ABN AMRO Complaints & Reviews

ABN AMRO Credit Card — excess charges

in month of augest i made final payment of 6551 INR they diposit my check after due date and send onother bill with late fee and today they send me bill of 1471 INR when i paid full payment in month of augest

please do the need full

I had used ABN ambro bank credit card in the past and I had made the payment to them (infact it is EMI payment). I had made last 2 EMI payment together. When the card was sold to me they informed it is lifte time free card. But suddently this year begging they had charged me with Annual Membershipment fee. I had called the ABN bank immediately and lodged a complaint and told them to DEACTIVATE my card. Immediately ABN CS had called me they informed they had reversed the charges and asked me use the card. After couple months suddenly in the month of MARCH again they told me to make the payment of Annual fee and default amount (Total Rs3500+). Again I lodged phone complaint twice as I am not getting any resolution. They informed they had blocked my card and will send their representative to solve the issue of outstanding. But no body approached us. But only getting harrasment calls from ABN DELHI number[protected], they are not listening to us and they are using abusive language and bad filthy words.

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titanium credit card — non receipt of bill

we are yet to recive your bill for november
last bill recived is for statment dt 3.1.08 .payment due date 23.10.08

since i have made purchase on 28.10.08, eagerly awaiting bil. to make imeediate payment. not intrested in paying intrest.
since this bill is for big amount, and this bill has not been recived, you shall than claim finance charge etc. not intrested . will pay 100% as done in past.
mail bill copy now

titanium credit card — DEMAND FOR ANNUAL FEE

I wish to inform U that earlier Titanium card was being used by me and then Iwas given Platinum Emirate card. I am surprised to see taht when this card was withdrawn, from where this Annual fee demand has come. I am senior citizen and all thse unwanted demands are causing stress to me. I also want cacellation of my present Platnium Emirates card as well as I am not keen to have any relationship with this bank. My phone no. is <[protected]>
I'll provide my card no. only when contacted or email message be given to me.
REgards

ABN AMRO Credit Card — non receipt of statement

Dear Sir / Madam,

With reference to the above subject, i would like to bring to your notice that i am using abn amro (titanium )credit card for the past few years.
Nature of Complaint : I have not received my bill for the last 6 - 8 months. In spite of my repeated complaints
no actions has been taken and hence I am making my payments on ad-hoc basis.
I am also not able to verify my statement.

titanium credit card — Super delayed meralco auto debit processing

Almost a month now and been following up for my meralco bills auto debit enrollment, still no positive response.

Please expedite.

Thanks and more power.

[protected]

wrong written off to CIBIL report

my CIBIL report shows an written off amount from Pheonix Arc which is absolutely wrong. I never had any dues towards my ABN AMRO credit card. Pls provide me number of your concerned department or I am going to sue you soon.

ABN AMRO Credit Card — Harassment for payment for charges not incurred by me

I was holding ABN Amro Bank Credit Card 3-4 yrs back, though I have made all my payments on time they have charged me late payment charges. When I spoke to their customer care they informed that they will reverse the same. They also have charged Annual Fees, when their representative have informed that its a Life Time free card without any charges or Fees while issuing the card. I have returned the card immediatly after they have charged the Annual Fees & informed them to deactivate the card & reverse the fees. But still they are calling to make the payment. I am not in India but they are calling my wife and harrasing her for payment. Please advice.

ABN AMRO Credit Card — FORCIBLY ASKING FOR PAYMENT AGAINST WRONG DEBIT

Dear Sir
This is with reference to my ABN AMRO Credit card No- [protected], since last four month I have been countinuely getting calls from ABN AMRO Card and everytime someone has been trying to sell me some discount coupons but I always denied. Finally in jan'2009 again I got a call from their side and the executive on the phone told me that if you don't want to buy the coupons, no problem, we will just charge an amount of Rs. 6000/- to your card and will send you only details of our scheme and only when you deposit the payment of your card then only we will send you all those coupons we are offering you and if you do not make the payment of your card as debited by us, we will reverse the debit in the following month and no coupons will be sent to you. On listening all this and to avoid further calls from their side lasting I said OK but I also said that I am not interested to buy any discount coupons nor I will pay for that.

Now I have got my card's statement for the month of March'2009 I am surprised that neither I got my last months statement nor the charges have been reversed. When I contacted to customer care they say you must have to pay atleast Rs. 4000/- and we will send you the coupons when I said all above the person says there is no option for you you must have to pay and she disconnected the phone.

I am surprised by her language and by this type of forcible sell by the ABN AMRO Card. I rarely use my card and since getting made the card last year I have hardly used my card 4-6 time only and I have always made my payments for purchases made by me on time. Inspite of all this I am extremely hurt that a bank can do such a business.

I would like to cancel my above card immediately and would like ABN AMRO officials to reverse the charges debited by them on the ground of false informations and committment with customer.

