Citibank — credit card fraud charges

Address:Hyderabad, Andhra Pradesh, 500017

I hold a citi credit card with number [protected]. My total outstanding amount till date is 65123.28/-.

I have charged the below charges in the month of february and march 2018,

Date description amount
[protected] late payment fee 950
[protected] goods & services tax @18% 535.99
[protected] [protected]@3.50% (42.0%annual) 2, 027.70
[protected] late payment fee 950
[protected] goods & services tax @18% 528.58
[protected] [protected]@3.50% (42.0%annual) 1, 986.55

Total of rs. 6978.82/- has been levied on my credit card for two months.

When i requested for reversal of these charges by explaining my medical issues and financial issues citibank acted very smart and replied to my email explaining the charges.

Do i not know how these charges are charges and i have accepted my fault for late payments in the mail, do citi bank thinks customers are uneducated?

Other banks are providing reversal for me and my last reversal request with citi was in august 2017 but they are denying my request now.

Do they think customer are fools and they can reply anything in the email rather than solving or help the customer?

This is a pure fraud company who levy high charges on credit cards on late payments and don't even bother about customer relationship with the bank.

They think they are the boss of the banking industry. One has to understand from the customer perspective at least once in 6 months.

I would be canceling my citi card. If i continue using it i would be a fool so better to cancel the card rather than maintaining a relationship with this unfaithful bank.
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Whenever I am trying to do an online transaction I am not able to receive my OTP number even for adding payee for fund transfer I am not able to get OAC number to authorize the user

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