ABN AMRO Complaints & Reviews

Dear sir,

I am having credit cards of ABN amro bank and ICICI Bank since last 5-6 years, and I used to pay regular payments every time but after due time they are sending statements after due date and imposing financial charges, late payment charges and other taxes, which are not applicable at all,

I wrote to the customer care for the unwanted amount charging on the bills, but their response was not appreaciable, and I stoped to used credit card sinces 2-3 years and even though I paid regular amounts but finally they continued their system of charging huge amount of bill and I stop to pay the money and I requested them to make settlement of account by clearing money.

Even though I do not received any reponse from customer care,

Therefor I wish to Lodge the complaint uner consumer protection act,

Kindly help us to resove the matter.My credit card details as under:

ABN AMRO BANK CREDIT CARD-BARODA
Card No. [protected]
Name : Satyajit Naik

ICICI BANK CREDIT CARD
Credit Card No. [protected]
Name : Satyajit Naik

Thanks in Advance for kind co-operation.

Satyajit Naik
+91 [protected]

:::::::: Origianl Mail:::::::
Arun K <Arun.***@gmail.com>

02/02/2009 07:12 PM

To: [protected]@in.abnamro.com,
[protected]@in.abnamro.com
cc:
Subject: Credit Card Grievance

Hi,

Please find required information for CC & revert asap to close this
issue.

Name: Arun K KK
Credit Card # [protected]XXXX

I had very miserable, frustrating moments with ABN Amro Bank for my Card # [protected]XXXX

During the months of September, October & November, 2008 I received unsolicited calls from ABN Amro Credit Card department requesting to avail a Holiday Package worth INR 4500/- and I have been phone stalked on numerous occasions and bugged me all the time to subscribe to the package, while I was traveling, at home & at office. After several warnings on not to call me, they have not heed to my words.

ABN Amro Credit Card agents even convinced me that once subscribed they would send a brochure which contains all necessary information regarding various options included in the package. They even assured me that if I'm not satisfied with the package they would refund the amount with out any charges. Sheer out of frustration and compulsion I had to subscribe as there is always an option to deny the proposal.

I informed ABN Amro Credit Card Agent that my account would go over-limit with this transaction and informed to wait until the due date, despite that I was charged on the same day.

I have not received the brochure as they promised that it would take no more than 7 working days. When I called the Credit Card department, they transferred to another team which takes care of promotions/ offers. The agent said that they cannot ship the brochure until they do not receive the Credit Card payment for that transaction (INR 4500/-), however, I said that when you have already debited INR
4500/- from my card how come you cannot ship the package, after arguing, I insisted to cancel the request and suggested to revert the transaction. To my utter surprise the agent denied me of doing that
and he claimed that the transaction was placed purely on your request and approval, so they cannot cancel the transaction. The agent was very harsh on me during the call and when demanded, he said that even his team leader or any superior cannot revert the transaction, however he suggested to payback only INR 1500/- and they would charge INR 3000/+ towards cancellation charges & other charges (said they have already paid to concerned Holiday Package Vendor). I outright denied the option and warned them I will not be able to make any other payments towards my credit card; however they did not care much.

The irony is INR 4500 was debited, as per the agent transaction is complete and the package would each in 7days. And I really wonder why they were waiting for my payment to be made before they could ship the package?

Realistically speaking, they should not have hold back the package.

I had literally miserable experience and they have made false promises and cheated on me.
On due date, 27th of November, 2008, I received a call from[protected]‏ threatening me to make the payment immediately and started saying I've involved in fraud and misuse of the card. I would like to get an explanation on what basis you judge I've committed fraud? There was a third person who was on the call, who entered while I was insisting for explanation to cool off things. Good that I've recorded those two calls which reflect how good your Hindi speaking Agents work for you and I've ample proof to show case the *customer service* offered to the customers. And I've a call which would make ABN Amro Bank accountable for and I need an unconditional apology and compensation for pestering. I would submit these call recordings to appropriate authority, if no resolution offered.

My key objectives:
* I need an explanation on fraud & misuse of the card
* I've committed as stated by your reps. And what basis you judge a transaction as fraud ?
* Revert the transaction of 4500/-.
* Cancel all the overdue, and interest charges levied starting from that transaction date.

Regards
Arun


<<<<<<<<< HISTORY OF EMAIL COMM >>>>>>>>>>>>


[protected] Forwarded message[protected]
From: <[protected]@in.abnamro.com>
Date: 2009/3/20
Subject: Re: Fwd: Credit Card Grievance
To: Arun K <Arun.***@gmail.com>



Dear Mr.KK,

We refer to your email dated March 18, 2009.

We thank you for providing eh contact numbers.

We wish to inform that your request regarding the debit from the saving account has been duly noted and referred to the concerned department. An officer from our Service Excellence Unit will be in touch with you in the next six (6) working days.

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.

Yours sincerely,
Vilma Lobo

****************
QUICK TIP
********************************************************************************...⇄
Register for MasterCard SecureCode NOW & ensure safe internet transactions. For details chk your March statement or www.abnamro.co.in
********************************************************************************...⇄
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
********************************************************************************...⇄


Arun K <Arun.***@gmail.com>

18/03/2009 04:05 PM


To: [protected]@in.abnamro.com
cc:
Subject: Re: Fwd: Credit Card Grievance


REF: [protected]

I've updated my contact number and new billing address.

you may reach me at 0-98850-***** (between 3pm-6pm only).

I've stopped the payment because of your service and not due to any
financial crisis at my end.

Banking Ombudsman has acknowledged my request and he would keep us posted.

regards
Arun.


