I would like to state you the following matters relating to Deutsche Bank India Credit Card and urge you to help me to get rid of this situation. Till recently I have been holding a Gold Credit Card No. 5268-6102-6647-1012 issued by Deutsche Bank India. As I had decided to cancel the above card I paid Rs.7420.00 on 21-02 (21st February) in cash in Deutsche Bank, Shakespear Sarani Branch, Kolkata against the total outstanding amount of Rs.7418.20 as shown in the card statement of February (the copy of the statement attached). I paid the amount in cash within due date as late payment fee will be imposed after due date or last date, which was 23-02 (23rd February) as mentioned in the statement. I am enclosing the cash receipt of the bank from which you will understand and can verify that I have paid the full outstanding amount in cash within due date to settle my card outstanding dues.
The problem was started when I requested the bank’s customer care executive to cancel my card and informed him over telephone that my outstanding dues were cleared. So long I was charging my card and paying my monthly dues they did not say me anything. But now they are demanding a huge fictitious amount as late payment fee. I asked them how late payment fee can be charged by the bank when I paid my full outstanding amount in cash before due date in Feb. and did not charged my card after that. I explained them that if any late payment fee would have been chargeable for late clearance of my cheque that might have happened before February when I paid my dues by cheque and that also must have been included in the total outstanding amount shown in the statement of Feb.’09 as per rule. Without getting suitable argument in support of their demand the bank now states that the cash payment for credit card at bank’s branch has been made chargeable recently and non-payment of that charge has generated this outstanding amount. Though in the Payment Option section of the bank’s website it has been stated that credit card payments can be made through any of their branches.
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