Citibank Complaints & Reviews

My Credit card number is [protected] Citibank Egypt. I would like to reporting an international level, the terrible service quality that I have experienced and still experiencing. I need you to take an action to get my rights

History of the Credit Card:
I am member since December 2003 until I finally closed the credit card on 16th of March 2008.The card was secured with a deposit of total amount 2000 Egyptian pounds that was increased a year later to 2400 Egyptian pounds.

Terrible Service experienced and clarification needed
1-Delaying statements
2-Renewing my card as an extra service for my protection from hackers at the end of 2007. Accordingly, they closed the credit card access without informing me and it took me a month and a half till I received the renewed card that was not activated tried to activate the credit card through the citi phone service that took days to even reach.It was a favour from the bank that means not charging me, however, they did charge me for renewing the card.
3-Phone service that does not provide a service at all. What they provide is waiting, slow and hang up replies
4-Customer service rudeness is outrageous and this is the reason that directed me to close my credit card.
5-on the 16th of March 2008 I received a call from Shady Safouat +[protected] informing me of the payment of the month, however, he was threatening me with claosing the credit card if I did not pay! I tried to talk reason to him explaining my situation but this led to extreme rudeness and impolitness.Therefore, on the same day, I requested closing my credit card and that the deposit covers all the payment charges, feesand that I take the interest after. My request was proceeded however, there were not any interest to be received.I would like to know how on earth this could be.The 2400 Egy. pounds did not make any interest all through the period it was there since December 2003 till March 2008? I demand an explanation.
6- It does not end here.I discovered that they made the deposit 2355 or so instead of 2400 that I have requested.NOTE: (I have increased my deposit with 400 a year later after opening my account in 2003.) All this time I have been dealing that my deposit is 2400. I require a clarification on that case too.
7- Finally, after going through all this and partly accepting. I went to request a certification that certifies closing my account on the 26th of March 2008. This request have not been fulfilled till today. I went today the 16th of April 2008 to receive the certification. I found out that they did not issue it due to petty, unconvincing reason which was that my signature does match!! They claimed that they called me on the 7th, which did not happen, and found my mobile number unavailable.Not to mention the rudeness of the staff working at the custmor service at my branch in Alexandria.

I have reached an extreme. What I require now is the requested certificate and the clarification on the two points mentioned above. Please take all the necessary procedures. I demand an action to be taken.
Thank you
Annan I. Moh.
+[protected]

I used the citibank ATM card(MG Road Bnaglaore Suvidha Account) on a HSBC ATM machine(MG Road Bangalore) to withdraw 20000 rupees on March 20th 2008.
Because of a malfunction of the machine, the money was not delivered; but my Citibank savings account was debited with the same amount.
I lodged a compliant with Citibank on the same day (20 March 2008, Ref: [protected]), and they agreed to provide me temporarily 20000 rupees till they investigate the matter.
But on 6th April 2008, they again debited the money from my account, stating their investigation has found the transaction was valid.
On again speaking to the citibank customer support, they told the matter is closed with them, and if I need I can seek legal opinion or again send my compliant to [protected]@citicorp.com.
I walked to the Citibank head office in MG Road Bangalore on 8th April 2008 and showed the ATM receipts which clearly states that the transaction was cancelled.
The executive from the Suvidha department there send the scanned receipts to [protected]@citicorp.com. When I asked them to copy me in the compliant or provide a compliant ID for the same, he said that is not possible.
Till now I have not got any update from Citibank, nor did my money was given back.

Kindly suggest what kind of legal action, or any banking ombudsmen compliant or any consumer forum petitiom can be proceeded with.

A fraud has been committed on a Citibank- Shoppers Stops credit card issued but not recd by me. Not only has someone misused the card, what is really alarming, are the phone calls from Citibank officers accusing and threatening.

