Citibank Complaints & Reviews

I had a credit card of citibank and in june 2003, I was offered a structured payment plan by the bank which was accepted by me. Accordingly I made the payment as offered by the bank and agreed by me. The bank has promised in his offer letter that the total amount of dues in respect of my card shall stand satisfied and settled in full and final. Bank further stated that no further dues in respect of the said card shall remain payable to the bank.Bank also agreed that all legal proceedings pertaining to my card shall be withdrawn by the citibank .

Now, when I applied for loan in the state bank of India my case was rejected on the pretext that there are some dues of citibank pending against me.Whereas, as per my record I had made all the payment through cheque.From last three four weeks I have been running from pillor to post in the Delhi office of citibank but no positive response is being given by them. On the other hand no bank is giving me loan.I am unnecessary being harrassed by the bank without a fault of mine.

Dear Reader,

Could someone please let me know an e-mail id or contact information of the CITIBANK LOAN department head for india. There has been a big goofup going on with my homeloan account. Citibank says my homeloan amount is supposed to be 34, 000 from april 2007. But still am getting SMS's and Citibank letters with EMI as 26, 000/-

When contacted to CITIBANK execitive, he said the system is not yet updated.

What can be done in this regard. Has anyone faced any similar issue and got a solution for the same.

I will be thankful if you could let me know.

regards,
An Irate CITIBANK customer

I HAD RECIEVED A CALL FROM THIER COLLECTIONS DEPT ON 12 DEC 08 FOR A SCHEME IN WHICH CERTAIN AMOUNT WOULD BE REVERSED OFF AND I WOULD HAVE TO PAY THE REMINDER AS AS MINIMUM AMOUNT DUE.(FORTUNATELY I HAVE THE RECORDING ).THEY COLLECTED THE AMOUNT OF 7900K APROX PROMISING THE REST TO BE WAIVED OFF.SINCE THEN I HAVE BEEN TALKING TO THEM, WRITING MAILS, BUT NO USE NO BODY SEEMS TO BE INTERESTED AND UNNECCSARY CHARGES ARE BEING PUT ON MY CARD...

HI CITIBANK AUTHORITIES
I had never taken a citi credit card and, I am getting constant reminder and calls to "pay " my bills.

For your info I had never opened any account with you .

Apparently your DSAs have forged document after a ID theft. Please investigate and take the DSA or whoever involved to task.

prove me that I had used your card . Show the application form I had filled up (send me a a scanned pdf) . Also send me signatures on merchant's tickets where, you claim, I had done transcaction.

If you show appropriate documents and convince me that I have done those transactions, I will clear your dues. Now I am staying in CANADA/US for last 3 years. So please e mail me scanned documents to this ID.

Else please stop harassing me .

SEE BELOW FOR THEIR E MAIL TO ME
Dear Citibank Cardmember,

Thank you for banking with Citibank. We are pleased to provide
you details pertaining to your Citibank Credit Card Account.

Please ignore this message if you have already made your payment.

The pymt date for your card ************0002 is 18-JAN-09.The TotalDue isRs58303.93 and Minimum Rs58303.93.Pls send the pymt early to avoid chrgs.


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

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For the credit card details given below I want to raise a complaint and want a quick resolutions for the same:

Credit card no: XXXXXXXXXX4004
Name: Benedict Cardoza

After request for cancellation of the credit card in 2005, I was sent a letter saying that there would not be any service charges and the card is FREE FOR LIFE. I have never used this card for any transactions or purchases.

And to add to this I am been sent bills with service charges and late payments for something I am not using or does not own.

I am tired following up with the customer service associate via phone where the IVR does not have proper options for this query and other executives are rude in handling the complaint. Also there is not resolution to the problem via email which i had sent to citibank.

The service charges are approximately Rs 125 per month with the late payment charges of Rs 600 being levied everymonth for the credit card which was never used. This is ridiculous and I want to take action against citibank for harassment.


