Arunkumar N T
to [email protected]
cc India Service,
[email protected],
[email protected],
"india.collections.grievance.head",
[email protected],
[email protected],
[email protected],
[email protected],
[email protected],
[email protected],
[email protected]
bcc [email protected],
[email protected],
[email protected]
date Thu, Aug 19 at 2:53 PM
subject Require your attn on Warfoot basis: 'Citibank=012-444-416' Re: Re: Re: Re: Re: Re: Re: Re: Re: HarassmentByCollectionTeampart2
mailed-by gmail.com
hide details Aug 19 (2 days ago)
Dear Mr. Santhanam,
Thanks for sending the messeger yesterday, to communicate the message. Your messenger, walked into my office sharp at 10.00 am and left at 12.15pm. A good 2 hrs 15 mins, he spent and communicating the message and repeating the message in different sentences. Ultimately, sending the same meaning and same message. While he was communicating the message to me, it reminded me one scene from the Blockbuster, Amithabh Bachan, Rajnikant, & Govinda Movie HUM, where in Amitab tries to convince his friend in a godown, while he (amitabh) was drunk, not to go against the Villan Bhaktavar (Dani Denzoppa) and his dialogue, which he repeats n number of times in that scene, "Is duniya me do tarah ke kakroach hein, ek vo jo gandhe nalise paida hota hai, aur ek is samaj se, gandhe nali ke kakroach ko marne ke liye HIT banayagaya, magar samaj se jo paida hota hai iskeliye koye hit nahin." Fortunately, I knew your messenger at personal level, so he tried to play the act of amitabh and i his friend and Citi as Dany. He kept on reminding me that if u continue with your efforts as you are doing now, i seriously doubt, ur well being. His hints were very clear, if i try to insist on my rights, I may be eliminated, in accident or otherwise.
In most of the instances, I used to record the conversations, either video or voice recording, but this time i did not do it yesterday, why you know? The war ethics says, you should not touch/arrest/hold captive the messenger. He had come here, on behalf of Citi to communicate what can happen if I go ahead with my issue.
So I showed him and said look at the judgement copy of State consumer Forum, (attached with this mail), it speaks volumes in the last para of the judgement, the judge accuses me of "It seems some complaint is pending against him for misappropriation of OP1's Funds.” To come to this conclusion, at the admission stage itself, either the documents which I had attached should speak about it or the Judge has imagined out of blue, but the structure of the para and sentence, speaks differently, it seems it has been dictated. so this essentially means, the Judge had consulted Citi people otherwise this type sentence can't come, to substantiate this, the kind of hurry/aggressiveness started post 15 days of judgement, speaks volumes, about the close nexus, corruptions at each level. What you are saying is already proved one. The kind of reply given by Ms. Jayashree also gives the impression that Citi can buy any one who is salable.
I never thought, Citi will stoop to such low level. What kind of Nodal officer are you Mr. Santhanam? Can't you control your officers? My dear friend, that was the last time that Citi tried to play the spoil sport. Now, listen, Jo ukhandna hain ukhadlo, mein to app logonki naak me dam karke he rahoong. App logon ko apne kartootonkeliye, aap ke ghootnope khada karke hi rahoonga. Oont Pahad ke niche lake hi sans loonga. What best you (I mean Citi) can do, you will kill me right? kill me, if that happens, believe, Citi will be forced to wind up India operations. One more thing forgot to tell you, check the application form that is filled to open the savings accounts, in that, savings part is fully completely filled by me, but where as the ready credit and Credit card part, it is filled by your officers, and as per Section 19 of Contract law, (Voidable Contract), the contract between me and Citi does not exists, since, that part is filled by your officers, so forging of documents. Now, as per this section, whatever the dues are there gets nullified. That means I need not to pay even single paise. In a nutshell the Citigroup attitude can be said as, "Chori aur uparse Seenachori? " or "Ulta chor kotwal ko datein? " kotwal to mein hoon. Believe me if i die in accident or otherwise, Citi will be held responsible. My family, friends, relatives know one thing about me, come what may, Arun will strive for justice, he will never comit suicide. If some one finds me committed suicide, it will be presumed as killed because Arun faces the situation and will never commit suicide.
Lastly, my kind request is that if you want to solve the issue seriously, ask your on-role employees to get in touch, I will not entertain any more collection agency people. secondly, while they come to me they have to bring all the solutions to all the issues/points raised, otherwise dont waste my time.
TnR
Arun
9731094000
&&&- Forwarded message &&&-
From: Arunkumar N T
Date: Sat, Aug 7 at 12:52 PM
Subject: Re: 'Citibank=012-444-416' Re: Re: Re: Re: Re: Re: Re: Re: Re: HarassmentByCollectionTeampart2
To: India Service, [email protected], [email protected], "india.collections.grievance.head", [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected], [email protected]
Dear Jayashree,
What to say? This time you replied in just 2 days, because, the content of the mail has hurt someones ego. Good, as long as customer is showing patients, CitiBank takes the customer for ride, it is least bothered to the concerns of the customers. It takes its own sweet time to answer, but, when the customer runs out of patiense, and writes a mail which hurts the ego of the employees, u people reply within shortest time. If u want, Check it out yourself, every time i sent the reply, the immediate reply used to be your concerns are under investigation please bear with us for 3 days or 4 days whatever, but this time its just 2 days to reply? Wow unless ur egos are hurt you people are not ready to bother right? Im still having patients, dont worry.
