Citibank Complaints & Reviews

I am using citibank credit card for the past one year & paying the dues on regularly basis before due date.Still then i've been receiving calls on citibank behalf for their dues followup with no days limit & no time limit - even on sundays & in late evening almost 5-6 calls per day, everytime calling different person.
in a way of threatening me.I ve made a complaint at Citibank, chennai but of no use.Pls help so that i do not face such harressment & gets call only after the due date, when the dues are no paid by me.

Hi, I am foreigner and had an account with citibank in Bangalore for a couple of years. Wanted to do a foreign outward remittance of money which I initially transferred from Germany to invest in India. This is a transaction which took my bank at home 10 Minutes!
However for transferring the money back, it took me around 4 weeks with Citibank! First of all, they take very long time in responding on inquiries - in comparison to other banks its 5 to 10 times longer. Secondly, I really doubt their competency. The first person was asking for all kinds of weird documents (like passport copy, visa copy, payment slips for the last couple of years, etc.) which were not at all required for the transaction I wanted to do. I called this person and she still insisted (and was very rude on the phone) and was not willing to provide support. Finally (after some days and after I escalated the issue a couple of times via Citibank website and emails) another person contacted me, saying the above mentioned documents are not required, I just would need to fill in some forms and send those back. I did this the very same day when I received the forms. Then again 2 days nothing happened from Citibank side. I again contacted them, then the person were saying I need to provide documents were the money came from (FICR-document). I was getting also these documents and sending it across the very same day. Again 2 days nothing happened. Then they were asking for a Certificate as a proof that I had paid my taxes in India. The said it would be a requirement asked from RBI (Reserve Bank of India). I did not know where to get these Certificate nor did I know what format is required nor did I understand why this is required at all. Since I'm in India, I was never missing out making a proper tax return (filed via E & Y).
So I was asking E & Y, I was asking a Chartered Accountant, I was calling someone from the RBI. Nobody could tell me why this is required nor provide me such a certificate.
So again I contacted Citibank to tell me what this is and what for. Then again a day got wasted until they were sending me the certificate form they would want to have filled in. They were saying it's a government requirement, I need to proof that I had paid taxes on interest for the time the money was on my bank account, however this is not possible, as this is part of the upcoming tax return filing with E & Y for the current year. So again I had to call Citibank. Finally another person (now the 3rd person) was calling me back, telling me, that the certificate would be not required, instead I could provide a letter from E & Y that it's part of the current tax filing. After providing this letter, it took some more days until this transfer finally happened, i.e. my initially transferred money from Germany to my Citibank account in India got transferred back. The whole transaction was extremely expensive and to get it finally done took around 4 weeks. Citibank was wasting here my time, my nerves, put endless hassles on me. They were not supportive in the least, nor do the have a proper complaint management in place. Logging a complaint via their website is of no use at all. One does not get a confirmation if the complaint were received, nor any indication if anything is going to happen and when.
The learning out of this: Never ever am I going to transfer money from my home country to Citibank India. It is a huge risk, they have extremely bad service and expertise and the cost for transactions is ridiculously high. They are wasting time and money of their customers and you're not treated like a customer. They are rude, have ridiculous processes in place and are not trustworthy in the least.

Dear Sir,

Please consider this email as a desperate request of Good Services from Citibank . I am a Priority Customer Credit card ([protected]) . I have taken a Good Health Policy and have paid full amount in the month of March but I have not yet got the Cover note of the Policy . I have called up Multiple times to Citibank to get the policy cover note but they have only one answer :They are sorry for the inconvinience and somebody will call me in Next 48 hrs . And beleive me no-one calls

See below email sent by my father to reply us . I donot understand if Citibank takes the money why it is not delivering .

If you can look into the issue it will be great .

Else I am already frustrated with Citibank .

Thanks,
MOB:91 -[protected]

[protected] Forwarded message[protected]
From: <[protected]@yahoo.co.in>
Date: Tue, Jun 16, 2009 at 12:30 PM
Subject: Fw: RE:'Citibank=[protected]' RE:
To: [protected]@citi.com
Cc: [protected]@vsnl.com


Dear Sir,
With reference to your forwarded correspondence regarding renewal of policy, I am sorry to inform you that the subject policy has not been received by the cardholder, though the premium has been duly paid.Kindly look into the matter and arrange to send it expeditiously.Telephonic reminders have been made by the cardholder of card ending 3007 without any result.Priority action is required please.
Yours faithfully,

- Statement of Credit card (no. [protected]) for the month of May 2009 recieved which contained fraud transactions worth total Rs. 24098.97.
-Immediately informed the Bank.
-Bank promised to look into this matter.
-However, the bank has recently sent a letter stating the transactions as valid & asked me to pay the Amount.

