Citibank — Huge interests

Address:

Bangalore, Karnataka

Sir,
When i was studying graduation, Citibank offered me a credit card and they said it is life time free credit card. I didn't use the card at all. One day , they called me and said about royal sundaram health insurance. I was very reluctant about taking that policy. But the citi guy, convinced me saying that just try this and whenever you would like to cancel this , Just send a mail regarding cancellation. I paid amount for first year which is 1600/-. I found it was damn waste of money,So i sent a mail to cancel the medical insurance policy. Despite of my mail they didn't cancel and they deducted the money. Then , I sent a mail saying that i already applied for cancellation of credit card and I am not going to pay the bill this time.
I haven't done a single transaction for myself.
Then i lost the credit card. I informed them about this loss of credit card.
I didn't get any reply from citibank. I used to send a mail everyday. But after a couple of mails, they said it was alreay cancelled as i didn't pay any amount for second year of medical insurance.
Then because of health problems , I didn't get chance to look into this issue again and i forgot about this issue.
Two days back, I applied for a personal loan which was rejected saying that i am a credit card defaulter with citibank. When I see my CIBIL it was mentioned in that.

I called citi bank credit card curstomer , saying this issue, They asked my credit card number. As i didn't remember my credit card number, they asked my name, date of birth and mobile number. Then they confirmed that there is no outstanding amount with this credit card.
But i would like to know why my name is mentioned as a defaulter in CIBIL.
How can i get a proof from citi bank.
I found citibank customer care to be very bad.
Please guide me , how should i proceed further.
If i don't find any solution , I am planning to settle some amount to remove name from CIBIL.

How can citibank has done all these things with students. It has very bad customer care centre.


Regards,
Sriram.