Regards,
Benedict cardoza

The issue is that i am not going to pay any amount because of your flaws in service. I was supposed to be received a statement to pay my bill. which wasn't sent to me until there was a request by me to send a duplicate bill. The request was sent after your collection agency people called me and asked me about the payment. After that i called your customer service that i have not received any statement by your side, they said we will send the statement ASAP and you can make the payment then. I also clarified that i am not going to pay anything extra in-terms of late payment charges or any interest because of your service flaws, the Customer Care Executive said it would be fine and i can make the payment once i receive the statement. He also told me that an Alert was sent to me on the 12th of November for my payment reminder. I also told him that I was not in Pakistan from the 5th of November to the 24th of November and due to our relations with Pakistan the International Roaming was not working there so i didn't get the alert. Another thing was that My Email Address was also not entered correctly in your records, again that is not my problem. So any unnecessary charges on my account should be waived off.

Dear Sir
I have taken top-up personal loan form CITI Bank. The Citi Bank was debited double EMI on dated 01/06/2006 and 08/06/2006. Due to above reason one cheque bounced. I make several times complain for reverses the cheque bounce charges. But they are not give proper response.
The facts of case is below mentioned.
Loan account No. PTP-CJA-2348462 in the name of K.L. Choudhary


Your City Bank have been debited EMI as follows:-
Dated Amount Remarks

[protected].00 By ECS --- Passed
[protected].00 By ECS --- Passed
[protected].00 By ECS --- Passed Double EMI Debited without intimation
[protected].00 By ECS -- Returned because double EMI debited in the month of June, 2006
[protected].00 By Cash --- Cash Paid against Dt.[protected] EMI Returned
[protected].00 By Draft -- Refund made by City Bank against Double EMI
debited on Dt.[protected] after lodging the complain
at your call centre
Your Bank Charge Double EMI in my S.B. A/c in the month of June, 2006 without intimation. And your bank refund the extra EMI in the Month of Aug.. 2006 after lodging the complain at your call centre. If you did not debited the double EMI in the month of June, 2006 then EMI of August, 2006 month easily passed.

I am enclosing herewith scanned copy of my Bank Statement in which your EMI debited.
My banker also debited Rs. 79.00 as cheque return charges by your mistake. and your bank also debited Rs. 280.90 as a cheque return charges. It is very clear that is fully negligence of your bank

Please reverse the above cheque return charges and make the payment by draft of Rs. 79.00 debited by my bank as a cheque return charges and interest for the period of[protected] to[protected] of Rs. 5876.00 by your mistake Please re sent revised statement for the financial year 2006-07.
. .
Your executives Mr. Mukesh (Times Marketing) also make commitment for last month wave EMI and I did not received till date that statment.Your executives Mr. Mukesh (Times Marketing) also make commitment for IRR 13% but your bank charges IRR 14%. That is fully wrong & illegal practice of your Bank.

It means your bank make false commitments to consumer.

K.L.Choudhary
FCA
[protected]
[protected]@yahoo.co.in

This is regarding my personal loan I had taken from Your Citifinance office at Trivandrum-Kerala I have been a defaulter of the loan due to some personal problem- I was cheated by one of my friend and I have stopped to my Bank operations.

My EMI is RS.2808/-Last year I was instructed your executive do not present my ecs to bank .and collect the payment by 1st of every month., but you are keep on presenting ecs on 5th and 12th of every month .Today one executive from New Delhi (Phone No.[protected]named Mr, Shio Babu phoned me to remit bouncing charge of Rs. 225/-+Rs.225/-(presenting 5th and 12th of every month) Your collecting 196% interest/ Charges P.A ie Rs.2808/-of EMI Your are Charging Rs. 450 for the last 12 months .While collecting my emi of Rs. 2808/-every month, your executive did not inform me the bouncing charges are going to debit my account.(Rs.4725/-). Please consider my case and waive off at least 50%.
I have already remitted Rs.2712/-for bouncing charges. Please waive off and Rs. 2013/- and clear my account, and avoid me from your executive keep on calling

In future do not present ECS, please come and collect the amount, otherwise I will remit the amount in your office .