Now about ur tall claims that CitiBank has adhered to the IBA & RBI norms and it has done nothing wrong so on so forth that you have mentioned in your mail dated 6-Aug-10, dont you think whom are u fooling, me or yourself? Since, you have claimed that Bank has followed all the norms strictly as laid down by IBA & RBI, tell me under what section and clause of IBA &/or RBI, the bank can send a hired cop to visit customers residence? under what clause it says that "Bank has every right to send Arbitration Notice to customer post Arbitration date? " because the Arbitration Notice letter was dated 12-Mar, and the date of Arbitration was on 20-Mar, and it was posted on 25-Mar from Delhi, which ultimately reached me around 2-Apr. Further more, "Under what clause of RBI, or the law of the land, does bank is authorised to issue threat for existence, of its customer in the even of default, the proof of which (call recording) has been mailed to you in Nov communication itself? "
From the above just 3 incidents, I can say that whatever you have claimed in your mail dated 6-Aug, is false claims, and bank never adhered to the RBI guidelines. Most importantly, why are you not ready to answer point by point for each of the concerns/issues raised by me? If the Bank has done nothing wrong then why it is hesitating to answer point by point? This clearly shows that Bank has abused the law of the land, knowingly it has misused the police force (by hiring), to pressurise the customer.
You have also claimed that you have provided the clarification for the issues/concerns/points raised by me, when, where and to whom did you provided the clarification? Its absolute and blatant lie. Im disgusted to find the the reply provided by you on 6-Aug-10, contains lot of mis-informations, lies, diverting the attention subject matter, mis-guiding, mis-leading, false claims of adherence and respecting the guidance laid down by RBI and law of the land.
I don't know, "kis mitteke baneho aap log? " Agar aap sachmuch bharatiya honey pe naaz hain, to istarah ke ghande harkate mat karo, khudakeliye, kuch to sharm karo. Arre yaar, ek veshya, ko bhi laaz aur sharm ho ta hain, magar, CitiBank officials keliye O bhi nahin hein. Besharm ho ke kehre ho ki, humne sab sawalaonka jawab de diya hain. Khudse poochlo, kya tumne sab sawalaonka jawab diya hain?
Hume kisikeliye nahin zina hain, hume sirf apne liye zina hain, zab ghar vaapas zatein hainto, chain aur sukoon ki neend nasib honee chaayiye, agar, O nasib nahin to samzo, humne hamar kaam theek nahin kiya. Aap logon ki ravaiya dekha kar, besharm ko bhi sharmayegi, kumse kum abh to sudharo, aur is tarah ke behuda, uttar mat diya karo. If you can't provide the proper answer, then please dont reply, its better not to reply and by sending a reply and say "Aa bile mujhe maar" In kannada, "Angai torsi awaman madisikondru."
This reply holds good for everyone marked in this mail. If you can't address the issue properly, then please for Godsake dont even bother to reply, don't waste your time and my time. I have other channels to get justice.(Im not threatening, since, I have left with no other option, I have to seek justice)
You people have not yet answered for the mail which I had sent to you on 30 Dec-09, which is mentioned below in this mail. Lets see how much time you take in answering the mails. I want proper solution to all of my questions and queries. Point by point.
There has been casual approach from you side on my case, or just to pull on kind of attitude. so this is what u call as customer service? Insulting/humiliating the customer, and no regrets from your side for all the mistakes that you people have done to me, and shamelessly still approaching the customer to recover the money.
TnR
Arunkumar N T
9731094000
On Fri, Aug 6 at 4:11 PM, India Service wrote:
Dear Mr. Thattar,
This is with reference to your email dated August 01.
We wish to inform you that we have reviewed the concerns raised by you and have adequately addressed the same since March. Our records indicates that we have not received any payment since February towards your Ready Credit outstanding.
In line with the clarifications provided earlier with regard to being contacted by our officer, we wish to reiterate that non payment of outstanding dues would solicit calls/Visit from our officers to remind the customers of their pending outstanding dues. The officers who contact the customers follow strict code of conduct and they are monitored for the same. Further, collections by the Bank in relation to defaults on payment, is undertaken strictly within the norms of the Code of Conduct stipulated by the Indian Banks’ Association, the apex industry body for banks in India, and are further subject to the Bank’s internal guidelines for collections. The Collections activity, like any other activity of the Bank, is subject to the Reserve Bank of India’s regulatory guidelines and supervision.
We are glad to know that you wish to settle the outstanding without taking any settlement as offered by our officers. We request you to effect the same to avoid further reminder calls.
Should you require any additional information, please contact our officer Mr. Nikkam Nachappa at the below mentioned address to clear the Ready Credit outstanding amount.
TCS- e-Serve
#1, Primpark
Primrose Road
Bangalore - 560025
Contact number : 080 - 66566766
Email ID: [email protected]
We assure you of our best attention at all times.
Sincerely,
Jayasri B
Customer Care Officer
We trust we have addressed your query to your satisfaction. In case you are not satisfied with the resolution provided, please feel free to escalate to the Head of customer care at [email protected].
We welcome your feedback about this query resolution experience. To share your feedback, Please visit: https://www.online.citibank.co.in/portal/newgen/customer/feedback-form.htm
Citibank India has been awarded the "Best Consumer Internet Bank 2009" by Global Finance. Log-on to https://www.online.citibank.co.in/ and experience the convenience today!
Disclaimer: The information contained in this message is confidential and intended only for the use of the individual or entity identified. If the reader of this message is not the intended recipient, any dissemination, distribution or copying of the information in this message is strictly prohibited. If you have received this message by error, please notify the sender immediately.
From: Arunkumar N T ([email protected])
Date: Sunday, August 01 02:21 PM
To: [email protected] ([email protected]); [email protected] ([email protected]); [email protected] ([email protected])
Subject: Re: Re: Re: Re: Re: Re: Re: Re: Re: HarassmentByCollectionTeampart2
Dear Jayashree,
Either u dont know english or I don't know the language that u understand. You people have been giving me the same old reply time and again. Why are u silent and not answering the questions posed to you people? Its clear from your communication that, by maintaining the silence on the misdeeds committed by the Bank and its official, you are acknowledging that bank had done all that insult and damage to the customer which is lawfully illegal. And are not ready to repent on the misdeeds. Im sorry, Im rejecting your offer for settlement, because Im not a begger to take settlement.
