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Complaints & Reviews

Citibank N. A.credit cards recovery

I Mr. Sanket Anand Vaidya Age 25 Years am holding a Citibank International Credit Card No [protected]. My total amount due on this card was Rs. 4670/- with a due date of 15/07/2007. I have made a payment of Rs. 4700/- wide chq. no. 263805 of The Thane Janata Sahakari Bank, Khopat Branch, Thane which was debited from my bank Account on 06/07/2007 i.e. 9 days before the due date. Even then i and my family was suffering mental harassment as i was getting calls at my residence and my mobile at least 10 times a day from Citigroup Office number [protected] from 06/07/2007 to 24/07/2007 starting from morning 07.00 A.M. to night 08.00 P.M. This is because the Citibank records were not reflecting the payment i had done but in my bank statement it had been debited well in advance. I have even faxed my bank statement several times on [protected](Citibank Fax No.).

SO IS DOING THE TOTAL CREDIT CARD PAYMENT IN ADVANCE MY FAULT?
This was not enough. CITIBANK also charged me late payment fees as i had not made the credit card payment on time. (which was later reversed after one month in the next billing statement)

After this in the month of August 2007 Citibank also threw me in their Defaulters List by adding the name in CIBIL (CREDIT INFORMATION BUREAU (INDIA) LIMITED) without any of my fault as i had done the full credit card payment 9 days before the due date.

I came to know that my name was added to CIBIL from ICICI Bank. In the month of August 2007 i had applied for a OVER DRAFT ( OD ) facility in ICICI Bank for Rs. 5,00,000/- (Rupees Five Lakh Only ) for my business which i needed very urgently to expand my business. The Over Draft was SANCTIONED by ICICI Bank.

But later in this month of September while doing the disbursement of the Over Draft Facility it was rejected by the Credit Manager of ICICI Bank as my name was by that time added in the DEFAULTERS list in CIBIL for the late payment of CITIBANK Credit Card.

Now i am in a state of mental shock as i had given many commitments of expanding my business on the basis of the ICICI Bank OD Facility. My mother is an Heart Patient. She and my other family members have suffered a TORTURE and Mental Harassment from Citibank Credit Card people as they would harass us all from morning 7 AM to 8 PM by calling on my residence number and Mobile No.for almost 20 DAYS.

AND my dream of expanding my business could not be realized. I have suffered huge financial loss and i am in a state of mental shock because of CITIBANK.

Now what should i do to clear my name from the defaulters list in CIBIL?

Can i fulfill my dreams in future? As till my name is in the defaulters list in CIBIL no financial institutions will help me.
PLEASE ADVICE ME smb!

Regards,
SANKET ANAND VAIDYA
CAR MALL THANE,
Service Road, Bata Compound,
Next to Flower Valley Society,
Khopat, Thane(W)-400601. Mumbai
[protected]/ [protected]

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    The complaint has been investigated and
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    Citibank - Citicardsthey don't care!

    Citibank
    Customer Service Center
    P.O. Box 6500
    Sioux Falls, S.D. [protected]

    My complaint is against Citibank, or more specifically, their credit card division known as Citicards. Back in the Fall they came out with a promotional flyer for the Christmas season whereby you could sign up for a program and get 10% back up to $100 at purchases made at department, discount and apparel stores between certain dates. The first hint of trouble was that their definition of what they consider to be one of those stores was at best vague. I needed to buy a new computer so I signed up for their program. I never was credited with my $100. Why? It had nothing to do with the item I bought but where I bought it from, Circuit City. By definition that is considered an electronics store and was not eligible for the discount. The bigger problem here was this. In that promotion flyer they listed three examples of how you could save. One was a cashmere scarf for $80, you save $8. Another was a snow blower for $130, you save $13. But the other was a HDTV for $790, you save $79. Now think about this! If you were going to bu y an HDTV where would you most likely go to purchase one? That's rig ht, an electronics store such as Best Buy or Circuit City which doesn't eve n qualify for the discount! At the very least this promotional flyer was deceptive. I have cut up my Citibank card and gone with CapitalOne, a much better interest rate as well. I will make sure this costs them more than if they just would have given me my $100. The problem is, they don't care. Just do a search on this site under Citibank and watch how many complaints come up. That in itself speaks volumes about their customer service, far more than this letter ever will.

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      Citibankdebit card account closed

      Citibank is serving very poor to the customers. I have a suvidha debit card with that bank. That account has been closed without any intimation. There was some amount in that account, to get that amount its happened more than one month. I roamed several times to that Bank in Begumpet in Hyderabad. I also heard there is some contradiction with Indian government, because of that ECS is also becoming very problem in that bank. Please be careful while you are contacting this bank.

