[Resolved]  ABN AMRO Credit Card — Non-reversal of charges; no reply to mails or requests

I have a credit card, for which some issue is pending, I have called up the customer care and emailed them numerous time; but I have not, till date received any reply or any solution for my issue.

My credit card is always received at my company office, and the payment is made from there. My office was shut down in the last 2 weeks in the month of December 2008, due to recession, because of which I was unable to receive my card statement on time, and hence my payment got delayed.

Due to this, when I received my next statement, my total amount due was 44, 114.22 including late payment charges of Rs 600 + service tax. I called up the customer care and I was told by the executive that he would place a request for the reversal of the same, since it was really out of my hand to have made the payment on time. I was also told that it should be alright if I make a payment for Rs. 43, 482.62 (full amount less the reversals) in 2-3 days, as by that time the reversal will be made. I confirmed with him, if that would lead to interest or late payment again, and I was told that it should not be a problem.

Then, I got the statement for next month (February), and I did not see any reversal in that, on the contrary, there was another charge of Rs. 798.14 + service tax. I again called up the bank, and was told by the executive that no request was placed for reversal a month back (Which is very surprising because it took my half an hour to get through your automated menu to speak to a human voice, and I was categorically told by your executive he will reverse the amount)… Anyway I was told that this time reversal will be done (for Rs 600 + 798.14 + service tax), and I was given a reference number this time, which was [protected]. After 3 days, I called up the bank, and I was told that my request has been declined.
My issue is –
1. If there is a possibility of decline of a reversal request, the bank must train its executives to inform the customers that they are placing a request, and it may or may not be accepted. They should not tell us “reversal will be done”

2. ABN should provide complete information to your executives. If we are required to pay the full amount and then let the reversal happen in the next statement, we should be told so, and not confused all the time.
3. I have been putting mails to ABN AMRO Bank since the last 6 months; I have been calling up customer care; I have explained the issue to atleast 20 of your marketing (it is amusing how the call me telling me “you have been a valuable customer and have been holding our card since so many yrs and have had a clean record, so we are offering you a health insurance etc.) /collection executives who call just any time and nothing has still been done about this issue till date.

4. Now any amount that is coming due to me is the late payment fee + the interest on the same since December. All my purchases have been paid for. Since the late payment fee and interest on the same is occurring in my account again and again due to a delay on ABN AMROs account & ignorance of its executives, it is effectively not due to me.

So I have been ABN AMRO to please reverse the entire amount that is due to me, or atleast make some authoritative person speak to me, so that I can explain this whole situation in detail, and expect some action on the same. But there has been no action since 8 months now!!!

I am surprised that an elite bank like ABN AMRO functions like this!!! Our company deals with several banks, but we have never had an issue pending for such a long time with no effort from the Bank’s side to close it! It is a shame.