radha
16 October 2015 at 16:46
Dear Sir,
The details are provided hence the first post is bit lengthy. Kindly accept it for once and all.
Having explained the future posts shall be short.
The Credit Card is issued by Citi Bank India 18 years back and there is not a single default in payments. Based on the excellent history Citibank local branch sold add on card for spouse, to the customer.
Citi Bank has not been providing satisfactory services. It has not been supplying bills on time and levying charges. The courier employed by ban M/s Blue dart was hand in glove with bank and would send false information’s. It held on to renewed card with it for more than a wee k in its office and posted that on complaint posted that customer declined to receive. The street is CCTV covered and customer called the bluff of courier and bank. The bank does not act on courier for obvious reasons.
Customer has permanently blacklisted the Bluedart/DHL courier in writing to courier and bank.
The Citibank was instructed to send bills by Registered Post only. The statement is from 22nd to 21st of the moth and payment due date is changed and sometimes it is 7th sometimes some other date. In place of dispatching the bill by say 24th/25th or even 25th of the month ,the bill is dispatched at times on 7th of the next month i.e. the due date of payment.
The customer has been lodging written complaints by phone calls, in writing.
The local Citibank at place of CC holder, Regional Office at Delhi, Grievance Redressal Officer at Chennai, Principle Nodal officer (Sitaraman) , MD ( Muge Yuzuak), at Mumbai, all were approached. The in charge at Delhi one Tyagi stated that customer may speak to him and he shall resolve the problems. He was changed and then Anshu saini, Vijaylaxmi, joined in his place. Everyone cajoled the customer to not to issue any legal notice and approach court of law. But No one acted and removed the deficiency.
The customer goes to the bank and lodges complaint and get duplicate bill under protest and makes the payment before due date. The payment is debited from a/c of customer before/on due date.
Interestingly the BM and his staff when see that customer is determined they call concerned dept and give in writing that Bill is dispatched By Redg. Post on 23rd of the month. Thereafter Citibank gives in writing that customer should go to Post Office and find out why the Bill is not delivered by post office, while it is CitiBank that has to supply the POD. The Citibank supplies a screenshot (manufactured and fabricated) from its computer to claim that Bill was dispatched on 23rd. The customer has obtained written conformation from post office that Bill was dispatched from Chennai on 8th of next month and this calls the bluff and fraud.
The payment is debited from a/c of customer before/on due date.
Still CitiBank levies penal charges to the tune of 3.75%pm, and has not paid these back, despite having provided the proof of delay, and debit of payment from bank a/c on due date.
One late evening the customer due to age and darkness in ATM inserted the Citibank Credit Card instead of ATM card and withdrew cash. Later having realized, the next day customer paid the withdrawn amount to local branch of Citibank. Citibank levied amount of Rs.300+interest on it for one day usage, in its bill. The customer has never agreed for such charges and moreover the charges are more than advertised by Citibank on its website. The query was lodged in writing with BM, and BM was asked to explain how the charges are calculated but he did not and neither wrote back nor any of Citibank explained in writing and nor has refunded any amount.
The vendors of Citibank apply 2% charges on CC usage, that as per RBI guidelines can not be levied, on the contrary CitiBank employee at Delhi Anshu saini, Vijaylaxmi claimed that Citibank has the right to earn from 2% charges levied by the vendor and whole 2% or 0.5% comes to it. All of the offices of Citibank declined to refund the 2% charges.
The Citibank till date has not accrued old and new rewards points and did not supply printed details of choice of gifts, and forms to redeem the points and collect gift.It did not even allow the customer to use the computer in branch to file it from branch.
The BM and others above BM or atleast the internal ombudsman/Grievance redressal Head/Principle Nodal Officer/MD/Business Head, should have acted and terminated the employment of person that were party to such illegal acts.
On the contrary everyone became vindictive and started leveling false allegations, of derogatory and abusive language.
The customer met BM in his cabin with door closed and talked gently and each time BM would mention that other customers are getting to know of the deficiency and business shall be affected. However he did nothing to remove the deficiency.
