There is nothing wrong in visiting a nearby Kotak Mahindra Bank branch to know and understand what they want to say about the old outstandings of Citi Bank. You can also approach CIBIL, one of the credit score companies, for getting a report and seek their help in getting your grievance solved. Please, however, note that everything depends upon my first question. It is also possible to approach the RBI Ombudsman to resolve the issue. Kindly check this article for more details - https://www.moneylife.in/article/how-to-register-a-complaint-against-your-bank-with-the-banking-ombudsman/62102.html
You may approach us for further assistance, once you do as advised.
Sucheta Dalal Trustee - Moneylife Foundation
Abhay Datar Abhay Datar is a consumer activist. After working at Bank of Baroda for about 29 years, he retired as IT Manager. After retirement, Mr Datar joined Consumer Guidance Cell of Mumbai Grahak Panchayat (MGP) in 2008 and solved many cases related to banking including online fraudulent transactions, misuse of credit cards and ATM cards. Also handled cases related with mobile banking frauds and mediclaim. He was a Member of the Managing Committee of MGP till March 2021.
Suresh Prabhu Mr Prabhu retired as Senior Vice President from HDFC Bank
R Bhuvaneswari After serving Bank of Baroda for almost 40 years, Ms Bhuvaneshwari retired as Chief Manager in 2013.
Yogesh Sapkale Yogesh Sapkale is Deputy Editor of Moneylife and writes on finance, credit related issues