Iam expecting a favorable reply, My Ac. No.[protected] Trivandrum- Kerala State.

Thanking you

To
Dated[protected]
The Producer,
[protected]@moneycontrol.com

Subject : Fraudulent Transactions on my lost Citibank Credit Card

Sir,

I hereby inform you that I lost my credit card no. [protected] issued by Citibank N. A. and on discussions with their officials the card was blocked on 30/08/2008 (and issued a new credit card no. [protected] against the above)....

This is to bring into your notice that i am a citibank Credit Card holder my name is gaurav kasliwal and was using this card since last September 2006.
now my actual problem starts in year 2008 in the month of january, when I didnt received my bill statements on time, even non deleivery of bill statements ... which imposed some charges called late payment fees on my account .
My last usage is of rs. 675 in the month of jan 2008 there after i didnt get the bill which i complained on call center so many times ... finally when I called in the month of May to knwo the exact amount outstanding ... your executive told me that " there is some 2175 amount left to clear all outstanding... I requested this executive that out of these charges only 675 is actuall usage and this is not fair why you are charging me so high ... 2175 is full of only late paymnet fees and Rs. 675 is the only actual usage, why should I have to pay all late payment charges ... he agrees on the same and confirmed me that ok " i will waive off the payment fees for last month you need to pay only 1875... which he typed in his account also .. you can see in your systems ... which I asked him to write in his system for any further communications .
then as i promiced this gentleman I paid 1875 thru chq and was in impression that my all dues are clear which was not clear as this executive cheated me and not posted the waiver amout ... hence it always showed outstanging by Rs 300 ... and on month on month basis this amount became 2831.33... which i had received thru a letter for recovery yesterday .

1. Now my question is when i can pay 1875 for final clearing of outstanding why cant i pay rs 2175 at that time ... answer is:- As per your executive who promised me to post the waiver and confirmed me that sir your final amount is only 1875 after paying 1875 your all outstnading will be nil, so I paid only 1875.
2. Secondly Why i had received these types of mailers for recovery on time and on my provided address correctly ... while bill statements never comes... which is the real cause of all this problem..
3. i need to know my actual leagal rights for this type of case where there is no actual usage and customer is paying only late payment fees ... even if your call center misguides a customer just for the matter of collection purpose. after that they actually not posts the waiver or promiced amount.

This is my last Email or any call to call center because now i am tired of doing all this ... Even if there is no option left please let me know I will pay entire amount to clear my outstanding... but please firstly check all your systems and my complaints ... it was not my fault i paid 1875 for clearing all the dues as inf given by your executive only. he categorily rights 1875 as the final amount outstanging which I paid thru cheque... please understand my point of view if he given me amount 2175 i can pay that much also to avoid this kind of trouble, but he assured me saying that sir you need to pay only 1875. you also told me that how much is this fair my last usage is only 675 ... after that I had already paid 1875 and now there is a bill of 2831.33 again. I was really not informed about all this matter. yesterday only I got a letter from agency saying recovery of amt 2831.33 ... then only I came to know about all this case...
you are requested to please consider my case and get me rid off all these hassels which became pain for my and my parents too.