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        Citibank - Punecitibank lost my cheque

        Citibank Pune has lost my Cheque & is trying to trace it for the last 6 weeks but no help

        My name is Ms Anisha Tauro. I hold a Suvidha Saving's a/c & an ERA with citibank. These a/c's were set up in January 2006, when i started working.

        I am currently in UK & its not possible for me to be physically available in Pune to deal with my grievance.

        My company had issued me a Full & Final settlement cheque.

        As i mentioned i am not in town to deal with this personally, my sister, Ms Chetna Tauro had accidently deposited this cheque in my era a/c instead of my Suvidha savings a/c . However the money was not credited. I asked her to call citibank & follow up to check what had happened & she was told that only money transferred electronically from my previous employer can be credited into the ERA a/c, hence the cheque was not honored. So now the concern was how do we get this cheque credited into my savings a/c. She spoke to various agents on th call center, but no one took ownership of he call but instead kept us in a loop of calls!!! If all the calls she made are noted, you will find all the notes of all the conversation she has had on my Suvidha Saving's a/c.

        Finally in all this confusion she was told her that citibank would be send the cheque by post to us & we would receive it in a weeks time.

        A week later my sister called the call center as we had not received the cheque as yet & she was again told that the cheque is lost & cannot be found, citibank will courier the cheque when it is found.

        This is a serious security breach & i have EMI's passing form my a/c & i dont think citibank would take responsibility if the EMI bounces. So now, not only do i have to follow up with citibank time & again for the past 6 weeks but also make sure my a/c has enough credit balance to make sure the EMI not not bounce. This means my commitments to other important things is of lesser priority & citibank seems to have taken the topmost priority.

        Its getting frustrating for me & my sister to keep following only to be told each time that the cheque is still not traced. Bearing in the mind that the cheque will not be honoured if its passes over 3 months.

        I am suprised that citibank has lost a cheque & is not able to provide customer service. Whats even more worrying is that if the cheque not not been credited, why did citibank not let me know that they will not be able to deposit the cheque in my ERA a/c & return my cheque back to me?

        I cant stress any more on how frustrating it is to follow up as citibank never kept us updated. The amount is quiet high & for all i know somebody must have already got it encashed! (am saying this as there is a security breach & citibank cant find my cheque & return it to me).

        I don’t know what to do & I don’t know where to go!

        Anisha

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          • Br
            brtty j whittemore Aug 10, 2007
            This comment was posted by
            a verified customer
            Verified customer

            Go back to the writer of the check. See if the check has been cashed and by whom. If it has been cashed then Citibank is responsible if you deposited it and have a receipt. If it has not been cashed then have the writer of the check stop payment on old check and rewrite you a new check. Checking to see if the check has been cashed is the first thing you should of done. Second thing- Went back to bank with information from check writer. 3-With proof of having been cashed you would now have them. 4- If not cashed-get new check from check writer. 5. If check was been cashed then fraud has taken place.

            0 Votes
          • Sa
            Sanjay kumar r.verma Jul 17, 2008
            This comment was posted by
            a verified customer
            Verified customer

            Dear sir/madam

            my self Mr.sanjay kumar R.verma.I was deposit chque no.000194 of Rs.3934.00 on 2nd july 2008 in shahad branch near Century rayon co. but still it is not clear.please confirm & tell me regarding status of chque.it is out station chque .

            My a/c no. is [protected]
            If any discripency regarding this please call me on [protected]

            0 Votes
          • Va
            varun patel Nov 17, 2008
            This comment was posted by
            a verified customer
            Verified customer

            I transferred money from my icici a/c to Citi a/c on nov 6th but there has not been any credit to my citi a/c, icici people has given me the confirmation no. that transfer has been made but the citi customer care people are trying to camouflage their fault by saying that it is being traced, we areworking on it and blaw blaw...

            0 Votes

          Citibank & Hutchdouble payment and harassment!

          Hi I had a hutch -citibank credit card in june 2006.The scheme offered by citibank was that, they will make the monthly payment for ones hutch postpaid connection. This payment has to be made by citibank before the due date of the Hutch bill. Later the owner of the hutch connection will pay the same outstanding to citibank.

          According to this scheme,after clearing the outstanding for the month of june & august 2006 ,I had launched a request in september (before the due date of hutch bill) for closure of this scheme.The card was not closed and moreover citibank kept on making the payment to hutch from the moth of september 2006 to january 2007 without informing ME. Also Hutch and citibank both misguided with the procedure to follow for closure of account(credit card).

