Dear Sir,
I Pradeep Kumar holding your Visa Credit Card No.5415 3823 2490 5314 from last 3-4 years and in last 8-9 months facing so many problems from only your ABN AMRO Credit Card that want to close not only your card but remaining 4 other cards which I am having. Now it create detest from inside when I got a call from any credit card representative.
Kindly spend your precious time to understand and rectify the following grievances.
1-In the first week of November I came to know by a sms followed by bank statement from your bank that you have charged Rs 168.22 on the name of Card Shield without my consent or permission and in regards of that I had send a mail on 23rd November (Refer Enclosed Mail#6) for reverting the above said Card shield amount and confirm me for the same.
On 27th November I got a reply (mail enclosed #7) from Client Response Unit stating that “We have referred the matter to our concerned department and will revert to you within the next 5 working days. You may also quote the reference number 00224893171, in case you need any further clarification on the above resolution.” Then I thought it is ok I will wait for 5 days.
Then after wait of 11 days I got a mail from Miss Meenakshi Rawat from Client Response Unit on 08th December (Refer Enclosed Mail#8) stating that “We regret that you have had reasons to be dissatisfied with your recent interaction with the Bank. We would like to inform you that the Card Shield Premium has been debited on basis your interaction with our Product team. However we have forwarded your request for the cancellation of the same to the concerned department. The same will be processed within next 10 working days. You may also quote the reference number 00226226024, in case you need any further clarification on the above resolution.”
After that in the month of December I called bank helpline 2-3 times, person attending the helpline told that your request is still in the process, till last week of December my request was in process. I don’t understand when abn amro bank 5 days will be completed from 27th November or 10 days from 8th December (refer mail of 27th November in which ABN Amro bank told that they will revert to me in 5 working days and mail of 8th December in which Miss Meenakshi Rawat Informed that your cancellation request will be processed within next 10 working days) and how Miss Meenakshi Rawat from Client Response Unit can write on basis your interaction with our Product team.
2-On 18.12.2009 at 03.00 pm, I was in a meeting with my HOD and others executive from outside then suddenly I got a sms from your bank with write-up “Dear Customer, we have received a tranx on your card xxxx5314 for INR 42300.00 on 18.12.2009.Pls call BBP for further assistance” I was shocked, immediately I said sorry to meeting members, came out from the meeting, took out my Wallet from pocket and checked that whether my card is with me or lost, it was with me safely then I called your helpline No#02266271111 then initially they said that you got wrong message after that they said that a cheque of loan has been issued today for the said amount, then I asked that whether any consent is required from the customer or not then girl on your helpline told that we don’t know about that because this is done by marketing department and when I asked for cancellation she told if you don’t want cheque then either send it back to our office or don’t accept it when courier person will deliver at your address.
On 23.12.2009 at 10.35 am I got a sms with write-up “Your Tele draft has been sent thru AWB#0406758799 .Please call OVERNITE EXPRESS on 022-26858282/83/022-26852367 to schedule delivery, if not received yet.” Then I thought that when the delivery boy will come I will refuse to accept and same thing I conveyed to my wife also.
On next day watchman of my building gave me a letter and told that one person gave me and said that our company has told us that don’t go to any house and deliver all the letter at gate when I opened it was Cheque of Loan. In that way finally without asking/without any permission/ without any consent/without any requirement, a Cheque of loan amount 42300 with rate of interest 2.16% per month was in my hand and it was written in the covering letter “This is with reference to your application requesting for loan please find attached the same payable at par” I am not able to understand the meaning of line (This is with reference to your application requesting for loan), I think only ABN AMRO Bank can understand meaning of this line, not others.
On 19th December I got an email (refer enclosed mail#1) with write-up “Thank you for your interest in the Easy Pay program. Based on your request, an amount of Rs. 42, 300.00 purchased on your ABN AMRO Bank Credit Card has been transferred to the 24 month installment Plan.” again I am not able to understand meaning of “Based on your request”. Again I think only ABN AMRO Bank can understand meaning of this line, not others.
Worrying point is that this is the second time I am facing this problem. In the month of July cheque of same amount was issued and in that regard I had written a mail on 16-07 to [email protected] and [email protected] (refer enclosed mail#2) and asked to collect the same cheque from my house and to take the action against the erring employee who are issuing cheque of loan without any consent from the customer.
On 21st July I got a reply from Mr. Rahul Bhatia (mail enclosed #3) from Client Response Unit stating that “We assure you that your feedback has been shared with the concerned unit and we will take adequate corrective measures to avoid any such recurrences. We would request you to view this incident in isolation and not representative of the services we strive to provide” And asked for physical instrument for cancellation. Then I send cancelled cheque by post and again wrote a mail on 5th August (Refer Enclosed Mail#4) regarding action taken to avoid such type of recurrence.
On 7th August I got a reply from Meenakshi Rawat client response unit of ABN Amro Bank (Refer Enclosed Mail#5) stating that “We regret that you have had reasons to be dissatisfied with your recent interaction with the Bank. We wish to confirm that your feedback has been shared with the concerned unit Manager and we assure you that corrective actions have been initiated to avoid any such recurrences”
Now can Mr. Rahul Bhatia and Miss Meenakshi Rawat clarify that when you have had initiated corrective action to avoid any such recurrence in the month of August then how it can repeat in the month of December.
