Citi Bank
CARD LOAN

My name is Andrea Gideon holder of Citibank Credit Card Number 4385879211488006. This card has been converted in to a loan and I am supposed to make a payment of Rs. 6010/- per month for 24 months.

I had set up an ECS on my salaried account to ensure the monthly payments are done on time. When I was signing the ECS form I clearly stated that I do not get my salary before the 7th of every month and picked a date after that for the ECS to be presented.

The initial few months went without incident. However in December the ECS was presented to my account on the 5th December. Since I did not have funds in my account I had to pay the insufficient charges. Nobody from the collections team called me in December. However as we step in the new year another ECS hit my account on the 1st of January for Rs. 1-. I have not authorized Citibank to take out any amount except for Rs. 6010/- and if this amount had been presented it would have cleared.

Finally, I got a call from your collections team in January and I spoke with Karan and Ms. Saloni Seth and they assured me that they would have all my charges reversed if I make a cash payment. I made a cash payment on January 18 for Rs. 1-. Now that brought my account up to date and my next payment was due in February.

However, on the 28th of January another ECS of Rs. 6010/- was presented and cleared my account. I had written out two insurance checks which were returned since Citibank took out another payment in January even after bringing my account up to date.

I have been calling Citibank to get this issue resolved however no one in any department is doing any thing. I cancelled my ECS on my salaried account and have had to incure approximately Rs. 5000/- on insufficient charges. It has been 5 months since I paid my EMI's and contrary to what the Citibank executives have told me, the ECS gets presented to my account at least 4 times every month.

ON 8TH JULY FOUR CHEQUES WERE PRESENTED TO MY ACCOUNT FOR AN AMOUNT OF RS. 24040/- LEAVING MY ACCOUNT BALANCE AT RS. 13.82. Now I have had enough with this Citi Bank. If this is the way they plan to get out of financial difficulties they should go bankrupt.

Company: Citi Bank
Country: India

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