U.S.Tiwari
[protected]

ABN AMRO Credit Card — Cheated by Misleading

My name is Anil, I am using Abn Amro credit card since last one year. And there was no issues with my transation and the payment. Unfortunately last two months back I used to get a call from telecallers for their make my trip offer. But I was not interested and replied the same to them. As the day rolled these calls are froced me to listen to the offer. That is like they are sending me a wocher of make my trip and informed me that I dont have to spend a single rupee on that and whenever I am planning to go for a trip then I have to Inform the bank then they are going to charge me and they will arrange for activating my woucher and then only I have to pay whichever destination I choose accordingly they give me the offer. But I clearly mentioned them for next one year I dont have any plans. As per telecaller I came to know these woucher will not deduct any ammount from my account and got 8 months validity whenever I am interested then only I can strt using this. Then I am forced to agree. after this even I am not recieved any woucher I got e mail alert from ABN AMRO bank by saying rupees 5000 has been deducted for these woucher. And immediatly I called customer care number and even explaining all these thing they never answered my problem, , , , , I am still expecting their reply for the same.

ABN AMRO — Harresment for payment for no service availed

This is in connection to the ABN Amro Card: No: [protected]. Card Holder Name: P. Haran Kumar.
I had availed this card after huge pressure from ABN sales team on 31 Aug 2005. After availing this card I had never activated or used this card fro any purchase as it was my first Credit Card and I had no specific usage for this card.
Later one of ABN executive had called me over the phone and requested me take a insurance policy attached to this card, after regretting I took the offer and paid 2 months premium of Rs: 250 each, where as after 2 months I had not received the insurance policy and when asked for the same their representative said that they had couriered the same to me, where as I had not received the same till 2006 October, I stopped paying the premium of Rs: 250/-. (Why should I pay premium for the policy which I had not received).
After further enquiries I said I am going to cancel the card and had written a letter to your concern and broken the card and dropped it in ur bank at pune.

It had been 3 years now and after 3 years ABN executive had called me and asked for the payment stating that I have 8000 odd balance to be paid.

Further to add flavor, ABN had marked me as a defaulter in my CIBIL Report.


The Only Credibility Problem I had faced with ABN AMRO, Pls check my track record and Credit record with CIBIL. I am good paymaster apart from your card – where the problem is at the service of your esteemed organization.

From,
Sanjay Kumar Gupta
Contact No. [protected]
e-Mail ID [protected]@dataone.in

[protected]@qtplt.com

Dear Sir,

Now you are spoiling our relationship by your negative response regarding reversal o[censored]njustified charges.



Plesae note that it has been agreed by you that nothing will be charged on account of membership fee which you can verify from your past records.



Please also note that late payment has been levied by you for 1 or 2days delay in making payment which happened due to return of cheque. You can verify from your records that earlier cheque has never been reversed except this case. It has also been agreed by you at the time of informing me towards return of cheque that if I deposit cash immediately then nothing will be charged on account of late fee. Inspite of making cash payment on the same day as you have advised, you have charged late payment which is quite ridiculous.



It is quite clear that you are not fulfilling your comittment which will spoil our relationship .



You are also giving unncessary excuse that you are not able to contact me at the number registered with you. My contact number is same i.e. [protected] on which you may contact me between 11 A.M. to 6.30 P.M.



Please resolve this matter at the earliest and arrange to reverse all unjustified charges as mentioned in my earlier e-mail to ensure our better relationship .



Thaking you,
Yours faithfully

(Sanjay Kumar Gupta)



----- Original Message -----

From: [protected]@in.abnamro.com

To: Sanjay Kumar Gupta

Sent: Wednesday, September 23, 2009 6:33 PM

Subject: Re: Fw: reversal of charges




Dear Mr.Gupta,

We refer to your email dated September 19, 2009.

We regret we have been unable to establish contact with you at the numbers registered with us to clarify regarding the Membership fee. Please let us know any alternate number and a suitable time to contact you so that we can resolve your complaint at the earliest.

Please note that late fees are levied due to non payment of at least minimum amount due within payment due date. The finance charges are levied due to non payment of total outstanding within payment due date.

We regret we will not be able to reverse the Late fee and Finance charges charged on your Card account.

We wish to inform you that with effect from July 18th 2008, an amount of Rs 75.00 has been levied to the Credit Card account as fee for all cash deposits made in branches for Credit card payments.

The same had been communicated through the June card statement and also on the reverse of the monthly credit card statements and the Tariff of charges available on the Bank's website .

We therefore regret we will no be able to reverse the cash deposit fee charged on your card account.

You can also opt for any of the following payment modes which make payment making process simpler and hassle free for you.

If you have an ABN AMRO Bank account you can call up the Bank By Phone for a credit card payment over the phone or access net banking to make payments through the net by just logging on to https://cards.abnamro.co.in

You can also visit our website to download forms for providing us with instructions for Auto debit (for ABN account holders), or for availing Electronic Clearing Services (ECS).

Kindly note, incase you are an existing ABN AMRO Savings Bank Account holder you can call our Bank by Phone Executives to place standing instructions for your monthly card payments.

You may also avail the NEFT (National Electronic Funds Transfer) Facility. For making payments through NEFT, access NetBanking of the bank from where you wish to transfer the money and add your ABN AMRO Credit Card number as a beneficiary to receive the funds transferred. Ensure ABN AMRO Bank's IFSC code is ABNA0200001 & start making online payments towards ABN Amro card.

Please note the cheque return fee is levied as per the Tariff of charges shared in the Most Important Terms & Condition which is sent to you at the time of dispatch of the card and on the reverse of the monthly physical statement.

We regret we will not be able to reverse the fees levied.

We request you to pay as per the monthly statement before the Payment due date to avoid further charges.

