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Citibank in Dubai Lied to Me About Settling My Debt

“Dear Steve,

I had a Citibank Credit Card. Last year in december, I went to their collections office in Dubai and told them that I wanted to pay off my dues and close the card for good. After taking their time, a woman came out of her cabin and told me to pay 4207 Dirhams and my card will be closed. I went to the teller and made the payment. I reiteriated that I wanted to close the card for good to which she said once I made the payment it will reflect in the system after 30 days. Now, after almost 6 months, I get a message from the Bank that I need to pay 825 Dirhams. Isnt that cheating?? I went there with good intentions and they misled me and now are asking for more money in the form of finance charges, lete payment fees etc. The collections department is non-responsive on the phone. What happens If I dont pay them the amount which they are asking for. Do I have a case?

I have paid enough to all the banks and also settled my cards with the rest of the banks after paying sums of more than 3-4 times of my actual borrowing. I am tired and want to close this chapter of banks and loans in my life.

My advice to everyone, please please stay within ur limits and spend only by debit cards or cash. Throw away your credit cards or they will haunt you later in life. Say No to Credit Crads.”

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The Answer

Cheating? Hum, interesting statement.

It sounds to me as if the account was not in fact paid off in full and closed. It might have been that a finance charge or last purchase came through after your payment date and that left the account open. Regardless, an account is not to be assumed closed. You need to check and make sure it is in fact closed.

You can check the status of the account either by receiving a final statement showing that it is closed or requesting a letter in writing that the account is no longer open.

If Citibank at the time of your payment had given you such a letter then you would have a case but as it stands now, with what you shared with me, it sounds like you need to pay the 825 Dirhams ($94).

Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.

Big Hug!

Citibank in Dubai Lied to Me About Settling My Debt
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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • Khanwiqi

    you are realy honest they local will sue us they are not good muslims even ISLAM is not giving us that kind of education what they are doing with us they are looking only their intrest and making their dollers acount they and palce in difrent countries all local banks they owned, these shamless shaikh and local should concern about us who are in globle crunch they should give us some compelcation regarding mortgages and loans if they want it is the mater of only 7 days they can call to all finanacial institution and all banks offical and they can find the solution for whom those people are stuck this bullshit crunch in dubai andf other GCC countris,
    ADVISE,as soon as posible leave this contry and never go towards GCC country again they cannot catch you except GCC country my friend have got 600,000 dha now he is enjoying in other country just change from your country your previous cell number and which you give to your bank for verification detail and if any stupid agency person will come towerds your home country just abuse them and tell them there is not your person and never disterb us again they can not do any thing and enjoy your banifets because you never did cheat this is for thier bad policies they fired us from job 4 nothing hope u got it \

  • Aquariusdxb

    Hello everyone! My suggestion to those who owe money to any local bank in Dubai and foresees that you will not be able to pay, to immediately get out of there.
    It’s a very unfair country in all ways! Dubai was build out of loans EMAAR, they owe the banks millions! But no one is taking the Sheikhs to jail. Instead they are sitting back smoking shisha and driving their show off expensive cars thanks to your sweat! If you are too honest in that country, you are being a fool. The locals are not honest. If they can, they will take the last piece of bread from the mouth of the poor man. Obviously there are some good people there too. But it is really rare to meet them.
    Just take all you can out of there as quick as possible. They cannot arrest you in any other country beyond GCC. There are many other more interesting places to live than in that old dirty desert with those corrupt thieves driving posh cars.

  • Aquariusdxb

    Hello everyone! My suggestion to those who owe money to any local bank in Dubai and foresees that you will not be able to pay, to immediately get out of there.
    It’s a very unfair country in all ways! Dubai was build out of loans EMAAR, they owe the banks millions! But no one is taking the Sheikhs to jail. Instead they are sitting back smoking shisha and driving their show off expensive cars thanks to your sweat! If you are too honest in that country, you are being a fool. The locals are not honest. If they can, they will take the last piece of bread from the mouth of the poor man. Obviously there are some good people there too. But it is really rare to meet them.
    Just take all you can out of there as quick as possible. They cannot arrest you in any other country beyond GCC. There are many other more interesting places to live than in that old dirty desert with those corrupt thieves driving posh cars.

    • Khanwiqi

      you are realy honest they local will sue us they are not good muslims even ISLAM is not giving us that kind of education what they are doing with us they are looking only their intrest and making their dollers acount they and palce in difrent countries all local banks they owned, these shamless shaikh and local should concern about us who are in globle crunch they should give us some compelcation regarding mortgages and loans if they want it is the mater of only 7 days they can call to all finanacial institution and all banks offical and they can find the solution for whom those people are stuck this bullshit crunch in dubai andf other GCC countris,
      ADVISE,as soon as posible leave this contry and never go towards GCC country again they cannot catch you except GCC country my friend have got 600,000 dha now he is enjoying in other country just change from your country your previous cell number and which you give to your bank for verification detail and if any stupid agency person will come towerds your home country just abuse them and tell them there is not your person and never disterb us again they can not do any thing and enjoy your banifets because you never did cheat this is for thier bad policies they fired us from job 4 nothing hope u got it

  • may

    I’m out of Dubai now and have 100,000 worth of debt in credit cards. How can I persuade the banks to settle my payments without interest and on discounted amounts?????

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