2009/3/18 <[protected]@in.abnamro.com>:
>
> Dear Mr. KK,
>
> We refer to your email dated March 16, 2009.
>
> We apologise for the inconvenience caused during your recent communication
> with the bank.
>
> We wish to confirm that your feedback has been shared with the concerned
> unit Manager and we assure you that corrective actions have been initiated
> to avoid any such recurrences.
>
> Please note that since we have not received the payment for the captioned
> account, we have debited your Bank Account with us to regularize the
> outstanding which was overdue. This is as per the terms and conditions of
> the card member agreement document which had been sent to you as part of the
> card welcome kit.
>
> At the outset we regret the inconvenience caused due to the debit of the
> World Is Yours fee on your account
>
> We have already reversed the World Is Yours offer amount Rs. 4, 500.00 on
> your card account and the reversal is reflecting in your card statement
> dated 07/03/2009.
>
> We wish to inform you that your name is already registered in the ABN Do
> Not Call list.
>
> Please note that your feedback has been shared with the concerned unit and
> we assure you that corrective actions have been initiated to avoid any such
> recurrences.
>
> The finance charges are levied due to non payment of total outstanding
> 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 and this is
> calculated from the date of transaction until the total amount is fully
> repaid.
>
> We regret we will not be able to reverse the finance charges debited on the
> card account.
>
> We request you to make the payment as per the statement of account to avoid
> any further accrual of charges.
>
> We have been unable to contact you at the following numbers available in our
> records :
>
> Office Number:[protected]
> Mobile Number: [protected]
>
> We request you to please write back to confirm your latest contact details
> incase of any change, or alternately advise a right time to contact you to
> enable us to confirm the subject details .
>
> 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,
>
> Manager, Client Response Unit
>
> ****************
> QUICK TIP
> ********************************************************************************...⇄
> Register for MasterCard SecureCode NOW & ensure safe internet transactions.
> For details chk your March statement or www.abnamro.co.in
> ********************************************************************************...⇄
> 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
> ********************************************************************************...⇄
>
>
> Arun K <Arun.***@gmail.com>
>
> 03/16/2009 05:04 PM
>
>
> To: [protected]@rbi.org.in
> cc: [protected]@in.abnamro.com
> Subject: Fwd: Credit Card Grievance
>
>
> Respected Sir,
>
> Please find required information to get an insight of my concerns:
>
> My Name: Arun K K.
> Credit Card Issuer: ABN Amro Bank
> My Card Number:[protected]XXXX
>
> ABN Amro Bank Reference Numbers: [protected], [protected]
>
> I've cooperated with ABN Amro Bank to extreme levels and waited for
> considerable time for a resolution, however, they are taking my
> concerns as granted. I request your guidance in this regard.
>
>
> I am using ABN Amro Credit Card[protected]XXXX) it was a
> challenging time dealing with Customer Service Representatives of the
> above service provider.
>
> During their promotion of “World Is Yours Voucher" scheme, they have
> phone stalked on numerous occasions. I’ve been mental-agony and phones
> stalked by these guys during the months of September, October and
> November, 2008 as I work in night shifts and sleep most part of the
> day. They did not heed to my words to stop making any calls.
>
> At last, due to sheer out of frustration and to stop those irritating
> calls during my sleep, I had to subscribe (Please read the following
> trail mail to better understanding of the issue).
>
> I waited for the Voucher which I did not receive, so that I could
> cancel it. When I called Customer Service, they informed me that I’ve
> to settle the amount through cash even though the amount has been
> debited from my Credit Card.
>
> After many phone calls, no one offered me assistance in dealing this
> issue and even I threatened the representatives that I would stop
> making any kind of payments until this is taken care off.
>
> Later, when I was not paying the Minimum Due Payment and my credit was
> going over-limit, then they started the feeling the pain (Obviously
> because, I stopped payments!). well, after sending emails to ABN Amro
> Credit Card Grievance services, they started to offer me “Waive offs”
> and “service gestures” to pacify me.
>
> In one of the email responses, they stated that, the rude behavior of
> the Representative was an “Aberration” but they failed to explain me
> what that means???
>
> I can produce evidence of numerous gullible consumers who fall prey to
> this Bank; especially because of their Reps behavior observed during
> the promotion of “World Is Yours Voucher" scheme. I’ve read lot more
> about ABN Amro Credit Card complaints all through the Public Forums.
> I’m negotiating with at least one of the victims (“World Is Yours
> Voucher" scheme), who would stand by me to prove my statements.
>
> Bottom line is, so called Aberration will not hold good.
>
> Well, they have reverted the Rs 4500/- charge towards the scheme but
> they have not reversed the Interest charges and other finance charges,
> because they have debited Rs 28, 000/- from my Savings Account, though
> I’ve not acknowledged it. (Reason: The CC is linked with Savings
> account) so, they don’t really need to negotiate/ pacify further,
> because they got all that Interest and overdue charges through my
> savings account. And they can sit and relax until next month so that
> can debit some more amount again!
>
> I request RBI Banking Ombudsman to study my grievance and provide
> appropriate opinion.
>
> - Apology letter from the ABN Amro Bank
> - Cancel all overdue, and interest charges levied from that
> last
> transaction date.
> - I need an explanation on fraud and misuse of the card I’ve
> committed
> as stated by the representatives.
>
> I can also produce at least one phone call which I’ve recorded during
> one of the conversations with ABN Amro Credit Card representative for
> better understanding of Customer Service offered. I'll be soon
> approaching Consume District Forum depending upon your opinion.
>
> Please find all the history of the entire episode for your better
> understanding as trail mail.
>
> Carbon Copy: [protected]@in.abnamro.com
>
>
> Thanks and regards
> Arun K K
>
>
>[protected] Forwarded message[protected]
> From: Arun K <Arun.***@gmail.com>
> Date: Sun, Feb 15, 2009 at 10:27 PM
> Subject: Re: Credit Card Grievance
> To: [protected]@in.abnamro.com, vikas.[protected]@in.abnamro.com
>
>
> Ref: [protected]
>
> I really wonder if you trying to resolve my issues or you keep trying
> to pacify me with these cheap offers like "waive offs, service
> gestures" and I assume that's too late for an offer.
>
> I still don't see any explanation of my previous email and still awaiting.
>
> I need an explanation on who has authorized or acknowledged for these
> transactions on my savings A/c 1355XXX.
>
> Date 31/01/2009
> T/F to CC: [protected]XXXX
> Debit INR 9, 400.00
>
> Date: 19/01/2009
> T/F to CC: [protected]XXXX
> Debit INR 1, 242.86
>
> I'm forwarding similar email to Banking Dept for an explanation.
>
> If see any transactions with out my acknowledgement towards Credit
> Card payment from the above savings account prior to addressing my
> concerns, I assume that you are asking for more. This would be my last
> email reply and the next course of action/response would be through
> Consumer Court/ RBI and I'm working on this as I write this email.
>
> Time and again I'm saying I owe you money...you have tested enough of
> my patience and determination.
>
> Regards
> Arun
>
>
> On Tue, Feb 10, 2009 at 5:11 AM, <[protected]@in.abnamro.com> wrote:
>>
>> Dear Mr. KK,
>>
>> We refer to your email dated February 09, 2009 addressed to Ms. Renu
>> Joshi.
>>
>> We would like to inform you that as per our records, the World Is Yours
>> offer voucher was delivered at your mailing address on December 04, 2008
>>
>> The World Is Yours offer fee of Rs 4500.00 will be reversed along with
>> associated service tax as a service gesture and credit of the same will
>> reflect in the next statement dated March 07, 2009.
>>
>> We have been receiving the payments less than the total amount due as
>> indicated in your account statements and therefore, finance charges have
>> been accumulated on your account.
>>
>> We would like to clarify that interest on any retail transaction is levied
>> if the total outstanding is not paid within due date and this is
>> calculated
>> from the date of transaction until the total amount is fully repaid.
>>