You may also quote the reference number [protected], in case you need any further clarification on the above resolution.

Please feel free to write back to us for any further clarifications in this regard or 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.

Vilma Lobo
Yours sincerely,

Vilma Lobo
Client Response Unit

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You may also avail the NEFT (National Electronic Funds Transfer) Facility. For making payments through NEFT, access NetBanking of the bank from where you wish to transfer the money and add your ABN AMRO Credit Card number as a beneficiary to receive the funds transferred.
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Sanjay Kumar Gupta <[protected]@dataone.in>

09/18/2009 10:02 PM

To: [protected]@in.abnamro.com
cc: ABN AMRO BANK <[protected]@in.abnamro.com>
Subject: Fw: reversal of charges





Dear Sirs,

Despite my several e-mails and your assurance regarding reversal of certain charges, I regret to inform you that till now reversal of certain charges has not been done by you. As a result of this, I have faced lot of harassments.

I am sending hereunder all my earlier e-mails along with your reply which are self explanatory.

Please note that I have been assured by you over phone several times that reversal o[censored]nnecessary charges will be given at the earliest. But I failed to understand that why it has not yet been done.

Now I am not in a position to bear any delay and if reversal will not be given at the earliest, it will compel me to become defaulter for making payment against your next ststement.

You are therefore requested to look in to the matter and arrange to reverse all unnecessary charges without any further delay under intimation to me,

Thaking you,
Yours faithfully

(Sanjay Kumar Gupta)
----- Original Message -----
From: Sanjay Kumar Gupta
To: ABN AMRO BANK
Cc: [protected]@in.abnanro.com
Sent: Thursday, August 27, 2009 9:04 PM
Subject: reversal of charges

Please note that it has been agreed earlier that nothing will be charged on account of membership fee. You can also verify from your records that nothing has been charged on account of membership fee in the past.

As regards late fee, please note that as soon as I have been informed by your your helpline regarding return of cheque and as advised by your helpline to deposit the outstanding amount in cash to avoid any late fee, I have immediately deposited outstanding amount in cash without any delay. But I am shocked that despite your assurance, you have cgarged late fee.

As regards charges of Rs. 500/- towards return of cheque, please note you have charged in an unjustified manner wheras all other Banks charge Rs. 100/- only on this account.

Despite my several e-mails you have not yet arranged to reverse the charges as mentioned above and it will spoil our relationship and compel me to bocome defaulter as because I am not in a position to bear your unjustifieed charges.

Under the circumstances, you are hereby requested to reverse the following charges at the earliest.

20.06.09 Membership fee Rs. 595/-
10.07.09 Excess charge of RET CHQ
Handling fee 400/-
13.07.09 Cash Deposit Fee 75/-
15.07.09 Late fee 650/-
20.07.09 Finance charge 167/90
20.07.09 Service Tax 194/45

Thanking you,
Yours faithfully

(Sanjay Kumar Gupta)

----- Original Message -----
From: [protected]@in.abnamro.com
To: Sanjay Kumar Gupta
Sent: Saturday, August 22, 2009 10:57 AM
Subject: Fw: Fw: reversal of charges


Dear Mr. Gupta,

This is with reference to your email dated August 16, 2009.

We wish to inform you that we have taken note of your request regarding membership fees and the same has been forwarded to the concerned department. We will arrange to have you contacted shortly.

We would like to inform you that the cheque number 680049 for Rs. 2, 500.00 was returned due to the reason “Insufficient Funds".

We would also like to confirm that we are in receipt of the payment Rs 2, 700.00 dated July 13, 2009 towards your ABN AMRO card account.

We wish to inform you that with effect from July 18th, 2008, an amount of Rs 75/- has been levied to the Credit Card account as fee for all cash deposits made in branches for Credit card payments .

The same had been communicated through the June card statement and also on the reverse of the monthly credit card statements and the Tariff of charges available on the Bank's website.

We therefore regret we will no be able to reverse the cash deposit fee and cheque return fees debited on your card account.

You can drop your payments at least 4 days prior to the Payment Due Date at any of the more than 2000 drop boxes available in India. The exhaustive list of drop boxes is available on our website www.abnamro.co.in

If you have an ABN AMRO Bank account you can call up the Bank By Phone for a credit card payment over the phone or access net banking to make payments through the net by just logging on to https://cards.abnamro.co.in

You can also visit our website to download forms for providing us with instructions for Auto debit (for ABN account holders), or for availing Electronic Clearing Services (ECS).

Kindly note, incase you are an existing ABN AMRO Savings Bank Account holder you can call our Bank by Phone Executives to place standing instructions for your monthly card payments.

Please note that all credit card payments are to be made by a personal cheque or a demand draft drawn on a bank favouring “AAB Credit Card No. -------.

You may also avail the NEFT (National Electronic Funds Transfer) Facility. For making payments through NEFT, access NetBanking of the bank from where you wish to transfer the money and add your ABN AMRO Credit Card number as a beneficiary to receive the funds transferred. Ensure ABN AMRO Bank's IFSC code is ABNA0200001 & start making online payments towards ABN Amro card.

You can also visit our website to download forms for providing us with instructions for Auto debit (for ABN account holders), or for availing Electronic Clearing Services (ECS).

We would like to inform you that late fees are levied due to non payment of at least minimum amount due within payment due date.

