Citibank — Misleading Reporting and Failure to intimate customer about dues

I am holding a Citibank Credit Card since one year. I have been facing problems o[censored]nprofessionalism since then. I had mentioned at the beginning prior to the underwriting process that only if limit is going to be more than 2L it can be processed and without any Annual fees since I have 5 other banks’ Credit cards with limits of 2L and above which are Lifetime free cards and my Credit score at CIBIL was 814 hence I was getting calls offering higher limits. However the card was sent home with 60k limit and Annual fees citing the reason of being riskaverse due to the pandemic and asking me to wait for a few months for the limit to increase. I waited for a year and on 8th July21 I called up Citibank Customercare to discontinue the card as this limit was of no use to me and I had to use my other cards for any of my expenses which exceed 60k. My complaint begins here – In the 8th July21 conversation lot of efforts were made to retain me and a new card was offered which had no Annual fees but there was no mention of any outstanding balance on my earlier card or any kind of intimation of any amount due and unpaid whether to be transferred on the new card.Until that date and even after that I have no clue that there is any balance due nor have I received any statement, mail or SMS from Citibank. Then on 22nd July I get a SMS stating that an amount of about 369/- is overdue whose duedate was 7th July21. I was shocked to see that and I first immediately made the payment rounding it off to 400/- the same time before any confrontation or enquiry. After a week when my organization extracted my credit report it showed credit score of 696 and I was taken aback as my score has never fallen below 800 and It showed that Citibank has reported on 20th July21 a default of 1 month and 29 days whereas the duedate is just 13 days ago and the transaction is a month ago and after reporting Citibank intimates the customer on 22nd July21.Since then I have been mailing and calling customercare but nobody is interested in resolving any grievance of customers at Citibank. Infact two people Syed and Babu called up saying they will resolve but all they were aiming at, was to prove their point and confront. They were so pathetic that I would never hire such people at the frontend who have no problemsolving skills but are just confrontational. Every Bank and NBFC is required to intimate the customer about any dues and the reporting of any default is to be done in the first week of the succeeding month in which the amount was due and not after 13 days of duedate to cause harassment to those customers who have ensured that their score is 800+ since the credit reporting began in the Finance Industry. It is basic common sense that someone who has never even delayed any payment beyond the duedate in the past 20 years or any payment of Citibank in the last one year will not pay Rs.369/- is something illogical unless there is some lacunae in the statement generation and intimation process of Citibank. I am going to make sure thatthis negligence of non-intimation of dues, misleading Reporting to Credit Bureaus, undue harassment to customer for damaging their credit score and reputation does not go unnoticed at RBI if Citibank is not interested in resolving this.