1. Please note that In February I wrote to ABN amro to close my credit card account because I had got a job in Mussoorie and ABN did neither had a branch in Mussoorie nor in Dehradun (capital city nearby). Please see Email 1 appended below.
2. After having sent several mails (Reminders appended below Email 1), they finally replied me saying that I should call their Delhi customer care number which was not practically possible, because I can not hold on infinitely on an STD line. Then they called me on my new number and tried to convince me to stick to their card and I clearly explained them that it was not possible for me as they do not have branch in the city I am working now. Reply from ABN is pasted just below reminder I sent to them.
3. Then I got my statement in which they charged me with a late fee for Rs. 500/- and also charges for some CREDIT SHIELD which I had never applied for. I was not responsible for the delay in making payment but its ABN that have made all the delays. I requested customer care to reverse this late fee. Email 2 appended and reminders too.
4. Now I take leave from my office and come to Delhi to settle this issue and after various discussion I was asked to make a payment of Rs. 7720/-. Email Receipt of that payment is pasted as Email 3,
5. And after settling the whole issue I receive a statement next month according to which I still owe Rs. 5000/- to ABN. I again wrote to customer care and Email 4 for which is pasted below.
6. I even wrote to Consumer Forum regarding this whole issue and harassment I had gone through all this time Email 5 pasted for your information. Also pasted is reply from customer care.
7. Email 6 of September is self explanatory and shows my frustration clearly that despite following up so much I never got a proper assistance from your customer care. I did not received the NO DUE CERTIFICATE and then I gave up sending reminders. And these are not full mails. I had sent hundreds of reminders other than these and I can send them as well for your reference if you want to.
8. There was a complete silence of 2 years in between. No communication from the bank at all.
9. Now finally when I came back to Delhi I thought of contacting you once again and sent you my final mail pasted at the last.
10. The most shocking of all is that on Friday, November 14, I got a call from RBI ConsumerEX division called me and said that ABN has sent my name for DEFAULTER’S LIST. I just don’t know how to deal with this now. I need your assistance please.
Thanks,
Sareena
EMAIL 1
To:
> Subject: RE: Contact Us
> - Credit Card Feedback
> 21/02 08:27PM
> Thank you for your response. Unfortunately, ABN
> doesn't have any branch in Dehradun, therefore, I cant
> call your bank by phone executive.
> Please inform me the postal address, where I can send
> your payment through cheque settling the full and
> final amount on my card. Since you donot have branch
> in Dehradun (and I am now located in Woodstock School,
> Mussoorie), I would not be able to continue with your
> card services.
>
> Please advise suitably,
> Thanks,
> Sareena Pun
REMINDERS
To:
cc:,
> 02/27 03:23 PM
> Subject: RE: Contact Us
> - Credit Card Feedback
>
> I would request you all to kindly rush the things and
> send me the completed statement so that there are no
> penalties charged on me.
> Please note that I have not received my statement till
> date.
>
> Thanx,
> Sareena Pun
> Assistant (Human Resources Department)
> Woodstock School
> Mussoorie, India 248 179
> Ph: 91-135-263 5900 extn. 2541
> website: www.woodstock.ac.in
REPLY FROM THEM
> &--Original Message&--
> From: [email protected]
> [mailto: [email protected]] On Behalf Of
> [email protected]
> Sent: Monday, March 06 10:03 AM
> To: Sareena Pun
> Subject: RE: Contact Us - Credit Card Feedback
> Dear Ms. Pun,
>
> We refer to your mail dated March 03.
> We thank you for your updates your contact details.
> Our executives will be in touch with you at the
> mentioned numbers in the next three (3) working days.
> In case you require any assistance, please feel free
> to call our 24-hour Bank By Phone service in your city
> and our executive will be glad to assist you.
> Assuring you of our best services.
> Yours sincerely,
> Cardservices
> 24 Hours Bank by Phone:
> Delhi & Noida 95124 411 1111, Mumbai 2491 4001,
EMAIL 2
> "Sareena Pun"
To:
>
cc:
> Subject: RE: Contact Us
> - Credit Card Feedback
> 07/03 02:10PM
> Dear Customer care,
>
> 1. I received my credit card statement today only, and
> you have charged Rs. 500 /- as late fee. I have been
> requesting you all that my address for communication
> has changed and please arrange to make necessary
> amendments. I am arranging to make the full and final
> payment in a day or two (less Rs. 500/- towards late
> fee).
>
> 2. I did received call from your customer care
> yesterday, but I was in the middle of a meeting and so
> I could not attend the call.