I have already communicated in writing that Im ready to pay the whole amount and to the last piese. Then whats the problem for you people to come out and say that "Yes the Bank had taken all illegal means to force the customer, indeed the bank has abused the very right of living as per constitution of India of the Customer. Hence, the Bank is ready to do all that to restore his good image in the society, which the Bank has ternished."
This is what exactly Im looking forward to. "Dont expect me to be Mahatma Gandhi by slaping me on one cheek, to show another Cheek. Im the follower of Bhagat Singh, Azad, and Subhash Chandrabose, so naturally, when you raise the hand to slap me, I give warning, stating that what u r doing is wrong and illegal, but inspite of that if you slap me then in turn you have to be ready to take the same."
TnR
Arunkumar N T
On Sat, Jul 31 at 10:09 AM, India Service wrote:
Dear Mr. Thattar,
This is with reference to your email dated July 16 and subsequent to the telephonic conversation our officer Ms. Srividhya had with you.
We understand from your interaction that our officer Mr. Nikkam Nachappa had already contacted you and have addressed your concerns regarding Ready Credit account. Further, we note he has offered a settlement plan against your current outstanding.
Hence, we request you to contact our officer Mr. Nikkam Nachappa at the below mentioned address for further assistance.
TCS- e-Serve
#1, Primpark
Primrose Road
Bangalore - 560025
Contact number : 080 - 66566766
Email ID: [email protected]
We assure you of our best attention at all times.
Sincerely,
Jayasri B
Customer Care Officer
We trust we have addressed your query to your satisfaction. In case you are not satisfied with the resolution provided, please feel free to escalate to the Head of customer care at [email protected].
We welcome your feedback about this query resolution experience. To share your feedback, Please visit: https://www.online.citibank.co.in/portal/newgen/customer/feedback-form.htm
Citibank India has been awarded the "Best Consumer Internet Bank 2009" by Global Finance. Log-on to https://www.online.citibank.co.in/ and experience the convenience today!
Disclaimer: The information contained in this message is confidential and intended only for the use of the individual or entity identified. If the reader of this message is not the intended recipient, any dissemination, distribution or copying of the information in this message is strictly prohibited. If you have received this message by error, please notify the sender immediately.
From: Arunkumar N T ([email protected])
Date: Friday, July 16 11:32 AM
To: India Service ([email protected])
Subject: Re: Re: Re: Re: Re: Re: Re: Re: HarassmentByCollectionTeampart2
Dear Pradeep,
As discussed with u just now, Im forwarding u this mail, hope you will come up with proper solution i mean end to end solution, point to point solution. This essentially means, accepting the mistakes owning the responsibility for all the mishapes happened from Citi. It also includes to the fact that for misusing the law for personal benefit of citi by its officers, knowingly that the proceedure they are following is un-ethical and illegal.
Looking forward for a positive development.
TnR
Arunkumar N T
MD
Debt Mentor
On 5/18/10, India Service wrote:
Dear Mr. Thattar,
This is with reference to your email dated May 12.
We are concerned to note the dissatisfaction expressed in your mail.
We confirm that you can contact our officer Mr. Nikkam at Primrose Raod, TCS Office, Bangalore for your clarifications regarding the Regarding Credit Account.
You can also contact him at his contact number 080-66566766, in this regard.
Further, we request you to clear the outstanding balance in your Ready Credit Account at the earliest.
We assure you of our best attention at all times.
Sincerely,
Jayasri B
Customer Care Officer
We welcome your feedback about this query resolution experience. To share your feedback, Please visit: https://www.online.citibank.co.in/portal/newgen/customer/feedback-form.htm
Citibank India has been awarded the "Best Consumer Internet Bank 2009" by Global Finance. Log-on to https://www.online.citibank.co.in/ and experience the convenience today!
For the Security of your transactions, we request you to raise any further queries through Citibank Online, our Secure Internet Banking website, using your Internet Password (IPIN). If you do not have one, getting it is easy. You can visit the site below and generate one instantly.
https://www.citibank.co.in/ssjsps/ssindex.do
Using our Secure, Authenticated Citibank Online Channel to raise queries also ensures that we can respond faster to your needs. "
Disclaimer: The information contained in this message is confidential and intended only for the use of the individual or entity identified. If the reader of this message is not the intended recipient, any dissemination, distribution or copying of the information in this message is strictly prohibited. If you have received this message by error, please notify the sender immediately.
From: Arunkumar N T ([email protected])
Date: Wednesday, May 12 07:47 AM
To: India Service ([email protected])
Subject: Re: Re: Re: Re: Re: Re: Re: HarassmentByCollectionTeampart2
Dear Banker,
This is with reference to your email dated May 11.
I understand the extent of inconvenience caused to Bank in this regard and regret for the same (because of my defaulting in payment) and the losses that bank might have incurred due to non payment by the customers also.
I'm extremely pained to note the losses caused to the bank due to non payment of the loans/credit cards by your customers as a result of non payment.
RBI records & your profit and loss statements indicate that, you have written off such huge amount in the FY10
Since, we are also in the same state of affairs as the bank is, thankfully, once during 2008 and 2009 when the bank was about file bankruptacy, Uncle SAM came to its rescue, however, for us there is no uncle SAM who can come to our rescue.
Hence, as the bank tendered apology for insulting us and our humanity, and asked us to forgive it for its offence, we too tender the same apology and ask the bank to forget the dues. If its acceptable to the Bank then the Bank has every right to put the apology. If its not acceptable to the bank dont expect the customers to forget the insults the bank has done.
Bank does not have any authority, to issue life threat or threat for existance, in the contract, i never signed any such agreement, which clearly, states in the event of default from my side, the bank can issue life threat or threat for my existance, or mis use the law of the land, bribe the police person and bring him infront of my house, create ruccus, neither i had signed stating that bank had been authorised to close the Court Business hours before I come to the court.
