Citibank Complaints & Reviews

I am a credit card holder for Citibank. On 21st of Nov 2012 I received two messages in the morning around 07:15 AM and 07:19 AM about the two transactions that happened on my card amounting $700 and $900 which I did not do. I called Citibank immediately to inform regarding the same but they refused to take any action by saying that there is nothing that they could do till the transactions are claimed by merchant except blocking the card. I told them repeatedly as it was a fraud transaction and I did not do it they should block it.

I also sent them the dispute declaration form as requested by them on 22nd Nov 2012 but no action was taken. On 24th Nov the transaction was claimed by the merchant but still they did not take any action. On 25th Nov when they received a complaint from the National Consumer Helpline they registered my complaint and gave me a temporary credit and informed that the investigation would take around 60-180 days to finish after which they would take the decision that the transactions are fraud or not. I am completely at their mercy regarding the same. I have also filed a complaint regarding the same with Economic Offences Wing at Mandir Marg police station but no action was taken and after a month received a letter from them that they have forwarded my complaint to the local police station.

I am completely stuck and not sure what to do regarding the same. Where should I approach to get my money back.

Please advise. My Phone number is [protected]

From: Head Customer Care
Sent: ‎29‎ ‎January‎ ‎2013 ‎15‎:‎33
To: sunita giridhar
Subject: RE:'Citibank=[protected]'

Dear Ms. Giridhar,

This is with reference to your mail dated January 17, 2013.

We understand the dissatisfaction you have expressed in the mail. We regret any inconvenience caused.

The statement for June 2012 sent to your e mail address maintained in our records was delivered on June 19, 2012.

The physical statements for your card account for June 2012 was sent to the mailing address through Normal Post and the same was returned undelivered. Hence we are unable to trace the POD details of the shipments.
For security purpose and also to prevent fraudulent transactions, the statements and alert facility for your card account were not sent to you.

We wish to clarify that late payment and interest charges will be levied in the event that the total amount due is not received before the due date.

In light of the above, we regret our inability to accommodate your request for the reversals of the charges


In this regard, we had tried contacting you however, we were unable to reach you at the number maintained in our records.

We request you to provide us your current contact number and available timings for us to contact you. Alternatively, we request you to contact Citiphone for further assistance.

Should you require any further clarification please feel free to write to us.

Sincerely,

Lakshmi S
Head Customer Care

The information contained in this electronic message and any attachments (the "Message") is intended for one or more specific individuals or entities, and may be confidential, proprietary, privileged or otherwise protected by law. If you are not the intended recipient, please notify the sender immediately, delete this Message and do not disclose, distribute, or copy it to any third party or otherwise use this Message. Electronic messages are not secure or error free and can contain viruses or may be delayed, and Citi and its affiliates and/or the sender is not liable for any of these occurrences. Citi and its affiliates and/or the sender have no responsibility for unauthorized access and/or alteration to this communication, nor for any consequence based on or arising from your use of information that may have been illegitimately accessed or altered. The Citi and its affiliates and/or the sender reserve the right to monitor, record, transfer cross border and retain electronic messages
-----Original Message-----
From: sunita giridhar ([protected]@hotmail.com)
Date: Thursday, January 17, 2013 01:03 PM
To: head.[protected]@citi.com (head.[protected]@citi.com)
Subject: RE: Bill payment for my credit card



Dear Lakshmi,
Your statement " Consignee shifted " is wrong . The address available with you is my own house and permanent address.
My not being available in the house when the courier has visited does not imply Consignee has shifted.
My work involves constant travel but I keep visiting Hyderabad regularly.
If I ever I shift, I will intimated my change of address.
My email has Id has not changed. As per your mail, you are to send me my statement in both formats. I have neither received a email bill statement nor a mail verifying with me if I have shifted.
This is clearly a lapse on your side and I am not liable for your failure. Please see my track record of timely bill payments and review the various phone transcripts with me, which you record. I am neither a defaulter nor an absconder.
I will settle my actual bill but I will not pay any penalties or late fees. It is not the amount but in principle I cannot pay for no fault of mine.

If you have no authority to settle this issue, please give me the mobile number and co ordinates the India head of Credit Cards Division, I will take up this matter with him.
Regards
Sunita Giridhar




Date: Wed, 16 Jan 2013 14:22:27 +0530
From: head.[protected]@citi.com
Subject: RE:'Citibank=[protected]' Bill payment for my credit card
To: [protected]@hotmail.com

Dear Ms. Gridhar,


This is with reference to your e-mail dated January 13, 2013.

