Dear Concern, I am a Citibank Suvidha account holder in Pune since June 2010. It was a horrible experience that I recently faced for using the credit card of Citibank. I had used the card for few transactions in November 2010, post which I paid regular instalments on the same, which was to be reimbursed by my employer by presenting the card statement in hard copy. Over which I requested citi to provide me the statements, which should anyway be delivered to my mail box and address as a process. Post my request number of times, and moreover every time by explaining the entire story to a new a customer care executive and their promises to do the needful, I never received the statement. Because of which I wasn’t able to get the money reimbursed by my company and the amount I paid for the emi’s till date, was the loss I had to bear on my pocket.
After this point, I stopped paying the instalments over which the bank started their recovery follow-ups and the same story was repeated again, with my cries for the statement, but nothing materialized, and then I was never called back.
Now after two and half years passed by, and also over a change in my employer, I get a call from a citi executive for the amount due on me, with huge interest tagged along. I requested them to send an executive to resolve my complain, which never happened. And one fine day, an amount of Rs.24000 was deducted from my Suvidha account, without any prior intimation. I only get to know about it, when I receive a cheque bounce notice for an ecs due on my account. For which as a process, makes me liable for the fines and also spoils my bank records for the future references.
As an working individual, who has a set monthly financial plans for oneself, basis the funds in bank, it becomes a challenge to survive an entire month to go after having such an unplanned and uninformed expenses. Now I have no idea of where do I pay my pending EMIs and my other monthly expenses from, with a sum of Rs.2000 pending in my account.
Its a horrible experience to have from a brand name like Citi. Beware of using a Citi credit card.