Hope the bank understand and accept our stand in this regard.
I assure the bank of my best attention at all times.
I had always said Im ready to pay, its the Bank which is delaying by not giving proper solution for all its mis deeds. Im not going to listen to any thing exept for proper solution as demanded by me.
TnR
Arunkumar N T
On Tue, May 11 at 5:10 PM, India Service wrote:
Dear Mr. Thattar,
This is with reference to your email dated May 02.
We understand the extent of inconvenience caused to you in this regard and regret for the same.
We are extremely pained to note the discomfort that you have experienced as a result of this incident.
Our records indicate that, the total outstanding balance in your account is Rs. 1, 22, 045.68, as on date.
We request you to clear the complete outstanding balance.
Hope you understand and accept our stand in this regard.
We assure you of our best attention at all times.
Sincerely,
Jayasri B
Customer Care Officer
We welcome your feedback about this query resolution experience. To share your feedback, Please visit: https://www.online.citibank.co.in/portal/newgen/customer/feedback-form.htm
Citibank India has been awarded the "Best Consumer Internet Bank 2009" by Global Finance. Log-on to https://www.online.citibank.co.in/ and experience the convenience today!
Disclaimer: The information contained in this message is confidential and intended only for the use of the individual or entity identified. If the reader of this message is not the intended recipient, any dissemination, distribution or copying of the information in this message is strictly prohibited. If you have received this message by error, please notify the sender immediately.
From: Arunkumar N T ([email protected])
Date: Sunday, May 02 11:05 PM
To: [email protected] ([email protected]); India Service ([email protected]); [email protected] ([email protected])
Subject: Re: Re: Re: Re: Re: Re: Harassment ByCollectionTeampart2
Dear Bankers,
The case has been filed and the case no is 158. Lets see in the court. As had not received satisfactory reply, I was left with no other option except approaching the court.
I had given you enough of time, every time I wrote, the standard reply given by you, "was pls bear with us as the matter is under investingation, we will revert in 3 to 4 working days." But that 3 to 4 working days never turned up and I never heard any revert on any occations. On the contrary, you never forgot to send remainder sms or calls for collections of overdues. Its interesting know, that you slap yet dare to approach the person for recovery of dues. One has to learn from your bank, what collections and recovery means, its nothing but goondaism, rowdism, and shameless activity. So I was forced to approach the court to get justice. With all evidences, I had approached the court, the voice recordings, mail communications, etc.,
I don't expect any more sms/remainders in any form regarding the recovery of dues, as the matter is sub-judice now.
TnR
Arunkumar NT
On Thu, Apr 8 at 10:59 PM, Arunkumar N T wrote:
Hi Syed,
Pls go through the mail, and answer point by point. I look forward for reply for each point raised, therwise its of no use to contact or talk. Legal solution is the solution.
TnR
Arunkumar N T
On Sat, Apr 3 at 6:48 AM, Arunkumar N T wrote:
Dear Banker,
My number remains the same 9845302301 and any time during working hours is fine.
On Tue, Mar 30 at 3:05 PM, India Service wrote:
Dear Mr. Thattar,
This is with reference to your email dated March 25.
We are concerned to note the dissatisfaction expressed in your mail.
We request you to provide your available timing and the recent contact numbers for our officers to get in touch with you.
We regret the delay and the inconvenience caused.
We assure you of our best attention at all times.
Sincerely,
Jayasri B
Customer Care Officer
" Citibank India has been awarded the "Best Consumer Internet Bank 2009 " by Global Finance. Log-on to www.citibank.com/india and experience the convenience today! "
" We look forward to serving you better! Do give us your feedback at: https://www.online.citibank.co.in/portal/newgen/customer/feedback-form.htm . "
For the Security of your transactions, we request you to raise any further queries through Citibank Online, our Secure Internet Banking website, using your Internet Password (IPIN). If you do not have one, getting it is easy. You can visit the site below and generate one instantly.
https://www.citibank.co.in/ssjsps/ssindex.do
Using our Secure, Authenticated Citibank Online Channel to raise queries also ensures that we can respond faster to your needs. "
Disclaimer: The information contained in this message is confidential and intended only for the use of the individual or entity identified. If the reader of this message is not the intended recipient, any dissemination, distribution or copying of the information in this message is strictly prohibited. If you have received this message by error, please notify the sender immediately.
From: Arunkumar N T ([email protected])
Date: Thursday, March 25 12:18 AM
To: India Service ([email protected]); [email protected] ([email protected])
Subject: Re: Re: Re: Re: Re: Harassment By CollectionTeampart2
Hi Ms. Seema Jagadish,
Im sorry to say that your apologizies will not suffice the damages that the bank and its officers, have caused to me, its not monetory terms its more of physchological, its pain, you people know what it means of charging a person U/s 406 and 420, illegally closing the court hours before the timing, sending a police cop infront of house without any complaints? Lets meet up in court.
I also apologize, for not paying the amount in time, then why you ask? It can't be right, so it equally applies to you also. Don't slap on cheek and ask apologizy. It does not suit good for a corporate world. Life is simple, if you eat salt then you have to drink water, so is it? The words apology, sorry carry weightage with it, you people use it so casually, without valuing it. Stop using these words, people should respect the organisation when it uses it, they should not feel the way Im feeling now. Be ashamed of yourselves (no personal charges) before using such polite words.
TnR
Arunkumar N T
On Wed, Mar 24 at 5:11 PM, India Service wrote:
Dear Mr. Thattar,
This is with reference to your email dated March 06.
We regret the fact that you have had a cause of complaint and apologize for any inconvenience caused.
Our records indicate that you have a total outstanding balance of Rs. 1, 17, 269.68, as on date.