We wish to submit the following:

* We would like to inform that your Card Account has been registered to receive Statements on both the modes, namely to your Mailing Address and to your email address

Accordingly, we are sending both physical copy and e-statement to the addresses maintained in our records.

However, the physical copy of statements were returned undelivered for the reason "Consignee Shifted".

* For security purpose and to prevent any fraudulent transactions taking place, we have placed your account in a blocked status. Hence the statements for your card account were not generated and sent to you.
* Based on your representation, we have released the blocked and resent the duplicate copy of the Statement for the Month of August 2012 to December 2012 to the Email address and same got delivered.

* We have not received any payment towards the dues in your card for a considerable period of time.

As a consequence, we have closed your card with effect from December 18, 2012.



To date, your card account reflects an outstanding of Rs. 3,868.35.

We request you to effect payment towards this amount.

* As per the terms and conditions, if the payment towards the Total Amount Due does not reach on the Payment Due Date, the system will automatically generate Late Payment Charge and Interest Charges.

In light of the above, we regret our inability to accommodate your request for the reversal of the charge.

Please write to us for any further information / clarification that you may require in this regard.

Sincerely,

Lakshmi S
Head Customer Care - Cards

‘The information contained in this electronic message and any attachments (the "Message") is intended for one or more specific individuals or entities, and may be confidential, proprietary, privileged or otherwise protected by law. If you are not the intended recipient, please notify the sender immediately, delete this Message and do not disclose, distribute, or copy it to any third party or otherwise use this Message. Electronic messages are not secure or error free and can contain viruses or may be delayed, and Citi and its affiliates and/or the sender is not liable for any of these occurrences. Citi and its affiliates and/or the sender have no responsibility for unauthorized access and/or alteration to this communication, nor for any consequence based on or arising from your use of information that may have been illegitimately accessed or altered. The Citi and its affiliates and/or the sender reserve the right to monitor, record, transfer cross border and retain electronic messages'

-----Original Message-----
From: sunita giridhar ([protected]@hotmail.com)
Date: Sunday, January 13, 2013 11:34 AM
To: india.collections.grievance.[protected]@citi.com (india.collections.grievance.[protected]@citi.com)
Subject: Bill payment for my credit card


Dear Sir,
My card no is[protected] 3013.
I was in Hyderabad last month for 2weeks and a Citibank customer service person spoke to me while I was there.
I travel to Sri Lanka and many other places regularly and hence am not easily accessible on the phone.

I had not received any statements from the last 3-4 months on email . The customer service person who contacted me said that if physical statements get returned the email statement also stops. Please note that I travel a lot and hence , make sure I get my email monthly statements. how is it possible to make payments if I do not receive any statements? Finally ,On request , I received my statements but with penalty and late fees . When I spoke to the CSE who had called me , I have explained all this perhaps 3-4 tomes to her, maybe you can check the recording which was done for the improvement of services. I had requested that all late payment fees no penalty be waived off since payment was not made since the statement had not been sent only. I am surprised that I was not ever contacted on mail earlier. Your services are definitely not in order if I am expected to make payment without receiving statements ever......and then when I do receive statements it is with all the penalty ,late fees when the mistake was entirely on your side.
I have never defaulted on my payments in the last many years . My payments are always made online thro a Citibank account.
Kindly send me a single statement immediately without late fees and penalties so I can make the payment immediately.
I am presently in Sri Lanka and am not sure when I will return to India.
Kindly do the needful and please oblige.
Regards
Sunita Giridhar

I had opened an account with City Bank, about 10 months ago. They changed my account type to "Suvidha account" after just 3 months and raised my minimum balance, abruptly without notice they deduct Rs. 250/- each month, if I don't maintain that that balance and they were deducting it, without even informing me. On calling them, they are saying that I've changed the company that I work for and that's the reason.
And now they are Changing it into some other account type, requiring much much higher NRV, and are deducting Rs. 500/-, if it's not met. All this, without any notice.

Hi,

This is to bring to your notice i am being harassed by citi bank credit cards.

Representatives from citi bank are calling my relatives, friends and defaming me that i am not paying the payments.

Telephone no :[protected]

I am under going lot of mental agony for such acts done by the bank and loosing my confidence.

Because of mental pressure if i commit suicide, bank has to be responsible for my death.

Regards

Vishveshwar Rao

I have been registered under the NDNC & NDND list for more than a year now (+91 - [protected]). However I still continue to recieve several unsolicited marketing calls.
This is very cumbersome and agonizing as these disturbances continue with no regard to the law that requires them to not call persons on the list.