>
> Thanks,
>
> Sareena Pun
> Assistant (Human Resources Department)
> Woodstock School
> Mussoorie, India 248 179
> Ph: 91-135-263 5900 extn. 2541
> website: www.woodstock.ac.in
REMINDERS
> &--Original Message&--
> From: Sareena Pun
> Sent: Wednesday, March 15 1:05 PM
> To: '[email protected]'
> Subject: RE: Contact Us - Credit Card Feedback
> Importance: High
>
> Hi,
>
> I have not heard back from you on my questions :
>
> 1. Unfortunately, ABN doesn't have any branch in
> Dehradun, therefore, I cant call your bank by phone
> executive. Please inform me the postal address, where
> I can send your payment through cheque settling the
> full and final amount on my card. Since you donot
> have branch in Dehradun (and I am now located in
> Woodstock School, Mussoorie), I would not be able to
> continue with your card services.
>
> 2. I received my credit card statement on 7th March
> and the moment I received your mail I wrote back to
> you that you have charged Rs. 500 /- as late fee. I
> have been requesting you all that my address for
> communication has changed and please arrange to make
> necessary amendments. I am not able to make payment
> because I did not receive the updated statement. Also
> you have charged me some CREDIT SHIELD which I have
> never expressed my intentions for. I would like you
> to reverse that too.
>
> 3. I got a call from my home informing me that your
> customer care has called him. I request you to call
> me on my mobile (093191 63250) anytime during 5p.m.-10
> p.m. Please remember I want to make full and final
> settlement now, so unless I receive a proper
> communication from you giving me my full and final
> details.
>
> Thanks and regards,
>
> Sareena Pun
> Assistant (Human Resources Department)
> Woodstock School
> Mussoorie, India 248 179
> Ph: 91-135-263 5900 extn. 2541
Various reminders were sent on March 21, 27 and 30 regarding the same.
EMAIL 3
Wednesday, May 10 12:40 AM
From:
"[email protected]"
Add sender to Contacts
To:
[email protected]
Dear Cardmember,
This is to inform you that we have received Rs. 7, 720.00 as payment for your ABN AMRO Bank Credit Card.
Assuring you of our best service at all times,
Warm Regards,
ABN AMRO Card ‘Active Alerts’ Service
PS: Request you to kindly quote your ABN AMRO Bank Credit Card number in all future correspondences with us.
EMAIL 4
> &--Original Message&--
> From: Sareena Pun
> Sent: Wednesday, June 07 8:54 AM
> To: '[email protected]'
> Cc: 'Ravi Prakash'
> Subject: Grievance!
> Dear Customer care,
> I have received my last month's credit card estatement
> today. To my amazememnt I still have to pay some 5000
> to ABN. I just don't understand this.
> Please see my numerous emails to your department, I
> didn't heard back from you until I myself personally
> have gone to Delhi in April and tried to settle down
> and clear all the issues relating to my credit card
> statement.
> 1. Your customer care executive (Ms. Honey) has agreed
> to wave off the late fees levied on me because of the
> various reasons I have outlined in my emails below and
> explained to her too.
>
> 2. After a detailed discussion she had given me a
> specific figure (some
> 7720) which I needed to pay to settle my statement
> which I did last month.
>
> 3. I had also requested N number of time to reverse
> the amount charged to me with regards to credit shield
> which I never applied for.
>
> Please please I am fed of writing and requesting now.
> I request you to investigate this matter at your end
> and clear my credit card statement.
> I donot owe you any money now as per the last
> discussion I had with your department. See, I cant
> use your card as I am in Mussoorie but my brother
> wishes to carry on with your card (he has add on card
> on my card). But looking at the carelessness and so
> many miscommuncations, he is afraid to use it.
>
> I request you for the last time to either clear my
> statement or just close my card. I have suffered a
> lot in communicating with your customer care, I just
> cant give any more time writing email. This is my
> final email to you. If my grievance doesn't receive
> proper attention then I may have to approach some
> other bodies to solve my issue.
> Thanks,
> Sareena Pun
> Assistant (Human Resources Department)
> Woodstock School
> Mussoorie, India 248 179
> Ph: 91-135-263 5900 extn. 2541
> Mobile : 9358 363 066
> website: www.woodstock.ac.in
EMAIL 5 AND REPLY FROM CUSTOMER CARE
> &--Original Message&--
> From: [email protected]
> [mailto: [email protected]] On Behalf Of
> [email protected]
> Sent: Thursday, August 10 12:30 PM
> To: Sareena Pun
> Subject: Re: FW: Grievance! (URGENT)
> Dear Ms. Pun,
> This is in reference to your email dated August 08,
> 2006.
