Repeated and abusive calls from bank credit card department for delay in credit card payment by 9 days?

Question

I have owned the credit card since 2010. My credit card bill of some 20000 was due on the 10th of nov I was unable to make the payment due to the festive season and also being out of town for work. Now this week I have received not less than 10 calls everyday. The calls come at any time. I am unable to attend my meetings. If I cut the call, they call repeatedly till I pick up. If I block the no I start getting calls from other no. I have told them nicely and then later in anger that I will be making the payment soon but this doesnt seem to be enough. They use abusive and derogatory language. And humiliate you to the extent that no human should be humiliated. I wish to now have no association with bank Despite the fact that I have repeated investment in the bank, such behaviour is just unforgivable. Make sure you deal with a better bank when you take a credit card etc. because even 5 years of no delay in cc payment wont help. Disgusting!

 

Answer 1

Hi Shubhra,

 

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 complain/query/grievance in respect of financial services. This site does not belong to any Bank or a regulator, which may please be noted.

You have expressed strong disapproval of the manner in which the bank has hounded you for recovery of your credit card dues. You are justified to do so. But, to be fair to yourself and to the bank, you must take up with  the Nodal Officer of the bank through email of letter, with a request to take corrective action. I would not suggest snapping your 5 year relationship with the bank, without giving an opportunity to the bank in the above manner. You can find out the details of the Nodal Officer from the bank’s website.

If the bank is unapologetic, you may not stop with curtailing  your dealings with the bank but spare time to bring the episode to notice of the  Banking Ombudsman seeking suitable direction to the bank. For address of the Office of the Banking Ombudsman, Area of Operation (jurisdiction) and the procedure for lodging complaint, you may access the website https://bankingombudsman.rbi.org.in/

 

Regards

 

J R Mohandas