Citibank Credit Card / Loan
Claiming illegal money

I hold a citibank credit card. Citibank offered me a loan on phone.

And for that I had to pay EMI for 36 months.

After taking that loan, I have paid EMI regularly.

After around 1 year I got letter whcih asked me to return all the rest amount.

When I asked them, they told that they issued one link card.

And there was due for that card. So they have blocked the original card and claimimg.

1. The address they sent the link card, was not my current address.

2. After giving loan, how a bank claim to return all the amount. They took interest for 1 year.

3. I am not a defaulter, I have paid all the EMIs.

4. If they issued any link, why they didn't tell me that for any discrepency of the link card they can calim the loan amount.

5. e.g If I take a loan of Rs. 2500000.00 and after certain years bank offered me to open an account. After opening the account, if bank finds any discrepency in my account, how the bank can calim that huge amount to return? which is not possible to any one. (Note: EMIs are regular).

Company: Citibank Credit Card / Loan
Country: India

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