Fraudgery and cheating for my credit card?

Question

Bank not only suspended my card in 2014 but also suspended my reward points. I was not aware that they have done this and in nov 2014, i paid my nnual fees in full faith. Customer care also stated that once i will pay the annual fees, my reward points will be reinstated. Instead they continued to keep card suspended. In nov 2015, when i raised the issues as why i was never communicated of card being suspended, they first gave reason that it is bank's discretion. Then they gave a reason that card was not used for more than a year. I asked them as why then annual fees was charged ? They had no answer and refused to refund annual fees also. Cannot believe that they took away my ~8000 reward points, took annual fees of rs. 400 and kept my card suspended also. I want my annual fees to be returned and reward points to be re-instated.

Answer 1

Dear Rajiv

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

Please mail your complaint / grievance, as per the appended process.

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

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).  For address of the Office of the Banking Ombudsman, Area of Operation (jurisdiction) and the procedure for lodging complaint, you may access their website https://bankingombudsman.rbi.org.in/.

RAJA