Dear Sir/Madam,
On 20th June my ABN Amro (now RBS Bank) credit card # 5415 3823 0926 9363 was charged Rs. 4000 against "One for Free" scheme without my consent, and the scheme was not availed by me. After receiving the statement, I lodged a complaint with the ABN Amro Bank on 27th July (Complaint # 85486529) stating that Rs. 4000 be credited back to my a/c immediately as I had not given consent for enrolling in the above scheme. Thereafter I paid my regular outstanding in the next statement too. After 2 statement cycle and no. of follow-ups, Rs.1500 was credited back to my a/c on 8th Aug'10. Since the total amount was not reversed, the total outstanding went up with each billing statement with the late fee, finance charges, etc. and since I had immediately stopped using the card after Rs 4000 was charged on 20th Jun'07, I had confirmed to the bank officials that I'll not be paying any amount arising out of the non-reversal of the Rs.4000 charged against the above scheme, which was not availed by me.
To my dismay, instead of reversing all my undue charges, the bank has put my case in CIBIL due to which I have suffered quite a few rejections for new credit card and loan applications in the last 4 years. I request RBI to take appropriate action against the bank and correct my credit rating immediately. Also due compensation be awarded to me as it has led to mental agony and trouble in getting my recent car loan.
Finally, the bank had come up with a settlement plan and requested me to pay Rs.1000 to clear the account, which I didn’t accept as I was at no fault anytime and had not availed or accepted the scheme.
I am attaching all the relevant statements for your reference.
Request please arrange to take appropriate action against so that my credit rating is corrected.
Best Regards
Mahendra Jain
Cell # 9820907718
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