ABN AMRO Bank Card — Invalid Transaction and updating name on CIBIL

This mail is in reference to the credit card no.[protected]XXXX-XXXX.I have settle off the outstanding of this card on 10th Nov 2009 by paying an amount of INR 2500.This payment was taken by the collection agency of ABN AMRO Bank named INCREDIBLE MANAGEMENT SERVICES PVT LTD with the receipt no. 78324. The reason this account was settled because I was very unhappy with the services provided by ABN AMRO Bank. A year back ABN AMRO made an unauthorized transaction on my card for an amount of INR 4000, which pushed me to some unwanted debts, by the time I realized about the unauthorized charges I will too late. I called up the customer service and inform about the charges and customer service has no reasons why it was charged , however they told me that changes will be removed and it was reversed however I was not satisfied , because this unauthorized changed made by ABN AMRO pushed me to some debts and financial crisis during that time. So eventually I decided not to pay the bill and informed customer service to disconnect the card. After few months I started receiving collection calls from the ABN AMRO collection agency. I inform the situation repeatedly to the collection agency however they kept on calling me and kept on bothering me repeatedly almost every day. I inform to CEASE & DESIST the collection activity however they hardly care what I told them. One day a representative of ABN AMRO collection agency came to my house without my authorization and did mental harassment to my family members , I was not present at that time when this agent came. He informed about the debt to my family and asked them to pay, which is not the right way to do collection as my parents are not responsible for my bills. After that I decided to talk to customer service about thus matter however its of no use and the lady from customer service just replied that she cannot help and used a very nasty tone. Then finally I called up the collection agency of ABN AMRO bank and negotiated with them to settle the debt despite of the fact that I have a dispute going on with ABN AMRO which was not resolved. I settle the debt by paying an amount of INR 2500.

Now I am trying to take a personal loan and I came to know that ABN AMRO has updated this account on my CIBIL report. Which is not justified as I have paid off the debt. I feel now that I shouldn’t have paid the debt because if I don’t pay the debt and settle it then ABN AMRO cannot update my CIBIL this account as SIF and this account would have shown as outstanding on CIBIL.

Resolution I am looking forward:

Either remove this account from my CIBIL or else ABN AMRO need to arrange a personal loan for me for an amount of INR 1.5 lakh.

I spoke to customer service of ABN AMRO last week and logged a complaint about the same and the bank representative told me that I will get a resolution call back within 48 hrs however its more than 48 hrs and I am still waiting for a call , so that’s the reason I am writing this email to get the resolution.