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1.75 

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Verified Member MouthShut Verified Member
Fool India
Worst Experience
May 26, 2017 04:46 PM 32229 Views

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Hi! Some years back, I got a call from Citibank offering a personal loan. I was in need of some money so I visited the bank. The executive explained us all the details of loan procedure. They were charging very high rate of interest i.e for a loan amount of Rs. 10,000, we have to pay back 15,000 something. We were not prepared to pay such a huge amount of interest, so we asked the executive, that is it possible that after some months, if we can repay the loan and close the loan account, so we don t have to pay the huge interest. the executive assured us, that if we want to repay the loan before the loan period, they will only charge the interest for the months we have used the loan amount. After lots of formalities, we got the loan after 3 days. after some months, we were in a position to repay the debt, so we contacted the Bank with the loan amount and asked them to close our loan account after deducting the interest. We were shocked when we were told that we have to pay the whole interest even if we are repaying the loan early. The executive who promised us was no more on the job. I felt so cheated, I just hate the name of Citibank. I am doing online surveys, and whenever I am asked about the experience of Citibank, I just give it zero. Just be aware and take everything in written before dealing with this Bank. I am not having any documents because it happened some years back, otherwise I would have uploaded the proof.


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