The chain of events relating to the above-mentioned card are as follows :

1. recd a citialert on 7th march, 08 that a Citibank card ref no. [protected] had been issued to me

2. another citialert recd on 15th march, 08 that the Citibank card ************ 4009 had been dispatched via Blue Dart vide AWB # [protected]

3. the card was sent to my residence at Worli, but returned undelivered in the first instance since I was not available

4. later the card was once again sent to the residence on 20th/ 21st march, 08 and even though I was not available, the courier boy took my mothers acknowledgement on the same and without physically handing over the card to her, left. Pls note, my mum has had an accident and was operated upon on 8th march, 08. As a result, she is on walkers and was unable to hold back the courier boy.

5. I was out of town from Thursday 20th march, 08 and returned on Monday 24th march 08 and on being informed of the same, both me and my husband visited the Blue Dart office at Worli. Spoke to one Mr. Sandeep ( my father had also called this person earlier on). We were informed that there is nothing to worry, and that the acknowledgement had been cancelled and the card sent back to Chennai vide tracking no. [protected]. When we requested them to give this to us in writing, they refused, and only scribbled the abovementioned tracking no as well as the tracking no. ( [protected]) vide which the card was recd by Blue Dart from Chennai.

6. on Tuesday 25th march, 08, I called the Chennai office, was told to call Mumbai customer service, called and spoke to a lady called Pushpa. She assured that all was fine and that the card would be reissued and re-sent to me by 28th march, 08

7. thought this ended the matter when to my shock and utter disbelief, a get another sms from Citibank on 28th march, 08 informing me that I had “ a high value Electronics charge” on my credit card and that I need to call the local Citiphone number incase I did not confirm the purchase on the card ending- 4009.

8. I immediately once again called the Mumbai customer service center and spoke to a gentleman by the name “ Nabil”. He recorded all the above facts and gave me a reference number [protected]. I told him that I didnt even have the card number, let alone the card and was not aware of any transaction made thereon. I also requested him to give me the details of the transactions on the card, what value, which city, etc. which he declined saying he would have to investigate. I also requested him to pls block the card and that I did not want this card. He stated that he would have to re-issue the card before cancelling the same. He also stated that he would send me the CDF ( customer declaration form) which I needed to fill up and return. On asking if I needed to do anything at this point in time, he replied in the negative and said he would investigate and revert.

9. on 1st April, 08, I got a call from someone named Roshan ( phone no.[protected] once again asking me and checking for facts. He said he alongwith people from Blue Dart would come over and request my mother to identify the courier boy.

10. on Saturday 5th april, 08, the said Mr Roshan from Citibank and some employees of Blue Dart visited my residence and grilled my mother. My husband was present during this meeting. Though my mother acknowledged that she had signed the acknowledgment and also identified the courier boy, she reiterated that the credit card was not handed over to her. The Citibank representative shared the statement with my husband which included some amounts paid to a “Geeta Bar” and orally they even acknowledged and accepted that I wouldn’t have visited one. However, in order to absolve themselves of any responsibility, the Citi representative asked us to file an FIR. We explained that we couldn’t file an FIR simply because we didn’t even have the credit card number.

11. Yesterday morning i.e on 8th april, 08, I again got a call from one Mr Naik of Citibank asking me to fill up a CDF ( customer declaration form ). Told him that as I had read and understood the form, the same was not applicable since it relates to transactions in case the card has been lost or some transactions are in dispute. In the current case, since I haven’t even recd the card, don’t have the card number, I really cannot even fill in the form. He said he would check with his manager and revert.

12. then again at 7 pm, the said Mr Roshan ( phone no.[protected] called and asked me if I wanted the card reissued to which I declined. Mr Roshan then raised his voice accusing me and my family of accepting the credit card and using the same and denying the same.

The crux of the matter seems to be the fact that my mother has signed on the acknowledgement. But, request you to pls bear in mind that this was a genuine error on her part and she never expected the courier boy to vamoose without handing over the card to her. At this point, I would like to mention that when the card was returned at the first instance, I was categorically informed by Blue Dart officials that they would not hand over the card to anyone except the person in whose name the card was issued, that’s me. So, why then in the first place was the card even given to my mother ??