I am constantly disturbed, when in meetings or in the midst of other critical activities.

In the last couple of days I have recieved a couple of calls from persons claiming to be calling from Citi Bank.
(1) On the 31-Jan-2013 time (11:59 AM) call initiated from [protected]
(2) On the 01-Feb-2013 time (12:37 PM) call initiated from [protected]

Please do ensure that the erring organization is taken to task in this regard.

Hi all, here is the latest.

Citibank has increased the minimum balance requirement for Suvidha accounts (where you are no longer getting your salaries) to INR 1 Lac rupees... yes 1,00,000.00 !!!!!!

This is with effect from 1st March 2013. If this is not maintaained, you will be charged Rs 500 MONTHLY.

I am already having to maintain this super costly account with a minimum balance of 25k (ridiculous by itself), as I have some investments linked to it.

But now, this is being increased to 1 lac.. that too, by just sending a email information.

The mail states a few puny benefits and states:
"The Citibanking Account starts at a monthly net relationship value (NRV) of 2 lakhs for new clients. A monthly charge of 500 is applicable when the NRV falls below this minimum level. We are pleased to inform you that, as a special gesture, for your long standing relationship, a lower minimum NRV requirement of 1lakh will be applicable for your Citibanking Account.

With this conversion, the benefits of the Citibanking Account, and the revised terms as above will apply to your account, effective 1st March 2013. However, for your convenience, your account number, debit card^, cheque book and PINs will continue unchanged."

I am going to de-link my investments within a week from this account, transfer them elsewhere and permanently stop ANY connections with Citibank. Just can't afford such an account.

There was an online fraud of around Rs 19000 carried out on my Citi credit card. I have filed a police complaint for the same. After multiple emails to India citibank CEO and other concerned, this is what the final executive response is:

"As mentioned in our earlier dated October 19, 2012 we had raised a request with the merchant bank for the documents related to the transaction of “Entropay UK Internet” charged to your card on September 26, 2012. We regret to inform you that the merchant bank has not provided any documents to us.

Since it was a secured transaction authenticated with your Internet Personal Identification Number (IPIN), the bank does not have any further dispute rights for non-fulfillment of the request by the merchant bank"

I am shocked to see the helplessness of citibank - Since merchant is not cooperating, we cannot research this further and since we are helpless, you will have to pay this amount. Why? If citibank cannot research a fraud in their system, why don't the executives own the responsibility of the fraud? Is it citi's culture to wash away hands from a problem?

so what are my options now to deal with the citibank?

I got two messages on 15th of January saying that my credit card charged 500 BRL and 50 BRL(Braizilian Real) around 15000 INR and after that i got a message as your card is temporarily blocked please call our customer center, I called to Citi bank at same time they blocked my card card and told me to send a CDF form so they can provide me a temporary credit till the investigation , they also told me that it was a physical swipe in Brazil however at that time i was in India and my card was with me and also my card never stolen as well .
Now they told me that they are investigating this issue however i don't know what they will do now .
Keeping my fingers crossed...Just Hope CITI bank take action in time and nab the fraudsters.

If not resolved, this would affect me at least financially and mentally for months to come..

Sub: Regarding the Minimum balance in case of savings account.

Citibank has recently changed the minimum balance requirement for savings bank account as 1,00,000. Is there any guideline for the banks in changing to such huge muminum balances (including the foreign banks)

Is this chainge, with the approval of from the RBI. (huge minimum balance of 1,00,000)

Can this be minumum balance justifiable to any banks (including the foreign banks) operating in india with indian customer.

My openion is that
- If the max limit for this is not laid down, the bank can go to any extent of changing this to any limit (may be 5 lakhs tomorrow)
- Alternatively If such huge max limit is fixed by the banks, a rule/guideline should be laid that such banks who charge more than maximu prescribed limit should also ensure that the customer is getting rate of interest @ Fixed deposit rates for that minimum banlance maitained beign fair to the customers.
- This should be taken up with the RBI to provide some guidelines to all indian and foreign banks to make the maximum limit appropriate to the indian customers.

Thanks in advance for taking appropriate actions in this regard and respond to my complaint.

Thanks and Regards,
Amarnath

Sir,

Sub: False claim in my Citi Bank credit card by INDIAIDEAS.COM-MSEB

I have never heard of this portal/company INDIAIDEAS.COM.

i have received a message alert from Citi Bank stating " Rs 1064.17 was spent on your credit card INDIAIDEAS.COM-MSEB @ 06-JAN-2013 17.30:58 PM".

i have not at all used online transaction yesterday i.e.06.01.2013. only after receiving this sms i have checked my account online and blocked my card.

