Coral credit card complaints?

Question

Dear credit card Team This is with reference to the Coral Credit Card I would like to bring it to your kind attention that earlier i was employee of bank . I had taken this card in the months of march 2014 and issued by panvel branch located at navi Mumbai.They had committed to me It is free card for employee and would not charges any fees for life time even in future weather you are in bank or not so that on this condition respective person has taken all the related documents like my 3 month salary slip, id card, id and address proof like that. My issue is that I had never used this card and not made any single transaction from this card whereas in the month of April 2015, bank had charged annual fees of Ra 500 for which, they had not intimated me regarding this charges so that i was not aware about the charges. over the last 6 month, bank has been charging unnecessarily penalty, service tax, audit debit return fee on this charges, On inquiring, I found that total over dues amount continuously increasing and that is ridiculous ! While i had not using this card and there is no amount overdue in my account, I didn't expect this this kind of charges from Bank employee . Kindly, discard these kind of charges CORAL Credit Card Kindly look into this issue and reply at the earliest with a Positive Note.I shall be thankful to you for this Regards

Answer 1

Dear Himanshu

Being an employee of a card issuing bank at one point of time, would not entitle you to get the credit card 'Free', unless the bank categorizes it so.  I'm sure, the sales staff gave you a false assurance.  If you have not really made use of the credit card at any point in time so far, you can very well ask the bank to reverse all the charges, cancel the card and close your card account.  The bank is not in order in levying various charges, when the card was never used by you.  

Please follow the following process to make a complain for a quick resolution.

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