[Resolved]  Abn Amro — EXTRA CHARGES ON CREDIT CARD

From: [protected]@in.abnamro.com
To: sherry.[protected]@hotmail.com
Subject: RE: ABN AMRO CREDIT CARD COMPLAINT REF ( [protected])
Date: Mon, 29 Jun 2009 12:45:00 +0530


Dear Mr.Tangri,

We refer to your email dated June 27, 2009.

We reconfirm that the dropbox are cleared on a daily basis.

You can now also make your credit card payments online through NEFT (National Electronic Funds Transfer) by quoting your 16 digit ABN Amro credit card number, and the ABN AMRO Bank's IFSC code - ABNA0200001 .

Please visit this link http://www.abnamro.co.in/consumer/creditcard/make_payments.htm on our website to know details on all existing payment options .

We regret that we will not be able to reverse the charges on the card.

Our service executive will be in touch with you with regard to your decision to cancel the card and to have your valued feedback.

You may also quote the reference number [protected], in case you need any further clarification on the above resolution.

Please feel free to write back to us for any further clarifications in this regard or call our 24-hour Bank by Phone service in your city and our executive will be glad to assist you.

Assuring you of our best services.

Yours sincerely,

Poonam Bhandari
Client Response Unit

****************
QUICK TIP
********************************************************************************...⇄
Register for MasterCard SecureCode and get added security of a unique password for your internet transactions at MasterCard SecureCode enabled online merchants.
********************************************************************************...⇄
Why wait for a physical statement when it is also available just a click away! Enjoy Simple & Hassle free banking by just Registering on Cardsonline and view statements upto 6 months Get FREE statements on email by just registering your email ID with us
Call 24 Hours Bank By Phone to subscribe for FREE SMS Alerts
********************************************************************************...⇄
You may also avail the NEFT (National Electronic Funds Transfer) Facility. For making payments through NEFT, access NetBanking of the bank from where you wish to transfer the money and add your ABN AMRO Credit Card number as a beneficiary to receive the funds transferred.
********************************************************************************...⇄
Access this URL to view the Bank by Phone numbers in your city - http://www.abnamro.co.in/consumer/directbankingservices/phone_bank.html
********************************************************************************...⇄


sherry tangri <sherry.[protected]@hotmail.com>
27/06/2009 11:13 AM
To abn head <[protected]@in.abnamro.com>, <[protected]@in.abnamro.com>
cc <vikas.[protected]@in.abnamro.com>
Subject RE: ABN AMRO CREDIT CARD COMPLAINT REF ( [protected])







Dear Banker,

You are simply turning a blind towards the fact that I had dropped this cheque on 2nd May 2009.
I had paid finance charges in the past a well, so I am not against finance charges but Yes suerly I will not pay due to no fault of mine.

I would suggest you to give some kind of receipt to the customers who drop the cheques so that such arguments can be avoided.Anyways you don't want to reverse - tell me how to deactivae the card...????

Note - I stick to my decisssion of not paying the extra charges I've been talkin about so shall only pay whatever balance is applicabe at the time of cancellation.

Look forward to an early reply

Regards

Sherry Tangri



[protected][protected][protected][protected]
From: [protected]@in.abnamro.com
To: sherry.[protected]@hotmail.com
Subject: RE: ABN AMRO CREDIT CARD COMPLAINT
Date: Fri, 26 Jun 2009 15:41:59 +0530


Dear Mr.Tangri,

We refer to your email dated June 24, 2009.

We wish to inform you that the cheque number 719561 for Rs.41000.00 has been received for processing on 11/05/2009 while the payment due date was 07/05/2009.

Please note the cheque has been cleared on 13/05/2009.

We would like to inform you that cheque is send for clearing on the same day of receipt and payment is applied basis instruction received from your bank.

Please note that late fees are levied due to non payment of at least minimum amount due within payment due date. The finance charges are levied due to non payment of total outstanding within payment due date.

