Citibank is one of the worst banks I've dealt with.
Once, one of their affiliate's employees offered me a Credit Card for free and said "it had no strings attached" and I don't need to do anything to keep it alive. Thought it sounded too good to be true, I bit the bullet and signed up, right on the spot, their affiliate clothing store. Before I was about to submit my documents, it was then I happened to meet a friend by chance and he told me that I would need to purchase a minimum X amount each year mandatorily through the "free" card, failing which I would be levied drastic charges.
Shocked, I asked the affiliate's employee if it was true and he confirmed the same. I politely declined, got my papers from him, and scored the entire application paper off diagonally so that no sane company would accept it as a valid application.
However, the very next day, I get a call from one of Citibank's employees asking me to submit a photograph so that he could forward the application. I was shocked and I asked him how it was even possible to submit a scored out application. Even though I scored off the application, I hadn't scored off my other copies of proof (Driving license, etc). So the rep had cleverly filled out a fresh form just like I would have and even signed where I should have (!) and forwarded the application to the card processing department. I know this because the rep who called told me that the only thing he needed was a passport size photograph and everything else was pucca.
Shocked, I told him that I don't need the card and asked him to stop bugging me. I got routine calls from the same rep for about 3 days and also continuous text messages asking me to submit just the photograph. Heck he would have come to even my house (the address was on the proof I submitted) , he was THAT desperate.
It was then I decided that I would never ever deal with a shady company like Citibank, ever again.
So, I'm not surprised that they are actually so intrusive to even have you unsubscribe from their site. This bank is full of shit.
Its illegal but legal system is so bad that a person who openly swindled 25 billion-dollard in 5 years is going to become a ruler of a province...He will literally buy votes with the money.
Seems yes. These 'credit card' agents employed by the company are generally poor people who are trying to make ends meet (they get some nominal money on every new person signing up for a credit card), and mostly "only" get to too intrusive up to being annoying, but in this case did forgery. The bank might not have anything to do with it though.
Yes, this was in India only. But please don't mistake all of India to be the same, this was a very specific incident and a case concerning a bank with questionable ethics and it's employee, which could likely happen anywhere else in the world.
I was merely asking because this did not align with my experience of Citibank in the US, so I was wondering whether it was a foreign division of Citibank.
FWIW, I'm a Tamil-speaking Indian American. I am aware of the fact that not all of India is the same, but I think the cultural norms do have something to do with this incident.
Once, one of their affiliate's employees offered me a Credit Card for free and said "it had no strings attached" and I don't need to do anything to keep it alive. Thought it sounded too good to be true, I bit the bullet and signed up, right on the spot, their affiliate clothing store. Before I was about to submit my documents, it was then I happened to meet a friend by chance and he told me that I would need to purchase a minimum X amount each year mandatorily through the "free" card, failing which I would be levied drastic charges.
Shocked, I asked the affiliate's employee if it was true and he confirmed the same. I politely declined, got my papers from him, and scored the entire application paper off diagonally so that no sane company would accept it as a valid application.
However, the very next day, I get a call from one of Citibank's employees asking me to submit a photograph so that he could forward the application. I was shocked and I asked him how it was even possible to submit a scored out application. Even though I scored off the application, I hadn't scored off my other copies of proof (Driving license, etc). So the rep had cleverly filled out a fresh form just like I would have and even signed where I should have (!) and forwarded the application to the card processing department. I know this because the rep who called told me that the only thing he needed was a passport size photograph and everything else was pucca.
Shocked, I told him that I don't need the card and asked him to stop bugging me. I got routine calls from the same rep for about 3 days and also continuous text messages asking me to submit just the photograph. Heck he would have come to even my house (the address was on the proof I submitted) , he was THAT desperate.
It was then I decided that I would never ever deal with a shady company like Citibank, ever again.
So, I'm not surprised that they are actually so intrusive to even have you unsubscribe from their site. This bank is full of shit.