It has also been asked to delete the name of the complainant from the list of defaulters of the Credit Rating Agencies and to not to charge any outstanding dues.

Sanjeev Mehan, a resident of Sector 22, stated in his complaint that he availed of credit in January 2000.

Despite clearing all the monthly bills in time, in August 2000, Mehan received an account statement pertaining to a transaction for July, which he said he never made. Wrong entries were debited in the subsequent months as well, he added.

Mehan then wrote a letter requesting the bank to remove the said entries but the process continued for September.

Harassed, he asked the company to reverse the wrong debit entries and to cancel his credit card. Mehan said he stopped using his card afterwards.

In 2007, the complainant started receiving calls from the bank asking him to pay Rs 55,000 against the dues of the credit card.

Despite asking for details, the company did not sent him a list and instead, in December 2007, Mehan said he received threatening calls from the bank and his name was put in the list of defaulters.

In its reply, Citibank stated that the complainant had been asked to fill a Customer Declaration Form along with the reverse copy of his credit card and to send them for verification.

It claimed that the dues against the complainant still subsisted and that no threatening calls were made to him.

The forum found that except the account statement, nothing else was placed on record by the company to prove that there was any outstanding amount against him.