We would also like to clarify that interest on any retail transaction is levied if the total outstanding is not paid within due date. This is calculated from the date of transaction until the total amount is fully repaid.

Please be advised that the total outstanding as per the statement date June 20, 2009 was Rs. 2, 834.37 and the due date was July 10, 2009. However we have received payment for the amount of Rs. 2, 700.00 on July 13, 2009. Hence late fees and finance charges have been levied on the same.

Therefore we express our inability to reverse late fees and finance charges debited on your card account.

You may also quote the reference number [protected], in case you need any further clarification on the above resolution.

Please feel free to write back to us for any further clarifications in this regard or 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,

Vimal Rana
Client Response Unit

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Register for MasterCard SecureCode and get added security of a unique password for your internet transactions at MasterCard SecureCode enabled online merchants.
********************************************************************************...⇄
Why wait for a physical statement when it is also available just a click away! Enjoy Simple & Hassle free banking by just Registering on Cardsonline and view statements upto 6 months Get FREE statements on email by just registering your email ID with us
Call 24 Hours Bank By Phone to subscribe for FREE SMS Alerts
********************************************************************************...⇄
You may also avail the NEFT (National Electronic Funds Transfer) Facility. For making payments through NEFT, access NetBanking of the bank from where you wish to transfer the money and add your ABN AMRO Credit Card number as a beneficiary to receive the funds transferred.
********************************************************************************...⇄
Access this URL to view the Bank by Phone numbers in your city - http://www.abnamro.co.in/consumer/directbankingservices/phone_bank.html
********************************************************************************...⇄





Sanjay Kumar Gupta <[protected]@dataone.in>

15/08/2009 07:47 PM

To: [protected]@in.abnamro.com
cc:
Subject: Fw: Fw: reversal of charges






This is to in reference to your e-mail dated 14th August, 2009.

Please note that my exisiting contact no. is same i.e. [protected] as registered with you earlier.

please solve the matter at the earliest.
----- Original Message -----
From: [protected]@in.abnamro.com
To: Sanjay Kumar Gupta
Sent: Friday, August 14, 2009 12:34 PM
Subject: Re: Fw: reversal of charges


Dear Mr. Gupta,

This is with reference to your email dated August 13, 2009.

We have been unable to establish contact with you at the numbers registered with us. We request you to provide us with your existing contact details so that we can get in touch with you to provide a resolution to your concerns.

Please feel free to write back to us for any further clarifications in this regard or 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,
Client Response Unit

****************
QUICK TIP
********************************************************************************...⇄
Register for MasterCard SecureCode and get added security of a unique password for your internet transactions at MasterCard SecureCode enabled online merchants.
********************************************************************************...⇄
Why wait for a physical statement when it is also available just a click away! Enjoy Simple & Hassle free banking by just Registering on Cardsonline and view statements upto 6 months Get FREE statements on email by just registering your email ID with us
Call 24 Hours Bank By Phone to subscribe for FREE SMS Alerts
********************************************************************************...⇄
You may also avail the NEFT (National Electronic Funds Transfer) Facility. For making payments through NEFT, access NetBanking of the bank from where you wish to transfer the money and add your ABN AMRO Credit Card number as a beneficiary to receive the funds transferred.
********************************************************************************...⇄
Access this URL to view the Bank by Phone numbers in your city - http://www.abnamro.co.in/consumer/directbankingservices/phone_bank.html
********************************************************************************...⇄


Sanjay Kumar Gupta <[protected]@dataone.in>

08/13/2009 10:19 PM

To: [protected]@in.abnamro.com
cc:
Subject: Fw: reversal of charges







I have not yet received your reply for my e-mail dated 02/08/09 regardinding reversal of charges.

Please note that you have assured me vide your e-mail dated 02/08/209, Ref. No. [protected] that you will confirm me within 5 working days regarding reversal of charges. But I regret to inform you that till now I have not received any reply from your end.

i am again sending hereunder my earlier e-mail dated 02/08/09 which is self explanatory.

Please doi the needful without any further delay.

Thaking you,
Yours faithfully

(Sanjay Kumar Gupta)
----- Original Message -----
From: Sanjay Kumar Gupta
To: [protected]@in.abnamro.com
Sent: Sunday, August 02, 2009 1:56 PM
Subject: reversal of charges

Dated: 02 /08/09
From,
Sanjay Kumar Gupta
Contact No. [protected]
To e-Mail ID [protected]@dataone.in
Credit Card Division
ABN-AMRO Bank
Kolkata

Dear sirs,

Re: Credit Card No. [protected]

Further to my letter dated 7th July, 2009 you have not yet reversed membership fee Rs.595/- charged on 20th June, 2009. It has been agreed by you earlier that nothing will be charged on account of membership fee and you can verify from your records that it has never been charged in the past.

Please also note that in your statement dated 20th July, 2009 you have charged late fee Rs. 650/- and cheque returned fee rs. 500/-. In this connection, please note that my cheque has never been returned in the past which you can verify from your records. But unfortunately this time my cheque has been returned and I failed to understand the reason thereof. However, as soon as I have been informed by you regarding return of cheque, I have made payment in cash on 13th July, 2009 as advised by you.. In spite of assurance from you that nothing will be charged towards return of cheque if I make payment in cash immediately, I was shocked to see that you have charged late fee and cheque returned fee. Please note that my Bank (Central Bank) has already charged cheque returned fee Rs. 100/-. But you have charged Rs. 500/- towards cheque returned fee in an unjustified manner. At the most you can charge Rs. 100/- on this account as other Banks charge.

