Citibank Credit Card
Claiming illegal money

I hold a Citibank credit card. For that card, Citibank offered me a loan of Rs.58000.00.

For that I had to pay 36 EMI.

But after paying EMI regularly for one year, I got message that Citibank is claiming the rest amount.

When I asked them about this, they say that they issued one link card and I have some dues on that card. So they have

Blocked my original card and claiming the amount.

When I asked them where they have send that link card, they told that they sent that card to my previous office address.

But I left that office before that. I informed them that I have not received that card).

Even, they have not sent any statement for that link card.

After giving loan, how the bank can ask to return the entire amount, if I pay EMI regularly.

(If one has money to refund then why he will take loan?)

E.g. If I take loan of Rs . 2500000.00 From any bank for purchasing a flat or medical purpose.

After giving EMIs for one or two year (Note: Bank deducts very less amount of principal), bank suddenly asks me to return that huge amount

And for that they are giving one reason (either the account I have in their bank, the minimum amount is not there or any other reason).

Then how it is possible to return that huge amount?

Note: EMIs are regular. (not defaulter)

I have paid EMI regularly.

Please suggest me.

Company: Citibank Credit Card
Country: India

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