[Resolved] Citibank — Loan on card | |
Hi, I am unwillingly writing this as I have been forced by the situation Citibank has created for me. I DO NOT expect such an unprofessional and unethical behavior towards a loyal customer of Citibank. This space is actually too small and impractical to narrate to you the kind of harassment that I have experienced. However, I have managed to find little time from my busy schedule to summarize the bad weather at my end. I am using an Indian Oil Citibank credit card ([protected]) from about more than 4 years. On march 2006 I received a call with an offer from your bank of Rs.1, 47, 000/- loan on this card. I took the loan and started paying the EMIs. After about 10 months I started receiving calls from the bank reminding me about the outstanding amount and forcing me to pay the minimum amount payable as soon as the statement generates (which means in the first week of every month). Whereas my last date of payment is on 21st of every month according to the statement I receive. Also it is important to note that from the beginning I have given a standing instruction to my CitiBank Suvidha account for the payment. I was getting these kind of calls in every 2/3 days. I was trying my best to make them understand that I have given a standing instruction to my Suvidha account and they don’t have to remind me all the time. But all my efforts were useless. It was clearly understandable that they wanted me to pay off the total loan amount in one shot. I had taken the loan for 4 years and it was quite impossible for me at that point of time. In due course, I was offered an additional loan of Rs. 99, 000/- on the condition that they will close the previous amount and I’ll have to bear the interests and EMIs of the combined amount (the previous amount + currently offered amount i.e. Rs.1, 15, 380/- + Rs. 99, 000/- = Rs. 2, 14, 380/-). And, now I get calls from Citibank almost every day (Ph no.[protected] for ref), asking me for the payment knowing the fact that all payments are in the form of standing instructions. This has become so irritating that I am losing my reputation amongst my family and friends or co-workers. This is a serious matter for me now and I DO NOT want such calls anymore. Why does anybody have to call me when I am paying EMIs on time? Why should I explain when I am going to pay through STANDING INSTRUCTION? – This sounds so foolish! Or Citibank has hired tele-callers to harass people who are somehow associated with the bank. They have called me uncountable times. This kind of behavior indicates that Citibank wants me to clear all the remaining amount at one go, which is unfair and against the law. I don't know whether it makes sense mentioning it here... The complain section in the Citibank website is something which I think is for fun. Any complains made through this never reaches them... some irritating link error is popped up at your face - seems like they don’t want to receive any complains from you. Such a response forcefully makes me conclude that if this is what they offer in terms of complains then what would be the level of seriousness and professionalism offered to Citibank customers. I need suggestion on this……. Regards, Sourav Sagar Panda. Was this information helpful? | |
Aug 14, 2020 Complaint marked as Resolved | |
 2 Comments | |
Comments
Hi,
I am a citi bank credit card holder. I was using my credit card from last 8 month, everything was going normal. One day I got a call from Citi bank credit card department, they offered me some Insurance Plan. They gave me the details regarding the Insurance through call. I denied to accept the policy but they forced me to listen it. I have told them to call me later once I take my family permission, but they din't gave me the chance to cut the call and at that movement they have clearly informed me that they will send a documents regarding the policy in your mailing address and if you are interested accept it otherwise call us within 15 day after receiving the document to reject the policy, this was the pre-condition kept by them in front of me. In this condition, I have given my few minutes to them.But I din't receive any documents from there side.
After few days I came to know that something around 9000 rps has been Charged on my Credit card. When I came to know about it, I gave a call to them and have canceled the policy. At that time they din't informed me about any charge for the cancellation. After few month, I came to know that there is a 5800 amount outstanding in my Credit card. I again called them and denied to pay the amount but they are forcing me to pay the amount. They say's that flow doesn't work like this, we dont send any documents. Whatever we do we do it in call. In every 2 day they calls me regarding the same. I want to say that when I was not interested then how can u people start such Insurance and charge for it.
Before I highlight this matter into Consumer Forum / Court, Press, I like to give a fair chance to your branch to take the necessary steps in this matter and resolve it at the earliest. My uncle use to work with Times of India group, it will not take much time for me to raise the complaint regarding the same. So please take the neccesary step at the earliest.
My Email Id :- prakash.h.[protected]@gmail.com
I am a citi bank credit card holder. I was using my credit card from last 8 month, everything was going normal. One day I got a call from Citi bank credit card department, they offered me some Insurance Plan. They gave me the details regarding the Insurance through call. I denied to accept the policy but they forced me to listen it. I have told them to call me later once I take my family permission, but they din't gave me the chance to cut the call and at that movement they have clearly informed me that they will send a documents regarding the policy in your mailing address and if you are interested accept it otherwise call us within 15 day after receiving the document to reject the policy, this was the pre-condition kept by them in front of me. In this condition, I have given my few minutes to them.But I din't receive any documents from there side.