>> Please note that we have not received the payment as per statement dated
>> December 2008 and January 2009 on your card and therefore, charges have
>> been
>> accrued on your card.
>>
>> We regret that we will not be able to reverse the charges on your card
>> account due to non payment of dues within the due date.
>>
>> 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,
>>
>> Manager, Client Response Unit
>>
>> ****************
>> QUICK TIP
>>
>> ********************************************************************************...⇄
>> 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
>>
>> ********************************************************************************...⇄
>>
>>
>> Arun K <Arun.***@gmail.com>
>>
>> 09/02/2009 04:51 AM
>>
>> To
>> renu.[protected]@in.abnamro.com
>> cc
>> [protected]@in.abnamro.com
>> Subject
>> Re: Credit Card Grievance
>>
>>
>>
>>
>> Hi,
>>
>> Ref# [protected]
>>
>> I not begging you people for any kind of apology, however I need
>> immediate solution by reversal of all Over-due charges, Interest and
>> other finance charges from the date of voucher transaction.
>>
>> I've not received "World Is Yours Voucher" till date as stated, please
>> cross check and revert.
>>
>> I wonder what "Aberration" means as per your statement and I am sure
>> this aberration will be encountered by most of the customers and you
>> still say it as aberration.
>>
>> I really don't care if you file a case/complain with RBI, or lodge a
>> criminal case. I've ample proof what your bank and your customer
>> service has been up to.
>>
>> Bottom line is I'm not trying to evade your Money; I'll pay it minus
>> the charges mentioned above.
>>
>> I can't spare time in dealing with this anymore and I may have to
>> assign this task to some one more authoritative if not resolved.
>>
>>
>> Regards,
>> Arun
>>
>>
>>
>> 2009/2/3 <[protected]@in.abnamro.com>:
>>>
>>> Dear Mr. KK,
>>>
>>> We refer to your email dated February 02, 2009.
>>>
>>> We apologize for the inconvenience caused during your recent interaction
>>> with the bank. Request you to view this incident as an aberration and not
>>> representative of our services.
>>>
>>> As part of our constant endeavour to provide our customers with excellent
>>> service, we keep introducing new products and services. To make our
>>> customers aware of the same, we convey such information via phone, letter
>>> or
>>> e-mail.
>>>
>>> We appreciate that you may not wish to be contacted for our telemarketing
>>> services. Basis your feedback we have updated your account in our do not
>>> call list.
>>>
>>> However, please note that this will be implemented within 30 days.
>>>
>>> We will appreciate your cooperation in this regard.
>>>
>>> We would like to clarify that late charges have been levied due to non
>>> payment of minimum amount due and Finance Charges are applicable on your
>>> previous outstanding and your fresh purchases if the payment is not made
>>> in
>>> full for your previous statement.
>>>
>>> We would also like to clarify that the over limit charges are levied due
>>> to
>>> over usage of the assigned credit limit .We would also like to clarify
>>> that
>>> the transaction for the over limit are authorized up to the specific
>>> limit
>>> to avoid any inconvenience to you while using the card.
>>>
>>> Therefore, please accept our inability in reversing the same.
>>>
>>> We request you to make payment as per statement of accounts to avoid any
>>> further charges.
>>>
>>> We would like to inform you that as per our records we have delivered
>>> World
>>> Is Yours Voucher at your preferred mailing address on December 04, 2008.
>>>
>>> We would like to clarify that as per the process we require the voucher
>>> for
>>> the cancellation of the same. We request you to please send the voucher
>>> on
>>> the address mentioned below:
>>>
>>> Manager - Operation
>>> Service Excellence Centre
>>> ABN AMRO Bank
>>> B 148, Sector 10
>>> Noida - 201301
>>>
>>> Post receipt of said voucher relevant reversal will be processed on your
>>> card account.
>>>
>>> We will appreciate your cooperation in this regard.
>>>
>>> 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,
>>>
>>> Manager, Client Response Unit
>>>
>>> ****************
>>> QUICK TIP
>>>
>>>
>>> ********************************************************************************...⇄
>>> 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
>>>
>>>
>>> ********************************************************************************...⇄
>>>
>>>
>>> Arun K <Arun.***@gmail.com>
>>>
>>> 02/02/2009 07:12 PM
>>>
>>>
>>> To: [protected]@in.abnamro.com,
>>> [protected]@in.abnamro.com
>>> cc:
>>> Subject: Credit Card Grievance
>>>
>>>
>>> Hi,
>>>
>>> Please find required information for CC & revert asap to close this
>>> issue.
>>>
>>> Name: Arun K KK
>>> Credit Card # [protected]XXXX
>>>
>>> I had very miserable, frustrating moments with ABN Amro Bank for my
>>> Card # [protected]XXXX
>>>
>>> During the months of September, October & November, 2008 I received
>>> unsolicited calls from ABN Amro Credit Card department requesting to
>>> avail a Holiday Package worth INR 4500/- and I have been phone stalked
>>> on numerous occasions and bugged me all the time to subscribe to the
>>> package, while I was traveling, at home & at office. After several
>>> warnings on not to call me, they have not heed to my words.
>>>
>>> ABN Amro Credit Card agents even convinced me that once subscribed
>>> they would send a brochure which contains all necessary information
>>> regarding various options included in the package. They even assured
>>> me that if I'm not satisfied with the package they would refund the
>>> amount with out any charges. Sheer out of frustration and compulsion I
>>> had to subscribe as there is always an option to deny the proposal.
>>>
>>> I informed ABN Amro Credit Card Agent that my account would go
>>> over-limit with this transaction and informed to wait until the due
>>> date, despite that I was charged on the same day.
>>>
>>> I have not received the brochure as they promised that it would take
>>> no more than 7 working days. When I called the Credit Card department,
>>> they transferred to another team which takes care of promotions/
>>> offers. The agent said that they cannot ship the brochure until they
>>> do not receive the Credit Card payment for that transaction (INR
>>> 4500/-), however, I said that when you have already debited INR
>>> 4500/- from my card how come you cannot ship the package, after
>>> arguing, I insisted to cancel the request and suggested to revert the
>>> transaction. To my utter surprise the agent denied me of doing that
>>> and he claimed that the transaction was placed purely on your request
>>> and approval, so they cannot cancel the transaction. The agent was
>>> very harsh on me during the call and when demanded, he said that even
>>> his team leader or any superior cannot revert the transaction, however
>>> he suggested to payback only INR 1500/- and they would charge INR
>>> 3000/+ towards cancellation charges & other charges (said they have
>>> already paid to concerned Holiday Package Vendor). I outright denied
>>> the option and warned them I will not be able to make any other
>>> payments towards my credit card; however they did not care much.
>>>
>>> The irony is INR 4500 was debited, as per the agent transaction is
>>> complete and the package would reach in 7days. And I really wonder why
>>> they were waiting for my payment to be made before they could ship the
>>> package?
>>>
>>> Realistically speaking, they should not have hold back the package.
>>>
>>> I had literally miserable experience and they have made false promises
>>> and cheated on me.
>>>
>>> On due date, 27th of November, 2008, I received a call from
>>>[protected]‏ threatening me to make the payment immediately and
>>> started saying I've involved in fraud and misuse of the card. I would
>>> like to get an explanation on what basis you judge I've committed
>>> fraud? There was a third person who was on the call, who entered while
>>> I was insisting for explanation to cool off things. Good that I've
>>> recorded those two calls which reflect how good your Hindi speaking
>>> Agents work for you and I've ample proof to show case the *customer
>>> service* offered to the customers. And I've a call which would make
>>> ABN Amro Bank accountable for and I need an unconditional apology and
>>> compensation for pestering. I would submit these call recordings to
>>> appropriate authority, if no resolution offered.
>>>
>>> My key objectives:
>>> * I need an explanation on fraud & misuse of the card
>>> I've
>>> committed
>>> as stated by your reps. And what basis you judge a transaction as
>>> fraud ?
>>> * Revert the transaction of 4500/-.
>>> * Cancel all the overdue, and interest charges levied
>>> starting from
>>> that transaction date.
>>>
>>>
>>> Regards
>>> Arun
>>>
>>>
>>>
>>>
>>>
>>>[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]
>>
>
>