The whole sequence of events is really a cause of concern to me.

Moreover, as it appears, Citi is now trying to absolve itself of the responsibility by using harassment / accusation tactics .

This is to bring to the notice of CITI Bank of INDIA (DELHI) for suvidha account NO [protected], on 16th of March 2008, I have ordered a Pay Order (DD) in favour of GREEN FIELDS SCHOOL for Rs 7, 000/- which I was required to submit for the admission of my son, from the machine installed in the ATM of Citibank. The machine provided me the receipt saying that I will get the DD in 3 working days.

On 18th of March 2008, I called CITI Bank (PH #[protected] to get the status of my DD, the Citibank telephone executive informed me that the DD has already been dispatched and I will get the DD today.
She also provided me the detail of courier and their contact number. The detail was,
DD was dispatched through way bill no 55745 through ABC Xpress couriers and the contact number of courier is PH # [protected].
I further called Courier Company he gave me another number saying since the courier is for MUNIRKA so you call our South Extension branch on PH # 30684586. Again I called the south EX courier branch and they conveyed me that they have returned the courier back to Citibank on Monday evening i.e on 17th of March to Mr. GAURAV as they were not able to trace my address.

On 18th March 08 I again called Citi phone office and requested the executive that since the courier is returned back to their Gurgaon branch and my office is also in Gurgaon so I am ready to collect the DD personally from CITI office, He raised an ticket number # [protected] and gave me the address of Gurgaon CITI bank branch and told me to collect the DD today after 5.30 today.
(Citibank address as per him, CITI BANK Ground Floor, DLF square, M block Jacarandra Marg, DLF City, Phase 2, Gurgaon. PH.# 2565757)

At around 4 o clock I called the DLF Citibank office on phone number 2565757 and they responded me that they do not handle these types of cases I should speak to citi phone office. I again called citi phone and narrated the entire story to a person named IRFAN he told me that “my case will be looked after 20th of MARCH 08, and the person who have raised the ticket for this did not informed you and we are sorry for that.” I requested the executive that you have done the confirmation from the courier company that the courier has been not been dispatched so please do the STOP PAYMENT of the DD and transfer the amount in my saving bank so that I will go to Citibank personally and get the DD prepared. But Citibank never looked into my request and he assured me that I will get a call from CITI bank by 19th March and they will solve the problem.

Further to inform that I was not having the adequate balance in my account so I have taken loan of Rs 10, 000/- from Citibank (Ready Credit) @ 26% p.a. for the admission of my child. I am paying the interest on the amount which I am not using it because of the mistake of Citibank. I had gone through deep stress and mental tension as I am not having money for my child admission and the loan which I have taken is also going in waste because of the mismanagement of Citibank.

On 19th of March 2008, I again called Citibank this time I had a altercation with the executive named DIPTI and again I requested her to please cancel the DD or do the stop payment she refused she told me that you go to the Citibank branch and write a letter for cancellation they will cancel the DD when I requested her to give this in writing through mail she refused to do so and again she assured me that by 19th March end of the day I will get the call from Citibank who will sort out my issue. Till 8 PM I did not got any call from Citibank again at 8.30 I called Citibank and at that time all the Citibank lines were busy so the automated machine took my cell number and gave the message that Citibank will call me today by the end of business hour. Even though I did not received any call from Citibank.

On 20th morning when I called Citibank this time I spoke to Sweta she told me that Citibank has received the DD at their DLF office and I can collect the DD from there today. She further told me that she will arrange the call and accordingly I can plan and collect the DD by the end of the day today. Till 12 PM I did not received any call from Citibank, I again called Citibank luckily this time also Sweta was on line and after doing the verification she assured me that she is checking the status at her end and she will call me within 20mts.
Till 1.45PM I did not received any call from Citibank I again called Citibank and narrated again the entire story to the new executive and at the same time I requested her if she can help me to speak to Sweta, but she refused after going through the entire detail she told me that I can collect the Draft today from DLF office of Citibank, and she gave me the Citibank numbers as # 2565757 and 4186001 and told me to contact PARUL CHAWLA.
She also requested to take my govt approved ID as a proof than only she will hand over the DD.

