I am a unfortunate home loan customer of Citi. A few years back due to about 0.5 % lower rate difference offered by Citi, I went and took a home credit loan from then. Since then the experience has been one that has caused me several tens of thousands rupees more, wasted time on phone calls and anxiety in general.
Citi is one of the first ones to increase the rate to customers and as of I now I pay 12.75% for a loan which started as 8.25 %. Citi takes out additional money from my account (as it is linked to home loan) without any information or approval or communication.
Then citi tries to say that I am a defaulter and different agents keep calling me without listening. I have paid all intallments on time and I just have to keep explaining and asking for explanation from the callers everymonth.