Dear Sir,

I received a promotion call from ABN AMRO marketing executive that they are giving a gift voucher or coupons for 30% discount on makemytrip tours, and they said that this will be charged as and when we use. But they have debited an amount of Rs.5000.00 in my card which was not intimated to me on 29.03.2009. When I knew this I immediately called the customer service and checked and I told them the fact, now this is arguing with me that i have given the confirmation to debit, but I am very sure that I did not. He offered me a discount of Rs. 1250 on that amount and said it will be reversed. Which I dont want to accept. Apart from this they have also put a overlimt charge for the amount 600.00. This is absolutely a fradulent practice and I never expected this kind of double standard.

Now i need to file an official complaint on ABN AMRO where they claim that they have my voice recorded, which is not true.

How do I proceed, Please help.

Dear Sir,

I was an employee of ANB Amro Bank, Narinam Point Mumbai. I Joined ABN Amro in May 2003 and resigned on June 2007. My initial emp code was 6359 and later on it changed to 10254.
After asking about my pf account no to my employer they informed my emp code is my pf account number and the amount has been deposited to PF Trust of ABN Amro Bank.

Since then I am continuously following with ABN Amro but they are not showing interests to return my PF; I have submitted pf withdrawl forms twice to ABN Amro but no reply has been given.

Few days back I called ABN HR and they informed that my notice period balance is due as I left the organisation with lesser notice period. Here I want to inform that I left the organisation as my reporting boss was not supporting in my business and wanted my resignation.

My question is
1) Can ABN Amro hold my PF amount against my Notice period balance due?
2) I resigned ABN Amro as my boss created mental pressure to resign then why Notice period question arrissing to pay PF balance?

Request your strict action against ABN Amro to release my PF dues.

Regards,
Biswajit Mitra
[protected]

DEAR SIR,

I AM REGULAR USER AND ALSO REGULAR PAYER OF ABN AMRO BANK CREDIT CARDS SINCE FROM 2005.

MY ACTUAL PROBLEM BELONGS TO REGARDING COMPANYS WRONG CHARGES FOR LATE PAYMENT AND ON INTREST CHARGES.

