Indusind Bank — bank has overcharged interest and late payment fee wrongly

Address:	201306
Website:	www.indusind.com

Dear sir,

I would like to inform you here, your bank is collecting interest and late payment fee wrongly,

I have indusind credit card[protected]*2003), last month my due date was 23rd april and i was drop cheque before 5 days ago from due date and in 5 days we have 4 working day as per rbi guideline, and it was not credited in my account till due date so next day i was got a call from bank payment is not done of your credit card, so same day i had book complain through ivr why its not till now but that taime they saying it may be today will credited and you need to pay late payment fee & interest. I ask them what is isuue why its not confirm then they dont have excuse.

I was wait hole day to credited but it was not credited in my account so i have booked again complain on 25th april 2018 thorough mail (Indusind=[protected] against why its not credited. Then after 4 days i got a message on my mobile your cheque is not clear due to wrong address delivered, so same day first of all i pay all due amount through online net banking, and i have ask by ivr to issue for not clearing cheque then they told me due to wrong info your cheque was not cleared but same prosess i am following in other banking but we never get this type of issue. I have few below point question.

I have mention in cheque pay to (Credit card no with name of credit card user in bracket) and back side of chequei have mention name, credit card number with bank name, and mobile no.

1. What is issue in credit in filling of pay to i have used same as mention in statement? (Please make your cheque or draft payable to your ‘indusind bank credit card no xxxx xxxx xxxx xxxx)

2. Why they have not reply in 7 days 17th april to 24th april you have issue in filing of cheque?

3. After the two times escalation by me about cheque status its have revert by message your cheque not clear, may i know how much days its taking in confirmation to send customer about cheque status?

4. If you have found cheque is not filling proper why you not call or text me to update your cheque is not fill proper, for what purpose you required name account no mobile no in back side of cheque?

5. Now today is 10 april and my cheque was bounce as per your confirmation on 27th april then why till now its not resend to me?

6. What is time period you required to resend cheque to us?

7. Why they didnot call me for confirmation when they got wrongly fill cheque.

In hole procedure we can see its only purpose for making money by interest charged and late payment fee from customer even though customer had try to pay amount through cheque on time as per rbi guideline.

I have send 7 mail about it and many times call by ivr but no response,

So kindly fixed this issue or send me my cheque before next outstanding date so we can file a case against person who saying cheque is not proper filling and we can learn from them in court about how to fill indusind payment cheque which is away from rbi guideline.

Thanks in advance for support.