Apr 24, 2008 11:10 AM
7208 Views
Well, here is what Citibank Credit Card folks did to one of friends recently. I present the complete unedited list of emails exchanged between my friend and citibank. Just read through to understand the mental torture my friend has gone through.
He finally got completely frustrated and wrote to the RBI credit card grievence cell - at email address: bomumbai@rbi.org.in. He is still waiting for a reply from RBI.
Read the chain of emails below from bottom to top:
From: Shireesh Indurkar
Date: Apr 23, 2008 5:42 PM
Subject: Grievance regarding Citibank Credit Card
To: bomumbai@rbi.org.in
Dear Smt. Surekha Marandi,
Further to the email I had sent to you regarding my grievance regarding Citibank credit card, I received a reply from Citibank as attached below.
Here they state that my credit history would be spoilt and the same would be circulated to all the banks under the Credit Information Companies(Regulation) Act, 2005.
I wish to state some points in my defence.
1) I was not an employee of Mahindra British Telecom at the said date of the delivery of the credit card. In fact I quit the services to Mahindra British Telecom around September 2001. I do not remember the exact date and month but I do have the relieving letter issued by Mahindra British Telecom. Hence, it is clear that I have not received this card at all!
2) I can ask Citibank to issue me the original transaction slip for Rs.500/- at M/s Hotel Sai Pooja with my signature on it because I am sure I have not done this transaction.
3) I still refute the statement made by Citibank that a credit card delivered at the company address and not being handed over to the concerned individual is as per law.
4) They claim that an add-on card in the name of Mr.Bahutule was issued on this card. I do not have anybody known to me by this name.
Infact I hold another banks credit card and have been making regular payments.
But this threat of blacklisting me for no fault of mine is a very big concern to me.
Please help me in this regard as I do not wish to have my name blacklisted for no fault of mine.
I hope a neutral body like RBI would intervene and do justice.
Waiting in anticipation
Regards
Shireesh Indurkar
09820625366
from Indiacollectionsgrievancehead to Shireesh Indurkar
cc "gcbincollectionsgrievance@imcnam.ssmb.com"
date Apr 23, 2008 3:24 PM
subject RE:'Citibank=007-297-425' Fwd: Grievance regarding Credit Card
mailed-by citi.com
Dear Mr. Indurkar,
Thank you for writing to us and for sparing time when our officer called you to address the matter and for your patient and benign audience.
We would like to clarify that your renewed card ending 0006 was despatched on 27-07-2006 to your below mentioned official address vide AWB # L85934013
and the same was delivered on 31-07-2006 around 10:25 AM with a company seal on the receiving.
MAHINDRA BRITISH TELECOM
OBEROI ESTATE GARDEN
6TH FLOOR ANDHERI EAST
NEAR CHANDIVALI STUDIO
MUMBAI 400069
We wish to confirm that there is a outstanding of Rs 7922.02 on your card ending
0006 as per April 2008 statement. We would like to clarify that there is a retail
purchase of Rs 500.00 incurred on 27-09-2006 towards M/S Hotel Sai Pooja which is still unpaid on your card ending 0006. The details of the transaction are enclosed in the text file(Charge Details.Txt) for your reference. As payments on your card account were overdue since November 2006, you were levied with late payment charges & service charges every month.
As an endeavor to resolve the matter to your satisfaction, we request you to effect payment for the principal purchase of Rs 500.00 against the total o/s of Rs 7922.02 on your card ending 0006.
Post clearance of the above mentioned payment, the balance outstanding on the card account would be reversed within 30 days and a final statement will be sent to you with NIL balance. On clearance of the payment, we shall also be removing your name from CIBIL & Inter-Banks negative lists which is shared by all the banks, authorised by the RBI under the Credit Information Companies(Regulation) Act, 2005.
We would request you to give us a confirmation on mail so that we can proceed with the necessary formalities and close the matter once for all.
We wish to help you to improve your credit record reported in the Bureau & save
yourself of the inconveniences arising out of your past payment record.
Best Regards
Sushil
(On behalf of India Collections Grievance Head)
From: Shireesh Indurkar
Date: Apr 22, 2008 4:01 PM
Subject: Grievance regarding Citibank Credit Card
To: bomumbai@rbi.org.in
Dear Smt. Surekha Marandi,
I am a very aggrieved person and wish to state my grievance.
My case involves Citibank and its credit card.
For the last 2 years, on and off, I have been getting calls asking for payments for a credit card issued to me by the said bank. The problem is that I have never received any citibank credit card. For that matter, I have never applied for a citibank credit card.
I have taken up this issue with Citibank and the below email will state the entire problem in detail.
What I want to highlight is that post this email, I have been contacted by Ms.Arti and have been requested by her to pay the principal amount and that the interest amount would be written off.
Citibank claims to have given the credit card at my previous companies reception and says that this is as per the policy guidelines when the delivery address is a company address.
I feel this is wrong and being a individual card and not a corporate card should be handed over to the individual with proper acknowledgement.
I have also asked them to show me proof of the application form of having applied for such a card, to which they plead innocence saying that it would be a very old record and details would not be available.
Please help. I feel I am being cheated if I have to pay even a single rupee. On the contrary, Citibank should be paying me for mental harassment.
Waiting in anticipation
Shireesh Indurkar
