Credit Card -Extra charge and delay to closing card-?

Question

I have complaint to bank credit card closing before they could not closer it and make a payment on large and after some months they close card and tell to me big amount of payment I have said him to close card but they did not close this card they want unwanted charges from me
 

Answer 1

Hi, Manoj

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.

If you have requested your bank to cancel/close the credit card after full payment of all dues/spends and holding an acknowledgement, the Bank can not demand any further payment.  However, if certain dues were still to be paid and any un-billed spends remain, the bank would be levying both late fee and interest on the same.  Please get in touch with the credit card recovery team of the respective issuing bank, check the correctness of their claim / your payments & spends and then decide on appropriate course.  If you cleared all your dues prior to submitting the cancel request, the bank is not in order in calling for the payment.  If your statement is correct and the bank is still persisting on payment, you may take up the matter with their management / banking ombudsman, duly adopting the following 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)

RAJA