The latest local BM has become harsh, threatening and would resort to intimidating language,-gestures (Ghoorna with anger) –staring and instructed the staff under him to not to entertain the customer and call him whenever customer comes to branch and he would dictate the staff on phone and staff would stop doing anything to attend and resolve the complaint.
Rather Citibank in highly arrogant manner wrote that there are other Credit Card issuers in market and customer may buy card from them.
The customer demanded CCTV footage with audio (Citibank has it in all offices and all calls are recorded) and affirmed in writing to pay if there any charges for it. So far Citibank has maintained studied silence on it. The customer is willing to listen verbatim and decipher meaning of each word and conclude if any derogatory and abusive language was used.
Everyone in Citibank has turned vindictive and now issued a notice that customer has been resorting to derogatory and abusive language and within next 30days the credit card shall be cancelled. About 10 days are remaining.
The cancellation of credit card on such charges shall have permanent damage to repute and credibility of the customer that has never defaulted and been believing that one day the bank shall change its ways.
Kindly suggest the bets approach.
Can customer obtain stay on Card Cancellation from consumer forum as interim relief?
Can customer obtain stay on Card Cancellation from civil court as interim relief, till suit is pending?
What all can be done by customer to defend the rights and penalize the bank, be it by consumer, civil or criminal case.
SuperNuvos
15 October 2015 at 23:29
Hello Experts,
I have a basic query about claiming dividends beyond the usual deadline of 3 months. Let me elaborate a little more:
I have dividends (cheques) that are dating back to 2012. For some reasons, I could not deposit them in 2012. These cheques are not valid beyond 3 months after the date of issue..so I am unable to deposit them now (2015).
What should I do to claim these dividends?
Vinod prajapat
14 October 2015 at 22:52
I purchased second hand medical instruments with contract and installments from a party but within somedays machines start malfunctioning and first party denied for any assistance along with first party has no information about original buyer. I have mailed 3-4 letter for help but they didn't respond. Finally i stopped the payment with iinformation and my ac had sufficient fund that time. Am i liable for 138 act?
Ajay Kumar
13 October 2015 at 15:52
Dear Sir, if dowry case is filed against a person and he wants to apply in Govt. Job or want to join in Govt. Job then he can apply or join the Govt. Job?
Bhavik
12 October 2015 at 11:45
We have file Company Summons for Directions in High Court. The order isn't uploaded yet.
Now we have prepared the Petition
Do we have to submit petition on behalf of all transferor and transferee companies
Or one petition on behalf of applicant transferee company would suffice.
Mekala
09 October 2015 at 18:46
Hello
1) Is there a minimum service required to issue the experience certificate?
2) for Non-performers whether company can terminate them without any notice and pay?
k.k.sahoo
09 October 2015 at 15:16
sub-company dose not pay my salary/bonus/leave incashment
Dear sir,i am working a pvt company two years.last three months salary may 2014 to july 2014 dose not pay.now i am case in labour court,company agree to payment three months salary and bonus.not any retrechment
and leave in cash no other benift.i am worked out station raigarh chatishgarh site.company not termineted me.if company dose not pay my salary .icome his branch office dose not sign in register,
please god suggection give me.
yours very trully
k..sahoo
harjaspreet
08 October 2015 at 12:13
CAN SECTION - 8 COMPANY BE A COMPANY LIMITED BY SHARES??
PLEASE HELP
Robiul
07 October 2015 at 15:46
Hi,
I was working for a digital media company (ABC). Under payroll of company ABC.
I got another opportunity in Company XYZ. I served 30 days’ notice period for company ABC as per my employee agreement and my employer ABC accepted my resignation.
However now my company ABC is not providing me Full and Final Settlement.
They are saying that couple of my advertiser are not paying the amount because of that they hold my F&F.
I discussed with my advertiser they said they were not happy with the campaign performance and ABC Company sent a legal notice to then.
I am suffering bcoz as a sales man I was involve. Though in my offer letter it was not mention that my salary or my F&F settlement depend on P&L for the company.
Please let me know in this case, how I should get my full and final settlement and what all options I have. It has been more than a month and I am still struggling to get my F&F settlement.
Thanks!!
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