Citibank — personal loan service

Address:

New Delhi, Delhi, 110049

Hi,
Who ever read this want to tell you my experience and complain against City bank.
I took 7 lakh loan from city bank, they deducted some amount as processing fess, i was ok as turn around time and interest rate was better.

Now everything was smooth because i EMI's were going on time.

1 month back i asked them for pre closer letter to close my loan, i did not get any, again 1 week back i called and they told they will send by 9th july.
again no letter, once i called yesterday, the lady told me wait for 3 more days you will get that, now tell me guys who will pay the interest of last 1 month or even 1 week if they are not sending it.
The CSE told me your mail box is not accepting mail, i have gmail id, which most people use.

yesterday i paid full amount just by calling customer care and understanding the breakout(atleast there customer call service is good, it connects), now when i called them the lady says sir after 3 days only i can tell, when i asked at least some transaction check or some proof that at least amount is reached, i got the reply no sir, we don't have any.
i just want to know, really they don't maintain database for the payments, and in this digital world they can't tell whether payment is done or not.

ok, now next thing i asked is to take a request for sending the loan closer letter or what ever no loan outstanding letter,
now she told we don't have process to send any letter for loan closer.
i got surprised and asked what if i want a payment receipt of loan amount which i paid, she told no bank gives online payment slips.

there are pros and cons but this is really idotic that someone in this digital world says loan closer letter can't be given on mail.

I have called 1 year back for loan closer and no dues to ICICI, i got that in 10 mins on my mail, but here everything have 3 days SLA and 90% processes are old age, yes they say this is RBI policy:
Great:)

Personal Loan Number: LGGARC8422156
Transaction Reference Number NHDF[protected]

If This can be forwarded to RBI, if 3 days is there SLA want to know one thing, if i have done online payment and if by any chance there is loan no issue or some issue, for 3 days people will not ask where my money is, is that really paid, will my EMI's get stopped??????