These transactions for sure has not been done by me. As such I will not pay this Amount which is false.

Pls help me how to go about.

Dear Sir,
I have repeatedly mailing and contacting the citi bank people but no response i m getting from citi bank. For your reference i attaching the copy of mail:
first mail:
from rahul sharma <[protected]@gmail.com> hide details Apr 24
to


CitiAlert.[protected]@citicorp.com,
[protected]@citycorp.com,
citialert.[protected]@citicorp.com,
[protected]@afsindia.com
date Apr 24, 2009 3:07 PM
subject Cheque bounce complaint
mailed-by gmail.com

Dear sir,
Home Loan A/c No: 11478475
Amount: Rs. 6647/-
Date of debit: 5th of every month

I have been facing repeated problems from your home loan department regarding Cheque bounce but i always maintain the required balance in my a/c always. But no positive response is coming from your side. You repeatedly provide me cheque bounce notice. For this particular purpose i visited my Bank through which you debit home loan installment amount. My banker says that no cheque has come for realization and i have a taken out statement to prove authenticity and non professionalism form your side. Last mont on 05 march2009 you gave me the cheque bounce notice but some how your executive from collection department collected cash from me but i have no clue that youe have collected the payment or not. And this month 5th april 2009 i am receiving the same cheque bounce notice from your side.
Your customer care people dose not respond properly.

I you are unable to solve my problem than i will go to the consumer forum.

Regards
Sushil Kumar Sharma
[protected]@gmail.com
[protected]



Second mail:

Dear sir,

with reference to previous mail regarding cheque bounce, I have not recieved any communicarion from your side or response. Deatils as requested by you is as follows:
Name: Shushil Kumar Sharma
Mob No: [protected]
Loan A/ no: 11478475
EMI Amount: Rs.6647/-
A/c Type: Consumer loan
Asset financed: Home Equity
Booking date:[protected]
Amount financed: Rs.412000/-
Tenure in month: 120
Interest rate: 15%
Branch ID : 1
Branch : New Delhi.
SAVING BANK A/C NO AND ADDRESS: SBI, MAHARAJ PUR, BEL, GHAZIABAD
A/C NO: 730810
THIS IS MY SECOND AND FINAL COMPLAINT TO YOU. AS PER PREVIOUS MAIL I HAVE NOT RECIEVED ANY RESPONSE FROM YOUR SIDE.

THIS MONTH[protected]DATED CHEQUE STILL NOT PRESENTED IN MY SAVING BANK A/C AND I REPEATEDLY RECEAVING CALLS FROM YOUR COLLECTION DEPARTMENT. BUT I HAVE SUFFICIENT BALANCE IN MY A/C AND THESE COLLECTION PEOPLE USE WRONG LANGUAGE OR SOME TIME ABUSE.

I HAVE PAID CASH OF[protected] AND[protected] MONTHS BUT I HAVE NO CLUE ABOUT THAT YOU HAVE RECIEVED CASH OR NOT. I WILL NOT GIVE FURTHER PAYMET UNTILL CITIBANK GIVE ME THE STATEMENT OF CASH PAID.

MY BANKER (SBI) SAYING THAT NO CHEQUE FROM CITIBANK HAVE COME FOR REALISATION AND CITIBANK IS LYING THAT MR. SHUSHIL KUMAR CHEQUE DISHONOURED. SO, I NEED CLARIFICATION ON THIS ISSUE. I CAN PROOVE THAT NO CHEQUE HAS COME FOR REALISATION/CLEARING FROM CITIBANK. WHEN NO CHEQUE HAS COME FOR REALISATION THAN HOW COME YOU SAY "MISCELLANEOUS AND INCOMPLETE SIGNATURE"? SO, CITI BANK HAS TO PROVE THIS.

I WILL WAIT FOR RESPONSE TILL LAST DAY OF THIS MONTH(30/MAY/09). IF SAME PROBLEM CONTINUES THAN I WIL GO TO THE CONSUMER COURT.

