Dear Sir
As per the enclosed form, I wish to file a complaint against the credit card division of the Barclay’s Bank.
I was approached by a representative of the Barclay’s Bank for taking a credit card of the bank as the bank was offering a wide range of facilities to the esteemed customers like me. After a lot of persuasion by the representative, I agreed to take it.
I had put forward a few conditions to the representative of the bank, like free joining, no annual fee and no fee on foreign exchange transactions, as the basic purpose of me taking the card was to use it for transaction when travelling abroad. All these conditions were agreed by the representative and I was assured of this.
So I applied for the card and was issued a card “CreditCard #4339480432743241’.
I used it once, abroad and on my return paid the full transaction amount in one payment, itself. Subsequently, I found out that I have also been charged the Foreign exchange transaction charge. The bank did not inform me neither called me asking me for payment, I found out on my own. When I contacted the customer care department and brought to their notice, that I was assured of no such charge and still have been charged, I was told that the bank was sorry and the charge would be reversed with 15 days.
I contacted the customer care department, the first time on the 27th Spet ’07 and the subsequently on 6th Oct ’07, 19th Dec ’07, 28th Dec ’07 and then on 11th March ’07. All these phone calls were made by me to resolve this issue, not by the bank asking for their payment. Every time, I was assured that the matter would be resolved in 15 days and the charges would be reversed.
All these calls were recorded by the bank, they should have copy of the conversations, for my claim to be counter checked.
Since, I did not get any resolution from them, I wrote the first email to their customer care department on the 1st May ’08, (copy of the mails attached) again asking for the same resolution and this is when, for the first time, the bank came back to me telling me these charges cannot be reversed as the request has been turned down by their management. When I asked for the reason, no such reason was shared with me. When I asked to speak to a senior person, I was never directed to one. I wrote back again to the customer care department, on the 6th May ’08, telling them that this arbitrary behavior of the bank is not acceptable and demanded a resolution to my problem. I never got any response to this mail.
However, from here on, I started getting calls from the bank’s collection department / agency. Some of the callers were polite and some were downright rude and even threatening. A few time I was asked if I would meet a representative of the bank and explain the whole situation, to which I agreed. Appointments were made, however, no one ever turned out.
I would like to put this on record, that all throughout, it was me who was trying to follow up and resolve this issue, in good faith.
Now, I have recently found out that the bank has reported negative against me to “CIBIL”, which is totally wrong and unethical.
I would like to take up this matter with the bank, at the earliest and resolve this issue, so that my name can be cleared.
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