Citibank — Poor process being followed which is of no use to customers

Address:	600002
Website:	www.citibank.co.in

I hold a Citibank savings account for more than 8 yrs. I have 2 loans running from Hdfc and ECS will be debited from my Citi account every month. Recently moved from India to Canada but still I ensured every month that my Citi account has enough funds for the ECS. Citi has now locked my account saying that I don't have address updated in my Citi account. Due to this I can't deposit or withdraw or transfer money to my Citi account and my Hdfc cheques are returned saying insufficient funds. When I tried to update my address online, the OAC code is being sent to my India mobile number which is not currently in use with me and so I couldn't update the address online. When I talked to Citi customer care, they are asking me to come in person with the address proof in order to unlock my account. This solution is ridiculous. When I say I can't come, they told me to convert my Indian account to NRI account so the account will be unlocked. This process actually takes more than a month but still I started with the process. In order to validate all my ID proofs they asked me to do Notarization with Canada lawyers and I did it by spending 10000 Rs. And now they say that I need to close my Citi credit card and only then NRI account can be opened. When I say that I was paying my monthly bill every month ie., minimum due until it was blocked. Still they say I need to close my credit card bills and only then they can proceed. However unless my account is unlocked I am not sure how I am supposed to pay my credit card bill. When I ask this question they are asking me to get in touch with credit care customer care to check for any possible solutions available in order to pay the bill having the account locked. This is keep going for more than a month and I am very much frustrated about the process which Citibank is following which is of no use to customers. Even if credit card customer care gives me a solution, I have more than 150000 due in my credit card and how am I supposed to pay it at one shot. This is completely insane. I keep asking the customer care guys for any alternative solution but they are keep saying that this is the process and they are supposed to follow. I am totally worried that a big bank like Citi does not have process to be followed for any exception situations like mine