Abn amro bank(credit card)
False Bank charges

This is to bring to the attention of this forum, the unfair practices of ABN AMRO BANK (Credit Cards department).

I had held a Gold Card & for more than 4 years without a single case of default - this year in Feb, against a transaction of 250.00 I was charged a Late Payment fee of 350.00 . These charges were reversed the same month as a 'Service gesture". Accordingly, payment of Rs. 250.00 was made in full settlement of the dues. However, in the next statement cycle, there was another Late fee of 350.00 charged - this time for " Non Payment " of the initial Bank charges (that as you may recall had been reversed). This is now continuing with the Bank debiting every month for non payment. On enquiring with the Bank as to how there was a default since the Charges were reversed by the Bank itself, have not received any satisfactory response from them.

I need to know as to whether the customer has any recourse to unfair charges levied by Banks since they are well protected by CIBIL wherein, our credit scores get affected with every " non payment " notwithstanding the justification of the charges which as in the instance given above stand contested by the customer.

regards...