Abn Amro — credit card harassment

THIS LETTER WAS WRITTEN IN 2009 FOR WHICH I AM BEING HARASSED NOW FOR PAYMENT. THEY HAVE NO DECENCY AND MANNERS AS TO HOW TO SPEAK TO CUSTOMERS. YES THEY ARE HOOLIGANS.

17.01.2009

To,
The Manager - Credit Card Client Response Unit.
ABN AMRO Bank N.V.
P.O.Box 418 – GPO
New Delhi -110001

I, A Nanawatty am a holder of your Titanium Credit Card since last two years. (present Card No.5XXX XXX0 XXX5 XX80). Being aggrieved by your service I have no option but to write to you. In the begining I was holding your "Freedom Card". Then I got a call from your representative stating that I was being chosen for " Titanium Card" offer and I would have to pay " ONE TIME" life membership fees of Rs.3000/- - Rs.3500/- for the same which I paid and I was given a Titanium Card of your bank. Subsequently, if you go through my records you will notice that my account was good. In the month of November, 2008, I got my statement dt 17.11.2008 in which Rs.2000/- was debited on account on "Membership Fees". In the end of November, 2008 I again got a call from your Representatives offering me a cheque of Rs.5000/- against points earned by me on the card. She further confirmed my address for delivery of the same. Further she also offered "4 Seasons Club Offer' for Rs.4999/-. which I was hesitant to take. However, your representative was insistent and said that she would give me the offer by debiting my card with Rs.4999/- and if I do not take the offer within one month, the same would be reversed and I would not be entitled to it any more. In the statement dated 17.12.2008 I was debited with Rs.4999/- and AGAIN for MEMBERSHIP FEES of Rs.2000/-. (Total o/s showing Rs.10669/-). I spoke to your representative in the month of December over phone no.[protected] and I was forced to pay Rs.450/- the minimum due amount.(receipt No.KOOMIN 43788 dt.20.12.2008) When I told him about "One Time Life Membership" fees that I was told to pay in the begining and which would not be charged again, and that since I was not interested in the 4 Season offer the entire amount showing outstanding should be reversed, he assured me that he would place a " request" to the bank for the reversal. On 11.01.2009, I got a call from the collection department stating that Rs.10669/- was outstanding. When I provided the details of my earlier conversation in December, I was informed that no such "request" could be made by anyone on my behalf excepting me. I then placed a request with your Customer Care, Kolkata office the same day for the reversal of the entire amount which was charged wrongly.( Request No [protected]). On 14.01.2009, I again got a call from your Delhi office saying that I have to pay Rs.1403/-. I again explained my predicament. This time Mr. Puneet Sharma was on the line.

He assured me that if I pay Rs.1403/- he would personally request the bank to reverse the charges wrongly debited to my account. The minimum amount of Rs.1403/- was paid vide receipt no. KOOMIN 47057 dt 15.01.2009).On 15.01.2009, I was told that the "4 Seasons offer" cannot be cancelled and I have to pay the amount. On the 16th January, 2009, I receive a message stating that only Rs.2000/- Membership Fees has been reversed and nothing else.

I am aggrieved by the following matters :-

1. At the time of offering Titanium Card by falsely representing that the membership Fees was for a Life Time Offer

2. By offering a cheque of Rs.5000/- in November, 2008 which was never received by me.

3. By offering "4 Seasons offer" and not disclosing the correct facts that if taken it cannot be reversed.

4.By making me pay Rs.1853/- on charges which were not leviable.

5. By falsely stating that they have forwarded a request to you for reversal of the charges.

6. By harassing me over phone to pay the charges which I paid under "protest".

If this is the way your Organisation works, which it does I am sorry to say, then I am not interested in keeping your credit card.