Sub: - Outstanding of Credit Card No. 4346 7710 0774 5525
Sir,
This is to inform you that the credit card was issued on the condition that no membership fees will be levied but the same is being charged.
Further I had used card up to 24.12.2005 against which no bill had been received from the bank. I had made a call to know the outstanding and confirmed the outstanding Rs. 399.50 and I had made the payment of Rs.400/- within the due date.
After that I had not received any statement / call from bank side about the outstanding. Suddenly I received the call after 3 years in the month of March’08 about the outstanding of Rs.3399.67. I shocked and tell him for sending the statement after getting the statement, I observed that only Rs.28.77 is a outstanding against the old purchase which has also not been inform to me timely.
I am submitting the break-up of outstanding with effect from 15.02.2006 to 15.01.2008 as per bank statement.
Date Particulars Debit Credit Balance
15.02.06 Opening balance 28.77 28.77
15.02.06 Membership Fees 785.68 814.45
15.08.06 to15.09.06 Late Fee 785.68 1600.13
15.08.0615.09.06 Finance Chgs. 21.42 1621.55
15.10.06 Membership, Late Fees and Finance chgs. Reversed By Bank 1592.78 28.77
15.07.07 Membership Fee 786.52 815.29
15.08.07 to 15.01.08 Late fees 2391.78 3207.07
15.08.07 to 15.01.08 Finance Chgs. 213.52 3420.59
15.01.08 Late Fees Reversed 20.92 3399.67
You will observe from the above statement that the membership and late fee was debited in the period 15.02.06 to 15.09.06 Rs.1592.78 and same was reversed on 15.10.06 again Bank have debited membership fees, late fees and finance chgs. Rs.3370.90.
Bank are charging membership fees without my consent and charging the late fee and finance charges on their fees and even not informing timely.
Further I have been receiving the regular calls from bank since march-08 and explained the matter minimum 5 to 6 persons of the bank. Nobody is ready to resolve the matter. You are requested kindly look into the matter and resolve this matter as early as possible.
Yours truly,
Ashwani Kumar
9810086067
CC: 1. Reserve Bank of India (Grievances Department)
2. Joint Secretary (Banking) Director of Public Grievances.(M.O.F)
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