SHUSHIL KUMAR SHARMA
MOB NO: [protected]
([protected]@gmail.com)

I had two credit card accounts with Citi Bank:
1. [protected]
2. [protected]

These two above accounts were closed by me in year 2004. I called the customer care and requested to close the above account. After the submission of request, I got call from your Chennai branch and they confirmed the request of account closer. They confirmed me that there is no outstanding on my both the cards and he is going to close the same.

Next day when I checked my Citi Bank online portal I found that those two accounts were removed from my account list. I again confirmed the closer of my account by calling the customer care about the non-listing of the other two accounts.

Then after 4-4 and 1/2 years (is this number lucky for you guys?), I received one bank statement for my closed credit account (xxxx8012), stating that there is an outstanding amount of ~32, 000 on the same card.
In a state of total shock, I called up the citibank customer care and got to know from them that there is some payment (~100) was due on your card and after adding all the interest and all charges it became ~32, 000.

I didn't understand why I was not getting any communication from Citi Bank for last 4 years, if there was any outstanding amount on my card (which should not be there as per the confirmation at the time of account closer). Even I have not changed my mobile numbers for the last 4 years. If, Citi bank did any magic to send that letter to my address after so much time, then why they didn't did the same magic 4 years earlier. I could be in a state to clarify the issue.
Then customer care provided me phone nos. of other Citi Bank officials. To whom I called and sent mail regarding the same. They assured me that they will go in detail of the same and get this issue resolved. And will call me after that.
I again had not received any call from any Citi Bank official. But, after nearly 6-7 months I again received an SMS stating that there is an outstanding amount of ~RS. 34, 000 on my credit card account (xxx8012).(I am now highly depressed).

Again I called up customer care and they gave me following number and suggested me to talk to the person available on the number as this number belongs to collection center:

Collection Center number:- [protected].

When I called on the above number then the guy picked up the phone said that he will not be able to resolve the issue and I will have to call another number {not again :-( }. He provided me another number : - [protected]. I talked to Amit Kumar on the given number and he was totally trying to prove it my fault.
I don't know what is wrong, because now a day's whenever I view any business news channel or try to search credit card issues on internet. I found that not only me but there are a lot of person that are having the same issue and that also with the Citi Bank only and not with other bank. Is there anything wrong about the bank, so that their letters or SMS's reaches to client only after 4-5 years?

Please help, as my this account was stated closed by Citi Bank 5 years back and dispute came after so long duration.

Dear Sir,
My Card number is [protected].
Without Informing me the Citibank has blocked the card and becz of the block card the money was due for payment of my health insurance it was not done and my mediclaim expired.
Pl let me know under which RBI guidlines the Citi bank has blocked the card inspite of regular payment of my card. Pl also let me know if I want to file the PIL in Bombay High Court or to file the complain before the Consumer Court, what are the procedure for the same.
Regds
Bankim

Hi,
This is in reference to my citibank cards that i have, although making my payments on time for the total amount due at the beginning of the time i had the card, althoug workin out with the colection agencies to make my payment on time by EMI, these people asked me that they will send a letter stating my outstanding has converted into an EMI after taking the necessary approval has increased my outstanding on the card account. And as i was waiting assuming that these people takin an approvalthey used to ask me to issue them a check for a certain amount and they used to ask me to make a stop payment so that they can take an approval as they will have the case in their hands, and so i did. but then one fine day these people take out unauthorized payment from my bank a/c leaving my a/c to almost nil, and after a couple of days i was expecting my car loan that i have with other bank to get cleared but because of insufficient funds in the bank a/c it did not cleared and then they also contacted my office place to confirm my employment and also they informed the issue to the HR of the company which led a mental disturbance to me. And now he wants me to pay the EMI which i have agreed but i want them to teach a lesson as for what they did

Dear Sir,

I had submitted my PF Form to RKPL pune office in Feb 2009. I personnely met the company authority for My PF Settlement. They had given me Mobile number of Mr. Sumit who is looking for PF and accounts. I have rang up on the number lots of time but he will not pick up phone & vists Pune office many time. Now i can't under stand whom should i have to contact to resolve my problem.

