Deutsche Bank / Credit Card
Complaint against Services rendered

Dear Sir / Madam,

I had taken a credit card from Deutsche Bank with an initial credit limit of Rs. 75000 - Credit Card No: 4412841079703006. I used the credit card for a few months and paid all my bills on time. All of a sudden my credit limit was capped at Rs.11, 000. I decided to surrender my card with a last bill of amount Rs. 785 pending. So I called up the call center and asked them if I could redeem my reward points even after surrendering my card. I do not remember the exact date when this call was made as I couldn't foresee something problematic.

So I destroyed my card and when the next bill of Rs.785 with reward points of 354 points due to me, I called the call center for redeeming my points garnered. I was told that I couldn't redeem my points unless it was a minimum of 500 reward points. I quickly responded and questioned why I wasn't told about this earlier. The executive apologised but said I still couldn't redeem my points.

Initially I refused to pay up out of utter disgust for the kind of services rendered. Then I paid up an amount of Rs.431 ((785 - 354) Total amount due - no of points earned).

In the interim I had communicated to the bank repeatedly regarding this; there was no resolution. In stead they gave me replies that

- I had placed no request for redemption that is why I wasn't informed.

This is true that I had placed no request for redemption but I had queried whether I would have no issues in redeeming my reward points. The executive replied that I wouldnt have any difficulties.

- Later I was told that I should have gone through the detailed pamphlets that were sent with the Credit Card.

If that was the case then there would be no requirement for a call center with executives entertaining such requests.

And now I have recovery agents of the bank calling me, who have no knowledge of the background of this case as I guess repeated communication (email) to the bank was not recorded. I have received at least 4 or 5 such calls. And most of the time the executive mentions that they would check the details of the case and get back, which happened only once. And all she said was that my charges were reversed as requested. That was never my complaint.

The initial amount here due was Rs. 354 which I strongly believe is not a huge insurmountable figure for me to pay up. But I did this as

a) When it comes to sourcing a credit card they go all out to harass the prospect just to get a customer for the bank through their hired executives.

b) But when it comes resolving issues like mine mentioned above there is no customer facing representative to resolve the case of the customer.

As a customer I do not deserve this. I hereby request for a immediate and final resolution of this case!

Company: Deutsche Bank / Credit Card
Country: India

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