I AM NOT GETTING STATEMENTS FROM BANK SINCE FROM OCT'08. SO IF I AM NOT GETTING ANY STMNTS. HOW CAN I MAKE PAYMENT? I NEVER GOT ANY REMINDER CALL FOR MY O/S OR ANY NOTICE SINCE MARCH09 ...IS THIS CORRECT PRACTICE FROM BANK SIDE. IN MARCH 09 I GOT A CALL SUDDENLY FROM ABN AMRO BANK - DELHI OFFICE SAYING THAT YOUR TOTAL O/S IS MORE THEN 13000/- WITH HUGE LATE CHARGES/INTREST CHARGES. SO AT THAT TIME I HAVE COMPLAINT FOR SAME TO THAT OFFICIAL THEN HE SEND ME EMAIL STATEMENTS FOR SAME.
IN THAT I FOUND THAT BANK HAS REDUCED MY CREDIT LIMIT FROM 25000 TO 18000 FOR NOTHING. THEY HAVE DEBITED MY 2700 REWARDS POINT WHICH I GAINED THREW MY PURCHASE AND PAYMENTS WITH IN PERIOD OF MY USAGE OF CARD SINCE FROM 2005.EVEN DEBITING THIS REWARD POINT BANK DIDNT GIVE ME ANY SINGLE PAISA CREDIT AGAINST THIS ADJUSTMENT OF REWARDS POINT.
I HAVE ALSO COMPLAINT TO BANK'S CUSTOMER CARE DEPT., ALSO MAILED TO CARD SERVICES OPERATIONS AND THEY HAVE RESPONSE ME WITH VERY RUDE ATTITUDE BY SAYING THAT THEY CAN NOT WAIVE OFF SINGLE OF RUPPEE AND I HAVE TO PAY ALL O/S.

SIR, I AM READY TO PAY O/S WHICH IS CORRECT AND GENUINE WITH IMMD. EFFECT SO PLEASE HELP ME AND PROTECT MY CONSUMER RIGHTS BY GIVING SOLUTION.

THANKING YOU,

RIKIN SHAH.
AHMEDABAD.
[protected]

I was employed with Mphasis Limited (Formerly EDS Limited) which was registered at Gurgaon, Haryana. I resigned from their services and applied for withdrawal of my PF dues by submitting the required forms with the employer. My employer has confirmed to me that the forms have been submitted to the PF office Gurgaon on 18.11.2008. However, I am yet to receive the refund of my PF dues, nor have I received any intimation from the PF office.

Request if this can be looked into and the amount remitted to me at the earliest.
My pf no. is HR/GGN/25139/1161.

From last 3Years 1 Month, I am requesting to ABN Amro Bank to cancel my credit card but they are not taking my request positively. Now a days, they are saying me that I have some dues and I need to pay, then they will cancel. Actually, I am not getting that why I will pay my dues when I haven't used that card after my cancellation request(24th Feb 2006). This same question I asked them but they informed me that all dues are only due to late fee. But I want to inform you some points -

1. On 24th Feb 2006 I requested ABN Amro customer care executive (by phone and mail) for canceliation of my credit card. But my call was dropped in between and after that I tried 2/3 time then also same thing was happened. Their repsentative asked me about reason and many other thing, I informed her about my problem but she was unable to give me any information. Then I sent a mail to ABN Amro card services.

2. In March first week, they called me on my cell phone and at that time again I told them that I want to cancel my credit card and also asked why the other amount is coming into my bill, but that person was unable to give me complete information.

3. In March I paid all due bills as I requested for cancellation on 24 feb, then again in April new bill was generated, then I called them again and requested very gently that "please cancel my card", and then after also in April I paid bill. Then I felt they are not hearing my voice, and I have to take an action.

4. I went to ABN Amro bank branch at MG Road, Pune and asked about my request status but they told me that for credit cards queries, I can contact them through phone-banking only. And really at that point of time I was totally tensed that why I had taken credit card, I pormised my self not to take any credit card in future.

5. In April Mid I called them again, then they told me that for cancellation you need to cut your credit card into piece and drop that in drop-box with signed application. And according to there instruction I did. But after one month they informed me about my dues of April and May and wanted that I will pay. Then I respond them that I already sent you cut card with signed application, and asked them "How are these dues came?". And they informed me that they didn't get any cut card. In this case what can I do, if they are not getting any envolope from their own drop box.

I have all proofs of whatever communication I did (all mail and written communications). They are using rough language and mentally harashing me. I am completely in pathetic situation. Please help me.

Re: Regards:AAB credit card & loan extra charges ///[protected]Sunday, 8 March, 2009 8:48 AM
From: "[protected]@in.abnamro.com" <[protected]@in.abnamro.com>Add sender to ContactsTo: "Saurabh Trivedi" <[protected]@yahoo.co.in>
Dear Mr. Trivedi,

This is in reference to your email dated March 05, 2009.

We have taken a note of your request and the same has been forwarded to the concerned department. We will revert to you shortly.

We will appreciate your patience and co-operation in this regard.

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,
Cardservices

****************
QUICK TIP
********************************************************************************...⇄
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
********************************************************************************...⇄


Saurabh Trivedi <[protected]@yahoo.co.in>
03/05/2009 03:57 PM
To [protected]@in.abnamro.com
cc
Subject Re: Regards:AAB credit card & loan extra charges ///[protected]







I am not satisfied from your response & now you will not get a single penny from me & i will launch a fraud case against you.

--- On Tue, 3/3/09, [protected]@in.abnamro.com <[protected]@in.abnamro.com> wrote:

From: [protected]@in.abnamro.com <[protected]@in.abnamro.com>
Subject: Re: Regards:AAB credit card & loan extra charges ///[protected]
To: [protected]@yahoo.co.in
Date: Tuesday, 3 March, 2009, 10:35 AM


Dear Mr. Trivedi,

This is in reference to your email dated February 25, 2009.

We express our inability to offer you settlement on your card as well as loan account.

We wish to inform you that we have reviewed your case and have observed that although you have been making the payments for the transactions incurred by you, the payments on the account have not been satisfying the outstanding balance on your credit card and hence there is an accrual of finance charges.

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 express our inability to reverse any charges on your card account.

We would like to inform you that total outstanding on your card account is Rs .41, 817.09.

We will like to inform you that Late Payment Fee is charged if either there has been no payment or a payment less than the EMI amount is received by the payment due date.

We will like to clarify that the easy cash loan was offered to you at an emi of Rs.4, 679.00 . This formed the tad on your account. However since we did not receive the payment of the amount due, late payment fee has been levied resulting in an increase in the TAD.