Details Are :
card no : [protected]
name : Gaurav Kasliwal

My Self Sarang Medhekar, As profession i am computer parts dealer live in Thane. I am having citibank credit card since 2 years, my card no. is [protected]. My issue is on March 2008 someone use my card through online to Radlabs movie. Purchase of tickets around Rs. 4000/-, but i am not done this transaction. About this transaction i am know in May 2008, because i am not getting any statement. when i am know about the faked transaction first i am give request to citibank phone officer for close my card transaction. Before two days citibank send me new card with above mentioned card no., after that citibank officer told me if your card is misused then send us a CDF form & he told me i am sending u the form, after long time i am not getting any CDF form, But i am regular pay my outstanding except my misused transaction as per telecommunication with citibank officer.
every time citibank officer told me ur issue is pending so we are giving you a temporary credit, On October 2008 i am get CDF from from Citibank Website, then i am fax CDF form to Citibank, Then citibank officer told me ur issue is closed, then i am ask for my recent outstanding with confirmation from citibank officer i am make my whole recent outstanding but on next month of November suddenly citibank citialert SMS comes in my mobile your outstanding amount is around Rs. 8000/-, actually i am not doing any transaction on my card. because i am cut my credit card. From Citibank i am take Rs. 1, 00, 000/- Draft for my requirement this draft EMI is Rs. 3565 it's my actual due on every month that i am only paying.
When i am talk with citibank officer for my Rs.8000 outstanding they told me it's ur late payment & Interest charges. but actually i am make my recent outstanding due with the confirmation from citibank officer, but i don't know about this charges.
Above is details of my issue.
Still i am not getting any Physical Statement from more than 6 months, Many Time i am Confirm my Address, actually except statement i am getting all the letters from Citibank, then why i am not get any statement. Therefore i am make payment of my EMI, now from citibank officer i am mentally harass. please solve my problem.


Thanking You,

SARANG MEDHEKAR
Thane
[protected]

This complain is regarding Citibank personal load department, who has taken 2 excess EMI from my bank a/c through ECS. And doesn't have any answer, why this has happened.

Till August 2008, my loan installment was going through salary deduction, as my company Capgemini had a tie up with citibank. But in August 2008, I left Capgemini and joined some other company...where this tie up was not there, so I paid Sept and Oct EMI through DD, by going to their collection branch personally in Pune, and same time I started the process for ECS with my HDFC bank a/c. I was told by their executive that same will be active by Nov, so from Nov 2008 my EMI will start through ECS from my HDFC bank a/c...it didnt happened and I got a call from bank asking to pay the EMI manually again in Nov end...I told them, that I will send a DD to them. On 3rd Dec, I made a DD and sent the same to citibank bangalore office, given by executive to me.

But I was surprised to see that, ECS has also started from 1st Dec and in Dec 2008 itself, Citibak has taken 3 EMI from my HDFC Bank a/c through ECS, and one EMI i sent them through DD. So totally 4 EMI are taken from citibank in DEC 2008, while due were only 2.

Now when asking the same through customer care, they are asking me my bank details and all, which is already there with bank. So don't understand how they withdrawn the money from my bank without my bank information, which they are asking me again and again and not providing me any reason why they have taken 4 EMI from my a/c...

Even after repeated emails, asking same, there is no proper reply...I am thinking now to approach consumer court...also to report the same in Pune mirror also, so that everybody is aware how Citibank operates and what kind of services they provides...,

I hold two citibank credit card ([protected] & [protected]) and my usual payment due date is around 16th of every month. I usually drop the cheques everymonth in a manner so that they get cleared on every payment due date. But surprisingly the reminder calling system (as the Citibank name so) from various franchisies under Citibank start calling me as soon as the statement is generated i.e. almost 20 days before. That's not an issue though. The real issue is they call everyday unless and until the due date arives and they have the information of payment clearance. It is much more annyoing to note that everytime a new executive from their end start asking the same questions and I am bound to reply the same answer. Just think about the stupidity! Further these disturbs daily works a lot. Think, when I am at my boss's chamber, the bloody call rings up, and so many matters of such annyoances.

I lodged so many complaints through email and over phone times without number, but no solution till date except bluff & assurances.

I need help to guide me properly on how to stop such irresponsible disturbing calls.

Dear CIBIL Team,

I am Rakesh Mishra having a Credit Card from Citi Bank bearing Card No. [protected]. Now I would Like to inform you that I have already paid our entire outstanding (as per Bill Date 20.12.08 of Rs.44, 761.10 ) against card No:-[protected] on dated 26”th December 2008 having Receipt No.77291 by Cash of Rs.44, 761/-to Citi Bank.

