Citibank
Card closed and late charges despite returned statements

Dear Lakshmi,

Your statement "Consignee shifted" is wrong. The address you have is my own house and permanent address. My not being available in the house when the courier visited does not imply that the consignee has shifted. My work involves constant travel, but I keep visiting Hyderabad regularly. If I ever shift, I will intimate my change of address.

My email ID has not changed. As per your mail, you are to send me my statement in both formats. I have neither received an email bill statement nor a mail verifying with me whether I have shifted. This is clearly a lapse on your side and I am not liable for your failure. Please see my track record of timely bill payments and review the various phone transcripts with me, which you record. I am neither a defaulter nor an absconder.

I will settle my actual bill, but I will not pay any penalties or late fees. It is not the amount, but in principle I cannot pay for no fault of mine.

If you have no authority to settle this issue, please give me the mobile number and coordinates of the India head of Credit Cards Division. I will take up this matter with him.

Regards

Date: Wed, 16 Jan 14:22:27 0530
From: head.customercare@citi.com
Subject: RE: 'Citibank 018-777-992' Bill payment for my credit card

Dear Madam,

This is with reference to your e-mail dated January 13.

We wish to submit the following:

We would like to inform you that your Card Account has been registered to receive statements in both modes, namely to your mailing address and to your email address. Accordingly, we are sending both a physical copy and an e-statement to the addresses maintained in our records. However, the physical copies of the statements were returned undelivered for the reason "Consignee Shifted".

For security purposes and to prevent any fraudulent transactions, we have placed your account in a blocked status. Hence the statements for your card account were not generated and sent to you. Based on your representation, we have released the block and resent the duplicate copies of the statements for the months of August to December to the email address, and they were delivered.

We have not received any payment towards the dues on your card for a considerable period of time. As a consequence, we have closed your card with effect from December 18. To date, your card account reflects an outstanding balance of Rs. 3,868.35. We request you to make payment towards this amount.

As per the terms and conditions, if the payment towards the Total Amount Due does not reach us by the Payment Due Date, the system will automatically generate Late Payment Charges and Interest Charges. In light of the above, we regret our inability to accommodate your request for the reversal of the charge.

Please write to us for any further information or clarification that you may require in this regard.

Sincerely,

Lakshmi S
Head Customer Care - Cards

Company: Citibank
Country: USA

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