I also failed to understand that why you have charged cash deposit fee Rs. 75/- . Please note that I personally have deposited cash in your counter at your Brabourne Branch.

If you make unnecessary charges in an unjustified manner as mentioned above, I will be compelled to become defaulter for making payment against you credit card statement.

Under the circumstances, you are hereby requested to reverse the following charges.

20.06.09 Membership fee Rs. 595/-
10.07.09 Excess charge of RET CHQ
Handling fee 400/-
13.07.09 Cash Deposit Fee 75/-
15.07.09 Late fee 650/-
20.07.09 Finance charge 167/90
20.07.09 Service Tax 194.45

Pease do the needful at the earliest so that I can make payment against your credit card statement dated 20th July, 2009 within due date.

Thanking you,
Yours faithfully





[protected][protected][protected][protected]
This message (including any attachments) is confidential and may be privileged. If you have received it by mistake please notify the sender by return e-mail and delete this message from your system. Any unauthorised use or dissemination of this message in whole or in part is strictly prohibited. Please note that e-mails are susceptible to change. ABN AMRO Bank N.V, which has its seat at Amsterdam, the Netherlands, and is registered in the Commercial Register under number 33002587, including its group companies, shall not be liable for the improper or incomplete transmission of the information contained in this communication nor for any delay in its receipt or damage to your system. ABN AMRO Bank N.V. (or its group companies) does not guarantee that the integrity of this communication has been maintained nor that this communication is free of viruses, interceptions or interference.
[protected][protected][protected][protected]


[protected][protected][protected][protected]
This message (including any attachments) is confidential and may be privileged. If you have received it by mistake please notify the sender by return e-mail and delete this message from your system. Any unauthorised use or dissemination of this message in whole or in part is strictly prohibited. Please note that e-mails are susceptible to change. ABN AMRO Bank N.V, which has its seat at Amsterdam, the Netherlands, and is registered in the Commercial Register under number 33002587, including its group companies, shall not be liable for the improper or incomplete transmission of the information contained in this communication nor for any delay in its receipt or damage to your system. ABN AMRO Bank N.V. (or its group companies) does not guarantee that the integrity of this communication has been maintained nor that this communication is free of viruses, interceptions or interference.
[protected][protected][protected][protected]

ABN AMRO Bank Credit Card — Credit Card Bill

Hello,

I have not received any statements both hardcopy in my home address or on the e-mail since few months and now my card has been blocked by the bank. On calling up the centre first their systems are always down and then after calling repeatedly they say that it is not their mistake that I have not received the bill. They claim that if I dont get the bill on time I should follow up with them for the same. I would like to know of any possible action against this kind of service levels and also harassment. Their is not even a mail sent to let me know that the dues are not paid or the bill has been sent or that the card is being blocked and this is after being a customer for many years without any defaults.

Rgds
Rajesh

abnamro bank — fake bills of credit cards which i have surender 2 years back

Dear sir/madam
This is to inform you on 3rd nov 2009 i have received a mail from ABN ABN AMRO bank. Where they have attached a credit card bill. Even I can not see the bill amount because I was not having credit card. Last 2 year back i have surrender the credit card and i did all the due payments .immediately with discuss in there call center i have cut the card and putted in the bank.
Now i am not able to understand how this bill can generate.
On 10th November i did the communication with bank. Till date they are bothered to reply, because this is there habit, from this way they earn the money from the peoples.
Kindly do need full.
Thanks

abnamro bank — herrest and roughfly use language from your call centre

respected sir. i take personal loan from this bank when i take loan my bussiness is good presently my bussiness is not good.so i request to bank to give me some time i pay all my liabilities to bank.but bank collection executive use very rough language with me and my wife give me dhamaki.sir i am 55yrs old and suffering high blood pressure.so i request you please help me

ABN AMRO Bank — harrassing,misleading,and earning money out of foul way

I Rajiv Bajaj will like to explain of an ordeal faced by me in last four months by abn amro bank. Below is the email i had sent to CGM of RBI in order to get a justice. Plz go through this mail and look into the matter.

email:

To,
The CGM
RBI, Kolkata

Subject : plz help me,plz go through,might be painfull but its more painfull ordeal for me for last four months.