I was not having the ID at that point of time but just to get confirmed and convey to Parul that she should keep the DD with her I will come to her office with an ID proof and collect the DD. But when I called Citibank on the above mentioned numbers there was no one who could pick the phone. After trying several times one guy picked up the phone and told me that there is no one in the office.
Finally I went to Citibank office on 24th March 08 and picked up the draft after 8 days.

I would like Citibank to answer my below queries and compensate me:-

1. Citibank should not charge any INTEREST on the amount of Rs. 10, 000/- for the period 17th March to 23rd of March 2008.
2. The Citibank should also reimburse the amount for man hours time, and phone charges which I have spent to get the DD.
3. Since the issue of DD takes an hours and as per Citibank I was supposed to get in three working days why I have not got the same even they were not able to trace my address but I was I touch with them, since they were failed to deliver the DD on time Citibank should be suitably charged for that so that in near future there type of mistake will not be repeated.
4. I have gone through very bad days due to shortage of money and for the admission of my son and further loss of DD has further made me tense and it stressed me a lot because Citibank was completely failed to satisfy the customer
5. I was getting letters and couriers on the same address even from Citibank from last 2 years I have the proof of those envelops.
6. Why the Citibank never called me since I was following rigorously for my DD and even after the assurance of citi phone officers that I will get the call on 19th and than on 20th.
7. Citibank should also be penalized because I was not able to admit my child on time as well as I am not able to buy the books on time which my son should have utilized during this school holidays so I should also be compensated for this.

I will request that Citibank will look into the above query and compensate me suitably and hope in future they will have better system and will not harm any of his valuable customers.

Regards,
Sandeep

Dear Concerned,

I am holding a citibank credit card# [protected] (new card issued [protected]) in the name of O P Ratra.
I had booked my air tickets on 31.10.07 where the card was swiped twice for the same booking.
The amount was Rs. 4150.
Since the interest has been charged by you on the amount not used by me, I am claiming refund from the agency through legal sources. For this they want to know the exact amount charged as interest on Rs.4150.
Kindly provide me a consolidated amount charged as interest so that the same may be claimed from the agency.
I had also written a letter on 26.02.2008 to The Head Customer Card, Citibank Card Centre, 766 Anna Salai, Chennai-600002 but have not heard back from them.
Kindly send a hard as well as a soft copy so that I can take the refund.
Your immediate action would be appreciated.


Thanking You,

O.P Ratra
24/B-1 Saket Colony
Ajabpur Kalan
Dehradun
[protected]

I have taken Car loan from Citi bank in Jun'03.

Principal outstanding is not matching as per repayment schedule. On checking with Citi bank, it was conveyed that a cheque was returned unpaid on first instance in Nov'03, hence it has impacted the principal outstanding. They have also levied penalty charges on it.

When I checked my bank statement, there is no cheque return charges applied by ABN AMRO bank. I have been paying in EMIs in time and no cheques have returned unpaid, hence I am not satisfied with Citi bank response to my grievance.

When I applied for loan, EMI was to be paid by ECS and I submitted 6 EMI cheques blank dated as security. Due to some issue ECS was honoured ABN AMRO bank and I submitted remaining EMI post dated cheques and it was confirmed that security cheques will be returned to me. On repeated follows with Citi bank, I haven't received the security cheques.

