Hi,
I am unwillingly writing this as I have been forced by the situation Citibank has created for me. I DO NOT expect such an unprofessional and unethical behavior towards a loyal customer of Citibank. This space is actually too small and impractical to narrate to you the kind of harassment that I have experienced. However, I have managed to find little time from my busy schedule to summarize the bad weather at my end.
I am using an Indian Oil Citibank credit card (5425569792415002) from about more than 4 years. On march I received a call with an offer from your bank of Rs.1, 47, 000/- loan on this card. I took the loan and started paying the EMIs. After about 10 months I started receiving calls from the bank reminding me about the outstanding amount and forcing me to pay the minimum amount payable as soon as the statement generates (which means in the first week of every month). Whereas my last date of payment is on 21st of every month according to the statement I receive. Also it is important to note that from the beginning I have given a standing instruction to my CitiBank Suvidha account for the payment. I was getting these kind of calls in every 2/3 days. I was trying my best to make them understand that I have given a standing instruction to my Suvidha account and they don’t have to remind me all the time. But all my efforts were useless. It was clearly understandable that they wanted me to pay off the total loan amount in one shot. I had taken the loan for 4 years and it was quite impossible for me at that point of time. In due course, I was offered an additional loan of Rs. 99, 000/- on the condition that they will close the previous amount and I’ll have to bear the interests and EMIs of the combined amount (the previous amount currently offered amount i.e. Rs.1, 15, 380/- Rs. 99, 000/- = Rs. 2, 14, 380/-).
And, now I get calls from Citibank almost every day (Ph no. 080 66594444 for ref), asking me for the payment knowing the fact that all payments are in the form of standing instructions. This has become so irritating that I am losing my reputation amongst my family and friends or co-workers. This is a serious matter for me now and I DO NOT want such calls anymore. Why does anybody have to call me when I am paying EMIs on time? Why should I explain when I am going to pay through STANDING INSTRUCTION? – This sounds so foolish! Or Citibank has hired tele-callers to harass people who are somehow associated with the bank. They have called me uncountable times. This kind of behavior indicates that Citibank wants me to clear all the remaining amount at one go, which is unfair and against the law.
I don't know whether it makes sense mentioning it here... The complain section in the Citibank website is something which I think is for fun. Any complains made through this never reaches them... some irritating link error is popped up at your face - seems like they don’t want to receive any complains from you.
Such a response forcefully makes me conclude that if this is what they offer in terms of complains then what would be the level of seriousness and professionalism offered to Citibank customers.
I need suggestion on this…….
Regards,
Sourav Sagar Panda.
0 comments