Date: 11/06/2009

To,
The Manager,
Citi Financial Ltd,


From,
GANESHBHAI RANCHHODBHAI PATEL
B-68, BAHUCHARNAGAR SOC,
OPP:HARI OM DYEING MILL,
VED ROAD,
SURAT-395004 [GUJARAT]
MOB NO:[protected]


Dear Sir,

Sub: Change of the interest & installment amount for loan
My Loan A/c. No.10712566

I/We request you to effect the following changes in my Loan a/c. No.10712566

When I am loan received Rs.553000/- date 25, March-2007 [installment amt 8923X 120 month=1070760] at that time loan interest rate 15.00 % pea annum now interest 19.00 % [installment Amt 8923X160=1428160] difference in interest amt=357400. so, I am not ready to paid of difference interest. I am request to my loan interest as per starting loan interest.

I was apply above request three time send to your SURAT athwalines branch but till this today I have not reply & response.

I believe your rules & regulation but you are follow in my request as above.

Yours Faithfully,

FOR, GANESHBHAI RANCHHODBHAI PATEL

I had a supervisor from the citibank collection team coming and collecting dues of the bank from me for my loan and one day he told me that he will take my brand new N72 with him as deposit and when i would give back the EMI he would return it the nos that he have me were false and also he was not picking up his calls finally i decided not pay the amount of my loan to the bank and wait an watch and now they are sending collection people to my house at larte nights when my mom is alone and threaten her

Kindly Guide me what to do
[protected]

Hi,

I am holding a citibnak ac num [protected]. On 1st jun 09 I have deposited cash of 40k through ATM location:II-ramyclg bel rd itl blr. but from the citibank it got credited 39k to my account.there is a 1k less in my account.
I have given complaint against it but not yet resolved.
I got a call from the callcenter and they informed me that the deposited amount was only 39k, when it is 40k.
Can you please look into this matter immediately and get me a +ve response. I dont expect the same answer that I got from the call center guys.


Thanks,
K.Thulasiram

I have been using citibank credit card for the past 4 years. The credit limit of almost 1.1LAKHS was all of a sudden reduced to 10000, without any prior notice. I was surprised when the card was declined at a PoS. All these had happened inspite of paying off the total amount due/ much more than minimum amount due amount every month. On contacting the customer care, the citiphone officer was neither pleasant enough in explaining the reason nor was ready to register this as a complaint...
its really frustrating...and have just cancelled the card..

Hi All,

Citi Bank has a very abnormal policy that when you deposit cash across the counter at their branch they dont credit it at the same time instead they take the whole day to credit the money into our accounts. When you ask them what it is they say it is a policy of the bank. When asked where can i check the policy they dont have it any where in the website or at the branch. They say that it has been communicated in the account opening form and no other reference.

It is really means no sense they hold our money without any reason for one whole day and say it as a policy of the bank.

Thanks & Regards,
Vignesh

Hi
I have registered my number([protected]) in DND service. I have the do not call facility from December 26, 2008. But I am getting the alerts from Citi Bank.
Please register the complaint on this.
Message I got is:

"Citibank Ready cash Personal Loan upto 15 lakh in just 48hrs*.Call[protected]*Refer to www.citibank.com/india for T&C & chrgs
Sender: [protected]
Date&Time: June 5, 2009, 01:09pm"

I got the above message from Citibank.
Kindly make the complaint on citibank
thanks
venu madhav g
[protected]

I am a citibank credit card holder and have been getting calls from so called customer care as a payment due date reminder calls day in day out. These are not calls made for late payment or payment recovery. It's pure DUE DATE REMINDERS. Sometimes i even get blank calls from the same number and when i speak to someone they apologies for not getting updated records from their. This is really irritating because i have been getting these calls daily. I called up customer care on their paid number (I think it is mandatory for every bank to provide toll free customer care number) but citibank does not have one. instead they asked me to visit their ATM and make a free call to customer care by their customer care representative. The number from which i get a call is[protected]
I request you to kindly help me in this.

