|Posted by||Cheryl Chapman |
|Organization / Product Details|
|Organization e-Mailfirstname.lastname@example.org / email@example.com |
|Warranty Status||Do not know.|
|Reason for Complaint||Customer Service |
|Complaint Rating||10(in a scale of 1 to 10)|
|Name of the Company Employee||Citi Financial , koramangala Blore |
Cheryl Chapman, had taken a loan for Rs 50,000 from Citi Financial on being promised that my ineterest rate will be 19% and My Monthly EMI Rs 2250 per month through ECS (Citibank) for two years only.
Four months ago When I visited the Koramangala branch the lady at the counter on checking my details said that my APR was 29.9% instead of 19% and that the loan was not for 2 years but 3.On asking her for my loan payment form, she asked me to pay Rs.245 and send a mail to the head office for the same. I agreed ..after which I stated that they have cheated me as the APR and term was supposed to be 19% and 2 years respectively.She denied and stated that they had my signature proof on the 29.99% document which was not disclosed to me on 4 of the occasions that I confirmed my APR from Mr.Sridhar/Shashidhar (the loan agent who collected my documents & tortured my life for my signatures) and nor did the Manager approving the loan disclose the same to me....
I was not in town for the last 2.5 months, and Citibank (my salary account , ECS account) had closed my account for which I am yet to check the reason.Hence payments have not been made for the last two months. when i call the bank for the first time they answered my call but later i have been calling this num 080-64528732 they put some songs and unwanted adds and later the phone rings and disconnects your customer service S....
I state that I have been cheated & misled by both the Citifinacial manager and the representatives that I have dealed with... I do not wish to pay the amount that I would never have taken if only I had known then..For the records my payments have almost been made on time assuming I never had this problem......
I, hence request the people incharge to look into the same and help me as I have already started receiving threathings & warnings by Mr.ramesh (collection officer) at my residence...and he has ill treated my family members as well...!! and they had been only once to my place when i was out of station but the collection officer abused and ill treated my family members i will definately move case and i will make sure the bank and officers are in a bad trouble i will sue them very soon if no one is serious about this .......
Please help!!.....if this is not taken seriously than i would take next action against your bank
People Be Carefull If u Have a Loan With This Bank PleaseMake sure That u are not been cheated .............................
|Solution of your complaint||The bank has cheated me i think they are cheating a lot of customers i was informed that my intrest rate will be 19 and for 2 years would be the tenure but now they are telling me that 3 yrs and 29% i will not pay any amount to the bank since they are cheated me i will move this case to the ...................................if no action is taken immediately |
|Action||Customers are simply helpless... but i will definitely move to consumer court.... and sue them for .........they have to regret for this if no action is taken in immediate effect |