Can anyone please help me to get rid of this nonsense portal?

Else, please let me know by any way I can lodge a complaint with concerned authorities.

Regards,

Asmita Gamot

I have a savings bank account in Citibank N.A, MG Road, Bangalore. From last 3 months I am getting calls from citibank to buy their products like credit card, personal loan etc. I have told them multiple times not to call me but they do not stop. I am really tired of it and dont know how to stop it.
Sometimes, they even call me multiple times in a day, when I am in meetings disturbing me. Also, they call me when I am on roaming, which costs me money. The number from which they call me are like:[protected] etc.

Somesh

Dear Sir/Mam,


This is bring to your kind attention I am Vishwajeet Patel, A/C No. – [protected], has been withdrawal the money Rs. 6800/- on 7the September 2012 but money was not withdrawn and he got the updation regarding that particular deduction , then he raised a query regarding same and the query no. is – [protected], after i have received temporary balance but this time my account minus balance of Rs. 6800/- , please do your attention and needful as well at your earliest.

I have so many time complaint citi bank Customer care but not solve my problem immediately.

Please action agaist citi bank.




Thanks & Regards,
Vishwajeet Patel
Contact No- [protected]
[protected]

My self kshitij singhvi. I am holding citibank premier miles credit card. Wide no [protected], I am using the same card since its inception..but this time I am finding myself in dark.....nobdy is replying properly....I have called 50 times...either they keep my card on hold or simply revert back.I have paid 2 lac rupees , same was debited in my IDBI bank, my account is PAYABLE AT PAR, this is routine practise...earlier I didn't face any problem. My cheque was cleared on 3rd december 2012, till today same is not credited to my account. They are telling me yours cheque was outstation cheque due to this reason this is taking much time....I have clearly explained them...but they are not listening...
Please help me out by way of compensiation or written apology letter...this is their mistake ....I won't leave them for such type of harrassment

Kshitij singhvi

Please inform me that the lottery is true/fake, kindly, details in below :

Citi National House,
2 Triton Square, Regent's Place,
Surrey, KT138UA, United Kingdom.

Tel: [protected]

Dear Winner,

You are welcome to Citi Bank Plc an affiliate of the Uk National Lottery International. We are pleased to be at your service. Citi Bank Plc is Regulated and Stipulated by the Financial Service Authority (FSA)., The financial institutions that Govern all Financial activities in the United Kingdom.

After receiving confirmation from the Uk National Lottery that you are one of the Promo Winners, we are presenting you with the following options with which you would prefer to receive your winning funds of £1,000,000.00 Pounds in our possession. You are to make your preferred and affordable choice from the options listed below. for us to remit your funds to you in your country.

Citi Bank Plc Options

FIRST OPTION

BANK TO BANK TRANSFER: This is the Direct Bank Transfer that will enable you receive your money in any account that you will provide for this Bank to effect the transfer of your winning funds as it is always done electronically and it will take 3 WORKING DAYS to reflect in the account that you shall provide.

Bank Commission:......£45
V.A.T:.....................£65
Insurance:...............£170
Total:.....................£280 Pounds
::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::...⇄

SECOND OPTION

Dispatch Of An ATM CARD: You shall receive an ATM CARD which your winning prize has already been credited into. Once this Card is given to you, the funds can then be withdrawn in any bank in your country. However a courier company which is also an affiliate to the Uk National Lottery, will deliver the ATM CARD TO YOU AT YOUR DOOR STEP.

Max Delivery Duration:..48Hrs
Mailing/freight cost:.....£47
Handling Fee...............£35
Insurance...................£120
Vat...........................£55
Total:.......................£257 Pounds
::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::...⇄

THIRD OPTION

Delivery of your winning draft/check
DHL UK Home
72 HOURS DELIVERY
Mailing: £40
Insurance: £150
Vat: £50
TOTAL: £240 Pounds

Delivery of your winning cheque ,winning certificate,together with all other documents to cover your winnings will be delivered to your door step by DHL within the next 72hrs.
::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::...⇄

Please respond to this email by making a selection from the options above. Citi Bank London, is committed to rendering qualitative services to you, So if you are ready to make the payment for any of the OPTIONS above, you are expected to notify this office with the specific option so that we can provide you with the payment details.
Contact the undersigned to be privacy for further clarification. For any help and problems do not hesitate to contact us.

Your urgent reply will be most welcome.

We look forward to serving you better.

Best Regards,
Mr. Martins Bregman
Chief Operation Officer Citi Bank London

Hello Team,

This is in reference to my credit card no. [protected] and Letter
ref no. ST110326TH17131756.

