Dear Sir,
I am your customer of credit card number 554********76011 for a long period. You can check your records also that I was never defaulter in payments.
On 2nd May 2010 I used the card on internet to book 2 Air tickets from Delhi to Mumbai through Yatra.com vide reference # ********12 for Rs 10666. Until that period there was no issue and everything was perfect.
On 8th May 2010 I tried to book 2 Air tickets from Mumbai for Delhi. In spite of so many attempts my card could not go through the payment gateway. I was not having any money to buy air tickets from Mumbai to Delhi and my card was not working. I have to Beg the money and somehow reached Delhi on 8th May 2010.
On 9th May 2010, I again tried to book Air tickets from Delhi to Mumbai but I faced the same problem as card was not going up to payment gateway. Then I complained this matter on phone to your customers care no’s on 9th may 2010. They said that there is no problem on my card and try again. After getting the advice of your customer care office, I again tried so many times to book the ticket on internet but I was not successful. Then again I called your customer care no’s and explained my problem. He confirm that there is no such problem on my card. Then he gave me an email address of customer care of Citibank to mail my problem and will get the answer in 2 or 3 days which I did on 9th May 2010. When I was trying to book 1 Air ticket from Delhi to Mumbai on 9th May 2010 Jetlite Airways came to know that we are trying to book ticket but unable to go through. They called me and took my card number expiry date and CVC and booked the ticket offline for Rs 3180. The reference number of this transaction is ********13.
On 10th May 2010, I was shocked to get an email from customer care department of Citi bank that I have not used the card on internet for more than 180 days so my password (PIN) has got expired and they advice me to go through certain steps to get back the password. This email of customer care is totally false, wrong and without facts. When I booked an Air ticket only 8 days ago through internet vide reference no ********12 and they are saying I have not used my card on internet for more then 180 days.
After going through this agony, pain, shame on 8th May 2010 to beg money to buy Air tickets and getting this false, wrong answer from customer care, I stopped paying the installments with the purpose that somebody from the bank will approach me and then I can explain the situation to the executive.
For 4 months some collecting agent’s man visited my place. I explained them the situation and they promise me that they will resolve my matter.
Then on 17th September 2010 one Mr Sailash Pandey mobile number (********52) came to my office and understand the whole matter. But he never come back with any solution.
My only contention is that my card should be revived and status quo should be maintained as on May 2010. This is 100 % bank’s fault and they are not solving my problem instead by sending collecting agent’s at my residence and office to harass me.
Please take it a note that if you try to put this overdue amount (Due to your fault) to CIBIL or any other credit rating agency, I will take bank as well as CIBIL to court of Law and even file criminal case of defamation against the bank officials. Resolve my matter and start banking with me.


(A.k.kohli)