Respected sir/ madam,
I ,Rajiv Bajaj,would like to bring in to your notice about an ordeal i m facing from past four months.
I am a credit card holder of ABN AMRO bank from past more than 2 years. But last sept'09 the ordeal started. The thing is I am having to pay an emi of Rs 1847.00. per month to abn amro bank against the draft loan i took from them a year ago. Now its due date comes out to 22nd of every month. In sept'09 i made the payment by cheque of Rs 1900.00 by 20th of that month. Now what do i see that their collection team ,which is situated at delhi and run by an outside agency, stared calling me from the next date of the due date asking me to make the payment in cash since the cheque has got bounced. But i disagreed to pay them saying that without getting any information from my bank i cannot make the payment in cash. The collection agency people were so clever that they took the payment of Rs 1850.00 from my father in cash in my absence as i was out of station.
In the meanwhile i made the transaction of Rs 52000.00 approx. knowing i have made the full payment and i wont charged any interest since my all dues for last month were cleared. Now what could i see in my next statement is there was an interest charges of Rs 1700.00 approx and also a late payment charges of Rs 650.00. The same day i called them about the same thing at their customer care no. 44341111. they said me that they cannot help me in this ,so asked me mail at [protected]@in.abnamro.com to get the retrivel of those charges,since in my opinion these charges were forcibly applied to me. I email them at the given address about the problem and also stating that i will hold the payment untill i dont get any resolve mail from them. I got the reply from them approx 15 days later,exactly on the due date i was having,saying its being my fault they cannot do anything. Now knowing its been totally injustice to me and totally wrong way to earn money out of foul way from the customers.I emailed them again to investigate on it again as there was no fault of mine.
Now from 23rd october ,since the payment was on hold, the outside collection agency started calling me.I made them aware of the issue going through and to please bear with me for the while. But every hour and every next day different person would call me and ask me the same thing.they went to extent to abuse me, not believeing my words,treating me defaulter and many more things.This thing went on for a month, and i cannot explain in words of how much pain i was in during the period,upto such extent extent that i cannot control my tears too.
Now before my 22 november 2009 due date, entered Mr dipankar ghosh ,having its office at trinity tower near topsia,an ABN AMRO bank retail asset division office,in the controversy.He is the collection head of eastern region as said to me by him. After knowing the whole scenario,he assured me to waive off all the charges and asked me to make the payment of Rs 55200.00 in order to close all dues as on 22nd november 2009.Now what i look at december statement ,all the interest charges are still there and upon it more of interest charges have been levied to me.The only thing was waived off was late payment charges.They said me after all the investigation they found that the late payment charges applied to me were found unwanted and hence were waived off.Now explaing them about late payment being credited to my card were totally injustice then how can they charge any interest then. I called up Mr dipankar ghosh again and said of these things.He assured me that these charges wont be there,and asked for little time.
Now with december due date fast approaching i contacted Mr dipankar ghosh again,he said me to make the emi payment of amount Rs 1847.00 which is due every month and assured again of all charges being waived off.This thing continued and continued,the person has same reply again and again.Atlast on jan'2010 due date he denied me of any charges been reversed and asked me to pay every charges and disconnected the line without listening to my words. On the response ,i got infuriated this time and at that moment i was left stranded and felt to be cheated and robbed of money.i was feeling humiliated of why i used the abn amro bank card. So i called him again to know whats the reason he didnt picked the call.I made 40 to 50 calls to him that time,but he didnt replied to me untill the last call. in which we had heated verbal with each other and conclusion being ,that he threatened to me of making me a big defaulter.
Now with all these happening to me, i have started realising that i am on verge of being defaulter,but its not my opnion. I m with no choice to except to go with abn amro banks words pay all the charges which are totally useless and unjustified or to become a defaulter.
But my minds says in order to live life in the name of Rajiv Bajaj and have a good relations with the banks,i have no choice to make the payments. But i have mailed you to make you aware of how banks are making money out of foul way. and its customers who are getting beating at the end.Plz help me in the same since this may happen again to other person.
I will be waiting for your response.
regards,
Rajiv Bajaj
email- [protected]@comantra.net

Hello


Yes you are right...the collection department can geta little aggressive due to there hyper levels of testeterones..

abnamro bank — HARRESMENT FOR PAYMENTS NOT DUE

SIR
I had taken apersonal loan for Rs 50000/- in Dec 2006 . I have been paying EMI of
Rs 2570/-per month ever since without fail .Tenure of the loan was 24 months My
last EMI for RS 2570/- was paid in Dec 08 as full & final payment I have repaid more than Rs 64500/- for the above said loan Ironically the bank is charging late payments for last 7/8 months ie from feb 08 I have time and again asked why this
charge is being levied I was always replied you pl pay monthly EMI do not worry
about this charge .Now for the last 20months I am getting constant calls from various exs from Delhi to pay Rs9829.17 being bal amount payable PL note on
innstence form their ex in March 09 and his request to pay Rs4000/- to settle the
impass I agreed & paid Rs 4000/- on 28/03/09 again I regularly get calls to pay balance .This is pure harresment Pl stp this immediately ,also pl provide detailed statement of a/c as to how come this payment is balance. I am also surprised my Credit card is also blocked from Aug 09
My L/A no AAB Card No [protected]
PL HELP A HARRASSED CAR dHOLDER
PRADEEP
[protected]
E-mail [protected]@ rediffmail.com

Hi, I am from Chennai and I was using ABN AMRO during 2005 and I paid all balance payments whatever due, but the next bill they charged me the next year Annal fee for Rs.850, but I told them I am going to cancel my credit card and also I was not used that card after that and broken the card and sent back to the bank, after sometime they were keep on sending the statement with interest, late fee charges, sometime back they called me from Pune call center and threading me that your name will be list under CIBIL under defaulter list.

I want know one thing that when the charged for next year annul fee, if i not used the card, do I need to pay that annual fee ?, if not so, why should they threading me ?

Please advice me, now I need to apply a personal loan.