Since the subsequent payments have not satisfied the total amount due this has further lead to the levy of the late payment fee.

We express our inability to reverse late fee on your loan 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,
A
Cardservices

****************
QUICK TIP
********************************************************************************...⇄
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
********************************************************************************...⇄


Saurabh Trivedi <[protected]@yahoo.co.in>
25/02/2009 05:47 PM
Please respond to
[protected]@yahoo.co.in

To [protected]@in.abnamro.com
cc
Subject Re: Regards:AAB credit card & loan extra charges ///[protected]









I haven't got any call from you & i am going to take it to the COURT.



--- On Fri, 20/2/09, [protected]@in.abnamro.com <[protected]@in.abnamro.com> wrote:
From: [protected]@in.abnamro.com <[protected]@in.abnamro.com>
Subject: Re: Regards:AAB credit card & loan extra charges ///[protected]
To: [protected]@yahoo.co.in
Date: Friday, 20 February, 2009, 9:13 AM


Dear Mr. Trivedi,

This in reference to your email dated February 18, 2009.

We have referred the matter to our concerned department and will revert to you within the next 5 working days.

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,

Cardservices

****************
QUICK TIP
********************************************************************************...⇄
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
********************************************************************************...⇄


Saurabh Trivedi <[protected]@yahoo.co.in>
02/18/2009 06:37 PM
Please respond to
[protected]@yahoo.co.in

To [protected]@in.abnamro.com
cc [protected]@yahoo.co.in
Subject Regards:AAB credit card & loan extra charges











Hi,
I am Saurabh Trivedi & My credit card no. is [protected] & my Easy cash loan account no. [protected]. I want to inform you that i have already paid around 15000 to Abn Amro for my credit card payment & i am already paying my loan amount as well everymonth, still you have charged extera 15000 approximately on credit card & you put around 2000 extra on my loan accont. I am not gonna to pay you a single penny till the time you don't wave off 15000 extera charges on my credit card because i lost my job as well, i want a final settlement. Please stop mentally harrasing me by increasing the extera amount. ABN AMRO bank is pushing me to commit suicide.

My mobile No: [protected]

Thanx with Regards: Saurabh Trivedi
































































































&n bsp;



















































































































[protected][protected][protected][protected]
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[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]
Add more friends to your messenger and enjoy! Invite them now.


[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]
Add more friends to your messenger and enjoy! Invite them now.


[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]

my credit card no is [protected]
i have paid my credit card payment by sattelment through advocate...and paid my payment
but my name in the defaulter list is see still today so plz remove my name in the defaulter list nd plz fast relply nd solve this problem as fast as possible
plz check my payment details
date 29/01/07 reciept no. 2756 payment 5000 cash
date 28/02/07 reciept no. 2759 payment 4000 cash
date 31/03/07 receipt no. 2767 payment 4300 cash
total payment 13300 rs cash paid
so plz reply fast as soon as possible nd remove name of the data

I MR. GAUTAM DE HOLDING AN ABN AMRO CREDIT CARD NO.: [protected]
VALID FROM 07/06 AND VALID THRU 08/09.
THE PROBLEM STARTED IN THEIR STATEMENT PERIOD 13/10/2008 TO 12/11/2008.
WHERE THEY CHARGED ME WITH PREMIER CLUB & SUPREME EXPERIENCE
OFFERALONG WITH DINNING PLUS FEE DB A SEVICE TAX TOTAL
AMOUNTING TO RS.5, 055.07. WHERE I DID NOT APPLY/AGREE TO ANY SUCH OFFERS.
I COMPLAINED ABOUT THE SAME TO THEIR CUSTOMER CARE SERVICES WITH REQUEST
NO. [protected] THEY SAID THAT THE SAME WILL BE REVERSED
REFLECT IN MY NEXT STATEMENT. THEY REVERSED THE AMOUNT IN THEIR NEXT
STATEMENT BUT CHARGED ME WITH LATE FEE & FINANCECHARGE AMOUNTING TO
RS.1562.28 I AGAIN I CALLED THEIR CUSTOMER CARE & REQUEST NO.
[protected] DATED 29/01/2009 &AGAIN THEY PROMISED TO CLEAR MY
ACCOUNTS & SEND ME A CLEAR STATEMENT NEXT MONTH.NEXT MONTH IN THEIR
STATEMENT PERIOD 13/01/2009 TO 12/02/2009 THEY AGAIN CHARGED RS.877.73
REASON: LATE FEE & FINANCE CHGS. I COMPLAINED &THEY ISSUED
ANOTHER REQUEST NO. [protected] ON 28/02/2009 & THEY ASSURED ME THAT
THE WHOLE THING WILL BE RESOLVED IN MY NEXT STATEMENT BUT AGAIN IN THE
MONTH OF MARCH'09 THEY HAVE SENT ME ANOTHER BILL AMOUNTING TO RS.1202.13.
THE WHOLE EPISODE IS THAT WITHOUT PURCHASING A SINGLE PRODUCT USING THEIR
CARD THEY ARE SENDING FICTIOUS BILLS AND CLAIMING MONEY. I HAVE
COMPLAINED ABOUT THE SAME SEVERAL TIMES FOR RECTIFICATION OF THEIR
ACCOUNTS BUT UNFORTUNATELY IT HAS FALLEN ON DEAF EARS.
Consequences : I AM BEING HARRASED BY THEIR TELECALLERS FOR MY OUTSTANDING
DUES SEVERAL TIMES. IAM A BUSINESS PERSON AND MY REPUTATION IS BEING
DAMAGEDREGARDING THIER FALSE CLAIM.

Dear Forum

I Srinivasa Rao Boddapati having the ABN Amro Credit card bearing no. [protected] has been stop transacting since 2 months.

Today I had received an SMS stating that your a/c has been debited with an amount of Rs. 5434.11 for which i had not transacted for.

Therefore kindly see to that to how I need to mitigate this problem.

Awaiting for your action at the earliest.

Thanks in advance.