> We have referred the matter to our concerned
> department and will revert to you within the next 7
> working days.
> Please note that the Mail Reference Number is
> 00046746550. You may quote the same in further
> correspondence with us.
> Should you require further assistance, call our
> 24-hour Bank By Phone service in your city and our
> executive will be glad to assist you.
> Assuring you of our best services.
> Yours sincerely,
> Cardservices
"Sareena To: >
cc:
> Subject: FW: Grievance!
> (URGENT)
> 08/08 03:45PM
> Dear Sir,
>
> I am in receipt of one more statement from ABN Bank
> asking me to pay some amount of money whereas I have
> already made full and final settlement to them in May
> 2006. If you look into my mails below, I have paid
> them in full, after I moved here in Mussoorie, because
> I discovered that ABN doesn't have branch either in
> Mussoorie or in Dehradun, so I was unable to continue
> with their services. I have clearly mentioned each
> and every detail to them every time I received a
> statement but I don't think they are bothered about
> going through the mails but they are simply keep on
> forwarding the statement over statement and charging
> me for late fee and interest over interest.
> I would request your kind intereference in this
> regard.
> Thanking you,
> Sincerely,
> Sareena Pun
> Ph: 91-135-263 5900 extn. 2541
> MOBILE : 93583 63066
> website: www.woodstock.ac.in
EMAIL 6
> "Sareena Pun"
>
> To:
> Subject: RE: FW: Grievance! (URGENT)
09/15 09:13 AM
> Hi,
>
> I am again in receipt of one more statement. I give
> up now. I am totally fed up.
>
> Last month (August 30 & 31), I was approached by your
> customer care executive in Delhi office and was
> reassured me that I only have to make a payment of Rs.
> 281/- and then ABN will issue me a NO DUE CERTIFICATE.
> She also assured me that my brother can fill out a
> form regarding credit shield (which I never applied or
> opted for) and they will also reverse the premium
> entries pertaining to this shield.
>
> But this current statement again showing the same
> entries and late fees on them and financial charges
> and so on.
>
> I just don't have any patience left to explain this to
> you any more.
>
> This is my last email and I donot want any further
> calls or emails pertaining to this. I am not liable to
> make any more payment to ABN and I am considering my
> ABN account fully settled.
>
> Sareena
I made some more payments to avoid late fee charges etc., email receipt of which is pasted below. But despite of taking all precautions I was charged with late fees.
Customer care, Active Alert Service
Monday, April 17 11:41 PM
From:
"[email protected]"
Add sender to Contacts
To:
[email protected]
Dear Cardmember,
This is to inform you that we have received Rs. 1, 000.00 as payment for your ABN AMRO Bank Credit Card.
Assuring you of our best service at all times,
Warm Regards,
ABN AMRO Card ‘Active Alerts’ Service
PS: Request you to kindly quote your ABN AMRO Bank Credit Card number in all future correspondences with us.
Active Alert Service
Monday, March 27 10:50 PM
From:
"[email protected]"
Add sender to Contacts
To:
[email protected]
Dear Cardmember,
This is to inform you that we have received Rs. 455.00 as payment for your ABN AMRO Bank Credit Card.
Assuring you of our best service at all times,
Warm Regards,
ABN AMRO Card ‘Active Alerts’ Service
PS: Request you to kindly quote your ABN AMRO Bank Credit Card number in all future correspondences with us.
EMAIL LAST MONTH
I have been writing to you for last 3 years to settle my account. Every time its me who is concerned about NO DUE CERTIFICATE and I never receive a response from customer care. Now also I contacted you (3 weeks back) regarding the same and today I am informed that I have to pay rs. 14000/-. And this is just because the old customer care executive who dealt with me 3 years ago has bot sent my file for clearance to RBI. I have already made the full and final payment as advised by that old chap 3 years ago and therefore, now I request you to please issue me a NO DUE CERTIFICATE. I am pasting below extract of my conversation with your customer care executives for your reference. If you need I can forward all the other emails for our reference which can help you in settling my account and issue NO DUE CERTIFICATE to me.
I M NOW BACK IN DELHI AND WANTED TO USE ABN CREDIT CARD AGAIN BUT THIS WAY I THINK I WONT THINK OF IT AGAIN AND WILL SUGGEST OTHER FRIENDS AS WELL NOT TO GO FOR IT.
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