Citibank — credit card - cibil score

Address:

Pune, Maharashtra, 4110147

Hello,

After a fraudulent transaction in mid-2017, i had closed my citibank credit card ([protected]). This official request to close this card was done over the email as well as on the phone, which was acknowledged by citibank.

In march 2019, i again received a credit card statement with inr 500 as an annual fee for the card that was closed in 2017. Later they kept sending statements with a late fee added. Sometime later i realized these statements and reached out to citibank credit card department using the same email chain, i was following in 2017.

Citibank team gave a very lame excuse that my credit card was blocked but the credit card account was not closed and asked me to give them a go-ahead for closing the account as well. I was totally surprised by this stand, and straight away told them to close the account. Meanwhile, the damage was done for me, and my cibil score dropped from 797 to 653.

On sharing this grievance to citibank, acknowledged that this was a mistake on their side, and they'll be reversely crediting the amount of inr 525.96 which was shown pending. They told me that my credit card will get back to the previous level in a couple of months automatically.

With the credit card and account locked and no pending on me, i still am continuing with cibil score as 653 for the last 4-5 months. I'm planning to buy a property and am being told by the banks that this cibil score is going to affect my rate of interest badly.

It was really unprofessional from citibank to do this damage to my cibil score.

I have a score of 839 as on date with experian.

I request to get my cibil score corrected.

I'm attaching excerpts from the emails for reference.

Regards,
Mohit mathur
+91 [protected]
[protected]@ymail.com