Hi,
My name is akriti shakya. i am an employee of I-energiser, Noida.
i had got this account opened as a salary account from the same company... i was to to receive my atm card and pin number on my mailing address.. However due to negligency of the bank, the card was handed over to an unauthorised person.. Due to which that was person has withdrawn Rs 13, 300/- from my office atm..
I have been trying to run from the bank to the compnay howewver no action has ben taken to trace that person. When i went to the bank they informed me that i had to lodge a complaint over the phone to customer care, which i did and the reference number for the same is [protected]. i have blocked the atm card also... But the tragedy is that no action has been taken till date in regards to the same... and i would really be pleased if somene can look into the matter and help me in resolving the same for me as 13.300 is a heavy ammount for me...
thanks and regards
Akriti shakya
(akriti.[protected]@gmail.com)
(true.[protected]@gmail.com)

I started using my credit card from oct 2007, I didnot get a single statement except the first month by mail.

Hi,
I am unwillingly writing this as I have been forced by the situation Citibank has created for me. I DO NOT expect such an unprofessional and unethical behavior towards a loyal customer of Citibank. This space is actually too small and impractical to narrate to you the kind of harassment that I have experienced. However, I have managed to find little time from my busy schedule to summarize the bad weather at my end.
I am using an Indian Oil Citibank credit card ([protected]) from about more than 4 years. On march 2006 I received a call with an offer from your bank of Rs.1, 47, 000/- loan on this card. I took the loan and started paying the EMIs. After about 10 months I started receiving calls from the bank reminding me about the outstanding amount and forcing me to pay the minimum amount payable as soon as the statement generates (which means in the first week of every month). Whereas my last date of payment is on 21st of every month according to the statement I receive. Also it is important to note that from the beginning I have given a standing instruction to my CitiBank Suvidha account for the payment. I was getting these kind of calls in every 2/3 days. I was trying my best to make them understand that I have given a standing instruction to my Suvidha account and they don’t have to remind me all the time. But all my efforts were useless. It was clearly understandable that they wanted me to pay off the total loan amount in one shot. I had taken the loan for 4 years and it was quite impossible for me at that point of time. In due course, I was offered an additional loan of Rs. 99, 000/- on the condition that they will close the previous amount and I’ll have to bear the interests and EMIs of the combined amount (the previous amount + currently offered amount i.e. Rs.1, 15, 380/- + Rs. 99, 000/- = Rs. 2, 14, 380/-).
And, now I get calls from Citibank almost every day (Ph no.[protected] for ref), asking me for the payment knowing the fact that all payments are in the form of standing instructions. This has become so irritating that I am losing my reputation amongst my family and friends or co-workers. This is a serious matter for me now and I DO NOT want such calls anymore. Why does anybody have to call me when I am paying EMIs on time? Why should I explain when I am going to pay through STANDING INSTRUCTION? – This sounds so foolish! Or Citibank has hired tele-callers to harass people who are somehow associated with the bank. They have called me uncountable times. This kind of behavior indicates that Citibank wants me to clear all the remaining amount at one go, which is unfair and against the law.
I don't know whether it makes sense mentioning it here... The complain section in the Citibank website is something which I think is for fun. Any complains made through this never reaches them... some irritating link error is popped up at your face - seems like they don’t want to receive any complains from you.

Such a response forcefully makes me conclude that if this is what they offer in terms of complains then what would be the level of seriousness and professionalism offered to Citibank customers.
I need suggestion on this…….



Regards,
Sourav Sagar Panda.

This is in reference to the conversation the recovery department have had with me several time and I have informed the department about my inability to pay your charges levied on my card. I time and again stated that the good health policy which your company unilaterly charged on my card without my consent and knowledge. As usualy I have informed your office time and again that I will not pay the charges on my card. because the policy was charged without my consent. Hence I hereby request your good office to waive the charges levied on my card at the earliest otherwise I will sent the card to your office Once again I request you no to harass me for repayment. This is my last letter if the charges levied on my card is waavied I will cut and send the card to your office for the cancellation of my card. thanking you,






