Abn Amro — Unjust Charges, Harassment, and Wrongful Damage to Credit History

Address: A/2, SAURABHI, RATNADEEP ROW HOUSE, JAIL ROAD, NASIK ROAD, MAHARASHTRA 422101

To,
The Credit Card Cell / Customer Care
ABN AMRO Bank

Respected Sir/Madam,

I, Mrs. Smita Ravindra Bhadange, am compelled to write this letter after years of harassment, negligence, and financial injustice caused by your bank in relation to an add-on credit card issued to me in 1998.

In 1999, I used the card for a single transaction of Rs. 2, 575/- to purchase a camera. Shockingly, I never received a bill for the said transaction. Out of my own initiative, I followed up with the bank and cleared the payment after two months.

However, instead of closing the matter fairly, your bank imposed unjust penalty charges for nearly 5 years—despite full payment of the principal amount. Finally, under pressure, I was forced to “settle” the account for Rs. 7, 000/-, which was nothing but a harassment payment, and not a genuine liability.

Even after collecting such an unfair amount, your bank wrongfully reported the account as “Settled” to the credit bureau. This has destroyed my credit score and report, causing irreparable financial and reputational damage. For no fault of mine, I have been deprived of the ability to access credit facilities anywhere for years.

This conduct is not only unethical and exploitative, but also in violation of the Consumer Protection Act, 2019, and the RBI’s Fair Practices Code. The responsibility for this injustice lies entirely with ABN AMRO Bank and its customer care department.

Therefore, I demand the following immediate actions:

Rectify my credit report and update the account status from “Settled” to “Closed / Paid in Full.”

Issue a written confirmation and apology acknowledging the wrongful charges and harassment caused.

Ensure corrective measures so that no other customer suffers from such negligence and exploitation.

If the above demands are not met within 15 working days, I will have no option but to:

File a formal complaint with the Banking Ombudsman and the Reserve Bank of India.

Initiate proceedings before the Consumer Court for harassment, financial loss, and mental agony.

Publicly escalate this issue through every available channel until justice is served.

I expect your urgent action and a fair resolution without further delay.

Yours sincerely,
Mrs. Smita Ravindra Bhadange

MAIL ID:- [protected]@gmail.com

Mob.No.[protected]