As per my discussion with Citibank and letter, my account status
should show as "Null" in the Credit Bureau so that I do not face any
issue in future loan or credit applications. Based on that I paid
double amount of my credit, i.e. my credit was for Rs9,000 which
turned into Re18729.56 with interest in a span of year and a half
roughly.

But my loan applications have been rejected thrice in a span of one
and half year since it shows that I am a defaulter for the credit card
no. Despite agreeing upon all terms and conditions, now I am unable to
apply for any loan in HDFC or ICICI banks.

I seek help in this matter. Request you to consider this email and my
grievance and provide any solution so that I can apply for loan.

Please find the attached scan copy of my letter as well.

Regards,
Suneeta Patra

I am posting this complaint here for the people to really understand the nature of Citi Bank.This was the email that i mailed them after i had that bitter experience with them.

Respected whom so ever it may concern,


SUB:( My Respect for Citi Bank got trashed in a matter of few hours at your Bank MG Road Bangalore. Your customer service executives don’t have manners. We account holders at your bank are your customers not beggars to treat us in such indecent manner).


My Account Information with Your Citi Bank.


C I T I B A N K

B a n g l o r e

A / C :[protected]

A T M :[protected]

I F C S : C I T I 0 0 0 0 0 0 4

I D : h a n i i s m a i l

Today the 27th of November 2012 I had a reason to approach your office at Bangalore MG Road. I needed a cheque book with my name on it so that I can use it for getting the Provident Fund from the old company I worked for. Your customer service representative were so rude to me as if I and the other customers were there to beg.
I just wanted you people to understand that your bank is running a business because of we customers and I expect a warm behavior from you guys. The lady who assisted me asked me to get up from my seat and move aside as if I was illiterate(I would like to tell you that I may be more qualified or less qualified than her, I didn’t put up any bad character there, I hold a B.Tech Degree in applied electronics and instrumentation Engineering).
My mannerism didn’t let me shout or howl at her. I just did as was told. Then a thought dropped in my mind. I was a good customer of your Bank and used to tell my friends that Citi Bank had healthy banking relations. But this incident and the way she talked made me think. I never knew I was banking with indecent people. Initially I told her I needed a cheque book but then I ended up closing my account with Citi Bank on sport decision that I could not digest the behavior of your representatives. I don’t know if you train them to be that way or they are behaving in this unprofessional manner because they don’t fear anyone. I made it a point to write to you just to make you aware that I was not at all happy with banking with you and I will never come back to you.
Everything in the world has got ethics. Unethical things not accepted.
A copy of this mail that I am writing to you will be published at consumer Court forum over the internet just to make the people of India aware that the so called Citi Bank is not so decent in its ways as it seems.
If I would have not told so much I would not get any sleep tonight.
There is an attachment of my closure request form.
Citi Bank when you go rich. You may feel rich and other people may seem to you as irrelevant but it is that customers of yours that made you rich. So never forget that footstep as you go higher. Ashamed that you have an office at our great Mahatma Gandhi Road Bangalore. If our Mahatma Gandhi would have been alive he would have chuck your bank to Uganda. Don’t worry, my curse is there on your bank. You guys billed me penalty 4 to 5 times .I paid them each time and even today thinking that you are not running a charitable trust, so I am liable to pay the amount demanded by you. But I never expected bad behavior.

Signing off.
Hani

Dear sir,

I have applied a personal loan for 3 laks in citibank, chennai branch on 2nd of november 2012.

and all the procedures completed and I signed the loan agreement also, but till date there is no response from bank,

and the money also not credited in my account.

please do the needful

S.Nagarajan
ph:[protected]

I wonder if my complain will be addressed and resolved by the consumer forum ?
I am getting the statements by the CITI bank wherein the disputed interest amount which is unpaid has been increased despite the fact that the said card has been cancelled by me and the bank has been intimated but I don't understand when this case will be tackled and resolved ?

Anand Kumar

Dear sir,
I was dealing with Citibank bank for auto debit and Citibank bank had not given any intimation for same registration with sbi also and For any ecs (auto debit) facility beneficiary will be responsible for mandate registration which I have already submitted to Citibank chennai addressYes if there is signature mismatch or fund insufficient or details mismatch only in this case customer will be responsible ,I m using Citibank credit card net banking also and there is showing registered before one month of due date
But still Citibank has charged me Rs.600 for late payment so please take action and help me for charges reversal
Credit card no.-[protected]

Thanx & Regards
Anugrah Singh
[protected]