Regards
Srinivasa Rao Boddapati
Ph.no. [protected]
email address: bsrao.[protected]@gmail.com

I own two ABN AMRO credit cards bearing[protected], and[protected], one is a gold card and other is a freedom car, the Bank has issued a letter dated 21 November 2008, stating that the combined credit limit is 1.06, 000 on both cards. Now they have blocked my both cards since I had not paid for some time. But from last three months my combined balance on both cards have been brought down to Rs. 40, 000/- Recently I requested the bank people to activate my cards so that I can start transaction on any one card, but they are not allowing me to do so. what is the way out in this situation. Hope yo will help me out in this regard

Even after the involvement of RBI to control the recesion problems, banks like ABN AMRO still taking attitude to make suffer the cutomers.even after giving lot of directives from Finance Ministry to the banks, we find that the banks are still not reducing the home loan interest rates.

Though SBI PLR as at 1st Jan 2009 stands at 12.25%, ABN Amro Bank is still maintaining ABN PLR at 12.75% . Please mkae aware about this facts to all cutomers, so that people should aware this fraudness of banks

To
The Manager,

I wish to inform that Abn amro bank has given me dining plus card without my requirement and for that they have raised a bill for Rs 6000/-.Regarding that i have called there customer care they told me that they will rectify it but till today they have not done any thing few month ago i have sended my credit card and dining card to there Head office at Noida.but till today they are asking me to pay the amount for the card.

Since i have not requested them to give me extra card so i am not liable to pay.so i wish to lodge complaint against them for demanding and unused bill amount.kindly suggest me what i do

Dear Sir/Madam,

Few years ago I used Abn Amro bank credit card. I made the payment in time but due to the bank mistake they credited my payment late. the result of this was that they charged me interest & late payment. but I had made the payment in time & that was not my fault & I sent many mails to bank to the bank but received no reply.
Then there collection guy started teasing me & to get rid of them I made the payment.
Now that was not my fault & even then I made the extra payment & the bank has given my name in cibel default list.
You can check I had a lot of card & I made all the payment accordingly.
Plz sir look into the matter.
Yours Truely

Dear Pehredar Team,

ABN AMRO Bank – Credit Card - Claiming Payment for Unused Card

In 2006 I have applied for ABN AMRO Credit Card, with an agent who came to our office with bundle of offers..
a) Lifetime free
b) Rs. 5000 Gift Vouchers
c) Travel Ticket for GOA
d) First Year Free Medical Insurance

Lured by the offer I have applied for the card, giving my old...

I have been provided with incorrect and false informantion regarding your 4 seasons offer by ABN AMRO bank and my consent for understanding of the offer was misutilized as my consent for accepting the offer. I was even told that this offer is valid in places like Mumbai and Delhi, but when I checked it with the bank's site it was completely different from what was told on the phone.

I immediately called the customer care (date 06/02/2009) about this foul play and repeatedly asked NOT to charge or commit this transaction on my card. Despite the assureance from the customer care that no charges will be levied, I am charged with offer price.

Even worse was when I called the customer care to enquire regarding the charges, I was informed that there was no request placed for the cancellation of the charges.

QUERIES REMAIN UNANSWERED:

>Whether the CONSUMER will be informed by the BANK in regard of the REVISIONS of the IAF Form done by the BANK

>Or else the CONSUMER has to approach the BANK, each time for seeking information in regard of REVISIONS done in the IAF Form by the BANK. So that the CONSUMER could update the NEW IAF Form for making NEW INVESTMENTS.

> If there is any DISCREPANCY in the INVESTMENT PRO FILER FORM the same is destroyed & a NEW INVESTMENT PRO FILER FORM needs to be filled again by the CONSUMER if the CONSUMER ASKS ABOUT THE DISCREPANCY HE IS NOT INFORMED ABOUT THE SAME

EXCERPTS OF THE COMMUNICATIONS BY ABN AMRO BANK:


[protected] Original message[protected]
From:[protected]@in.abnamro.com< [protected]@in.abnamro.com >
Cc:sharoni.[protected]@in.abnamro.com
Date: 07 Jan 09 11:00:27
Subject: You r Banking Relationship With ABN Amro Bank-R[protected]
To: "ROSHAAN"


Dear Mr. Mahbubani,

This is with reference to your e-mail dated December 29, 2008 addressed to Ms. Sharoni Pal, regarding your concerns on your banking relationship with us.

At the outset please accept our sincere gratitude for the time taken and effort made by you, in sharing your concerns with us. Further to your discussion with Ms. Sharoni Pal, we wish to inform you that IAF (Investment Application Form) is an account opening form to open an account with the bank for investment services.

We regret to note that your experience has not been commensurate with what we strive to provide. It is our endeavour at ABN Amro Bank to provide high levels of customer service. It is feedback from customers such as yourselves which goes a long way towards achieving this goal.

We hope the above addresses your concerns appropriately and the matter stands resolved to your complete satisfaction.

However, should you require any further assistance, please feel free to contact us by e-mailing us on in.[protected]@in.abnamro.com or alternatively by calling our 24 hour Bank-By-Phone service on 2491 4001.

Please quote R[protected] as reference when you contact us regarding the same.

Assuring you of our best services at all times.


Yours Sincerely,


Hiral Kaup
Asst. Vice President
Head- Regional Communication Centre, West
Consumer Banking
ABN AMRO Bank, N.V, India
Email : [protected]@in.abnamro.com
Website: www.abnamro.co.in

[protected] Original message[protected]
From:[protected]@in.abnamro.com< [protected]@in.abnamro.com > Cc:sharoni.[protected]@in.abnamro.com
Date: 13 Jan 09 11:48:43
Subject: RE:Your Banking Relationship With ABN Amro
Bank-R[protected]
To: "ROSHAAN"

Dear Mr. Mahbubani,

This is with reference to your e-mail dated January 09, 2009 in response to our e-mail of the same date.

At the outset please accept our sincere gratitude for the time taken and effort made by you, in sharing your concerns with us.

We wish to once again inform you that the IAF (Investment Application Form) is an account opening form to open an account with the bank for investment services.

Regarding your concerns on the discrepant forms, we wish to advise that discrepant forms are destroyed in the absence of a resolution post teleconfirmation with the client. However it seems due to an oversight this call was not made prior to destruction of the form. We regret for the same.

