Citibank — Fictitious billing, imposition o[censored]nfair charges and unjust withdrawal of card operational facility

Dear Sir,

I would like to bring to your kind attention the unfair trade practices utilised by Citibank Credit Cards Divison which include but are not limited to fictitious billing, imposition o[censored]njust interest and charges, issuance o[censored]nsolicited card irregular sending o[censored]pdates, falsely trumped penalties, withdrawal of card operational facility without notice and also application of humiliating measures including intimidation/harassment to the card holder.

I had a Citibank Credit Card (ending in 0608) which i was utilizing and have not mossed a single payment in the past 4 years.

Another card was issued to me (ending in 0574) by their sales people unsolicited and by repeated calls and marketing tactics. I gave in and didn't make any purchases but still paid the annual maintenance fees on 6th January 2021 (ending in 0574), after which i did not use the card and hence later the card was blocked as per the customer support team from Citibank and did not even display on the Citibank app, which led me to believe that the card has been truly blocked. But I asked for an email intimation multiple times for blocked card but they said it's not required.

Now, since the past 4 months I started getting annual maintenance charges unpaid messages which I ignored since to my knowledge the card was blocked and I thought the messages to be a simple back-end error.

Citibank Credit Cards then - without intimation - blocked my active card ( ending in 0608) as soon as I redeemed the credit card points which were numerous and stopped my operational and transactional facility.

I called the customer support department and was directed to the collection department being told that I have to speak there else this case wont be resolved. Also, I was given an incorrect number for the department. When I finally discovered the corrrect number after calling them multiple times to contact the collection department I was subjected to rude language and threats and insulting behavior in general and was told that my primary card (ending in 0608) would not be unblocked and this implies all my redemption cashback accumulated after paying all my dues on time are all gone.

After multiple such calls, mental trauma caused due to constant excuses, I finally told them that I would have to resort to legal action, they changed their tune and requested me to not accelerate this matter, which tantamounts to their admission of fault in this matter. However, they only reversed the unfair charges on the new card ( ending in 0574) but not all the tax on the unfair charges maintaining that they needed more approvals from the center head to reverse the GST charges which are just 250 etc.

Now since the past one month I have been just hearing empty promises - without any connecting action - that I would be speaking to their seniors and this matter would be resolved, but that is the extent of it : fake promises repeatedly.

Also they said they need approval to unblock my other card which I have used consistently without any pending dues ever .

Sir,

I have lost out on the following :
1. My cashback and redemption points on the primary card ( ending in 0608)
2. Reversal charges not removed completely
3. My CIBIL score has fallen below 700 due to this entire situation
4. Mental and emotional harassment and loss of peace of mind due to the rude, unprofessional behavior of the Citibank collection employees and the barrage of insults and threats hurled by them.

I would like redressal for all of the above mentioned points.

Hoping for a swift resolution.