I ham Sipra Sha a credit card holder fo your bank Card no.**** **** ****4002.
I am really unsatisfied with the services from CITIBANK.Please take a note of the issues that a bank like yours can even have.
1.The credit card issued to me was sent to my address without even letting me know. This is a Shopper’s Stop card and the information were collected from Shoppers stop. Neither had I filled up a form nor had I signed on any documents of the bank.
2.After using the card for long three years today when I have a problem the Bank people inform me that in their system my gender is incorrect so they cant help me out. Firstly I have to get my identity changed and then only they will look into this matter.
3.The bank staff are themselves not sure of certain issues.
4.Now the real problem. I had used the card at Metro Cash & Carry in the month of December, I am not quite sure of the date (But according to your bill dated 28/12/08, the transaction was made on 27/12/08) of an amount of Rs.2991 with reference Number 2588925. In the same bill I find a transaction on 15/12/08 stating EMI Transaction.
How can a bank start an EMI without the customer’s Signature and Consent? What EMI are we talking about; being the cardholder I myself am not aware of it
I had paid the bill in full by the due date an amount of Rs.3095 on 07/01/09.
Again when I receive the bill dated 26/01/09 I find yet another transaction on 25/01/09 from Metro Cash & Carry for the same amount of Rs.2991 and also with the same reference Number (2588925). When the bill for the last month was cleared how could the bank charge me again?
Can the bank provide me a Charge sheet for the transaction done on 25/01/09 with my signature on it?
5.Today when I speak with the Citibank People they inform me that the merchant had converted my transaction into EMI and they have no clarifications to it. They were also not ready to speak to me since there was a gender mismatch.
After paying the bill how can I have a due or why do I need an EMI?
How can a bank convert a transaction into EMI without my permission? I have the capacity to pay all my bills before due date with cash then why should I take an EMI.
Even in that month the bill was cleared before due date.
Looking at the present scenario I feel really disgusted to even have a relationship with such a Bank.
This is just a FRAUD and this Bank is cheating the Common People of INDIA.
According to the guidelines of the RBI the credit card companies cannot charge Interest over A fixed rate of interest but this bank charges some thing abnormally high.
I will not make any transactions or payments in this card unless and until all the issues are resolved.
Regards
Sipra Saha
9831005500/9831037731
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