Cheated by Bank?

Question

I am a  customer since last 4 years. But now I am suffering & regretting my decision to have a credit card.I always paid my due on time but this time somehow I miscalculate my balance and paid only 50 rs less. I need to pay 67, 384 but paid 67, 330 only and as a result bank imposed me 2000 rs fine. This happened second time but this time I decided to fight for this injustice and will go to consumer court if required. On the top of that your customer support is rude Abhishek

 

Answer 1

Mr Abhishek,

At the outset, let me clarify that this site is designed by a group of Senior Banking Professionals to assist Bank Customers at large to provide guidance for resolution of any query / complaint / grievance in respect of financial services.  This site does not belong to any Bank or a Regulator, which may please be noted.

As regards overcharging your credit card account, you may speak to Customer Care for resolution of the issue, stating that an amount of Rs 2000/- can not be charged for an outstanding of Rs 50/-. You may also explain the past history of regular payment. In case charges are not reversed, you may escalate the issue to the nodal officer - grievances whose coordinates (contact) would be available on the Bank's website. As a last resort, you may approach Banking Ombudsman/Consumer Forum for resolution of the issue.

Regards

Deepak