Charges Wrongly Levied?

Question

Dear Team, Pls note that my credit card due date was 8th dec and i had presented cheque on 5th dec in the drop box but the same was WRONGLY returned saying insufficient balance. Cheque was presented on receiving the credit msg from bank in savings account.But in the evening on 5th dec we received a msg saying cheque bounced with insufficient balance. Balance was available in the account in the afternoon, then how can the cheque get bounced. Moreover the cheque was again presented from bank's end on 7th dec and again WRONGLY it got bounced saying that insufficient balance. Upon inquiry at the bank we were told that there was a error because of chennai floods and late payment fees wont be charged. When we inquired at customer care we were informed that late payment fees is already charged. Customer will not suffer due to banks problem. You can go back and check all the old records where payment is been made on time, and all the purchases are been done from bank credit card and no other card . Kindly reverse the charges which has been wrongly levied and the same should not appear in my next statement . Below mentioned are the details Credit Card

Answer 1

Dear Maddy

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.

In view of the genuine reason of rains and floods in Chennai, the credit card issuing bank would certainly waive of the late fee, if your account contained sufficient balance to meet the cheque, when it was presented.  But you can wrong the bank, if your account did not have sufficient balance to pass the cheque.  Please get in touch with your bank to get a clarification regarding the availability of sufficient balance in the account on the day of presentation of cheque in clearing.  If your account and credit card are from the same bank, the resolution could be very easy.

RAJA