Sir,
Sub: Discrepancies in Credit card Statement.
Ref: Credit card # 5415-3823-XXXX-8163
With reference to the above, I would like to bring to your notice the discrepancies incorporated in my monthly Credit card Statement by ABN-AMRO Bank.
First of all, I had availed a Loan of Rs.19, 400/- on 23rd May and the EMI was set to Rs.1834/- for a period of 12 months. The monthly EMI of Rs.1834/- is clubbed in Credit card Outstanding. As per the Bank rule, a Credit card holder is supposed to pay any amount between Minimum amount due (MAD) and Total amount due (TAD). Those who opt for Revolving Credit Facility (RCF) are supposed to pay atleast MAD. My Credit card monthly MAD comprises of EMI of Rs.1834/- and 5% Credit card outstanding. Everymonth I’ve been tendering more than MAD. Moreover, I had never defaulted the monthly dues. The afore-mentioned EMI was completed in May. But the subsequent statements has been reflecting Rs.7100.87/- as dues against the afore-mentioned EMI. As I’ve effected more than MAD every month, the question of Rs.7100.87/- as dues does not arise at all. Moreover, on 09/11, the Bank has charged Rs.800/- towards Duplicate Statement Fee which I never requested for. Let me tell you that I had availed Internet Banking facility long ago. As a result, I’ve copies of past two years statements. But I don’t understand why the Bank has levied charges.
I kindly request you to look into the matter and reverse the above charges.
V.Vencut Ram
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