Credit Card irritable undue follow ups and false assurances by customer care?

Question

There are more than 25 talks in customer care about O/S payment which is never paid to me. Rs. 14000 Cheque is said to be provided to me which I never recd and now follow ups and calls and interest added statements months after months despite all the promises that nothing will be asked and issue close in 48 hours as standard reply including your recovery dept. I closed the card after confirmation from recovery and follow up dept and once confirmed I cut and throw the card. It is very ugly of your bank to ask without even verifying the facts that no cheque is cleared in my a/c and finally threatening letter comes from you dated 22 sept 15 from Madhu Nair. Please Better check your ends first before asking any amount now onwards and stop harassing me failing which I shall be forced to take action and publish against your bank in media. Let us not waste time on papers.Verify foirst in details. I am clear that no money is due in my name. I use other cards for years with huge transactions and never faced any such cheap service like yours. I believe I was right to cancel your card with hopeless and paining end. Please confirm back as i now shifted to Africa. It is my decency that i informed personally before leaving the country and even now interacting . Please close the matter as not even a penny will be paid which is not due to me. thanks and regards Kapil k birla

 

Answer 1

Mr Kapil,

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.

It appears from your complain that you agreed to avail Rs 14000/- as pre-approved loan against your credit card limit but you never received the loan cheque even after a lot of follow up with Customer Care. The cheque must be outstanding in the Books of the Bank as unpaid. You defaced the credit card issued to you after getting oral confirmation from the customer care that there is nothing outstanding on your credit card. Now the Bank is following up for recovery of Rs 14,000/- plus interest and other charges. You may escalate this issue to the nodal officer - grievances whose coordinates (contact) would be available on the Bank's website. If you do not get satisfactory response from nodal officer within a reasonable period, you may approach Banking Ombudsman for resolution.

As a matter of abundant precaution, I would like to advise you that if the matter of outstanding dues is reported to CIBIL by the Bank, you credit score might get affected for future loan/credit card applications.

Regards

Deepak