[Resolved]  ABN AMRO Bank N. V. — Direct Debit for Credit Card charges from my personal Salary account with Bank

Hi All,

I have been working with ABN Amro Bank Since 17th April 2006, I had taken a Employees credit card I used only once for Rs. 175/- and was following up with bank for statement and customer care 24-hour contact no. for which name to make patment but there no proper response and communication. Then suddenly after 3 month one person from customer care is calling myself and telling me to pay balance due amount with interest fine of Rs. 600 and total amount of Rs. 775/-. I got really shocked and paid only the amount of Rs. 175- which i had utilized. Then the customer care & recovery team came into picture and started communicating in bad languages.And also they used to call my home and started harrasing myself & my Family. I got fedup and one fine day i cut the credit card in 4 peices and sent to credit card department for cancellation. Then also the were calling me upto few months. Now one day i got surprised when i saw some deduction in my Person Salary account. They have literally deducted Rs. 400/- from my person salary account without any intimation to myself. And when i confirmed with them they are telling me that this was due for long outsanding dues so we have only deducted the interest on the charges. It means that they will go on continuesly deducting in such a manner whenever they want without any intimation to myself. I am sending the snapshot of my account and mail which i have sent credit card department.

Hiren V Shah/NL/ABNAMRO/NL
26/11/2009 10:25 PM
To
[protected]@in.abnamro.com
cc
in.[protected]@rbs.com
Subject
Re: Credit Card Payment directly debited from My account without any Intimation.




Hi All,

I need to inform yourself that I had once only used ABNAMRO credit card for purchases of Rs. 158/- .
Since then i didn't receive any statement or intimation from bank for payment due towards usage to card. I continuously followed up on customer care no but i was always getting phone line busy and when connected they said the systems not available. Since i didn't knew which to make payment for usages. One fine day a customer care person is calling myself and told myself that you have to pay Rs. 158/- and Rs. 400/- towards fine. I told i have not received and statement of yours so I will only pay the usage amount as is the fault of the credit card department and not myself. Then i paid the actual usages amount of Rs. 158/-/

Later on the credit recovery agent started contacting me and harassing myself with bad words and insulting me, I got fed up and cut the card in four pieces and sent for cancellation.

Still I was getting calls from recovery agents that you have to pay fine of Rs. 2000/- and then I told them that i have cancelled the card so you cannot call myself now.

But sill it continued. Now surprisingly they deducted from my salary account Rs. 400/- without my intimation.

I need to know who gave this right to deduct these charge directly from my account. Its totally unethical and unbelievable for me that a any bank is recovering the credit card fine amount in this manner.

I don't think the Reserve Bank Of India has also framed any such guidelines or Act overpowering bank to touch employees personal account by deducting directly from their account without intimation to them.

I want clear & detailed explanation for this and need to resolve this as soon as possible.

Please find attached snapshot of the deduction from my bank account.



Hi All,

Please respond this mail.

Thanks & Regards,

Hiren V. Shah
UK Cost Analyst
ABN AMRO Central Enterprise Services Pvt. Ltd.
West - 237, Empire Complex, 414 Senapati Bapat Marg, Lower Parel (W), Mumbai - 400 013, India.
Office: +[protected] | Fax: +[protected] | + hiren.v.[protected]@rbs.com