[Resolved]  Citibank (Credit Card) — Wrong commitment/fraud

Hi,

I have a citibank Gold card. I was about to purchase a laptop for myself. Before purchasing the Laptop, I called up the Customer care of Citibank for how to go by the EMI option. The lady speaking to me clearly told me that if you purchase it right now and get converted into EMI, the first installment would get due in the next comming statement, however if you get it converted after the bill generation but before the due date, it will be billed in the next statement giving extra one month's statement. She never told me that you didn't made the last month's minimum amount and it cannot be converted into EMI at all.

Anyways she guided me and I followed the path I was guided.

Now after the purchase is made and the bill is generated, I call the customer care again for EMI conversion and they say that it is not possible at all. Again I called up the customer care in the evening and the person attending the call apologized to me saying that it was a wrong peice of information provided to you and if I make a minimum payment of Rs. 21xx.00, they will convert the amount into EMI for sure which the person confirmed three times over the phone.

I made the minimum payment as advised and called up the customer care again for EMI option. Again the customer care representative advises me that it is not possible at all. I repeated the whole story again that what I did prior to purchasing the Laptop and how can you say that. I also had a word with their manager his name was something Likhap or whatever, he said that sir it is not possibe but i will check and try if possible and will call you back by evening. He never turned up to me again.

Finally I called the customer care again and talked to Rohit. He transferred me to the EMI department where I got connected to Deepak, he checks and says sorry it is not possible, I tell him the entire story again and told him that if not, I will not pay anything at all. Having a long conversation, I asked for their manager.
I now got connected to Navjeet, she is some supervisor. I told her the things again and told her that you people have misguided me, I am not at fault at all which is a true fact. Penalise your employee for that and get me a solution. After a long repeated discussion she says that she will waive off only one month's interest and late payment and rest I have to pay.

Now the thing is, when I am not at fault why should I pay extra. Why the hell Citibank has customer care who misguide people and penalise them for no fault of them.

Please help me in handling this matter, I would be highly grateful to you if this gets resolved somehow.

Thanks!
Arun Raj Naiyar
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