CITIBANK India - Citibank credit card payment debited from my citibank salary actt after 4 years
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Complaint by: amar deep kumar on June 2, 2010, 12:44 am in Credit Cards

Hello Sir/Madam,

Good Morning, 5 years back I had a Citibank Credit Card (Credit Card # 5425 5698 5019 0000) issued on October, 2005 with credit limit of Rs.14000/- which was linked with a Citibank salary account. I made so many transactions and paid outstanding so many times to Citibank. In 2006 my grandmother was very ill so I go back my home town with bag and baggage, unfortunately at that point of time I was not able to paid remaining outstanding of approx Rs.11,000/-. I came back to Delhi after 2 years in May, 2007 and got job in June, 2007 and opened another new salary account in Citibank (Citibank account# 5121104228), because previous account had been closed.

Now, Citibank debited 10,607.65 from my Citibank salary account (account# 5121104228) on 31-May-2010 without any prior notice/information.

Citibank made 11,000/- to 96,000/- includes very high interest rate and additional charges. I am a service class person and having family of 5 members including 11 months old baby girl, how I can pay back 96,000 to Citibank against 11,000. Since Citibank started to debit credit card’s outstanding from my Citibank salary account so, I am struggling to fulfill basic needs or bread and butter with remaining amount of my salary after deduction. Please help me to get this case resolved as early as possible

I have not enclosed any documents as a proof, because I don\'t have any documents. I have taken all the information related to credit cards from Citibank customer service.


Best regards,

Amardeep Kumar
********79
Honeywell International India Ltd.

Complainant's Goal: credit card settlement & stop debit of card's dues from my salary account
Complainant's Target: CITIBANK India
Complaint Location: IndiaDelhiNew Delhi
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Recent Comments
3.
Sat, 28 May 2011  genuine help

Mr Kaustubh - please feel free to call on the following nos - senior citibank employees- any hr of the day

Kuldeep - ********75 ( Mumbai )
Mejo - ********92 ( Mumbai )
Anshu- ********10 ( Gurgaon )
Vishal Bhardwaj - India Head - ********55 ( Gurgaon )
Shutrado - ********07 ( Gurgaon )

These guys need to be taught a lesson for fleecing the public and being un-professional in their attitude.
There are several complaints against them and a lot of customers are having a tough time dealing with them.

2.
Sun, 06 Jun 2010 - Business Reply from - CitiBank (CITIBANK India)

Dear Mr. Kumar,

This is with reference to your email dated June 02, 2010.

We are concerned to note your feedback on your recent experience with us. We regret the inconvenience caused.


We wish to inform you that, we have not received any payment towards the dues in your card for a considerable period of time.

As a consequence, we have closed your card with effect from November 21, 2006.


Further please note that, in the normal course, if we do not receive payment towards the outstanding in a credit card account, we exercise the ‘Right of Set Off’ rule as mentioned in the Savings Account Agreement which states that, 'you may at any time and without notice to me combine and consolidate all or any of my accounts with the liabilities to you and set off or transfer any sum or sums standing to the credit of any or more of such accounts in or towards satisfaction of any of my liabilities to you on any account or in any other respect whether such liability is actual or contingent, crystallized or future, primary or collateral or several or joint'.

Hence, the sum of Rs. 10,607.65 has been debited from your account.


As on date, there is an outstanding of Rs. 85,676.26 in your card account.


Please note that, in the normal process, if the late payment or part payment is made the Interest and Late Payment Charges are levied on a card account.

We are keen on amicably resolving the issue at our end. At this juncture we wish to inform you that the bank is keen to resolve the issue amicably, as a financial institution, we always welcome our customers to interact with our officers.

For any further assistance regarding the outstanding in your card account for amicable settlement, we request you to contact our officer at 1********47 or Email to c.l.wasan@citi.com and our Officer will be glad to assist you.

Sincerely,

S Prasad
Officer - Customer Care

1.
Wed, 02 Jun 2010  Message from iComplaints.in Helpdesk

An email communication has been sent to CITIBANK India on June 2, 2010, 12:44 am