Hi 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 installments 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 anyways 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 due 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 installments 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 emi's 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. Expect some restoration after this complain.