(3)-On the basis of these two cases I got my monthly statement in the first week of January with details as under.
Card Shield EMI&&&&&&&&&&&&&&&165.00 Rupees
Easy Cash EMI&&&&&&&&&&&&&&&-2278.00 Rupees
Late Fee&&&&&&&&&&&&&&&&&&350.00 Rupees
Easy Pay Processing Fee&&&&&&&&&&&-841.77 Rupees
Service Tax Incl. Education Cess&&&&&&&&220.18 rupees
After 2-3 days from my statement I started getting around 8-10 call daily from ABN AMRO BANK Number (011-43136347, 011-45125719, 011-43202798 etc) up to one week asking that when are you paying our money and one day it was limit, when I asked that how much is your money, she told that it is 84, 000 (I again don’t understand that from where this figure has come), after asking details she told that detail is with marketing department, your case has come in recovery department and I am calling from recovery department, persons are calling up to last week from Delhi asking that when are you paying our money and if I am asking details of the due then not even a single person was in position to tell the details.
On 13-14th January I got a call from Bombay AMN AMRO BANK that sir when you are paying our dues, I told that I have not made any transaction on your card, can you tell me the details, Then again like previous answer she told that we don’t know the details but your due is around Rs 43000/.
On Last Saturday date 16.01.2010 time 01.30 PM, Mr. Anand from ABN AMRO bank came to my residence, when I was in my office and asked from my wife that when are you paying our money, she given a call to me, when I asked which money again he told that I don’t know the details.
IN VIEW OF THE ABOVE, MY EXPECTATION FROM YOU ARE-
(A) REVERT ALL THE CHARGES IMMEDIATELY AND INFORM ME FOR THE SAME BECAUSE I HAVE NOT DONE ANY TRANSACTION ON YOUR CARD AFTER MAY AND I HAD PAYED ALL MY DUES WELL WITHIN THE DUE DATE (ALL ARE DUE TO YOUR MESS).
(B) I DON’T EXPECT ANY CALL FROM YOUR BANK IN REGARD OF THESE DUES.
(C) STOP IMMEDIATELY THIS BHAIGIRI TO SEND MAN AT MY RESIDENCE FOR MONEY.
(D) ARRANGE TO COLLECT YOUR CHEQUE OF LOAN FROM MY RESIDENCE.
(E) INFORM ME ABOUT THE ACTION TAKEN AGAINST YOUR ERRING EMPLOYEE WHO ARE ISSUEING THE CHEQUE OF LOAN/ CHARGING CARD SHIELD PREMIUM WITHOUT TAKING PERMISSION FROM CUSTOMER (EVEN DONOT BOTHER TO CALL FOR CONSENT)
(F) PROVIDE ME CONTACT NO/EMAIL ID OF YOUR BANK PRESIDENT/VICE-PRESIDENT.
AND ONE SUGGESTION FROM MY SIDE IS THAT-
Change vision statement of your bank and paint it at every hoarding/every advertisement/at letter pad of your bank as-
“We are capable to give loan to you without your requirement and will become capable to recover the loan money without giving loan to you”
Thank you
Regards:
Pradeep Kumar Malik
Contact No.9869394924
(Enclosed Previous EMAILS)
(1) From: ABNAMRO on Sat, 19 Dec '09 @ 09:17 AM
To: [email protected]
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Dear Customer,
Thank you for your interest in the EasyPay program. Based on your request, an amount of Rs. 42, 300.00 purchased on your ABN AMRO Bank Credit Card has been transferred to the 24 month installment Plan.
In case you require any assistance, please feel free to call our 24 hour Bank by Phone Service* in your city and our executives will be glad to assist you.
We are sure that you will continue to enjoy the unique privileges and benefits of being an ABN AMRO Bank Credit Cardmember.
Assuring you of our best services always.
Warm Regards
ABN AMRO Card ‘Active Alerts’ Service
(2) "pradeep malik"
07/16 06:18 PM
Subject:
Cheque of loan
Dear Sir,
I Pradeep kumar hold your credit card No.5415382324905314.before 5-6 days
when i was checking my mail then i was surprised to see one mail from yourside
that yours 42300 Rs has been converted into EMI. since i have not done
any shopping for the above said amount then i enquired your customer care
and came to know that i had applied for loan and you are going to get the
cheque for that.
But dear sir i had not applied for any loan or not even had any conversation
with any of your representative for the same then how you can send me a
cheque of loan.
Dear sir kindly make sure before doing any such act that whether a person
to whome you are sending the cheque is interested in that.
Kindly arrange to collect the same cheque from my house and inform me that
what action you have taken against the erring employee who has done this
mess.
Thanx
Pradeep Kumar
Contact No.9869394924
(3) On Tue, 21 Jul 13:07:22 0530 wrote>
Dear Mr. Kumar,
We refer to your email dated July 16.