On 14 Dec 2007 17:50:24 -0000 "Vijayan V" wrote
This refers to your E-mail dated 14th Dec 2007 stating your inability to reverse the charges levied on my Creit Card without my concent. I hereby inform you that I am not in a position to pay the charges levied on my CARD. This is to inform you that as I have not used your card till to-day I am ready to send it back to your good offices So thatr all charges can be waived. I herby request you to clear all the amounts levied on my card. Please semd me a NO DUE BILL as have not used the card for any purpose. An early and favopurable reply is anticipated. Regards.Vijayan Vellappan

Sir/Madam,

I, Krishanu Maitra, resident of Flat#2, Shibani Sundar, Garia Gardens, Kolkata-700084, (DOB 8th March 1974) would request you to kindly issue a No Objection Certificate/No Dues certificate against my Credit card no.[protected].

As per my knowledge all dues are cleared by last transaction from my citibank savings account no.[protected], amount Rs 18954.72 on 22nd July, 2005.But i am really disheartened to know from reliable sources that this amount still lies as overdue and I have been termed as a defaulter, which by no means is true and it creates a dent in my image in the society.So, my earnest request to you is to issue the No Dues Certificate and also remove my name from the defaulters list.

I shall be waiting for your mail/reply at the earliest.

Regards,
Krishanu Maitra
Mob:[protected]

Dear Sir/Madam

This is in reference to hutch citibank card # [protected], ref # 79603013. I want you to know that I had been offered this card in my company premises via promotional campaing, on the condition that any kind of service would not be activated without my instructions.
I had paid my Vodafone bill as usual by cheque # 430398 on 24th jan'08.However, I came to learn that the same bill was also paid through hutch citibank card in my name.
I had not given any standing instructions to either Citibank or Vodafone to pay my mobile bills.
I have also launched complaint at the Vodafone Store to cease accepting payment through card in my name.

I will continue to pay my bills personally through cheques and do not want to avail any credit card facility.

Kindly deactivate this card as I will be paying my bills personally and will not entertain any of such services.

To whomsoever concerned:

Respected Sir/Madam,

I had a credit card with Citibank since 2004, everything was going fine till my problems started in May 2006. I had authorized the bank to withdraw the payment from my savings account with the same bank. However May 2006 onwards, they stopped withdrawing the payment. I came across this is July 2006 that the last two months payment hasnt been withdrawn, i wrote to their email support and got a confirmation from them that the last two months late fee and fines has been withdrawn and they asked me to send an authorization letter along with an address change request to be snail mailed to their head office in Chennai which i did. After that also they did not start withdrawing the payment and since then i have been making follow ups with the bank, no good. End of last year i came to know that the outstanding balance on my card is ~ 50, 000 INR. My case was handed over to the collections department. They informed me that i need to pay 22, 000 INR to setlle my dues to which i agreed. I asked them that before making the payment i would like to see the details of my card since the beginning. To my shock when i saw the details, the total amount including purchase, fine and late fine till July 2006 was 34, 107 and till Mar 2007 i had paid 39, 573 (5000 in excess of what i had used). Now upon contacting the collection manager, when i said this is not right, he offered 15, 000 INR and then came down to 12, 000 INR. Since Januray he has not repsonsed to my mail. I need to know what are my options from here.

Thanks and Regards,
Nidhi Narang

There have been numorous debits from my account from Citibank.
One fine day I find that more than 500 Rupees have been swapped out without my awareness, I call the citibank Customer care adn they reply saying that its the "renewal Fees" for my card, I told them that I dont want to use the card, and I want my money back, they then stopped my card and did not return the money now they are saying that I have to pay additional 500 rupees to get another card!! this is rediculous!! one I have already paid the renewal fees, they are not ready to issue a card on that money...
I spoke to MR Ashok Kumar from Citibank Customer Care in Gurgaon

Hello

I am Shivang Nigam and i have applied for a credit card that is student credit card but till now i have not received any mail from citi bank about the status of my credit card

My refernce no, is[protected]

Dear Sir/Ma'am,
I have a savings bank account (No [protected]) with Citi Bank having a cash balance around Rs.19,500/-. In this matter I herewith submit the following for your kind consideration immediate necessary action please.

