[Resolved]  Citibank / Credit Card — CITI bank is not refunding the amount even after Merchant is already refunded amount to Citi Bank 4 month before

Citibank/Credit card — inappropriate handling

This is in regards to my Citibank credit card (5425 #### #### 9002

)whose payment was overdue.Till the time i was making payment i was the
bank valued customer.i accept that i was not able to continue paying the
amount as all of a sudden i was in all kind of problems and i am still not
able to recover from things.My mistake is that i always believed that
things will go on as smoothly as it was going on when i was the valued
customer of the bank.i never anticipated that things will take such a
swing.now all of a sudden this bank calls me and
wanted me to clear my dues .i expressed them my helplessness in doing
so.they told me to pay in 2 installments of 20k each.i arranged 20 k with much pain as i have not been in any kind of job for a long time now.at that point one executive bhavisya was talking to me on behalf of citibank.she told me to give a post dated cheque of 20k which i did.but as i was only able to arrange 16 k at that point i requested her to not to present the cheque and i paid 16k in cash.Then came a second executive Sijo and then i paid the remaining 4k to clear the amount of the cheque i had issued.Inspite of that my cheque was presented.Now for the remaining 20k a third executive started calling me whose name was Forum.i had explained to the citibank in the first call itself that arranging any money at this point of time is a huge problem for me as i am really not in a position .i told them specifically that i am arranging money which naturally takes bit of a time.Now this executive was never able to get through my number even though i was receiving calls from everywhere on my number so i gave her a alternate number which happens to be my mother's number.Today this executive Forum called on my number and inspite of my mother telling her that ill be talking to her on monday as i had some arrangement for monday she threathned my mother on phone and told her to arrange the money anyhow.i had specifically told to all the executives of citibank to whom i have spoken that my parents are nowhere involved in this and wont be able to help me at this point of time .Inspite of that she told she will be sending people to my house and presurrized her to pay.Now as i am told all the time that all calls made to me from citibank are recorded.i want you people just to go through the recorded call made by this executive(Forum) on my mother's number between 9.30 to 10 A.M and listen to the kind of language used.My only issue is i have all the honest intentions to clear the dues and payment of 20k proves that.i never told them that i wont pay then why all this.They want to take legal action against me they can .its the court to verify that i have no source of income .even then i am trying to clear my dues.Nobody in this world would would face such humilation if he/she has money to pay.Its a kind of mental torture to which now my parents are being subjected for no fault of theirs.i really want this forum of yours to help me and guide me as this ill-treatment of its customers by such a large financial institution is bound to stopped somewhere.Even a person on loan is a human being and every bank
should respect its customer.They should atlest give some time or atleast
understand others problems.

Thanks and Regards
Abhinav Verma