Axis Bank — over payment against credit card

Address:

Shimla, Himachal Pradesh, 171009

Dear sir/madam,

With due respect, this is to bring about your kind notice, that i made a payment of 3000 inr against axis bank credit card ([protected]) by[protected]. After that the later card was permanently blocked and bank has issued me new credit card. But after almost more that three (3) years, i received a credit card e-statement from the axis bank of the mentioned blocked card which stated 3000 inr due payment against it. When i called up the bank authorities (Customer services) they conveyed it to me that at it is a excess payment they have received for that credit card and they assured me that they will return it by dd, but instead they credited that amount through online transaction to my frozen account/suspended account associated with the later credit card, which has a balance of around minus (-) 1800 because of that around 1200 inr got deducted.

When i again asked them why did they do so in-spite of the confirmation they have given me that money will be refunded by dd. Sir/madam with your esteem permission i want to make few of the point:

1) why it took almost three and half year for the concerned bank to notify me about the over payment against credit card.?

2) if a bank customer by any means fail to make a payment of credit card by due date, then banks charged him with a heavy interest rate per day. So in this case, will bank do the refund with same interest rate to me for those three and half years?

Good self is requested to kindly look into the matter and help me to get my money refunded with appropriate interest rate.

You kind intervention and acknowledgement is highly awaited in this regard.

I shall be highly thankful to you for this act of kindness.

Yours sincerely
Virender bhardwaj
[protected]
Email: [protected]@rediffmail.com, tarunb. [protected]@gmail.com