          In the meantime since I had requested for the closure of the card, I kept on paying the bills regularly to HUTCH. Both Hutch and citibank did not inform me of the double payment which the hutch received for the consequent bills from the month of Sept 2006 to january 2007.

          Now citibank are harassing me to pay the outstanding, which actually doesn't exist, as I have been regularly paying the bills to hutch till date.
          Citibank and Hutch should be sued for harassing a regular and sincere customer like me>.

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            • Lo
              Lord Shiva Dec 07, 2015
              This comment was posted by
              a verified customer
              Verified customer

              Dear Indian Girl / Woman, Lord Shiva Will Punish Citibank, His forms are various, yet he will Give Them the Right Dose

              This Citibank and other banks were Established by Stealing Gold from India by Rothschilds,

              The Notorious Rothschilds or the Gold Stealers from India stole Trillions of Dollars Worth Gold of
              India from Indian Kings and other places in our great great great " India " and Killed lots of Indians

              With the Money from India, they created banks like Citibank, JP Morgan Etc, so don't care about them

              Lodge a Complaint with the Banking Ombudsman of your city in writing along with the bills and
              ask for 1 lakh Rupee compensation, Make it Public

              Peace Be to You !! Enjoy My Fellow Indian Friend !! God Bless You !!

              0 Votes

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            Citibanklack of professionalism and financial misconduct

            Dear All,

            This past one year has been one of the toughest one (financially) for me.

            All this has started to happen after (what I believe) someone sitting in citibank bangalore (almost 2 yrs ago) started screwing with my account on God knows what prejudice.

            They mishandled my citibank Gold credit card ... that caused me a hugh loss.

            They mishandled my Suvidha acount on pretext of above.

            They mishandled my Suvidha Account due to Ready Credit.

            and they are doing it still ....

            Citibank has been making unjustified withdrawals from my account on some or the other pretext.

            Citibank has kept me ill informed about the transactions. They keep tinkering with the records. They provide extremely delayed and illogical explanations (or statements) in response to my detailed and specific query.

            I want to file a formal complaint (consumer forum or elsewhere) regarding this and seek financial redressal from them.

            Please guide me regarding the same and/or provide me with some contacts in order to effect the same.

            Many Thanks

            Ramgopal Zutshi

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              Citibankvery irresponsible bank

              Hi, I am putting my suggestion rather than complaint (because If we make a complaint, atleast it get resolved after some time). If you are looking for Personal Loan then don't take from citiBank, taking Loan from citiBank is very pathetic job. Agent coming from citiBank is really very irresponsible. (For Hyderabad people-don't take loan from a person called SANTOSH)

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                Citibankapproved loan, cash not received

                I had applied for a top-up personal loan against my existing personal loan. I gave all the required documents and the processing was done. I received a call from the personal loan verification department on Friday (06/07/07) stating that my loan has been approved and I have to pay an EMI of 1909/- on the 1st of every month starting from August, and that my amount will be credited in my bank account by Monday (09/07/07), but it has not been done till date. I called citibank customer care and after me calling them for more than 20 times, I came in contact with a person who wanted me to contact personal loan department in Hyderabad and gave me phone numbers (040-[protected] & 040-[protected]) and told me to contact person named Gopal. I called to the given number multiple times, but no one was lifting the call.

                I am very frustrated with what is going on because i don't know the status of the loan and I will have to pay the EMI on date.

                Thanks,
                Sunil A. Santas

                Account number: 501250xxxx (suvidha account)
                Phone numbers: [protected], [protected]

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                  Citibank Credit Cardno security for card member

                  I would like to bring to everyone's notice, that though a credit card company, when making you a member and sending the card to you, mentions in their covering to sign behind the card for mutual security, it has no validity.

                  Every since the system of electronic swiping has come into place, no retail outlet bothers to verify your signature. All they are satisfied is if the approval is given, and the receipt is printed.

                  This is serious, as it encourages fraud. Anyone can sign and make purchases as signature is not verified.
                  I have asked Citibank this question,and till date it remain unanswered.

                  What I have come to know is that the retailers will get their money irrespective the fraud has been committed.

                  Unless the member contests that the purchase has not been made by him or her, only then perhaps the bank will take cognizance. However if one's credit card has been stolen, its very easy for the thief to make purchases as no signature verification takes place.

                  Signature verification should be made mandatory, and retailers etc should be held responsible too for sales they enable on credit card.

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                    • Ni
                      nisan Mar 04, 2008
                      This comment was posted by
                      a verified customer
                      Verified customer

                      As a former employee of Citi cardmember services, I can tell you that we would hope that you sign the back when instructed to do so (when you call to activate the card) so that should there be a fraud claim, it will help in the investigation.