I am requesting you, Kindly Remove my Name from CIBIL defaulter List and Update the status.

Regarding your Verification my personal detail is as follows…

Customer Name :- RAKESH MISHRA
Card No :- [protected]
Bank Name :- CITI BANK
Address :- MM-287, Sec-D Aliganj
Lucknow – 226024.
Date of Birth :[protected]
Mother’s Name :- Smt. Gyanwati Mishra

Thanking You.
Kindly Revert.

Your Sincerely

Rakesh Mishra

Dear Sir,

Please find attached herewith the letter which is self explanatory.

The citi bank is not cancelling the card and adding continuous intrest charges and made now the amount as on date Rs.48, 000/-

I told several times that I will pay any amount if I really transact with the card and also requested to depute their executive to sort out the issue but they did not respond.

Sir, Citibank is not responding for my queries for almost 150 mails and intrested in adding amount every, month continuously. Now they are calling repeatedly asking me to convert the total amount in to interest free EMIs. I could not understand why I should pay the amount which was excessively loaded.Each time you face different citibank people and no body is responsible.

Kindly guide me whom and how I get the Justice.

Pl. advice me to get the peace of mind sir,

best regards,

(K.RAJENDRA)
Mobile:[protected]

Dear Sir/Madam,
I was getting citibak credit card statements without even using it. In fact, I received the statement long after I canceled my credit card. Also, in the statement, only the amount was printed, there was no information of the usage (where I used the card). The customer care officers were also not able to tell about the usage. They are telling that the amount is due.

I would like to request you to take necessary action(s).
Thanking you.

With regards,
Vaskar Sarkar

I AM A CITIBANK SUVIDHA CUSTOMER FOR THE LAST 3 YEARS. THE SUVIDHA ACCOUNT WAS THRUST UPON ME BY MY COMPANY AS THE SALARY ACCOUNT FOR ALL EMPLOYEES. ALONG WITH IT I WAS PROVIDED A CITIBANK GOLD MASTER CARD FREE FOR LIFETIME. AFTER MY LATEST EXPERIENCE WITH CITIBANK, I HAVE COME TO THE CONCLUSION THAT CITIBANK ARE THE CHEAP CHEATERS TO DEAL WITH. THEY CONVENIENTLY MISSED SENDING ME THE STATEMENT FOR 2 CONSECUTIVE MONTHS AND WHEN I CONTACTED THEM UPON NOT RECEIVING THE STATEMEN IN THE SECOND MONTH IN SUCCESSION, THEY SENT ME A DUPLICATE STATEMENT WITH AN INTEREST LEVIED. I HAVE ALWAYS BEEN VERY PROMPT WITH MY STATEMENTS. UPON CALLING THEM UP, THEY REFUSED TO ACCEPT THAT THE STATEMENT WAS NOT SENT. I CONTINUED TO PAY THE BILLS MINUS THE SERVICE CHARGE. I KEPT CALLING THEM FROM TIME TO TIME AND THEY STATED MUCH THE SAME. FINALLY IN OCTOBER THIS YEAR THEY REVERSED THE INTEREST CHARGES FOR THE MONTH OF APRIL AND INSIST THAT I SHOULD PAY THE ACCUMULATED INTEREST FOR THE BALANCE MONTHS. NOW THEY THREATEN ME WITH REPORTING ME TO CREDIT BUREAU.
BEWARE ALL THOSE WHO PLAN TO INVEST OR DEAL IN ANYWAY WITH CITIBANK. ANOTHER COUPLE OF EXAMPLES WHY I BELIEVE THAT THIS INSTITUTION IN INDIA IS NOTHING SHORT OF CHEATERS AND FRAUDSTERS.
1. WHILE USING CITIBANK ON LINE BANKING, IF YOU WISH TO MAKE A PAYMENT, THE DEFAULT SELECTION IS READY CREDIT. IF YOU ARE NOT VIGILANT ENOUGH TO NOTICE THIS, YOU WOULD END UP MAKING A PAYMENT WITH INTEREST CHARGES LEVIED IN THE FOLLOWING MONTH.
2. LIKEWISE FOR WITHDRAWING MONEY FROM YOUR ATM.

