Citibank — scam - excessive charges - 0 customer service - highly unethical

Unfortunately, i opted for a credit card and used it to purchase a device using the emi option with the citibank credit card.

I have been charged unexplained interest on amounts / late fee charges during this current pandemic.

Despite all this, the current issue or the main point i would like to bring into the light is that i was trying to reach out to the customer service through calls, email, and their official website. I am unable to take a single step forward after clicking a button. I cant write a mail, cannot connect with them through call and there is simply no option on the app to reach out. All i get is self assist stupidity and pages of information from them.

I feel this is highly unfair to lock the customer when payment periods are approaching and leaving them 0 option to clarify their doubts. What option would i have instead to just pay if they charge me a hefty amount, which they are anyways now?