                      Many people do not sign the card because they feel that should their signature be mastered by a thief, it will make a claim harder to prove. Stores arent supposed to accept an unsigned card, but most do, as you have said, because they have a green interest.

                      If you were truly that concerned, maybe a card with a photo will be better for you.

                      If it helps at all, just know that even though many people claim fraud, many are not fraud, just people not wanting to pay and report it stolen or lost, etc. Claims are not signed off easily, like money off a tree. They are investigated fully, and if someone on the video surveillance isnt you, I wouldnt worry about the signature, present or not. If every credit card in your history has claims on it, thats a problem. If not, thats what the buyer protection is for.

                      0 Votes

                    Citibankcitibank is absolutely terrible!

                    This is just to inform you of my customer experience with Citibank. There customer service is absolutely rude and they steal money from you informing you that you never made a payment. I have never experienced anything in my entire life, with a credit card service like Citibank. They are absolutely terrible and I hope their ratings go down.

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                      Citibank / Good Year — unacceptable behavior and business practice

                      This is the message I sent to Citibank, I forwarded it to Good Year as well as Conrad's, I do believe...

                      Citibankforeclosure of the personal loan

                      This is related to a loan acquired by me from CITIBANK on 30 Aug 2005, and the first EMI was Debited sep 2005,I had asked for the foreclosure and gave you a months notice on 12 Feb 07 and called you on 22 March 07 for the O/S informed 31,503.26 /- and i had a DD made for the same amount and gave the request for the pickup as informed by CALL CENTER AGENT but it was not picked.

                      I HAVE SPOKEN TO ONE OF THE AGENTS TODAY AND SHE HAS GIVEN ME THE AGENCY'S NO [protected]-[protected] AND TOLD ME TO RING THEM AND GET THE PAYMENT PICKED.

                      I HAD CALLED THEM MANY TIMES AND GETTING HARASSED BY FALSE PROMISES BY CITIBANK AGENTS.

                      Stay way from this company!

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                        Citibank Credit Card — credit card never issued

                        As my card expires in October 2006, since now I haven't received my new card,and also their officer...

                        Citibank Credit Card — poor customer treatment!

                        I am writing this email to you with regard to my Citibank Credit Card, I was sent this card without any...

                        Citibank AT&T Universal Credit Cardat&t universal credit card is a rip off!

                        10 % back as a statement credit on purchases at department, discount and apparel stores until 12/31/06. (up to $100.00). This was the offer sent to me by AT&T Universal. I phoned and attempted to get a list of stores and was told there was none. Activation by me was required; this was done on 11/20/06. Purchases totaling over $1500.00 at Wal-Mart, Home Depot and Harbor Freight were charged.

                        As my statement date neared I sent messages on the AT&T message center inquiring about when my credit would be posted. First I was told that I was not enrolled in the program. Sent verifying information. Customer service apologized and stated that I was enrolled and stated that the credit would appear on the same statement as the purchase. Sent another message stating that I was ready to pay the statement and asking that the credit be posted. Received a nonsense response: Our records do not indicate that an online payment was successfully completed. Please try again.

                        At this point I started phoning and was told to call back in 48 hours, was then told to wait till next statement. Waited till next statement, called and was told by service rep that her supervisor stated that I would not receive the credit. She state that Target and JC Penny were department or discount stores but Wal-Mart, Home Depot and Harbor Freight were not. I closed this account and would advise anyone to not consider doing business with AT&T Universal or Citibank.

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                          • Ga
                            Gag Me Mar 16, 2007
                            This comment was posted by
                            a verified customer
                            Verified customer

                            I completely agree. I've had the same problem.

                            0 Votes
                          • Cj
                            cj Mar 03, 2008
                            This comment was posted by
                            a verified customer
                            Verified customer

                            citibank is a very misleading they lie and cheat the intrest rate is too high and they don't try and help you when you fall into a situaiton they only race you to pay the bill even on weekendsa and holidays they call they have no symthany for you when you even tell them what your problem is they will not weven work out a affordable payment plan with you athey only want the max and intrest fees and late cost they are quick to take you to court and try suing that all they prefer doing this is a very nasty co, have your id in place they will claim they never called you on sundays or early morning before 8:30 they will tryto lie out the whole thing i hope we can all work together and find a way to close them i have made a complaint with the consmuer afairs about them. so let keep in mind they have citibank and there is a law which stand behind wrong....