I a credit card holder Mr AHMED KASMANI ([protected]) wanted to bring under your notice that i am facing problems regarding your bills.Every months bill is attached with late fees.I am complaining frm past 3 months.Look february statement.Our payments are been dropped regularly its in my record.So why??? the department is harassing me this way.I want you to please look into the matter or else i need to take serious steps on it.And please its a request to wave my late fee charges which i havent't done.Plzz reply me on [protected]@hotmail.com.I hope to resolve this problem as soon as possible.
Or else give me a call on [protected]

i a credit card holder vadlamudi v raja cardno [protected] june month totaloutstanding close 10131rs/-july month with out information you are charging 121rs/- and we are not sendin statement we have my cell no you are not sending message your statement not com intime i also informed last time total mistake your side why should you charges late payment, please cancell my out standing immidietly request my side we have any problem please cancell my card i request you . if you have i have no energey. ihave use your card ihave pay to redy please CHEK MY OLD RECORD PLEASE INFORM IMMIDIETLEY MY MAIL ADDRESS KUMARRAJA [protected]@GMAIL.COM AND MY CELL NO [protected], IF WE HAVE ANY PROBLEM PLEASE CANCELL MY CARD thank you sir

Hi,

I want to foreclouser my credit card account, but despite of regular request to the customer care officer, no body have turned up till date.
Recently I have applied for the home loan but I was surprise to learnt that my name is published by the ABN in CIBIL defaulter list.
I want to settle it down but I am not getting any response from ABN amro credit card cell.
Pls. help.

Dharmendra Rathore
Cell No. [protected]

I am a customer with [protected] posted a complaint that I have paid every balance and there is no pending amount which I have to pay. But to my surprise I have received a ststement that I have to pay Rs.121.40psand is accumaliting it by levying late payment charges like any thing. It is rediculous to bank with this sort of bank with hostile attitude. Also charged some Rs450.00 stating that I have made a transaction even though I haven't made. These have to be addressed immediately other wise I am left with a solution called legal battle.
VVV KUMAR RAJA

my card no is [protected] aarti devi . my card limit is 25000 . but current month august my card limit is descrease . card limit is now 7500 . so i request to rbs bank credit card departement ti increase my card limit .thank you .aarti devi

Enclosed is the attachment of payment made via cheque against the settlement of card number [protected], Card in name of Jayesh Kumbhare..



The said card was previous settled in 2007 with any settlement amount of 2400/- against the payment of "x" amount, thier has been no foloow up from 2007 or 2008, now you banks people are waked up and are asking for re settlement, on request it was asked to caller shailendra phone number [protected] to check the status and call back after 10-15 day's...he want me to make the payment immediately...why so when the bank has not called or follow up since 2008. and one fine day your representative from delhi called and ask to make payment imeediately ?



The caller who has got in touch with my family member to gather the detail has clled up on residence land line number which is the same from since last 12 years...no call from 2007 and in 2010 called are coming for payment... and the caller shailendra is to be very well taught the etic to speak to ladies at residence, he has used bad words and abused with females at my residence, after getting in touch with me on call for the payment and assuring him for the payment, since i was travelling & not receiving call's, again the guy has called and treated bad with my family members, in the conversaton with me and my family he has repeatedly used the word defaulter for me amd my family ... which is a offence that is what i beleive ... apart fron this all



i am find for the letter and the payment made against settle ment of card earlier, if the said card was settled earlier and this is again the new payment charged... i am going to prosecute it through my lawyer.



Attahed is the payment made through salary account of SBI.

The payment if any was due from my end, i am equally resposible for making the same, but the harresment doe by the caller was to extreme, daily calling up for 10-15 times, it just annoying and disturbing.



Also the authentication of letter was not establised the mail has come from some personal id, nor doe it carry an rbs id or rbs employee code, also state in letter the letter will hold true for 7 days from the isue date, on demanding fresh letter, it was communicated first make payment we will issue fresh letter later...how authentic it is..i don't know.



Also the outstanding on the card when asked for statement, they failed to provide me the statement, also the 7000/- amount is settled on an amount of 3200/- with out my information...whow do i trust that the outstading is 7 thousand and on what ground is the card settled on 3216/- no proof's available...



i don't know ho are you going to take this forward nor am a expecting any thing more than a "zero" statement and a valid letter & noc..



till the time i am not going to get this...the mail will be followed up



CC:- Banking ombudsman

CC:-



Thanks & regards





Tushar

I am coping the mail I have send to top south zone officer of ABN bank. The collection agency of this has been harrasing my family members (espcailly ladies) very very bad words and fillthy languages, what kind of harrasment is done by your collection agency which is the main reason at my fury with your bank .
my name is kesavan mobile no-[protected], , I already paid the money to close the credit card account (my card no-[protected]) on 2007 by cash agency person collect the money
agency person told account closing letter comes through bank within 20 to 30 working days, stillllllll i am waiting for credit card account closing letter
card details:bank issue the card on 2005
finish paid the 50% of my card a/c
balance total settlement paid on
2007
Bank did not send any closing letter, what bank this is i do no, now change the name ABN alias ROYAL BANK SERVICES, name is so good but service very very bad
(AGENCY PERSON LIKE STREET ROWDIES)

[protected]@rbs.com,
in.[protected]@rbs.com,
[protected]@rbs.com

dateSat, Oct 16, 2010 at 3:44 PM
subjectFwd: Regarding the payment of credit card -[protected]
mailed-bygmail.com

hide details 3:44 PM (0 minutes ago)


