Citibank uses unfair and fradulent aactiveties to make their consumers fool. They mislead their consumers and promise a lot but deliver nothing. I had car loan with citibank with i paid off last year. Thet lost my cheques issued to them and they charged me late fees on my cra loan account. When i contact citi they Apologized the error and promised that they will take off the late fees however they didn;t do it and reported my account as written off with late fees to CIBIL however i have paid off the account with no outstanding and citibank didn't fulfill there promise of reversing the late fees And now asking more money which is day robbery.