We request you to clear the outstanding balance by transferring funds from your Suvidha Account.
We regret our inability to compensate your account.
We request you to contact our officer Ms. Seema Jagadish at her email ID [email protected], for further clarifications, in this regard.
We assure you of our best attention at all times.
Sincerely,
Jayasri B
Customer Care Officer
" Citibank India has been awarded the "Best Consumer Internet Bank 2009 " by Global Finance. Log-on to www.citibank.com/india and experience the convenience today! "
" We look forward to serving you better! Do give us your feedback at: https://www.online.citibank.co.in/portal/newgen/customer/feedback-form.htm . "
For the Security of your transactions, we request you to raise any further queries through Citibank Online, our Secure Internet Banking website, using your Internet Password (IPIN). If you do not have one, getting it is easy. You can visit the site below and generate one instantly.
https://www.citibank.co.in/ssjsps/ssindex.do
Using our Secure, Authenticated Citibank Online Channel to raise queries also ensures that we can respond faster to your needs. "
Disclaimer: The information contained in this message is confidential and intended only for the use of the individual or entity identified. If the reader of this message is not the intended recipient, any dissemination, distribution or copying of the information in this message is strictly prohibited. If you have received this message by error, please notify the sender immediately.
From: Arunkumar N T ([email protected])
Date: Saturday, March 06 12:11 AM
To: India Service ([email protected])
Subject: Re: Re: Re: Re: Harassment By Collection Teampart2
Dear Banker,
I don't think that you will ever try to answer my queries and pains. I think I should approach the court only to get solution to all my problems. Lets see you in the court. Long way to go. I will fight till my last breath to ensure justice prevails.
TnR
Arunkumar N T
On Fri, Mar 5 at 7:07 PM, India Service wrote:
Dear Mr. Thattar,
This is with reference to your email dated March 03.
We apologise for the erroneous information communicated to you in our earlier response.
We understand that, one of officer Mr. Babu had contacted you and you have not agreed for the settlement of Ready Credit account outstanding. However, you had informed that, you will pay the Ready Credit outstanding, whenever you have the money.
Accordingly, you had paid an amount of Rs. 2, 000.00 towards your Ready Credit account on February 27.
We once again regret the inconvenience caused in this regard.
We thank you for your patience and co-operation and for giving us an opportunity to redress your grievances.
Your relationship is very important to us and we look forward to your continued patronage.
We assure you of our best attention at all times.
Sincerely,
Jayasri B
Customer Care Officer
" We look forward to serving you better! Do give us your feedback at: https://www.online.citibank.co.in/portal/newgen/customer/feedback-form.htm . "
" Citibank India has been awarded the "Best Consumer Internet Bank 2009 " by Global Finance. Log-on to www.citibank.com/india and experience the convenience today! "
" For the Security of your transactions, we request you to raise any further queries through Citibank Online, our Secure Internet Banking website, using your Internet Password (IPIN). If you do not have one, getting it is easy. You can visit the site below and generate one instantly.
https://www.citibank.co.in/ssjsps/ssindex.do
Using our Secure, Authenticated Citibank Online Channel to raise queries also ensures that we can respond faster to your needs.
Disclaimer: The information contained in this message is confidential and intended only for the use of the individual or entity identified. If the reader of this message is not the intended recipient, any dissemination, distribution or copying of the information in this message is strictly prohibited. If you have received this message by error, please notify the sender immediately.
From: Arunkumar N T ([email protected])
Date: Wednesday, March 03 02:58 AM
To: India Service ([email protected])
Subject: Re: Re: Re: Harassment By Collection Team part2
Dear Banker,
I have given in writing to you people that, I will be paying the full
amount with interest, then how come your officer Mr. Nagendra lied to
you that I had agreed for settlement?
Do you believe, whats given in writing by customer is true or the oral
communication of your officers? Then tell me why should i contact,
Mr. Nagendra, who had lied to his own organisation regarding this case?
I don't trust and believe him, since he has lied to his organisation.
When he can be unfaithfull to the organisation, then how can he make
any justification to me?
You people have not yet answered for the mail which I had sent to you
on 30 Dec-09, which is mentioned below in this mail. Lets see how much
time you take in answering the mails. I want proper solution to all of
my questions and queries. Point by point.
There has been casual approach from you side on my case, or just to
pull on kind of attitude. so this is what u call as customer service?
Insulting/humiliating the customer, and no regrets from your side for
all the mistakes that you people have done to me, and shamelessly
still approaching the customer to recover the money.
TnR
Arunkumar N T
On Tue, Mar 2 at 8:26 PM, India Service wrote:
> Dear Mr. Thattar,
>
> This is with reference to your email dated February 27.
>
> Based on your complaint, we have investigated with our officer Mr. Nagendra.
>
> We understand from our officer that you have agreed for settling the outstanding towards Ready Credit account.
>
> Further, you have paid an amount of Rs. 2000.00.
>
> For further clarification, we request you to contact our officer Mr. Narendra Singh at his contact number 080-66566649. He will be glad to assist you.
>
> We assure you of our best attention at all times.
>
> Sincerely,
>
> Jayasri B
> Customer Care Officer
>
> " Citibank India has been awarded the "Best Consumer Internet Bank 2009 " by Global Finance. Log-on to www.citibank.com/india and experience the convenience today! "
>
> " For the Security of your transactions, we request you to raise any further queries through Citibank Online, our Secure Internet Banking website, using your Internet Password (IPIN). If you do not have one, getting it is easy. You can visit the site below and generate one instantly.
>
> https://www.citibank.co.in/ssjsps/ssindex.do
>
> Using our Secure, Authenticated Citibank Online Channel to raise queries also ensures that we can respond faster to your needs. "
>
> Disclaimer: The information contained in this message is confidential and intended only for the use of the individual or entity identified. If the reader of this message is not the intended recipient, any dissemination, distribution or copying of the information in this message is strictly prohibited. If you have received this message by error, please notify the sender immediately.