After few days I came to know that something around 9000 rps has been Charged on my Credit card. When I came to know about it, I gave a call to them and have canceled the policy. At that time they din't informed me about any charge for the cancellation. After few month, I came to know that there is a 5800 amount outstanding in my Credit card. I again called them and denied to pay the amount but they are forcing me to pay the amount. They say's that flow doesn't work like this, we dont send any documents. Whatever we do we do it in call. In every 2 day they calls me regarding the same. I want to say that when I was not interested then how can u people start such Insurance and charge for it.
Before I highlight this matter into Consumer Forum / Court, Press, I like to give a fair chance to your branch to take the necessary steps in this matter and resolve it at the earliest. My uncle use to work with Times of India group, it will not take much time for me to raise the complaint regarding the same. So please take the neccesary step at the earliest.
My Email Id :- prakash.h.[protected]@gmail.com
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Citibank N.A., P.O. Box No. 4830, Anna Salai Post Office, Chennai, Tamil Nadu, India - 600002
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The Manager,
Citibank N A
Global Consumer Bank,
2413, Kumar Capital,
East Street, Camp,
Pune – 411 001.
Subject: Fraud regarding repayment of loan.
Applicant: Mr. Ravindra Pal Singh Bhasin
Dear Sir or Madam:
With reference to the above subject I am requesting you thru this letter regarding the loan, which I have taken for my business purpose Rs. 3, 55, 000/- (Rs. Three lac fifty five thousand only) that I was repaying regularly to Citibank branch Pune. A month back I received a call from Citibank regarding my balance loan to be repaid amounting to Rs. 1, 51, 800/-. As a received the call from the bank, I personally went to the East Street branch and submitted the receipts (photocopies) against which I have paid the said amount.
Bank official has informed me that the said receipt amount is not reflecting in the books of loan account in bank system. Then I went to Citishelter Bank premium point, II nd Floor, M G Road, Pune and met with Mr. Peter, Manager who asked to handover originals for verification purpose. So I submitted the required copies to Mr. Yogesh Tendulkar for verification purpose and photocopies were retained by me. The whole case have been carefully listen by Mr. Peter and advised me to call him back after 10-12 days on his Mobile No. [protected].
When I called again after 10 days to Mr. Peter he gave me a new number [protected] as this matter was escalated to higher authorities and also informed us that he will be on leave so the matter should be referred on the above given number. When I called on this number I have been informed that the matter has been taken up for approval however after two days this number was just ringing. Finally I once again visited the branch and met with Mr. Yogesh Borate who informed me that I will get back the receipt amount which I have paid i.e. Rs. 60, 000/- & Rs. 40, 000/- however I will not get back the remaining Rs. 60, 000/-. When I asked the reason of it I have been informed by Mr. Yogesh that I should do what ever I want and even Consumer Forum / Court could not do anything against us.
When I asked for Loan Account Statement that times my account was still reflecting that Rs. 1, 51, 800/- is still outstanding. I once again call Head Office Manager on[protected] and talked to reception Ms. Surabhi who checked on her system and informed me that the entries are not seen in loan account and gave me a complain number[protected] and requested me to call back after 5 days for taking feedback.
Next day I got a call from Mumbai of Mr. Paritosh[protected] saying that Rs. 1, 00, 000/- will be approved however for remaining paid Rs. 60, 000/- could not be traced hence could not get adjusted against outstanding. The reason given was as the original receipt is not with me hence could not be taken into consideration that means based on photocopy of receipt alongwith date / receipt number / signature etc. bank is not ready to given credit to my account.
For your kind information please note when I have taken repaid the amounts fully against the outstandings following figures have been seen in my account statement details are as follows –
Sr NO Receipt NO Date Amount
1 1120 11/10/2007 60, 000/-
2 31185 Not available 60, 000/-
3 2015 27/11/2007 40, 000/-
On dated 12/06/2008 when I have taken statement from Bank I got outstanding figure as Rs. 1, 51, 800/-. After that on 21/06/2008 I got outstanding figure was Rs. 99, 800/- and lastly on 27/06/2008 statement shows outstanding of Rs. 51, 800/-.
Now can I know why still outstanding are seen in loan statement after repaying the whole amount of Rs. 1, 60, 000/-. I am even not able to understand the behavior of Bank employees / officials. When I am producing the receipts why can’t simply they go thru the dates of the receipt and search / reconcile the statements verses receipts, dates wise, amount wise and receipt number wise and why a client should suffer so much for the misdeeds of the bank official. For a simple matter there were many calls, visits, discussions, and meetings and finally outcome is pathetic. This is not expected from a bank like Citibank who has big name in the market however internally it is worse then any co-operative bank.
Before I highlight this matter with your higher-ups & into Consumer Forum / Court, Press, I like to give a fair chance to your branch to take the necessary steps in this matter and resolve it at the earliest. I have relationship with big business lobbies of Maharashtra and don’t think that it is a kind of warning however the cruel reality is before doing any action against you legally take it as a opportunity and revert with confirmations.
My Email ids are –
[protected]@yahoo.com & [protected]@gmail.com
(Ravindra Pal Sing Bhasin)
A/c No. 903420
City: PAA
Loan Type: PPTL
LOC : 13675