BEWARE OF THESE ROGUES

MADAM SUSAN BARGE,
MANAGING DIRECTOR AND GLOBAL INDUSTRY HEAD.
CITIBANK N.A UNITED KINGDOM.
CITIBANK HOUSE 336 STRAND LONDON WC2R 1HB
UNITED KINGDOM.
MOBIL NUMBER:+44 [protected]
FAX:+[protected]
EMAIL:[protected]@yahoo.co.uk
EMAIL:[protected]@yahoo.com.hk
(CITI BANK LONDON PLC),

( PLEASE FOLLOW THE PROCEDURE OF THE CITIBANK PLC)

...

Hello,

I am holding an citibank suvidha account NO.[protected].

Issue is :
My account was created in bangalore through DELL as a salaried account. I left dell on July 18 2008 and shifted to Pune.
After that I updated my contact number and Mail address.
On 10 th Dec 2008 I come to know that my account is Blocked and due to which one of my home loan Cheque and 2 ECS payments were bounced.
When I asked for the reason why it has been blocked they told me that there was no salary has been credited to my account fom last 2 months. And they had asked me to submit the documents.That I submited it on Pune baranch office on 13th Dec 2008 and after that on 18th I received an mail saying they had misplaced my document and asking me to re-submit it again.

I asked the citibank people to tell me the Terms and condition which asked us to submit the proof of document if and when we are shifting to new place.They told me that it is not been documented any where.

It will be a great help for me if you can take some action on this. Atlest these things should be well documented and informed to the public when they were opening the account.

Regards,
Atul Mishra
91-[protected]

Hello All,

I have been a Customer of Citibank since i have joined my company in Aug 2007 and carry a citibank salary a/c.I also have a citibank credit card and a loan availed from them.Recently, because of my personal needs i called up Customer Care and looked for something called as Ready Credit a/c which is the a/c linked with Suvidha salary a/c . If there are insufficient funds in my normal salary a/c then any clearance or cash withdrawal happens through the ready credit a/c.
On October 2008, i was informed by customer care that i am eligible for it and can go ahead and apply for it.The opening form was sent to me from Chennai which i filled up and sent it to Chennai (Shakthi Towers). Later the next week i got a call from the bank (Bangalore) for verification. It all went fine.I even received SMS alerts on 3rd Dec 2008 about the a/c getting activated with the credit line provided to me of 65, 000/-. Then i received a call from Mr.Santosh in Chennai on 8th Dec 2008 from the number[protected] of the banking department verifying my a/c and other information.He even said that the next day being Id would be a bank holiday and the amount would be submitted in the a/c on 10th Dec.I had even spoken to him that i needed to submit a cheque of 40, 000/-...will that be ok.He confirmed saying that i can do it.I still have all the messages of the activation of the a/c with 65k. I even received a letter dated 3rd Dec 2008 from Citibank mentioning the overdraft a/c and the 65k activation a/c. Mr.Santosh even gave me the ready credit a/c number from him - [protected].Confirming that i submitted a cheque of 40, 000/- (cheque number -123602) to someone. Today at 10 AM in the morning i received a SMS stating that the cheque has got dishonoured.
I calledup the customer care and forget the rudeness they showed me but the call went escalated till Ms.Maheshawari (who quoted she is the manger of the department).They informed me that the ready a/c is closed on 11th Dec 2008.i was promised a call back from them that did not happen.I have been mentally harrassed by the bank throughout now.
I wanted to know from them as to -
1.why i was informed that i am eligible when it found uneligible
2. why the confirmation messages and letters was sent to me for the a/c activation?
3. why i was not informed about anything ata ll?
4. why was i confirmed to submit the cheque?
None of these were responded to . Now if the person submits a legal case against me then me being a sole earning girl, what will i do? Where will i go?
Please help me .