Citibank — preclosure of credit card loan

Dear Sir/Madam,

This is with regard to the Citibank claim that I possess the credit card and have taken certain top up loan and preclosed it.

The attached card had only preclosure charges which I never received in the first place. I had taken a loan in the year of 2014 and closed it in the end of 2015. After which I had stopped using the card. In fact I had even destroy the card. Citibank claims that I have taken a top up loan and preclosed it. And have not paid for a consider ble time and hence they have closed it.

I have not even received the card forget about the top up loan.

They have charged whopping amount of 40, 000 and change and asking me to pay the amount immediately.

Kindly look in to this and help me out.

Regards,