Citibank sent me a card without applying and some 5 years ago as I had a salary account with them with a credit limit of Rs.10000. I used it couple of times and paid some partial amount and after which I lost the card and asked Citibank to close the account and let me know the amount. In between my address got changed and when I called them after 3 months, thy said I'vebalance of Rs12000. When asked how come they said because I have been charge late payment fee of Rs750 thrice and interest, initial amount was around Rs.3800.. I kept on asking them this is not possible but they didn't listen.. Recently I got to know that they have blacklisted me on some portal where banks check credit history because I haven't paid Rs.49000 dues.. I was shocked and don't know what to do, when called Citi they transferred my call to another department and as per the recovery manager they have filed a case against me in court as well and I've to pay to clear the case as well my name from that portal..
Can anybody suggest what should I do in this case?
