IN THE DELHI STATE CONSUMER DISPUTES REDRESSAL COMMISSION Date of Institution: 10.06.2024 Date of Hearing: 11.11.2025 Date of Decision: 10.02.2026 FIRST APPEAL NO.-428/2024 IN THE MATTER OF MR. KAWALPREET SINGH S/O MR. PRITAM SINGH, R/O WZ – 43/2, GROUND FLOOR, GALI NO. 8, KRISHNA PARK EXTENSION, TILAK NAGAR, NEW DELHI – 110018.

PREVIOUS ADDRESS:-

19/20 B, UPPER GROUND FLOOR, TILAK NAGAR, NEW DELHI - 110018 (Through: Esteem Law Associates LLP)

...Appellant VERSUS CITIBANK N.A.

CITIBANK N.A., MAIL ROOM, ACROPOLIS, 9^TH FLOOR, NEW DOOR NO. 148 (OLD NO. 68), DR. RADHAKRISHNAN SALAI, MYLAPORE, CHENNAI – 60004.

(Through: Suri & Company, Law Firm)

…Respondent CORAM:

HON’BLE JUSTICE SANGITA DHINGRA SEHGAL (PRESIDENT)

HON’BLE MS. BIMLA KUMARI, MEMBER (FEMALE)

Present: Gurpreet Kaur, Counsel for the Appellant appeared through VC.

Akshay Kapoor , Counsel for the Respondent, Enrl No. D/967/14, Email: litigation@surico.in PER: HON’BLE JUSTICE SANGITA DHINGRA SEHGAL, PRESIDENT

JUDGMENT

1. The facts of the case as per the District Commission record are as under:

“1. According to complainant, he was a valuable customer and subscriber of the credit card services of the OP since the year 2013, but the OP has ac