I always stand up for what I believe in and what is right even if it means standing alone...In life standing up for your rights is never easy but it is very important to embark on this Long and difficult path to enforce and protect your individual and consumer rights.We all must be aware of our rights.In exercising our rights are we truly free individuals.

I have won many long customer battles against Banks,Phone Companies, Airlines, Electronics Companies etc. I have devoted time and energy to demand positive resolutions for myself and people around me. I hate it when one is denied what every customer has a right to...and that is when I find it important to address it and complain about it. I know it takes time to escalate matters but somehow I prefer to address it no matter what. Having lived in America for sometime, I give a lot of importance to Individual Rights.

It is my nephew who inspired me to write this blog. He felt the importance of his rights and the need to address this subject in a blog very early in age when he was unhappy with the services of a certain Airline. It was then that he suggested that I should write a blog concerning such matters too.

Everyone has certain rights but we are usually not informed about them or do not exercise them. We have a right to be heard...and we must never forget that. There is One Right for All and None should be discriminated. One has the right to question and a right to information. With growing middle class touch 400 million and consumerism, Indian Companies need to become responsive to Consumer complaints and grievances. Ignoring such complaints could lead to big financial losses for the company on consumer complaints being upheld by Consumer Courts.

In this blog, I would like us to share our knowledge about how best to address our complaints effectively as a customer or consumer. It is also important to inform people about the poor customer services provided by reputed brand names. But I would also like to hi-light the names of companies and brands who have co-operated with customers and given positive responses. Please do share your experiences too.

You do not win every battle in life but you learn lessons from it and hopefully live to win it some day. Through this blog ,I would like to inspire people to stand up for their rights and if needed fight for it but the fight for your rights has to be fair and honest. I aim to create a direction and awareness for people who are not given their due rights as an individual first and then as a consumer. There are always solutions and there are way to reach those solutions or alternatives as customers through proper channels.

Whenever you have been able to get your rights heard, you should generously share that knowledge as how best to achieve that so that others could follow that too. Pay it forward ! We should share knowledge and in doing so we will learn more from each other. Alone you can stand up for your rights but with people behind you and with you , there will be more force in it and consumers and customers will not be taken for granted. United we stand in getting value for our hard earned money...United we stand in ensuring we get good customer service.

When there is a will there is a way. When you stand up for your rights and for others , somebody will listen to you sooner or later. Your voice will be heard ! But for that you have to speak out ! Silence can sometimes be mistaken as weakness or indifference. Always know your rights and request for those rights to be implemented but if they are not then demand that justice be served.


Always stand up for your rights...

Consumer Rights Consumer Might !

" Sadaa Haq Aithe Rakh ! "

"Manzil mushkil to Kya... Humhe to us rah par chalna hi hai..."


Wednesday, October 3, 2018

Citibank's Disputed Transactions Dept. - Rigid approach has no value for Truth !


As I have been saying, the truth never works with Citibank U.S. ! In a matter of disputed transactions, it never pays to tell them the truth by saying that the credit card or debit card was in your possession at the time. They might reimburse money to you in a situation of identity theft, scam or fraudulent transaction ONLY if you claim even if falsely that the debit or credit card was not in your possession. They do not want to hear beyond that because they do not have time or patience to treat each case differently or consider exceptions where the fraudulent transaction may involve other serious circumstances.
They do not even want to consider cases where a case is a combination of identity theft and scam.  Basically they just do not want to put an effort into investigating cases. Also however fast you may be in reporting a fraudulent activity or dispute a transaction, their delayed action will cost you. They will make you wait endlessly anywhere between 45 minutes to around an hour and a half specially in the evenings to connect you to the Disputes Dept. to report fraud and scam concerning the account or transaction. They will not even try to help you in blocking a transaction even if it is in pending mode.There is lack of co-ordination between their departments too. Sometimes one department of the bank closes a matter even before a case manager can address it or research on it.
Always be prepared that Citibank U.S will not provide you immediate cash assistance even though provisional in times of loss of money. They are not reliable when it comes to that kind of immediate support which other banks may provide in these situations. Citibank U.S will never demonstrate sensitivity to you in times of emergency where your account may be affected due to identity theft. In general Citibank as a bank anywhere has a very rigid and insensitive approach towards it's customers.  And their rigidity and arrogance reflects in the tone and attitude of their representatives and staff too. Therefore think twice before banking with them ! 
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