Citi Bank Loan on Credit Card
Did not Accept Loan but need make EMI Payment

On 20th Dec I have received a call from Citi Bank stating that basing on my credit card transactions i have been offered a loan of Rs.190000/- I have enquired for few details regarding emi and interest and said initially yes and next morning I have called up the no. which i have received call from and no body is attending the call again on 22nd I have received a call from the executive confirming the same i have conveyed him I will not be able to make up with the new commitment so please dont issue me loan, he said he will get back to me and I have received a Cheque/DD on 26th Dec, which I did not accept and sent back the same to the consignor.

I have received loan repayment schedule and credit card statement asking me to make a payment of emi as well as processing charges and service tax.

I have called up citi bank customer care raised a complaint for the same after receiving the statement from then to 21st Feb I have made several calls about this issue, every time they are conveying me the message we have sent your complaint to concerned department we will be receiving the feed back give us a call after 3 to 4 days, when i called up on 21st Feb I have been said by customer care executive that i will be receiving a call before 25th Feb and also i have been said i need not make any payment as i did not avail the loan, in the mean while i have not received any phone call or credit card statement from citi bank confirming something about my complaint.

Finally when I called up today i.e. on 15th March I have been conveyed by the citi bank customer care executive I need to make a payment of approximately Rs.18000/- after cancellation of loan, I was shocked to hear the same.

Please help me to come out of this issue, I am having a very good credit record, because of this issue it might get spoiled.

Company: Citi Bank Loan on Credit Card
Country: India

  <     >