Seems yes. These 'credit card' agents employed by the company are generally poor people who are trying to make ends meet (they get some nominal money on every new person signing up for a credit card), and mostly "only" get to too intrusive up to being annoying, but in this case did forgery. The bank might not have anything to do with it though.

The person bugging me was actually the Citibank employee, not the affiliate store staff, thus has a lot to do with Citibank.

Yes, this was in India only. But please don't mistake all of India to be the same, this was a very specific incident and a case concerning a bank with questionable ethics and it's employee, which could likely happen anywhere else in the world.

I was merely asking because this did not align with my experience of Citibank in the US, so I was wondering whether it was a foreign division of Citibank.

FWIW, I'm a Tamil-speaking Indian American. I am aware of the fact that not all of India is the same, but I think the cultural norms do have something to do with this incident.

Agreed.