[Resolved]  Indusind Bank — Issued a premium credit card with wrong commitments, charged Rs.30000 plus taxes

Address:

Hyderabad, Andhra Pradesh, 500016

Hi!
Indus Ind Card Number [protected]
Indus Ind Current Account Number[protected]

Concern : I've been contacting IndusInd to resolve my issue. Its been morethan 6months still issue pending. I visited bank four times, written five emails, contacted customer care by phone over 40times. In july and august I received calls from your bank saying that joining fees withdrawn, I thaught I need not pay july bill, later I received one more call asking me to make minimum pay so that the issue will be resolved later. Joining fees not withdraws but added late payment and delay charges which is now about Rs.31000/- as per their statement.

Acutal Issue : I applied for IndusInd platinum credit card last year november, executive informed me that there wont be any joining fees, But I received Rs.5000/- bill in first month statement as joining fees. I've taken IndusInd current account for my pvt ltd company and its salary accounts later. I visited somajiguda branch in march 2016 to resolve internet logging issue and to upgrade my current account. Mr Nageswara Rao (phone number [protected]) insisted me to take signature credit card. He was not showing interest on my current issues, but keep bugging me to take signature card. I thaught he 'd help me only if I take signature card. After few fallowups I agreed to take signature card for which he promised credit limit 2, 50, 000/- minimum credit limit, 4 Jet air tickets (not fuel charge, he promised full tickets) 2% cash back on each transation and Rs.80000/- benifits in a year as club memberships and promo codes. All went false. I contacted bank manager many times but he dint receive my call, left a message saying he is busy. I personally visited somagiguda branch, they neither resolved my current account issue nor credit card issue. I have been contacting bank from the day one, issue delayed and I was asked to pay the amounts to avoid bad cibil report. I contacted customer care more than 30 times everytime I had to explain issue and they cant reply immediately so each call lasted atleast 30mins they only asked me to wait as they escalate it to concerned department. I waited for 6months before i stopped paying. Finally I recieved a call saying charges cannot be withdrawn. When the promised features cannot be awarded to the customer why should customer keep the card. This issue causing lot of mental tension to me. I demand bank to execute the commitments or withdraw charges or card.

Committed features with signature card 1. minimum 2.5lakh credit limit as per my existing credit cards limit ( executive taken my hdfc and standard charterd card details wich are minimum 2, 50, 000/- limit) 2. Four Jet ait tickets to travel any domestic destination 3. 2% cash back on each transatons ( as per his promise if i use 2.5lakh credit limit for atleast 6months i will get my joining fees back) 4. Rs.80000/- benifits ( free club memberships and promi codes )

What I received 1. Card same as previous platinum credit limit Rs.50000/- ( I earlier paid Rs.5000/- for Platinum card just 3months before this upgraded card) 2. Received customer care call about the card saying Jet Codes only cover fuel charge not entire tickets. Still the tickets or promi codes not delivered. ( they claim tickets delivered to my mobile and mail, but I dint receive) 3. 2% reward points, not cashback. ( customer care person explains, these reward points can be redeemed to card bill, but 2% in 50k limit will not cover joining fees in an year) 4. Benifits only offers on purchase, not direct offers. They promised free access to airport lounges and free membership in golf club. I tried to obtain free laungue at RGI airport lounge and golf club which they said free access. But they rejected citing limitations.
If they issued card with credit limit or jet air tickets are as per commitment, i'd have continued with the card.
I contacted all levels of bank support, no one atleasted contacted me to resolve issue. Totally irresponsive
I humbly request you to help me in this issue.
Sincerely Lakshmi Narayana Vara Prasad Nalla