We thank you for taking the time to share your feedback with us. We assure you that your feedback has been shared with the concerned unit and we will take adequate corrective measures to avoid any such recurrences.
We would like to inform you that as per the process, and to avoid incorrect cancellations, we need the physical instrument along with a letter for cancellation of the same.
Our address is as follows:
Manager Customer Response Unit
ABN AMRO Bank
B-148, Sector 10
NOIDA 201 301
However, we assure you that the Easy cash
draft of Rs.42, 300.00 will be reversed post the receipt of the draft.
We would request you to view this incident in isolation and not representative
of the services we strive to provide.
We value your relationship and look forward
to your continued patronage.
You may also quote the reference number 00205475617, in case
you need any further clarification on the above resolution.
Please feel free to write back to us for any further clarifications in
this regard or call our 24-hour Bank by Phone service in your city
and our executive will be glad to assist you.
Assuring you of our best services.
Yours sincerely,
Rahul Bhatia
Client Response Unit
(4)"pradeepmalik"
08/05 11:16 AM
To:
cc:
Subject: Re: Re: Cheque of loan
Dear Sir,
This is with reference to my earlier mail and further your reply on the same reference number 00205475617, in which you had mentioned that you have shared the anomaly with the concerned unit.
sir till now i am waiting for yours corrective action and response regarding the cancellation of same cheque.
Regards:
Pradeep
(5) Subject: Re: Re: Cheque of loan
From: [email protected] on Fri, 07 Aug '09 @ 11:20 AM
To: "pradeepmalik"
Show full Headers
Dear Mr. Kumar,
We refer to your email dated August 05.
We regret that you have had reasons to be dissatisfied with your recent interaction with the Bank.
We wish to confirm that your feedback has been shared with the concerned unit Manager and we assure you that corrective actions have been initiated to avoid any such recurrences.
As mentioned in our earlier mail, we request you to send the draft number 679066 to the address mentioned below for the cancellation of the same.
Manager - Operation
Service Excellence Centre
ABN AMRO Bank
B-148, Sector 10
NOIDA–201301
We will have the draft cancelled once we receive the same at our end.
You may also quote the reference number 00208479860, in case you need any further clarification on the above resolution.
Please feel free to write back to us for any further clarifications in this regard or call our 24-hour Bank by Phone service in your city and our executive will be glad to assist you.
Assuring you of our best services.
Yours sincerely,
Meenakshi Rawat
Client Response Unit
(6)"pradeep malik"
11/22 09:49 PM To
cc
Subject Amout Charged on the name of card shield
Dear Sir,
I Pradeep kumar hold your credit card No.5415382324905314. Before 15-20 days i got a sms from your bank that your current month amount in your statement is Rs168.22. since i have not done any shopping for the above said amount then i saw my statement wherein it was mentioned that this amount is for the card shield payment.
Then i called yours helpline and asked that before charging this amount atleast your representative should call me. In that matter they shown their inability and told that we dont have any record in regard of that.then i requested them to cancel this card shield and they have lodged my complaint and said that within 48 hours you will get confirmation about that but till now i didnt get any confirmation.
Today again i have called your helpline and asked about confirmation of cancellation.they said that due to some problem from ourside it has not happened till now i am again sending a reminder it will be done in 48 hours.
But dear sir i did not applied for that nor even had any conversation with any of your Representative for the same then how you can charge the money just like that.
In the month of July you had send a cheque of loan. In that case also neither i had applied nor your representative had a talk with me.and the matter resolved after you intervene in the matter.
Sir Kindly try to cancel the above said Card shield and revert the amount you have charged and confirm me for the same.
Thanx
Pradeep Kumar
Contact No.9869394924
(8) Subject: Re: Amout Charged on the name of card shield
From: [email protected] on Tue, 08 Dec '09 @ 10:18 AM
To: "pradeep malik"
Show full Headers
Dear Mr. Kumar,
This is with reference to your email dated November 23.
We regret that you have had reasons to be dissatisfied with your recent interaction with the Bank.
We would like to inform you that the Card Shield Premium has been debited basis your interaction with our Product team.
However we have forwarded your request for the cancellation of the same to the concerned department. The same will be processed within next 10 working days.
You may also quote the reference number 00226226024, in case you need any further clarification on the above resolution.
Please feel free to write back to us for any further clarifications in this regard or call our 24-hour Bank by Phone service in your city and our executive will be glad to assist you.
Assuring you of our best services and best wishes for a fabulous year ahead.
Yours sincerely,
Meenakshi Rawat
Client Response Unit
(7) Subject: Re: Amount Charged on the name of card shield
From: [email protected] on Fri, 27 Nov '09 @ 06:12 PM
To: "pradeep malik"
Show full Headers
Dear Mr. Kumar,
This is with reference to your email dated November 22.
We have referred the matter to our concerned department and will revert to you within the next 5 working days.
You may also quote the reference number 00224893171, in case you need any further clarification on the above resolution.
Please feel free to write back to us for any further clarifications in this regard or call our 24-hour Bank by Phone service in your city and our executive will be glad to assist you.
Assuring you of our best services and best wishes for a fabulous year ahead.
Yours sincerely,
Client Response Unit
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