                            0 Votes
                          • Pa
                            Patti Apr 10, 2008
                            This comment was posted by
                            a verified customer
                            Verified customer

                            Citibank out and out lies to customers and then will actually say you yourself is the one lying. I had a problem with a payment. My payment account was closed on line so I could not get into my account. I was not recieving written bills from them. Finally I got ahold of them. I set up a payment agreement and my first payment I actually sent $310 dollars more than I agreed on. The next month I payed the agreed amount. One week later I recieved a call telling me I was late with my payment. I questioned them and guess what? First off they do not tape conversations. I told them to listen to the recording and I was told "Oh we do not tape all of our conversations. We may tape random for training purposes only not lawsuits." Well who ever said anything about a lawsuit? I sure didn't. Next they inform me that no agreement was ever made. The computer did not note an agreement was arrainged. When I said are you saying I am lying? I was told in no uncertain terms that no agreement was made with me. I was also informed that since there was no agreement made that my payment was late. I would have an interest rate of 29 plus percent and late fees added. Watch out for this company if you do not get something in writing from them they will proclaim you a liar, jump your interest rate and charge late fees. I also entered another agreement with them for payment and before the witch I was speaking to could say anything I was telling her what the terms would be. Now if I had not already had an agreement with them then how would I ever be able to tell her their terms. Gee I must be psychic or something.

                            0 Votes

                          Citibank — annoying daily calls!

                          They Call almost daily. I hang up on them when I hear who it is but they call back the next day. The last # was [protected].

                          Citibank - 800 - 280 - 7635annoying unsolicited calls

                          This call comes from the Citibank new card accounts department. These people have called me almost daily, at 2-3 hour intervals, never leaving a message identifying who they are. They stay on the line long enough for the answering machine to make its statement and hang up 2-3 seconds afterward causing my machine to register a message. If they are going to stay on the line that long, identify their purpose in calling and maybe I might consider calling them back. All of my card accounts are in excellent standing, so I know this isn't a collection related call.

                          Main purpose of my posting this complaint is that no one has posted anything concerning this number so now there is some reference for others curious about who is on the other end of this number.

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                            Citi Bank - Mumbai, India — loan recovery problem

                            I have taken a personal loan of 2.5lakh from citi bank almost one and half years and paying all emis, I am...

                            The complaint has been investigated and
                            resolved to the customer's satisfaction
                            Resolved
                            Citicardharassment practices

                            These are several numbers [protected], [protected], [protected], [protected], [protected]) I have received calls from Citicard as a result of a billing dispute. I have downloaded a program from Traysoft called Phone Tray Free which uses my computer modem to automatically hang up on these harassing calls after one ring. If you have a voice modem you call also have it play one of several messages available. The one I use emulates a disconnected phone. The program also logs date, time, and calling number of all calls. I offer this to allow others to fight back to these harassment practices. I also report each call to the do not call site.

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                              • Go
                                gordon Aug 19, 2008
                                This comment was posted by
                                a verified customer
                                Verified customer

                                on a payment plan with united collection bureaufor CITI CARD, bounced three checks, started paying them with WESTERN UNION, there not happy, said they will have state of Illinois Monday the 22nd to serve PAPERS, what does that mean JAIL??

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                              Resolved
                              Citibankthe worst credit card company i've ever dealt with!

                              Okay, I had a Citibank Credit Card a couple years ago. I was behind on all of my credit cards at one time. I came into some money and called all my credit cards and wanted the payoffs for them.

                              All my credit cards sent me statement and I sent them the payment in...no problem...BUT CITIBANK. I sent them the payment with the statement they sent me, but about 6 months later they sent me a statement that I owed them $500. I called them to see if maybe something got messed up with my payment. The RUDE rep stated that I had agreed to a payoff with the representative, I spoke to over 6 months ago. I stated, NO, I just asked for a payoff statement be mailed to me. The RUDE rep that I spoke to this time, was not helpful and did not want to help me at all. I asked the rep to send me a copy of my statement that I mailed with my check and they said FLAT OUT NO!! I asked to speak to a supervisor and that person was even ruder than the other. Basically, they will not send me a copy of the statement that I mailed with my payment to prove the total amount in the payoff. Unfortunately I didn't make a copy of my statement, but I made a copy of my check...dumb on my part. Now over the years Citibank has sent the bill to a collector and has kept increasing the amount of the money due, apparently adding interest. It's about over $3000.00 now. WOW!!! I never created an account online with my credit card, so I can't go online to get a copy of my statement either. I even worked with one of the collectors to see if she can work with Citibank to resolve this issue, but they won't work with her either. No statement will be mailed to anyone to prove the amount on the statement. I have written letters to the company and the President with no responses. The worst credit card company I've ever dealt with.

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