Credit card joining payment taken and card cancelled?

Question

Credit card has taken joining fees of Rs.1000/- plus tax for Coral card  This is an new curd provided by as an upgrade service to my old card While customer care made me go for the up gradation of my old card with more features, they confirmed the same without any additional charges. But when the statement was received the joining fee was added to the statement. I had requested the customer care to relive me the joining fees, but they did not. Where else they converted my payback amount and got their payment. But without authorization they have cancelled the Coral card. This is a fraud and needs to be addressed.

 

Answer 1

Hi Roy,

If you received a call from the customer care department and were assured about no charge, the telephonic conversation will be available as it is recorded. Demand for the taped conversation by following the below steps :-

1.    Go to your Bank’s website and search for grievance redressal (or similar name) button and submit your complaint online furnishing the details.

2.    If you do not receive any reply / satisfactory reply within 10 days, lodge your complaint with the Nodal officer of the Bank (either through email or letter)

3.    If you do not receive any reply / satisfactory reply within 10 days from the Nodal officer, lodge your complaint with the Principal Nodal officer of the Bank (either through email or letter)

4.     If you are still not satisfied with the reply / do not receive reply from the Principal Nodal officer within 10 days, lodge your complaint with the Banking Ombudsman (either through letter or email)