We have already reversed the late fee of Rs.650.00 along with the associated service tax.

We regret we will not be able to reverse the Finance charges charged on your Card account.

We would like to clarify that over limit charges are levied when the total amount due is more than the assigned credit limit.

We regret we will not be able to reverse the fees levied.

We would request you to pay Rs. 44, 461.68 as per the statement dated 17/06/2009 to avoid any further charges.

We are concerned to know about your decision to discontinue with our card. We request you to reconsider your decision as the ABN AMRO Bank Credit Card offers an array of features.

An officer from our Service Excellence Centre would be in touch with you in the next five (5) working days to resolve any issues on your card and get your valued feedback.

You may also quote the reference number [protected], in case you need any further clarification on the above resolution.

Please feel free to write back to us for any further clarifications in this regard or call our 24-hour Bank by Phone service in your city and our executive will be glad to assist you.

Assuring you of our best services.

Yours sincerely,

Vilma Lobo
Client Response Unit

****************
QUICK TIP
********************************************************************************...⇄
Register for MasterCard SecureCode and get added security of a unique password for your internet transactions at MasterCard SecureCode enabled online merchants.
********************************************************************************...⇄
Why wait for a physical statement when it is also available just a click away! Enjoy Simple & Hassle free banking by just Registering on Cardsonline and view statements upto 6 months Get FREE statements on email by just registering your email ID with us
Call 24 Hours Bank By Phone to subscribe for FREE SMS Alerts
********************************************************************************...⇄
You may also avail the NEFT (National Electronic Funds Transfer) Facility. For making payments through NEFT, access NetBanking of the bank from where you wish to transfer the money and add your ABN AMRO Credit Card number as a beneficiary to receive the funds transferred.
********************************************************************************...⇄
Access this URL to view the Bank by Phone numbers in your city - http://www.abnamro.co.in/consumer/directbankingservices/phone_bank.html
********************************************************************************...⇄

sherry tangri <sherry.[protected]@hotmail.com> 24/06/2009 07:23 PM
To: <[protected]@in.abnamro.com>
cc: ABN GOLD BANK <[protected]@in.abnamro.com>
Subject: RE: ABN AMRO CREDIT CARD COMPLAINT




Dear Banker,

The reply from Ms Sarita Pacheco indicates only the standard operating procedures of the bank which we all know.

Seek clarification on the following:

1.) When you clear your cheque drop boxes daily then how the cheque dropped on 2nd May got cleared on 13th.

2.) Why the retail charges from the statement dated 17/05/09 were not reversed along with the late fee. Had you done that there would’ve been no previous balance, so no question of late fee in statement dated 17/06/09.

3.) The late fee, retail charges and over limit charges in the statement dated 17/06 is all due to the previous retail charges not waived off along with the late fee.


I am looking for a resolution not a copy and paste process note of bank.

Let me know my new outstanding after reversal of all charges and in case bank fail to do so I shall pay an amount of 41398/- + service taxes before next due date to settle the accounts.

Let me make it very clear that any new extra charges levied due to the previous accumulated extra amounts will not be paid by me.

I am even ready to surrender my card in case you don’t have a way out – But it would definitely be rooted to bitter customer service experinece which I will share with others.


Regards

Sherry Tangri


[protected][protected][protected][protected]
From: [protected]@in.abnamro.com
To: sherry.[protected]@hotmail.com
Subject: Re: ABN AMRO CREDIT CARD COMPLAINT
Date: Tue, 23 Jun 2009 11:02:54 +0530


Dear Mr. Tangri,

This is with reference to your email dated June 19, 2009

We wish to inform you that the credit card statement is dispatched to your preferred mailing address on every statement date.

Your statement is generated on the 17th of each month and the payment due date is 20 days hence. If you do not receive the statement within seven days of the statement date, please do inform the Bank.

