Dear all,
Im trying to resolve this following issue as I had faith in the citibank officials but it is pending for last 2 years and there is no hope left.
Request you to please go thorough the details and advice what is the best option I can have to resolve this..
thanks in advance...
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A Citibank Salesman met me on March at my office. After 2-3 discussion which he used to call and arrange I agreed for an Insurance Policy (Birla sunlife) of 25000/- only and signed the insurance documents wherever applicable. For backup he had taken one more signed insurance document. During this meeting he told me to apply also for Citibank credit card. (There was no mention of future pay through this card. Also I had told him I will pay EMI by online Electronic transfer/cheques as I was not satisfied with the Credit card use.).
Few days later I got a postage mail of BIRLA SUNLIFE saying I have to pay 50000/- .The Policy number is 001584296. I called the salesman for reason of increase of Insurance amount from 25000/- to 50000/-. He said he would work out this issue and call me back.
There was no call back. When I called back salesman was in Nagpur.
At that time the due date for renewal had elapsed.
I met Reporting Manager of Salesman in the Citibank Office. There was understanding between us to resolve this issue and Reporting Manager will come back to me.
Again there was no feedback. I again called both. I was told one more citibank official is working on this. She met me at my office and assured me of solving this and told me to wait for another 15 days.
When the Citibank official called me (as I had complained from the online Citibank account) from Chennai to know the status. I asked them to call after some time. I called citibank official and asked her what the status is and she told me tell them that the issue is being in final stages of resolution. The Citibank Chennai team called me back after some time, I told them that Citibank Pune team is in touch with BIRLA SUNLIFE and is in final stages of resolution. But it was a fake assurance and nothing happened. This I still regret to this day.
In the meantime I cancelled my Credit card and was in touch with her through mails but there was no update on this for next 1 month.
When I called her she said she has left/resigned from the company and (Reporting Manager) is working on this.
At that time I had finalized a flat and for loan I was getting difficulties as my name was there in CIBIL defaulters list (Which I think is due to negligence of CITIBANK officials) Which was another blow for me.
Somehow with great difficulty and patience I managed to convince the bank officials of this above said whole issue and they approved of my home loan.
Now there was call from Citibank recovery personnel. Here also same hopeless assurance where I have deposited ~9000/- in the hope that it is resolved.
I have called him umpteen times, sent mail but there is no progress.
From my side I was helpful even after knowing the fraudulent practices of bank officials.
What I have observed is that when you need policy you will call customers at anytime to get done but once done there is no call back, updates. They forget the customer.
Customer is helpless and he has to bring all the concerned people in loop to get the work done.
Also if you are out of office you need to delegate your pending, running work to your colleague to get the work done. This didn’t happen with me within the policy elapse time.
Also before Final submission there is no final confirmation of policy details.
Now I feel betrayed by these people. Only my request is that I can’t bear more and I had enough of false promises.
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