The Worst Bank Ever. Review on Citibank

This is one bank that sucks in every way. More like you chose one of their service and they'll prove how good they are at messing it all up. I opened an account with them a year ago, when two of their representatives were there to assist you with filling up the forms. I asked the guy that I need a basic debit card no fancy stuff when he suggested a choice, next thing you know I get a Indian Oil card with no PIN number.

After calling Citibank they said that I'll still be charged a fee for the card but I can switch over to a basic card at no cost, this would be an ATM card. I accepted that. Well for the first card I got no PIN where as for the second card I only got the PIN. After regular calling and one year down the line I still have no card or PIN for that account. I stopped using the account.

Now about 3 months ago my employer uses Citibank for salary credit, so I had to get another account with them, I was so hoping that this should not be the same experience I had earlier. But Citibank proved it self once again, this time with my credit card. They stop sending me statements in mail, instead they email it to me. When I realized the change I saw a high balance.

Once I made the payment I realized my card was blocked due to non-payment. I call them up to find out what was going on, so they tell me once I clear the balance my account would be active again, sure enough once I made the full payment the card was active, However, for Citibank only to put all kinds of charges onto my account. I could still not use it. They charged me Rs. 3000 over the limit for some charges. I told them that I need a decent credit limit since the current limit does not cover much and I end up making payments to use it the second time, so they asked me to fax some documents over to them. I tried to fax them for over a month, trust me, I tried, early morning, afternoon, evening, nights, I mean 2 am 5 am but every time I got a busy tone. So I finally send the documents with courier. I have a confirmation of the delivery but Citibank says they never received the documents.

Now is this a bank or a bunch of idiots who have no clue of what the hell they are doing. I only wish they could be kicked of India. I mean India already has a lot of screwed companies and you would expect such service from a foreign company almost not, but here they are proving you all wrong to their best. God! I wish I could close my accounts with them and my employer would credit my salary in a different account.