You may also log on to https://cards.abnamro.co.in & get details on your credit card. This option will enable you to view / print your statements and also check your payments and account history.

As per our records, the statement for the month of May 2009 has been delivered at your mailing address. The same has been received by Neeru Tangri. However, we are arranging to send the duplicate statement for the month of May 2009 to your email id. The statement will be sent from a separate mail.

We would like to inform you that the late fee is levied due to the non payment of atleast the minimum amount due within the due date.

We would also like to clarify that interest on any retail transaction is levied if the total outstanding is not paid within due date and this is calculated from the date of transaction until the total amount is fully repaid.

We would like to clarify that the drop box are cleared on a daily basis.

As we have received your payment of Rs.41000.00 post the due date, the late fee and finance charges have been levied against the same. As we have also not received any payment against the statement dated May 17, 2009, further late fee and finance charges have been levied on your card account.

We would like to clarify that over limit charges are levied when the total amount due is more than the assigned credit limit.

We regret we are unable to reverse the above mentioned charges which have been debited to your card account. Therefore, we request you to pay as per the statement to avoid any further accrual of charges on your card account.

Please note, you may also make your credit card payments online through NEFT (National Electronic Funds Transfer). For making payments through NEFT, access NetBanking of the Bank from where you wish to transfer the money and add your ABN AMRO Credit Card number as a beneficiary to receive the funds. Enter the 16 digit ABN Amro credit card number. Please do ensure that ABN AMRO Bank's IFSC code is ABNA0200001 and start making online payments towards ABN Amro card.

Should you require further assistance, call our Bank by Phone service in your city and our executive will be glad to assist you.

You may also quote the reference number [protected], in case you need any further clarification on the above query.

Assuring you of our best services at all times.

Yours sincerely,
Sarita Pacheco
Client Response Unit


****************
QUICK TIP
********************************************************************************...⇄
Register for MasterCard SecureCode and get added security of a unique password for your internet transactions at MasterCard SecureCode enabled online merchants.
********************************************************************************...⇄
Why wait for a physical statement when it is also available just a click away! Enjoy Simple & Hassle free banking by just Registering on Cardsonline and view statements upto 6 months Get FREE statements on email by just registering your email ID with us
Call 24 Hours Bank By Phone to subscribe for FREE SMS Alerts
********************************************************************************...⇄
You may also avail the NEFT (National Electronic Funds Transfer) Facility. For making payments through NEFT, access NetBanking of the bank from where you wish to transfer the money and add your ABN AMRO Credit Card number as a beneficiary to receive the funds transferred.
********************************************************************************...⇄
Access this URL to view the Bank by Phone numbers in your city - http://www.abnamro.co.in/consumer/directbankingservices/phone_bank.html
********************************************************************************...⇄
sherry tangri <sherry.[protected]@hotmail.com> 06/19/2009 10:59 AM
To: <in.[protected]@in.abnamro.com>, <[protected]@in.abnamro.com>
cc:
Subject: ABN AMRO CREDIT CARD COMPLAINT





Dear Banker

Titanium card number : -[protected]


This is the first time ABN AMRO BANK has hard-pressed me to use readdressal - level 2 facility to get my issues sorted with the bank.

Apparently I’ve been using ABN credit card for over 2 years and not even once I had to face any kind of service issues. However there were few instances where I was falsely promised rewards as a part of some promotions but that’s alright as long as I am not being charged for something which I had not asked for. Another thing I like about ABN is the ease with which I can access my online account.

Just for your information I have been very regular with my dues and you may notice that on most of the occasions I have paid my dues well in advance or have even overpaid many a times.