>
> From: Arunkumar N T ([email protected])
> Date: Saturday, February 27 05:19 AM
> To: India Service ([email protected])
> Subject: Re: Re: Harassment By Collection Team part2
>
> Hi,
>
> Its unfortunate that, its more than 2 Months back that I had sent this
> mail, but no reply, this is the way your customer service is all
> about. Your officials are still harassing me, and their standard reply
> is, ï don't know what you do, but I want the payment. Pls address the
> issue.
>
> Arunkumar N T
> 9731094000
>
>
>
> On Wed, Dec 30 at 8:30 AM, Arunkumar N T wrote:
>> Hi Ms. Jayashri,
>>
>> Today is 30th Dec still no reply, a month over after sending the
>> written mail complaint. Nothing has moved, I had recieved a call to go
>> and meet the manager at your TCS and so I had been there. I was made
>> to meet Mr. Krishna, he was asking regarding payment only. He did not
>> had any regrets of his mis deeds. He had the same aggressiveness, and
>> told me, he is ready to give settlement and asking me to settle the
>> account. He is ready to waive of interest and other charges, as a
>> favour to me.
>>
>> I just wonder, because, I never asked for any waiver or settlement, Im
>> ready to make the full payment, then why your officers are behind
>> settling the account? The power to settle the account is given by any
>> company/bank to its officers is to help the needy people, who are
>> badly in need of financial help. Whereas Im seeing that they using
>> this tool to achieve their targets. In many cases, your officers have
>> settled the accounts of those customers who are well to do or in a
>> capacity to make the repayment, bay be delayed, but sure bank will get
>> back the money with interest, where the officials need not to give any
>> waivers, in all such cases your officials have mis-used the tools
>> given by the bank. Pls take action against all such officers who have
>> mis-used the same to achieve the targets or under the durass of the
>> higher ups to achieve the targets have settled the accounts, causing
>> damage to investors and depositors, leading to setting wrong
>> impression about banking and trend in the market. It is commonly
>> absorved that your customers know that if they default on payment,
>> they will get good bargain. Hence, many of them are defaulting just to
>> encash the trend set by your officials for their personal gains.
>>
>> As per the law I have to serve you notice 3 times before I approach
>> legally, hence, Im giving you this last and 3rd notice to come back to
>> me with proper solution and closer of all queries and claims.
>> 1. I don't require any waiver, Im ready to pay all the dues with interest.
>> 2. What happened to my claims regarding mis-behaviour and threats by
>> your call center agents and officers?
>> 3. Being an educated, how your officer could hire a cop for visit to
>> customers places without following protocol?
>> 4. As I had claimed, I was there on 24-Nov-09 to attend the Lok-adalat
>> at 2:56 pm, to find that the Lok-adalat was closed before 30 min of my
>> arrival where as the timing of the Lok-adalat was 11 am to 3 pm. I
>> have documentary proof to show that I was there by 2:56 pm in the
>> court premises. Now, it seems that either your officers deliberately,
>> or willfully, mis guided the court claiming that no more people will
>> come asking them to call of the day. If this is so then next question
>> is how the Presiding Officer who acts as Judge in Lok-adalat agreed to
>> close the buiness hours before 3 pm which is actual closing hours? In
>> this event it prooves beyond doubts that the Presiding Officer who
>> acts as Judge was hand in glove with your officer. Pls clarify on this
>> issue, as the act clearl prooves, that your officer deliberately,
>> closed the business hours before the actual closing hours so as to
>> humiliate and with some motives, which your officers have to explain.
>> 5. Next day i.e., on 25-Nov-09, they got a notice issued by your law
>> firm SA Associates, in which it clearly states that I have to pay the
>> dues in next 7 days or the Bank will initiate legal action against me.
>> If this is the case, then how come they brought a Cop to visit to my
>> house on the same day along with notice. Point to be noted is that
>> they had not seved this notice to me at all. This clearly emphasis the
>> fact that your officers have tried to just full fill the formalities
>> but they had forgotten the words and meanings of the contents of the
>> notice and its execution. This act again prooves that your officers
>> had mis-used/abused the law of the land for their personal
>> gains/greed. Pls explain why your officers conducted in such a
>> manneism? What was the need for them to conduct like that? The above
>> mentioned reasons are enough to proove that your officers conducted
>> themself so as to harass the customer.
>> 6. As I had mentioned earlier in the first notice, they had lodged a
>> complaint u/s 406 and 420 against me, what was the need for them to
>> accuse me under those section, when I had given in writting to the
>> bank that Once I get source of income, I start repaying as per the
>> priority?
>> 7. Why it is taking so much of time for you people to provide a soft
>> or hard copy of the agreement signed between me and you? I doubt your
>> intentions for not providing the same by now. It clearly shows that
>> you people are trying to forge the document so that you can proove the
>> charges against me. It should not take couple of hours to take a xerox
>> of the same and mail it or scan it and send it by mail. I doubt your
>> sincerity in this regard.
>>
>> This is the last chance for you to revert back with proper answers and
>> clarifications. Pls revert before 5-Jan-10. Failing to recieve the
>> proper and satisfactory reply by 5-Jan-10, I will be proceeding
>> legally on 6-Jan-10.
>>
>> Regards,
>> Arunkumar N T
>> 9845302301
>>
>> On Fri, Dec 18 at 6:53 PM, India Service wrote:
>>> Dear Mr. Thattar,
>>>
>>> This is with reference to your email dated December 15.
>>>
>>> We are in the process of investigating your concern and require some more
>>> time to resolve your query. Kindly bear with us till then.
>>>
>>> We request you to contact our officer Mr. Narendra Singh at his contact
>>> number 080-66566649 .
>>>
>>> We solicit your patience and cooperation until then.
>>>
>>> We assure you of our best attention at all times.
