[Resolved] Credit Card — American Express Bank Credit Card Division | |
Dear Sir, I am After American Express Bank Credit Card Division. I had taken a Card From Amex in 1991 and never used it. There was one BPL Mobile Bill for around 2174.54 iin 1993 which I too paid directly to BPL therefore asked the bank to cancel this entry. Therafter in May 2003 i got a letter from American Expess that they will temporarily credit this amount. After this i i surrendered my credit card cancelled and never used the card. Thereafter I too never got any correspondense from bank for any outstanding. To my surprise when i wanted to take a loan through Axis bank couple of months back they have reported that i have this credit warning raised against me by Amex. I called up American Express Gurgaon and also sent them Letter but never got a reply. The credit report in Cibil Reads as below ACcountNum: 1166175 Reported By: AMEX Account Type: CREDITCARD Ownership: INDIVIDUAL Date Reported:[protected] Open Date:[protected] Amount Overdue: 5,659 Account Status: Written Off Would Be greatfull If you could help me to clear this matter. I do not mind mind still paying the amount even though i am not at fault. It Looks like now these banks are taking CIBIL as a means of troubling customers to recover what they want if even if customer is not at fault. Thanking you Yours Faithfully Rajendran V Nair A 207, Alguj CHS Ltd. Pawar Nagar Thane west 400 610 Tel: 91 [protected] Res: 21717541 Was this information helpful? | |
Aug 13, 2020 Complaint marked as Resolved | |
 1 Comment | |
I never knew what is in store for me. In sept 2009, this month, I applied for a housing loan. The housing loan issuing bank came back to me saying I am on the negative list of Master Card which is called Satyam On-Line. Thus they rejected by loan. I was shocked. I called from China and spoke to customer service person of AEB who was surprised why my name is there when no outstandings. They take many days even to understand why the hell my name was reported by them when my card payment track record was so good. They had even NO clue as regards in which list my name was reported by them.
I gave them the MCNF information. After few days...they just send me a letter stating my name has been taken out.
My points are...
1. The bank itself does not know where and how they report customer names for non-payment.
2. They never even sent one communication that they will report my name to negative list for non-payment. (they never called me, but we all know how many calls we get before we get a credit card)
3. They took money with interest. But that time they did not take out my name from their side.
4. My name is taken out after more than a year after I chased them knowing my name is appearing there.
5. My loan is rejected...causing my lose huge money and harassment.
This is the condition of American Express Credit Card.