Hi,

To whom so it is concerned, I would like to draw your kind attention why i did not make the payment for the credit card.Reason are given below:
I never receive paper bills of my credit card, not even email statement --> Even after contacting to the customer care, i never got any proper response due to which you keep on added the late payment fees and i never have a idea about my bill
My initial credit limit on my card was around Rs 30, 000 but it was reduced to Rs 1500 with out any prior notice to me. Due to which i suffered a lot.
Steps taken:
I called up services desk and ask them that i never got the bills (email and hard copy). The executive on phone told me that you pay the amount which you have spent, rest amount will be waived off. However this never happen. You keep on adding the late payment fees.
As per the discussion with the executive, i paid the amount which i had spent and that was Rs1500. I had clearly told that executive that time on phone and even executive told me the same thing that what ever the late payment will be that will be waived off. Till this date this never happen and still the bill keeps on increasing which i never never pay.
I asked the executive to stop the card but he refused which again worked against me.
Conclusion : I am not going to pay any amount further. I paid the amount which i have spent what ever the charges are now (Rs 4500) those are only late payment fees which i will not pay as it was your mistake not to provide the bill details. So please can some one waive off the amount which is pending and close this credit card.

Awaiting your updates

Royal Bank of Scotland Credit Card — Cheated by Royal Bank of Scotland

Royal Bank of Scotland NV has cheated me. I had a high outstanding in the year 2008 which I was paying gradually. One fine day somebody named Shashi (Cell # [protected]) called me up and told me that my outstanding can be paid in easy instalments of Rs 3846.00. He took post dated cheques from me in the month of August'2009. He produced them in the bank and deducted money from my account in equal instalments. But when the completion time came, I still received a statement from the bank showing a high outstanding. That is when I got to know that though all the payments were made the bank levied late charges and I was again in huge debt. I immediately called up the customer care and I got to know that the bank had levied late payment charges on me. I did not want to pay the same because I did not use the money and and so kept calling the customer care but in vain. Nobody was in a position to help me. There was no better solution apart from paying the money. The people who took my calls did not know what needed to be done. Most of the times they used to promise me that they would call me back but days went and I kept on waiting for the calls. When I got in touch with Shashi he said "I will not be able to help you on this. You do whatever you want to do". When I got hyper and told him he had cheated me, he said "You try and prove that I have done this, nobody will pay a heed or believe in you". Is this the kind of treatment a customer is supposed to get? I also called up for help to the customer service and also requested them to lodge a complaint against Shashi who had frauded me but in vain. Everytime I was assured that I will be called by somebody from the bank but most of the times it was a call for 'please pay up the amount' or there was no call at all. After many months I got a letter from an advocate which showed that I will have to pay a higher interest for the outansding (actually the money I hadnt used). So, I thought of paying up the amount before it becomes too high. When I called up customer service they told me to pay to RBS credit card number. I have done the same and even then the collection department keeps calling me and saying that they have not received my payment. They want me to pay the amount again inspite of the amount being cleared from the bank. Please help to me to come out of RBS clutches before I lose everything.

RBS credit cards are big time cheaters.Their customer service is a big zero, they happily violate the RTI, by adding charges without any intimation to the customer.

Sir,
I ABN AMRO Bank credit Card customer Card No. [protected]. Your bank sends wrong amount for Rs. 10951 dated 12.10.2007 as healthwise prem. debit. i have to called to bank and same amt. reverse dated 12.12.2007 then after debit the same amount dated 12.12.2008.

I don't know what is health wise insurance. i have closed my credit card and so many letters send to you, but no response from you.
So please revised my bill and cancel my credit card.
Regard,
Ulkesh Bhavsar
M: [protected]
Date: 21.05.2011

dear RBS,
we have not yet get any current account statement from RBS, Hauz Khas, New Delhi.
My account no. 1649931
My customer id is 1994026.
Company name:- PERFECT IT SOLUTION.
Please send my account statement from 1april 2011 to till date via email address.
email id: [protected]@sify.com

Regard AMIT SHARMA ([protected])

I was carrying a credit card - [protected] of ABN Amro Bank till 2003. There was certain outstanding which bank had shown but it was not correct. Hence i had stopped using that card. After discussion it was agreed that payment of Rs 2000 is required to be made.Hi-Tek Syndicate which is authorised by ABN AMRO Bank, came and collected said amount Rs 500 cash vide receipt number 4994 and Rs 1500 cheque - 678634 receipt number 4995.

But now after almost 8 years I came to know that this account has not been setteled and Bank is showing outstanding of Rs 8519 against my credit card.

Would request to pls check the same and correct in your books. In case you need any further input can revert at rash.[protected]@gmail.com or speak to me at 0091-[protected].

I am attaching copies of receipt for your reference.

Dear Mr. trivedi

You should take the step and make an announcement about disowning your daughter as if she is your daughter then the bank would call you and ask for payment.if your daughter has ran away from home you should disown her otherwise you would have to bear all her expenses.

you should send the mail to all the heads, then only you would get a response

I have payment for payment for MTNL bill for month of march through net bamking and
the amount was deducted twice. Please solve this matter.
my MTNL no[protected], CA no -[protected].

My contact no -[protected]