[Resolved]  ABN AMRO Credit Card — unnecessary finance charges & harassment

hi vaibhav, i totally agree with u, i had a similar experience with this bank, i knw this abn people do harass very badlly n r total frauds, these peoples license shud b cancelled

Dear Sir/Mam,

I Shilpa Agarwal is holding ABN AMRO CC since June 2007, i swiped my card for almost upto my full card limit n got it converted into EMI.Got married so address got changed, however informed the customer care people about the updated address but all in vain. statements are sent to the cardholder as a reminder of the due amount no matter its monthly EMI or any other kind of payment. However ABN AMRO fails to understand this right of the customer.

Due to non receipt of the statement i would miss on payments n these bank people charge me heavy finance charge & interest rate on complaining them about the situation n the reason of not making the payment they would promise that the statement will be delivered in next 5-7 working days, but all fake promises i never used to get any statement, i just used to get n number of calls from different ABN executives from collection department sometimes from delhi n sometimes from Noida...then somehow one of the collection manager helped me with the reversal of all the charges n i made the payment. History repeats itself is really true in this situation, a sthe whole scenario was repeated but this time with a difference...ABN did an automatic debit from my ABN saving a/c with any confirmation from my side...on enquiring the senior manager in customer care i got to know that it is theit policy, though i was again in conversation with that collection manager for resolving the issue. on calling the customer care for this automatic debit i just got a reference number for the complain & a promised call back which i never received. The amount debited was more than the actual EMI n noone answere why that extra amount was deducted.

i always tell the collection people that the day i receive the statement i would make the payment...without knowing where the money i pay is going i cannot make the payment.These people just make your life so difficult, they never bother what time they are calling or how many times in a day the customer is getting call or how many people are pitching in for the same case...so its like describing your situation with each n every executive from ABN...which just results in wastage of time n heated argument with no resolution.

seeking your help n advise in same.

Regards
Shilpa Agarwal

i agree man, these guys shud b banned..., bt nobody knws hw to tke action against these people, thts d reason they harass people, i have told all my frnds never to deal with abn amro bank

Jan 23rd 2009

Ref card no-[protected]

to begin with, i got my card cancelled in june 2007 thru customer care followed by letter and email.
with no payment due at that point of time.

consequently there was no response from your end and NOW since 2 months i am been harrased by calls asking for heavy payment . After which i spoke to Mr sameer of Delhi his cell no been [protected] who confirmed to settle the amout at Rs 700 which i decided to pay and have paid on 10th jan 2009 by chq no 424082 of HDFC bank. i am presently waiting for NOC asconfirmed by mr sameer to be delivered in 48 hrs.

Once again i am been harrased by calls and asked for more payment after which when i spoke to sameer at the above given cell no he refused to be acknowledged as sameer..

Plz be sure that i want NOC and i am not liable to pay any amount at all as there was NO PAYMENT due while asking for cancellation.
Request to consider this seriously and quickly confirm NOC.

Thanks
Narayan R Sahu
[protected]

ABN AMRO Credit Card — Unnnecessary Charges & Harrassment

I had taken a credit card from ABN AMRO Bank (Card no. [protected]) in October 2006. I was using the card normally but would not recieve the statement on time. In April 2007, I recieved a call from the Bank intimating that ABN AMRO have a tie up with ICICI Lombard & are giving me a Home Insurance policy to all card users of ABN AMRO. I declined the offer intimating that I'm not intrested on the same.

However, when I recieved the statement in May 2007, I was charged with Rs. 12000/- as one time premium for the policy & Rs. 534/- per month as EMI for 12 months for the policy premium. The policy no intimated was [protected]. However, here I would like to state that I don't own a home so obviously I would not buy a home insurance policy. Moreover, till date, I have not even recieved the policy. I contacted the costumer care & told them about the issue the day I recieved the statement. I was told that I should not pay till the amount is reversed. However, still nothing happened from the Bank's side. I kept calling the customer care again & again. I don't have all the complaint numbers, but the last one was complain # [protected]. Inspite of several complaints from my end, no action was taken by the bank. I was only told to contact ICICI Lombard to reverse the policy. I called & wrote a letter & a mail to ICICI Lombard, but I was told that since the problem was with ABN AMRO card, I should lodge a complain with them only.

I wrote a mail to [protected]@in.abnamro.com on 18th Dec 2007 intimating all the details & issues; no responce was given from their end. I sent a reminder again on 20th Dec 2007. as a result of the reminder, I recieved a response from the Bank on the same day telling me that they cannot reverse the policy & that I have to pay the amount due on the card. I kept paying the minimum amount due each month without fail till June 2008 since I never had any intension of defaulting on the card. Here I would also like to mention that the card was blocked in November 2007. I wrote a letter to ABN AMRO office in Noida 7 also faxed the same on 17th June 2008.

Since no action was taken from the Bank's end inspite of so many reminders & complaints, I stopped makin any payment after July 2008. After that I recieved a mail from Mr. Vikas Nagi in ABN AMRO's Risk Management - Consumer Banking Delhi (on 3rd September 2008). I myself called the gentleman & told him about all the problems & wrote him a mail on 26th September 2008 and also updated my new contact number. After that I kept recieving calls from some executive or the other from the Bank & i kept repeating my problems but nothing has been done.

As per Bank, now the amount due on the card is over Rs. 45000/-. Sir, I have repeated time & again that the Bank should remove the amount charged on the card for the policy, the EMI amount charged plus the intrest & the late fees charged on the card & I will pay the remiaing amount the same day. But they never call back with any solution. they only say that I should settle this with Bank by paying Rs.[protected]/-. But why should I pay even a rupee if it is not spent by me.

Now I have recieved a notice from the Bank's advocate to be present before the Arbitrator for hearing. Please help me to sort this issue. My only point is that I should not pay for something that I have't spent.