>>>
>>> Sincerely,
>>>
>>> Jayasri B
>>> Customer Care Officer
>>>
>>> " Citibank India has been awarded the "Best Consumer Internet Bank 2009 " by
>>> Global Finance. Log-on to www.citibank.com/india and experience the
>>> convenience today! "
>>> " We look forward to serving you better! Do give us your feedback at :
>>> https://www.online.citibank.co.in/portal/newgen/customer/feedback-form.htm.
>>> "
>>>
>>> For the Security of your transactions, we request you to raise any further
>>> queries through Citibank Online, our Secure Internet Banking website, using
>>> your Internet Password (IPIN). If you do not have one, getting it is easy.
>>> You can visit the site below and generate one instantly.
>>>
>>> https://www.citibank.co.in/ssjsps/ssindex.do
>>>
>>> Using our Secure, Authenticated Citibank Online Channel to raise queries
>>> also ensures that we can respond faster to your needs. "
>>>
>>>
>>> Disclaimer: The information contained in this message is confidential and
>>> intended only for the use of the individual or entity identified. If the
>>> reader of this message is not the intended recipient, any dissemination,
>>> distribution or copying of the information in this message is strictly
>>> prohibited. If you have received this message by error, please notify the
>>> sender immediately.
>>>
>>> From: Arunkumar N T ([email protected])
>>> Date: Tuesday, December 15 10:59 PM
>>> To: India Service ([email protected])
>>> Subject: Re: Harassment By Collection Team part2
>>>
>>> Hi,
>>>
>>> I have not yet recieved any reply from the Bank. I can't give you
>>> indefinite days as mentioned in the mail below. Specify and brief on
>>> all the queries raise and clear all the doubts.
>>>
>>> Address all the issues aised in next 3 days, Im approaching The
>>> commissioner of Police tomorrow, since Its more than 15 days that I
>>> had raised the concerns.
>>>
>>> TnR
>>> Arunkumar N T
>>> 9845302301
>>>
>>> On Fri, Dec 4 at 6:40 PM, India Service wrote:
>>>> Dear Mr. Thattar,
>>>>
>>>> This is with reference to your email dated November 30.
>>>>
>>>> We are concerned to note the anxiety and inconvenience caused to you
>>>> during
>>>> your recent interaction with us.
>>>>
>>>> We confirm that we have forwarded your queries to the concerned
>>>> department.
>>>> The timelines of the investigation will take 4 - 5 business days.
>>>>
>>>> Based on our investigation result, our officer will get in touch with you
>>>> on
>>>> or after December 10.
>>>>
>>>> Please bear with us till then.
>>>>
>>>> Your relationship is important to us and we look forward to your
>>>> continued patronage.
>>>>
>>>> We assure you of our best attention at all times.
>>>>
>>>> Sincerely,
>>>>
>>>> Jayasri B
>>>> Customer Care Officer
>>>>
>>>> " Citibank India has been awarded the "Best Consumer Internet Bank 2009 "
>>>> by
>>>> Global Finance. Log-on to www.citibank.com/india and experience the
>>>> convenience today! "
>>>>
>>>> We look forward to serving you better! Do give us your feedback at :
>>>> https://www.online.citibank.co.in/portal/newgen/customer/feedback-form.htm
>>>>
>>>> " For the Security of your transactions, we request you to raise any
>>>> further
>>>> queries through Citibank Online, our Secure Internet Banking website,
>>>> using
>>>> your Internet Password (IPIN). If you do not have one, getting it is easy.
>>>> You can visit the site below and generate one instantly.
>>>>
>>>> https://www.citibank.co.in/ssjsps/ssindex.do
>>>>
>>>> Using our Secure, Authenticated Citibank Online Channel to raise queries
>>>> also ensures that we can respond faster to your needs. "
>>>>
>>>> Disclaimer: The information contained in this message is confidential and
>>>> intended only for the use of the individual or entity identified. If the
>>>> reader of this message is not the intended recipient, any dissemination,
>>>> distribution or copying of the information in this message is strictly
>>>> prohibited. If you have received this message by error, please notify the
>>>> sender immediately.
>>>> From: Arunkumar N T ([email protected])
>>>> Date: Monday, November 30 08:30 AM
>>>> To: India. Collections. Grievance. [email protected]
>>>> (India. Collections. Grievance. [email protected]); [email protected]
>>>> ([email protected])
>>>> Subject: Harassment By Collection Team part2
>>>>
>>>> To
>>>> The Manager,
>>>> CitiBank, N.A.
>>>> Customer Service Unit,
>>>> Anna Salai PO,
>>>> Chennai-600 002
>>>>
>>>> Dear Manager,
>>>>
>>>> Sub:- Harassment by your Collections Team
>>>>
>>>> My Credit Card No. 4385871607784007
>>>> Ready Credit Acc No. 0108096802
>>>>
>>>> I was working with your sister concern M/s. Citifinancial Consumer
>>>> Finanace India Ltd., as Asst Manager, in collection for SF & Auto
>>>> portfolio and was handling Bucket 3&4. I lost the job on 29-May-09, in
>>>> fact I was terminated from services, I had to fight for my rights,
>>>> they realised their mistake and issued me relieving letter in Sep-09.
>>>> This is big story, now that Im left with no option except approaching
>>>> the Court for Redressal of my issue since, their officials are
>>>> backstabbing me at every time. While I’m going through this trauma and
>>>> shock of my life. Your officials started harassing me.
>>>>
>>>> First I will discuss the Credit Card Issue:
>>>> 8-29 May: There was sudden increase in the call reminding me for
>>>> payment due date and they were asking me when I’m going to make the
>>>> payment? At this point of time I was promptly paying without any fuss.