With reference to your request for hard copies of the Banks policy, we wish to inform you that this is in line with the Banks internal guidelines.

We hope the above addresses your concerns appropriately and the matter stands resolved to your complete satisfaction.

However, should you require any further assistance, please feel free to contact us by e-mailing us on in.servic [protected]@in.abnamro.com or alternately by calling our 24 hour Bank-By-Phone service on 2491 4001.

Please quote R[protected] as reference when you contact us regarding the same.

Assuring you of our best services at all times.

Yours Sincerely,


Hiral Kaup
Asst. Vice President
Head- Regional Communication Centre, West
Consumer Banking ABN AMRO Bank, N.V, India
Email : [protected]@in.abnamro.com
Website: www.abnamro.co.in

[protected] Original message[protected]
From:[protected]@in.abnamro.com< [protected]@in.abnamro.com > Cc:sharoni.[protected]@in.abnamro.com
Date: 27 Jan 09 18:05:29
Subject: Your Banking Relationship With ABN Amro Bank-R[protected]
To: "ROSHAAN"

Dear Mr. Mahbubani,

This is with reference to your e-mail dated January 15, 2009 in response to our e-mail dated January 13, 2009.

At the outset please accept our sincere gratitude for the time taken and effort made by you, in sharing your concerns with us.

We wish to inform you that the Banks policy guidelines are internal to the bank. The bank is not bound to share its internal guidelines with its customers.

We do not wish to pursue this matter any further and hence treat this matter as closed in our records.


Yours Sincerely,


Hiral Kaup

Asst. Vice President
Head- Regional Communication Centre, West
Consumer Banking
ABN AMRO Ban k, N.V, India
Email : [protected]@in.abnamro.com
Website: www.abnamro.co.in


[protected] Original message[protected]
From:[protected]@in.abnamro.com< [protected]@in.abnamro.com > Cc:sharoni.[protected]@in.abnamro.com
Date: 04 Feb 09 10:44:39
Re: Your Banking Relationship With ABN Amro Bank-R[protected]
To: "ROSHAAN"


Dear Mr. Mahbubani,

This is with reference to your e-mail dated January 30, 2009 regarding your
banking relationship with us.

At the outset please accept our sincere gratitude for the time taken and effort made by you, in sharing your concerns with us.

We wish to once again inform you that the IAF (Investment Application Form) is an account opening form to open an account with the bank for investment services and is mandatory requirement.

Please refer the attached excerpt from the Bank’s policy regarding the same.

“Customers who are investing in Investment products (like 3rd party Mutual Funds, Government Bonds, etc) need to sign-up the New “Investment Account Form” (IAF) to initiate a relationship with the Bank.

The IAF includes:
Static details of the customer
Risk disclosure statement and understanding of the nature of investment products being purchase/ sold by the customer
Undertaking to indemnify the Bank for any loss or damage suffered due to such investments

The above is a mandatory document and needs to be available for a client prior to offering advisory services.”

We hope the above addresses your concerns appropriately and the matter stands resolved to your complete satisfaction.

However, should you require any further assistance, please feel free to contact us by e-mailing us on in.[protected]@in.abnamro.com or alternately by calling our 24 hour Bank-By-Phone service on 2491 4001.

Please quote R[protected] as reference when you contact us regarding the same.

Assuring you of our best services at all times.

Yours Sincerely,


Hiral Kaup

Asst. Vice President
Head- Regional Communication Centre, West
Consumer Banking
ABN AMRO Bank, N.V, India
Email : [protected]@in.abnamro.com
Website: www.abnamro.co.in

SINCERE EFFORTS MADE BY ABN AMRO BANK FOR PUSHING BACK INDIAN CONSUMERS AND THEIR GRIEVANCES

i had a card and got a settlement of 115000 for the credit card, this was for 6 monthly installments. i could not pay the last installment of some 20000. then after a month on an agency called info services representing them come and tell me that the balance amount is converted to EMI scheme and then pay 11000 for 4 months. i paid three months, then i got suspicious and asked this guy (Prashanth- prop) for a written commitment stating that with the last installment my account comes to a close. then this never happens and he kept saying trust him.
then i managed to get the nos of some ABN guys -direct and they confirm that this is and nothing like this is going to happen.
now they said they are applying for a fresh settlemt and the mena time the agent is harrasing me for min payment and the bank has no clue.

please suggest

Dear Sir,
I have received a Credit Card of M/s ABN Amro Bank in the month of April 2007 and after that in any months I not received any statement of account, and I have the due amount against the amount as stated by the customer care in each and every month before the due date, But always lodged the complaint at the time of payment to the collection Ececutive as well as the Executive of Customer Care.
In the month of September 2008, it has come to my notice that I may collect the statement through website of the Bank, and then I collect each and every month the statement of my Credit Card.

To see the statement from July 2008 ( Before July 2008 statement were not available in website ), it has found that there were so many liabilities debited into my Credit Card Statement without any consent of the concern matters as well as for against that liabilities the finance retail charges, late payment charges, overlimit charges as the case may be were also debited in my account. The totral unwanted amount comes to Rs 19435.14 ( From the period July 2007 to Jly 2008 ) plus I want to know the facts and figures from the first bill April 2007 to June 2007 as I have not seen the statement of account of our Credit Card. After repeated request an amount of Rs 4, 973.20 was reversed and the balance amount comes to Rs 14, 461.94 is still pending for reversal.

About more than 25 letters were being sent to the Customer Care through e mail as well as through Courier also, and in the last, I have decided not to use the credit card in near future from December 2008, about two or three calls daily received on mobile and threading me to pay the amount and in reply when I asked them to send the statement, they always said I have to use only verbal discussion instead of any written reply.

It is requested that you may enquire and asked to ABN Amro Bank that he may send me the copies of Statement from April 2007 to June 2007 as well a prejudise necessary action to solve this problems may be made at the earliest time, so that I may not be harressed more by the Bank.

Thanking You,
The Complainant, Syed Qamar Abid, ES 1B-575, Sec A Ph. 2, Sitapur Road Scheme, Lucknow.