Amex credit card?

Question

I was issued an Credit Card stating a lot of benefits but non of them were received by me. Then also they charged me joining fees of approx Rs 1500/- . The Sales person told me that the card is a privileged card, but the card does not work on 99% of the outlets and also for online transactions. I had asked the customer to Cancel the card only if they refund my joining fees, but yesterday (12th Jan 2016) I received a mail stating my card has been cancelled without me giving them any confirmation. I had clearly told them that if you give me back my joining back I would want to cancel the card. But there is no confirmation for refunding the joining fees. I would want Consumer Forum to help get my joining fees back and ask compensation for all the false commitment made by bank.

 

Answer 1

Dear Shah Kunjan

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.

Do make a written complaint to the bank first and then you have the option of approaching Banking Ombudsman.  You can find contact details of Nodal Officer on the website of American Express Banking Corporation. In case you do not get desired response, please do not hesitate to write to BO. 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/.

RAJA