[Resolved]  Deutsche Bank Credit Card — Late Payment Charges

Deutsche credit card — late payment charges

I have been using a DB credit card since December 2007. Made my first payment in January 2008 & since then, I have not been receiving any statements. I have called the customer service on many occassions since February 2008 through today but all in vain. Although I received my statements after many requests in May 2008 & made a payment of Rs. 5000 on May 19, 2008 which reflects in DB credit card's account on May 23, 2008, I have been charged late payment charges from my February through May statements. I requested the customer care people & a floor supervisor (Shweta) to remove these charges but they asked me to make the complete minimum due payment which is Rs. 277.94 more than my last payment of Rs. 5000 after which they will check if the late payment charges can be removed. It is not my error that has prevented payment. It's the lack of responsibility of customer care agents at Deutsche which has resulted in late payment of my bills & me being charged late payment charges. I would definitely want someone to take care of this.

I expect a refund of the late payment charges + the interest that has accrued due to not receiving my statements.

Respected Sir,

Let me introduce my self, I Manoj Chandrakant Sawant residing at A-34, Ramchandra HSG., Yashodhan Ngr., Opp Devendra Ind. Estate, Thane (W)-400 606. I am using Deutsche Bank Master credit card -[protected] and since last six to seven months I am regulary paying the full amount on or before due date as soon as I recieved statement from them.

My September' 08 month statement, I have not received on time regarding that I have informed them by mail to there Nodal officer Mr.Manoj Naik on 31.10.2008. Remind them also on 13.11.08 for the same.

After that I have received two statement for difference periods i.e.08.09.08 to 08.10.08 & 08.10.08 to 08.11.08 on 15.11.2008. In that current month statement they have charged me late payment fee Rs.350.00 and interest Rs.384.46 for which I am not liable to pay because I have not received statement on time. Same I have mailed on cards.[protected]@db.com for revised statement and reverse the late fee and interest charges on 26.11.08. Reminder send on 27.11.08 for the same. I have received mail stating that they have informed concern department for reversal.
The next statement which they have send in that they reverse the last month late charges with interest and again they charged me late payment and interest charge because I am not making any payment on or before due date.

Here I would like to bring to your notice as a customer I am follow up with the for statement because I want to make a payment on or before time. If I am not received statement on time its not my mistake. Also if I am not getting proper feedback from them on or before due date it is also not my mistake. They delayed to gave disicission its not my fault at all. If they gave me there disicission or convey me on or before due it may help me to make a payment on or before due date.

I request you to kindly look in to this matter and help me out for the same. Please registered my complaint against Deutsche Bank credit card department.

I am expecting a favorable reply from your end.

Please do the needful.

Regards,
Manoj Sawant
[protected]
[protected]

[protected] Forwarded message[protected]
From: Deepak Devrukhakar <[protected]@gmail.com>
Date: Wed, Jan 21, 2009 at 6:44 PM
Subject: Re: Credit card No - [protected] late payment charges - waiver
To: cards.[protected]@db.com


Dear Sir,

Credit card No- [protected]

This is to bring to your notice that I have been receiving my statements late in the past. I have already complained multiple times in this regard.

But still in i have been charged the same.

Please note that i have always been paying my EMI as soon as i have received the statements.

This issue has been going on since last three months & your esteemed bank has been ignoring all my requests.

I sincerely request you once again to waive of all late payment / interest charges & service charges.

I hope you are more concerned towards our business relationship & would not want to forefeit the same for this.


Regards
Deepak Devrukhkar

C.C- cards.[protected]@db.com

I made the payment to MTNL but did not get credit the payment and deposit again to MTNL.

Dear sir my ad card no[protected] ref 2009055/0804

reference to above i am using the card right from the date of issuig i have been charged with intrest of Rs
4089.12 in this month bill for which i have made the payment before due date on 27 th of every month you can go through my transaction and find no reason to charge intrest kindly wave the intrest amount as early as possible

Deutsche Bank Credit Card — Late payment charges

I am a credit card holder of Deutsche Bank. I have done only one transactions through this card till date. I have not received my credit card statement on time for which i have my self initiated the call to bank and requested. However i was told to make the payment by the executive of Deutsche Bank immediately to avoid any late payment charges and i was assured that the statement would be sent shortly and no charges would be levied. Based on the request, I have made the payment without the credit card statement though it was a delay of 4-5 days but which was due to non receipt of statement. I was expressly told at the time of making the payment that no charges would be levied as it is due to default in sending the credit card statement etc etc and also i was told that generally initial 1-2 delays are acceptable. However to my surprise i received the next months statement wherein the bank has levied the finance charges and interest for delayed payment. I have made innumerable complaints to your call centers etc but to no use. As i was assured in most of those calls of the reversal of charges, but this has not yet happened. And in some of the calls i was promised to receive a confirmation call after reversal of charges. Month on month the bank is levying charges and interest on a due which doesnot exist at all.

Duetshe Bank Credit Card — Harresment against False payment due.

I had dropped a check of ICICI bank (Rs 6100) in favour of Duetshe Bank Credit Card on the 20th of August. The ICICI bank statement reflected the the payment was made to Duetshe Bank on the 1st of September.
Still in the Credit Card Statement for the month of September, the send me the stement with a due of Rs 6100 plus the Late payemnt fees of Rs 350.
I called up there customer Care and logged a complain against this asking for a reversal in the statement details.
Nothing was taken care of from their side. aSince the, and they continued adding up on the charges with Late payment fee and Other charges with added interest charges.
The last statemant I received form them was dated on 03/03/2010. Showing a Total outstanding as Rs 2681.71.
They are harresing me on this with the Credit Card statement every month and with phone calls on the pursuation of the paymnet.

Always late to receive db statements.