[Resolved]  Axis Bank — spoiling my cibil score for unethical charges debited in my account

Address:

Ahmedabad, Gujarat

31/08/2013
Sir,
Shocked To Know That You CIBIL Report On Card No...4718 Xxxx Xxxx 7088, Spoils My Goodwill.....
If In Next Seven Days It Is Not Improved, I Shall Be Forced To Take Legal Action....
My Dispute Was Unattended By Your Bank And I Was Forced To Close My Card With You For Unethical Debits Charged To Me,
It Should Not Affect In Any Way As Negative To My Cibil Report....
This Is A Request And Not Threat......
Pl. Try To Hold Loyal Customers........
Call Me Urgently On [protected] In This Regards And Oblige.



With Regards,

Samir Dave


----- Forwarded Message -----
From: samir dave <[protected]@yahoo.com>
To: AXIS BANK(CREDIT CARD)HELP <customer.[protected]@axisbank.com>
Sent: Thursday, March 22, 2012 11:34 AM
Subject: wrong debit interest charged to me on card no...4718 xxxx xxxx 7088

22/03/2012

Wrong Debit Interest Charged To Me Card No...4718 Xxxx Xxxx 7088

On 30/12/2012 Rs.300 Wrong Debit Is Waived Off By Request No 6170453 By Santa Laxmi Your Customer Care Executive Manager So It Is Resolved I Am Oblige.


On 10/2/2012 Rs.250 Debit Interest Plus Taxes Rs 25
And Rs 438 (Debit Interest And Taxes) On 10/03/2012 Are Wrong Charges Not Acceptable As,

I Took Balance Transfer Of Rs.15000 And Rs 10000 In August @ 0.75 % Interest Which Was Getting Due For Repayment Before February 2012
So I Had Repaid Before Time That Is On 18/01/2012 Paid Rs.20000 And 2250 And On 18/02/2012 Rs.12000, This Amount Was To Be Allocated As Repayment Of Closure Of My 6 Month 0.75% Interest Bearing BT....And That A/C Was To Be Closed...
In The Mean Time I Took Three Month Balance Transfer @0 % Interest For Three Months By Paying 2% Processing Fee..And To Repay It Accordingly...

Every Month I Was Paying Minimum 5% Of Interest Free BT So I Was Never Be A Default In Any Way For Repayments....

It Is Your Wrong Fund Allocation Method Which Had Considered My Repayment Of Interest Bearing Money Towards Interest Free Balance Transfer And Kept Open My Interest Bearing Balance Transfer...And Then Charged Me Wrong Debit Interest @ 2.95 %....
This Is Just A Cheating With Me....
Before Taking Three Month Balance Transfer At 0% Interest I Had Clarified With Your Executive About Its Repayment Allocation And I Was Told That Both Interest Bearing And Interest Free Balance Transfers Will Be Kept Separate And Whatever Sum Repaid Will Be Allocated In Proper Proportions To Respective A/Cs.....
So I Am Not Acceptable With Rs.438+250+25....
It Is Illegitimate Debits Charged To Me...
I Had Given Lots Of Requests On Phone To Reverse It But At Last I Am Tired Of It For Not Getting Resolved...
I Am A Very Sincere Loyal Customer With Your Bank So I Am Repaying My Legitimate Due Amt Of Rs.10250 And Considering As Full And Final Repayment...
If You Want To Give Me Justice Then Credit Back Undue Wrong Debits And Clear My A/C So I Can Carry On Relations With You Else...I Am Considering This Repayment As Full And Final From My And I Will Consider This A/C Is Cleared Off..And I Will Trash My Card Considering It As Cancelled...(As I Have Lots Of Mental Harassment From You For Wrong Debits And Wrong Fund Allocation Method.....) ,


If You Wish To Keep Good Relations With Your Loyal Long Lasting Customer Like Me Then Give Me Justice...Else I Am Ready To Fight For The Justice In Court Of Law...Consumer Courts And All Concern Authorities.....
Expecting A Healthy Smooth...Solution From Your End....
Note: If I Would Be A Cheater Customer I Would Have Not Repaid This Rs 10250 Too....So Try To Understand That Rs.658 (Disputed Wrong Debit Interest) Is Not A Big Sum For Me...But It Is A Matter Of Justice.....
Now It Is Up To You Top Decide To Spoil The Relations With True Loyal Customer For Rs.658 Or To Maintain Such Customer And Show Happy Ending Goodwill Gesture....
Hoping For The Positive Action From You Soon.....