revoke the policy and if you wish the same, they request me to send the completed Goodhealth order form and send them to the bank to renew ur goodhealth policy, but still not explained whether the policy has been renewed or not.
In the meantime I have mailed to the Nodal officerof the Citibank Mr. K Santhanam., explaining the fact, Who in turn advised me in his message dt 29.05.2007 to send filled in Goodhealth policy form.to renew your goodhealth policy
Accordingly I have sent the filled in Goodhealth form for renewal.
On receipt of the form, the Citibank in their reply message dt 08.08.2007 has informed me that the policy could not be revoked and advise me to apply for fresh policy.
I have been holding the policy since 2002 and I have not claimed a single pye so far and as advised by the Citibank if go for fresh policy I will lose all the benefits of the policy.
Moreover, Under any circumstances I have not asked for cancellation of the policy, but the citibank has cancelled the policies without any reason.. Till today I do not know whether the policies were renewed, if renewed, I would have have received the policies and IDs . The question of cancelling a policy does not arise when the the policies were not renewed and received.As advised by the officer-customer care in his message dt 25.05.2007 and Mr.Santhanam, the Nodal office in his letter dt.29.05.2007 I had sent filled in Goodhealth policy form to renew the policy
When the form were sent, the citi bank in their message dt 08.08.2007said that the cancelled policies could not be invoked and advised me to avail fresh policy
Thus I and my wife losing the benefits of policies held since 2002 at the age of 61 mine and 56 of my wife.
Now, the Citibankon 27.02.2009 has debited the premium towards Personal Accident policy only to me and Personal Accident & Mediclaim to my wife as a fresh Goodhealth policy stating that since I have crossed 60 years I have not been enrolled to Mediclaim policy but only to Personal accident policy When I was enrolled to the Good health policy in 2002, I was only 53 years. When I have not requested for any cancellation of the policy, the Citibank has cancelled and now giving fresh policy.
I am now a Retired Class I officer of the Government. Pl. consider whether any senor citizen at the age of 60 will ask for cancellation of a policy held for more than 6 years.The customer care Citibank has not even asked me whether the policies may be cancelled, If the bank has any doubt on my query.Considering the facts and our age, I request for a direction to renew the policies from the date of cancellation
Thanking you
Manavalan

Hi,

I am holding a citibank visa card ****4023.Few Months back I make a full payment to citibank against my outstanding and it was dropped in their drop box.I was astonished to note that though I put well before the due date, they did not collect it from the drop box in time and as a result I was fined with a late payment charges in my next month bill.

Since it was not my fault, I did not pay that late payment while the other charges due have been paid by me after deducting the late payment fees.

After that since I have not done any transaction in this card, I didnot make any payment. But since I didinot pay the late payment fee in my earlier statement, every month they are agreegating it and adding another late payment with it.

I am really surprised how they can charge me for a fault with their system itself.

Best Regards,


ASOK DE

Hello Sir,

i have Citibank issued credit card, but usually i use ICICI credit card for any shopping.

i dont know how they got my contact number, one day someone called from Royal Sunderam life insurance and spoke to me about the plan, as i havent used the cicbank credit card till now. card has 0 transaction history.. i am not sure whether that call is recorded or not but if recorded it would be the best proof of what i told to the Royal Sundaram tele executive. Even though i told him not to apply that scheme for my credit card my next m0onth statement came up with the new transaction with amount credited for Royal Sundaram Insurance.

Soon after that i called CITIBANK Customer Care to cancel the transaction, as per that executive it was not their responsibility(CITIBANK cannot cancel) to cancel the transaction. they told me to contact Royal Siundaram .. when googled for Royal Sundaram Customer care number i found the number which is of no use..

spoke to Citibank Customer care to cancel the transaction from their end or intimate Royal Sundaram to cancel the policy within the cancellation period to avoid and charges.

i got the same response from CITIBANK customer care saying they cannot cancel the transaction or inform Royal Sundaram to cancel the policy on my credit card account. they dont even provided the contact number of Royal Sundaram to cancel this transaction.

as per citibank they keep the record of customer transactions and record the voice conversation...

on repeated attempts (may be i spoke to customer care 10 times on the same problem) i was able to contact a nice executive who guided me how cancel the policy.. she told me that CITIBANK is responsible for canceling the transaction not royal Sundaram (which was denied by executives i spoke to earlier) and she canceled the policy .. by the time this policy is canceled, my account is charged with interest, late payment charges etc .. for which i was not responsible to..

Spoke to customer care to restore my account by clearing all the mess created by the policy, they are unwilling to do that.. they say its not possible now..


i cannot pay for the transactions for which i am not responsible.. Please help me.


Radhakrishna

I have salary account in your bank and a credit card has been issued by your bank, your bank has auto debited my account without my consent and they have cancel the card and again auto debited 15000 from my account without any prior intimation or my consent.

I want clarrification regarding the same and my money back.

I received a letter from the Citibank Mass Mailing Centre. Payment Processing Unit No 738, 4th floor. Khivraj Mansion. Anna Salai. Chennai 600 002 regarding my payment vide my cheque no ****** advising me to contact my bankers to release a draft to the said office. The agent was offered cash but preferred a cheque. When cheques are issued the process takes as much time as the bank takes. This happens even in citibank. Moreover I am being billed against a card that I have neither received nor operated. I did take a loan from the bank. I have not been receiving my monthly statements on time and I get the idea that this is being done on purpose to make me pay the late payment charges. May I request the authorities to investigate the matter and grant me a reversal of charges. For more than six months I have been paying my EMI + late payment charges + Rs 300 for a duplicate bill. The balance amount due against the loan taken will be paid in accordance with the EMI fixed by the bank. No extra charges will be paid in future.

I have had my Citifnancial retail account for nearly a year and a half now. Honestly, my payments are ALWAYS on time and much more than the minimum due. My FICO score was 612 until TODAY. Today I decided to apply for a lousy $179 extension for credit with Citifinancial, because I wanted to purchase a normally priced $1399.00 dinette set or te awesome total of $679.46. My current available credit with Citifinancial is $509, so I only needed my credit extended in the amount of $179.00 total. Of course I was DENIED!!! When I returned home, I called the toll-free customer service number & they made me aware that they closed my account as of TODAY because my FICO credit score. The economy is so low right now, Citifinancial goes & does this to me WITHOUT warning, they couldn't even give me a chance by extending my credit. So, it leads me to say this: THERE IS NO WONDER WHY CRIME GOES ON!!!

I have been charged for late payment for more than a year now despite me having standing instructions to deduct money from my account. These people dont take money out of my account and i have to pay for the late payment.

Dear Sir,

I Abhineet Bhadouria, wants to report an issue with citibank credit cards division where they say they have issued a credit card under my name on my Mumbai residence where I was a tenant for two years. the issue is that they say that the card is issued on 28th Feb 2008 and was received by me, I want to clear this that I have not applied for any credit card and I had shifted from Mumbai in the same month before this particular date. I have not signed any documents with the card company. now I am getting mails and alerts for the payments.I believe that they have also sent the report to CIBIL. Now I think they are misusing this power to spoil the credit rating of any Indian citizen, so that they can force us to make payment against fake credit cards issued by the company.

Kindly let me know the way out of this matter

Abhineet Bhadouria
[protected]@gmail.com