Hi,
My name is Anup Puri, my dob is 28.08.1978 and i had a citibank credit card back in 2005.
The problem is i was unable to pay off the entire account balance My card got setteled on the amt. of 110000/-
out of which i paid 60000/-. 50000/- is the outstanding amt.
which i need to clear but i am not in a situation to pay it right now. i am continously recievings calls from
Globle india Credit Control, B-222, Nariana Ind. Area,
Contact Number--[protected], & the Recover Agents who gives me a call every now & then is
Manish Malhotra( idont know if this is his real name) and his manager's name is Sanjay Singh.
these people are continiously mentally harrasing me, Manish malhotra & sanjay singh abuses me left, right and center and has been bothering my parents
and my wife. he atleast calls me every day for about 100 times.I do understand i had not made the payment for past 8 months
but does that mean she will make my survival difficult. he has gone to the extent of telling me kill yourself and then
pay the money.it has traumatised me and my family. they ask me to beg on road, they threaton
me regulalry by saying this that if i will not pay this amount, they will block my passport and my salary and
also threating me that they will throw my household out of my house. I have already made a payment of Rs 60, 000.
Please help me i would really want your dept to look into the matter before its too late, i am scared he might
just kill me, i am in tears.

Dear Sir / Madam

I would like to bring my kind notice to you that, i had availed personal loan of Rs 40, 000 in aug 2008 as on dec i went to UAE to join National Bank of Dubai, i always made my payment on time but few months ago i came down to India to change my Visa as i will return UAE in july 09 and due to this reason i could not make my EMI on specified time, one of collection guy approached to me for collection as most of time i reamain at my office he always comes to me early morning which really annoy me, i assured him to make my one payment and requested him to send an request for final settlement as i dont reside in india but he insisted me to pay the due which anguished me. Yesterday one his senior staff along with him came to my home late night at 8: 30 pm for the due amount, i endured his attitude coming late night for collection this is seriously unethical and pathetic business practice, its easy to make code of conduct regarding collection

procedure and department like grievance but need to follow it . I am really upset with this attitude of collection .

Thanks & Regards

Pintu Prasad

Asst. Sales Manager

Retail Banking

National Bank of Dubai

+[protected]

+ 91 [protected]

Dear sir/Mam,
I droped a chq for the payment against of y card trough atm drop box.but some how the chq was lost, and i didnt get any information from ur side.after 1 month some lady called me up and shouted me for not payig the amount.itold ger untill unless if the charges not waived i wll notpay, bcus the chq was lost frm ur side.after 1 week tha lady call me again and gave a mai id i.e. gargi.[protected]@citi.com.and ask me to launch a complain and pay rs180 and she will waive all the charges.i mailed and pay rs 200.but the chargs was not waived. Now the amount increased to rs 6900 where as at that time the due was 4000 apprx.although somebody called me frm gurgaon an he told me if i pay the entire amt then only the card wil get active.bt i cant trust him bcus previously i was cheated . right now i want pay the amount and make the card actvie, bcus for this reason my cibil is geting affected and im not gettig any loans frm any bank.and i also want to launch a complain againt that lady.the number is [protected] where i get the mail id through sms, she also called me from this number.

Thanks & Regds
Anirban Ghoah
Ph:[protected]

Hi Sir,

This is to bring to your kind attention that I am holding two credit cards of your bank No.
1. [protected];
Date of issuance-10/06
Date Of Expiry-10/09

2. [protected];
Date of issuance-09/07
Date Of Expiry-09/10


As you can see I have had this card since 2007 and I have been making my monthly payments on time.

However, since the month of January I have been facing financial difficulties as my organization put me on HR bench & I was not receiving my salary on time.
Due to this my credit card payment became irregular & inconsistent.

Finally, I spoke to Customer service & informed them of my predicament. They told me they had made a note of it & I could make the payment & then call to reverse the late charges;

However, I was unable to make any payment from the month of March/April & I started receiving calls from the collections dept. on a regular basis.

They kept calling me on a daily basis despite the fact that I have told them on numerous ocassions that I am unable to make any payment at this point of time. I have requested for some more time from them but despite that they always call me & I am experiencing a tremendous stress due to their pressure tactics.

This is not the kind of treatment I expect from a reputed bank like yours to a customer who has never defaulted on her payments in the past & has informed about the unfortunate circumstances which led to my payments being delayed.

I do understand that I have to pay sooner or later or else my credit score will be affected; however, at this stage I am unable to make any payment as I do not have any funds.

I will be grateful if you would kindly act upon my request as I do not want to be bothered again by these executives from different collection agencies. They are uncouth, rude & totally unprofessional.

I would appreciate if you kindly grant me a month or two for making my payment, as I do not want to negotiate a settlement at this juncture; I firmly believe that I would be able to clear my dues in the near future provided I get the adequate co-operation from you.

Thanking you,
Regards,

Shalini Nayyar