>>>> The O/s was the same for the past couple of months, but they never
>>>> behaved in this way in the past, but this time 11 days ahead of due
>>>> date they started calling me that too 3-4 times a day. Causing lot of
>>>> disturbance, even if I had borrowed from local Marwadi, or any one
>>>> they would never give such a torture for a prompt payer as you people
>>>> had given to me. I could not understand this logic at all. Why this
>>>> sudden increasing in the calls? On couple of instances I had recorded
>>>> the conversations, which I have attached with this mail. Voice
>>>> recordings are nearly 6 MB so I had to split in 3 parts, since your
>>>> mail box allows attachment around 2 MB so you will receive to totally
>>>> 4 mails in this regard. I understood for this behaviour when I was
>>>> issued termination letter 29-May-09. There was clear instructions from
>>>> your sister concern to you people to recover as much as possible. So
>>>> there was sudden surge in the number of calls for asking the money.
>>>>
>>>> After this season there was lull, calls dropped, till august, again it
>>>> started, but i was so tired of answering calls every day to narrate
>>>> the same story. So sometimes I used to receive the calls and some time
>>>> I was not receiving them. Meanwhile I sent a mail stating that I have
>>>> lost the job attaching a copy of the termination letter, address proof
>>>> and that I will start repaying once I get any source of income, that
>>>> too with a priority, that I will be clearing the overdues. The letter
>>>> attached with this mail for your reference. My intentions are very
>>>> clear, I want to clear the loan with interest as on date, and I never
>>>> told that I will not make the payment. In-spite of this your
>>>> executives were talking to me so rudely, it was tiresome and not all
>>>> the times i can record the conversations. The treatment was as if
>>>> borrowing from Citi is far greater crime than
>>>> murdering/slaughtering/butchering people. They threat, and tell me do
>>>> whatever you want but pay, you lost the job thats your problem, but
>>>> you have to pay, we don't know how, you will arrange, but arrange for
>>>> the payment, I’m sending the executive, pay the amount etc., These are
>>>> all the words and sentence of your call center executive.
>>>>
>>>> Once I received a mail from a third party asking me to make the
>>>> payment, and to speak to a person in this regard. When I contacted the
>>>> person, he said he does not work for CitiBank neither he has any
>>>> friends or relatives who work for CitiBank. This is clearly breach of
>>>> trust by the Bank on the part that you people leaked my identity to
>>>> third party. I have attached copy of the same with this mail.
>>>>
>>>> Please listen to the conversation which is named as rash talk, where
>>>> he clearly admits that he is threatening me. I’m not intentional
>>>> defaulter, I don’t have money to payback, hence I defaulted. See
>>>> what’s happening, they are treating me like a criminal, torturing me.
>>>> I’m circumstantial victim and still I’m saying that I will pay with
>>>> all dues and interests. However, your people are just rude and
>>>> ruthless. Now, that I’m left with no other option except to approach
>>>> legally, hence I'm forwarding a copy of the same mail to Commissioner
>>>> of Police, Banking ombudsman, for Redressal.
>>>>
>>>> Now, I will discuss about Ready Credit:
>>>> Hardly I used to receive any calls from your executives, once or twice
>>>> in a month. But nevertheless conversations used to be smooth. Once it
>>>> happened that I started recording and the lady spoke rudely.
>>>> However, during this month things went far too ahead. First, they
>>>> threatened me and said they will issue court notice, but it turned out
>>>> to be a Lok-adalat notice asking me to appear before Lok-adalat on
>>>> 24-Nov-09 between 11-3 pm. When I went there at 2:55 no one was there.
>>>> By this time they had wound up. Though the closing hours was 3 pm.
>>>> Evening the executive calls me and says that since I had not attended
>>>> the Lok-adalat, he will arrange for a Cop visit. I questioned him on
>>>> what grounds he will bring the police in-front of my home? He says on
>>>> the grounds that since I had not attended the Lok-adalat, he has the
>>>> right to ensure a police visit to my house. I told him if that happens
>>>> things will go wrong, I will take all the legal action necessary to
>>>> protect my self.
>>>>
>>>> 25-Nov-09: He along with manager Krishna, with another guy identified
>>>> as Mr. Babu along with Police Constable Mr. Dinesh, visited my house at
>>>> around 1:00 pm to 2:00 pm they stood in front of the home, though my
>>>> father asked them to get in and speak. They introduced Mr. Dinesh, who
>>>> was in mufti as a cop who has come to handle the issue. When my father
>>>> questioned his legality in the matter, he was baffled, and asked to
>>>> settle the matter amicably at the earliest. I was in the meeting, I
>>>> got a call from my father, stating that Mr. Venkat (FE) along with
>>>> manager Mr. Krishna have visited, speak to them I spoke to them and
>>>> questioned them why they are behaving so? so on and so forth. But
>>>> there was no proper reply from them, and then I called them on
>>>> Mr. Venkats number, spoke to them, again the same. But they did not
>>>> mention that they had brought the Constable with them to create a
>>>> panic in parents and to trouble them in my absence. Every time they
>>>> came they have come to my residence in my absence only. Conversations
>>>> that I had on 25th is recorded. When again I called my father, he said
>>>> they had visited with a police personal; I was shocked to hear that.
>>>> Immediately I called on Mr. Venkat's mobile to speak to him the legal
>>>> grounds. I asked him to handover the call to Mr. Dinesh, I questioned
>>>> him the legal grounds on which he had visited my residence. He was
>>>> clueless, you can listen to this conversation at the time of visit he
>>>> did not carry any authorisation to visit my home. When asked he did
>>>> not had any answer, he started stammering. Evening again Mr. Venkat
>>>> called me inform that since they had placed a complaint the constable
>>>> visited my house. I just wondered, because, he did not mentioned
>>>> anything about complaint in the morning, neither the constable said
>>>> anything regarding complaint in the morning conversation.
>>>>
>>>> In-fact they were panicked as to what to do because they visited my
>>>> house without any auth
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