1) That, when I approached Citi Bank, Mumbai branch to withdraw my money, I was told that the account has already been closed. by Citi Bank some months back and a DD has already been sent to me.
2) That, when I told that neither I have ever requested for closer of my account nor I have received any DD from Citi Bank side, then I was asked by your representative to write an application to your Chennai office in this regard ( at Anna Sarai Address) to send the check/DD to my new address ( Prageti Verma, R. A. B. S. 18th floor, Express Towers, Nariman Point, Mumbai - 400021) and contact Customer Care after 4 days.
3) That, accordingly I submitted the application and called the customer care after 4 working days. The Customer Care Deptt. told me that no application has been received at your office and a day after, when I again contacted them I was told to write another application to the same address giving them the information about my new address.
4) That, as suggested I wrote another application and kept calling your Customer Care Deptt. again and again to check if the application has been received at your end or not, but I was told that no information was received and that I should wait for some more time.
5) That, when I contacted Smt. Kalpana Chauhan, Service Manager Citi Bank, Mumbai, she told me that it is her personal responsibility to see that my money is paid to me. But I have neither received my money nor any communication from their side.
6) That, around four months have passed but I have neither received my money nor I have received any communication from your side. Whenever I call your Customer Care Deptt. I am being told that they will look into the matter and I may enquire after 3 to 4 days.
7) That, it appears that some one in City Bank has played a frod with my account and has eaten up my money and that's why a mysterious silence is being maintained. I therefore request you to immediately look into the matter and my money deposited with City Bank must be returned to me at the earliest. Any Check / DD shall be payable to my ICICI bank A/C No:[protected].

Yours Faithfully

( Prageti Verma )
R. A. B. S. 18th floor, Express Towers,
Nariman Point, Mumbai - 400021

I am very old credit card holder of citibank. Previous month I made a payment of Rs 3200/- with cheque well in time but unfortunately the date on the cheque was written wrong. As a result of which you are charging late payment fee.
It is mentioned that I have always make the payment on time.You are requested to waved off the late payment fee as this is happens first time. I will take care in future.

yogesh anand giri
citibank card NO. [protected]

i have a citibank gold credi card and they have started debiting interest charges on a magic calculation every month. When i asked for clarification over the telephone helpline number, they told they will call me back with the details, nothing happend.

now they are telling they will forward the information to Credit information beauro of India and they will list my profile negative. I told them very clearly, they will have to pay for that too if they does it.

Citibank personal Loan Dept took the ECS amount of Rs 2350 out from my HDFC bank Account while I already Deposited the same on the 6-feb-2008 AS due to some reasons My account was not funded sufficiently. I called Citibank for the same to inform them and they told me that if you deposit this to our collection Office Located at Mathura Road before 7-feb-2008 there would be no late fee charges . I went there on 6-feb-2008 I deposit my EMI...

I have got a home loan (Loan no 119610) running since 2005 with this bank.It was a home saver loan in which a 0 balance current account was opened in parallel.I was told to trf the funds in this account every month which I was doing .In the course of time the rate of int went up from 8.75 to 11.25 but my instalment remained the same.Then in the month of Nov 2007 I delayed the deposit in account and I deposited 8000 on 28 Nov and 9000 on 29 Nov which I should have deposited by 15 Nov.But instead of treating this deposit as an instt for Nov the bank took this amount as towards OD account which I am not clear.Then I deposited instt for Dec in cash and their executive took it.I was given a receipt and this instt for Dec was set off against the instt of Nov .Thus by this way even now I am back by 1 month instt although I have deposited for every month.There is no hearing anywhere and I am still not clear where the instt has been adjusted to.I wanted to personally visit the branch but they dont want to entertain me on this .Now they have ruined my image in the credit market and I am not able to borrow the other loan.I want a strict action to be taken against them.