This particular case has disappointed me as a customer: I’ll explain statement wise
STATEMENT DATE DUES CHEQUE DROPPED ON AMOUNT REMARKS
[protected].8 2/5/[protected] The cheque was dropped at Big cinemas, Pune, cheque drop box 4 days prior to the due date but due to the negligence of the bank got cleared late
[protected].12 NA NA Bank charged late fee of (650/-) and finance charges (1139.3/-) which I am not ready to pay because the payment was made in time and therefore no finance charge should apply
[protected].7 NA NA Bank reversed late fee from previous bill (650/-) but did not reverse the finance charges from the previous bill which was promised and on top of that charged another late fee of (350/-) along with new finance charges of (967.9/-) and the worst part is over limit charge of (600/-) which is again no fault of mine because my total spend on card for that month is only (41398/-) which is within my credit limit of (42000/-), over limit is due to the previous reversal not done and the new extra charges




From the shown events I can only understand that the Bank is choosing customer’s money over the loyalty.

Let me reiterate that I am not going to pay the followings:

1.) Finance charges in 17/05 - 1139/-
2.) Late fee in 17/06 – 350/-
3.) Over limit in 17/06 – 600/-
4.) Finance charges in 17/06 – 967/-
5.) Any service tax charged on the sum of the above


Please reverse these charges and send me revised charges to be paid before next due date.

P.S – I did not even receive my statement dated 17/05/09 on my billing address

The bank may contact me on [protected] between 10:00 AM – 5:00 PM in weekdays.


Look forward to a delightful result




A dejected card member
Sherry Tangri



[protected][protected][protected][protected]
MSN Battles We pitch one stalwart against the other and give you the power. Who will you vote for? Share photos while you chat with Windows Live Messenger.


[protected][protected][protected][protected]
This message (including any attachments) is confidential and may be privileged. If you have received it by mistake please notify the sender by return e-mail and delete this message from your system. Any unauthorised use or dissemination of this message in whole or in part is strictly prohibited. Please note that e-mails are susceptible to change. ABN AMRO Bank N.V, which has its seat at Amsterdam, the Netherlands, and is registered in the Commercial Register under number 33002587, including its group companies, shall not be liable for the improper or incomplete transmission of the information contained in this communication nor for any delay in its receipt or damage to your system. ABN AMRO Bank N.V. (or its group companies) does not guarantee that the integrity of this communication has been maintained nor that this communication is free of viruses, interceptions or interference.
[protected][protected][protected][protected]



[protected][protected][protected][protected]
Videos Get the latest video streams on movies, Try it!


[protected][protected][protected][protected]
This message (including any attachments) is confidential and may be privileged. If you have received it by mistake please notify the sender by return e-mail and delete this message from your system. Any unauthorised use or dissemination of this message in whole or in part is strictly prohibited. Please note that e-mails are susceptible to change. ABN AMRO Bank N.V, which has its seat at Amsterdam, the Netherlands, and is registered in the Commercial Register under number 33002587, including its group companies, shall not be liable for the improper or incomplete transmission of the information contained in this communication nor for any delay in its receipt or damage to your system. ABN AMRO Bank N.V. (or its group companies) does not guarantee that the integrity of this communication has been maintained nor that this communication is free of viruses, interceptions or interference.
[protected][protected][protected][protected]


[protected][protected][protected][protected]
MSN Battles We pitch one stalwart against the other and give you the power. Who will you vote for? Share photos while you chat with Windows Live Messenger.


[protected][protected][protected][protected]
This message (including any attachments) is confidential and may be privileged. If you have received it by mistake please notify the sender by return e-mail and delete this message from your system. Any unauthorised use or dissemination of this message in whole or in part is strictly prohibited. Please note that e-mails are susceptible to change. ABN AMRO Bank N.V, which has its seat at Amsterdam, the Netherlands, and is registered in the Commercial Register under number 33002587, including its group companies, shall not be liable for the improper or incomplete transmission of the information contained in this communication nor for any delay in its receipt or damage to your system. ABN AMRO Bank N.V. (or its group companies) does not guarantee that the integrity of this communication has been maintained nor that this communication is free of viruses, interceptions or interference.
[protected][protected][protected][protected]