American Express India — charges being applied 4 months after the card is cancelled and discarded

kruti mehta

Address:

Head of Customer Service American Express Banking Corp. Cyber City, Tower C, DLF Bldg No.8 Sector 25, DLF City Ph II Gurgaon – 122002 (Haryana)

Date of incident : on going since 16th january 2019
Customer name : kruti dilip mehta

I had called american express in september 2019 and followed the right set of procedure to cancel my card because i was not ok with the membership fee
I was told to discard the card and the card has been disabled since october 2019.

American express when ahead and added a charge on my card on 16th january 2020 because they reversed the fee twice.
This fee is no where visible in my statements
This was applied as american express, as they failed to tally my account properly before closure
I had ensured to clear all my pending charges reflecting on the account before card disposal

Since then they have been harassing me and putting latepayment on this card for the last 5 months
They have blocked all my personal card to see or download my statements

Till date there is no explanation or accountability for their mistake on their side where they have been applying wrong credits or bad charges to my account since january
This card status is cancelled fyi even as they go about applying these charges
Please help

Desirable resolution: they are spoiling my credit score and have harassed me for the last 5 months with various people calling to clear the credit but no body in amerian express taking ownership of their mistake. I should not be accountable for their tally mistakes and be mentally harassed with them putting charges left right center on a cancelled card

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American Express India customer support has been notified about the posted complaint.

Jun 02, 2020

Updated by kruti mehta American express still has no answer for the charges they need to pay the customer for faulting my CIBIL scores unethically. Matter remains unresolved

America express agents failed to provide proper justification why the charges are applied 4 months after card cancellation and disposal. I kept asking statements none which were provided and late payments being slapped on my account. They failed in their systems and procedures for account closure.

This was their fault charges to which were being forced on me
No accountability for the hours and hours I wasted on call and the trauma they caused me because they did not do their job right

I simply ask one question when American Express does not hesitate in putting late payment charges, lets say if 1 month I failed to clear my dues. Would they have accepted a simply sorry on my behalf to clear my dues and let go ?If not why should I for this lapse on their entire system as a whole

What is the charge American Express needs to pay for the policies, procedures, system problems on their side and all their agent which made me false promises for months failed to keep on recorded lines.
Removing those charges is not a compensation because you had no right to apply them in a first place as the account was closed for 4 months. You are still fixing your own system if you are removing the charges, you are still not coming to the point, what right did you have to torture me the way you did for months altogether and what is the charge American Express will pay the customer for the same