[Resolved]  Citibank — unauthorised debits from savings account

i am an account holder with citibank for almost 7yrs now. i had a suvidha account which means it was a salaried account. I was offered a ready credit facility over the phone where 5% of the principle amt along with theinterest would be deducted every month from my account. then i changed jobs and hence my salary account changed. The cooloections dept of CITIBANK the agent informed me that since no salary hasbeen credited to the account hence the deduction would be 10% of the principle amt which was notinformed but I still agreed to the same. the month of Dec 07 i was offered by the same agent to convert the ready credit amt to an Easy EMI loan and I had to make a inital payment of 2559RS and the emi would be deducted from a different account from the month of FEB 08. whichi agreed the to .The payment got cleard on the 28 Dec. hence thinking everything has been taken care of . I deposisted a check into the CITIBANK SUVIDHA ACCOUNT of close to 70,000RS. IN the month of JAN 08 the first week iteself I see debits of 16,000 RS and 6,000 odd amt and also interest ebing debited towards the ready crdeit.To top it all on the 17 jan the final debit of 25,772RS was taken out leaving me with NOTHING. I called thebank and the service dept adv me to call the Collections dept. which i did when i spoke to the same agent he said the EASY EMI was subject to approval and was declined in my case. This came as a shock because i was not told that earlier and I have my mom in the hospital with Bills to be paid.
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Aug 13, 2020
Complaint marked as Resolved 
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Citibank — Unauthorised request on my account

I have a savings account with Citibank.Few days before I had taken a Vodafone Postpaid Sim & as per their policy i had to pay the bills through ECS.So did that with my citibank account.Later in Jan.2009 I gave a request for cancellation for the ECS only for Vodafone but citibank cancelled all the ECSs on my account.Due to this one of the EMIs for my personal loan got bounced .I have never defaulted for any payment till date . This is affecting my credit record & also I would be penalised for the ecs bounce from the other bank(bank from which personal loan was taken ).Please help as there was an unauthorised change done on my account of deactivating the ECS for the personal loan.


Shweta Katke

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