Feb 06, 2019
Updated by imran_ias --ctd. Adding the truncated email conversation from my original post with the evidences:
[protected][protected]--
On Tue, Feb 5, 2019, 1:56 AM Imran <@gmail.com wrote:
See IVR SMS below stating Rs. 13622/- as my outstanding :
Greetings, Thank You For Choosing RBL Bank Credit Card Quick Statement Service
Account Details For Card No # 3436
1 Current Statement Date :[protected]
2 Total Amount Due:- 13622.01
3 Min Amount Due:- 0
4 Payment Due Date:[protected]
5 Last Payment Amount:- 12660
6 Last Payment Date:[protected]
7 Total Credit Limit:- 195000
8 Available Credit Limit :- 181377
9 Reward Point :- 7594
Payment Options: http://bit.ly/2htcsWg
Rewards Redemption Link: http://bit.ly/2gC55zE
MyCard App http://onelink.to/389ejv
Thanks.
Imran.
On Tue, Feb 5, 2019, 12:54 AM Imran <@gmail.com wrote:
As discussed with your service rep Kishore - Req No. 06140722, these charges seems to have been put on me for paying Rs. 13, 623/- as informed by your automated IVR system instead of the right amount of Rs. 14463.81/- which was the actual amount.
The below are the facts:
1. Check my payment history, you will find I always pay my dues completely
2. I did not have access to my online credit card statement as my account was blocked somehow for almost last 2 months. See reference number 06062480 .
3. Because of the above, I relied on calling your IVR system and it quoted me the outstanding amount of Rs. 13623/- on 18Jan19, which I paid in totality
4. I get wrongly charged for all the above fees etc. for no apparent fault of mine
As I paid the amount as quoted by your own IVR system on 18Jan19, I want these additional charges of almost Rs. 1500/- be reversed ASAP, as communicated to Kishore above vide Req No. 06140722.
In the event of these charges not being reversed in totality, please take my request for blocking my card ASAP, as I will not like to continue with your services any further. I feel quite cheated as this seems to be a fraudulent practice o[censored]nder quoting the amount due on IVR and then charging exorbitant charges.
Apart from the above, you should also consider compensation for the mental agony of this whole episode wherein, I was forced to call and communicate with you at 1AM at night!
Thanks.
Imran.
On Mon, Feb 4, 2019 at 11:41 PM Imran <@gmail.com> wrote:
I was looking at the current statement below, and see some fraudulent charges below on 2Feb19... Can you please reverse it ASAP?
02-Feb-2019 DEFERRED FINANCE CHARGES 403.67
02-Feb-2019 FINANCE CHARGES 827.31
02-Feb-2019 Goods & Services Tax 221.58
Thanks.
Feb 06, 2019
Updated by imran_ias So, basically, what RBL's modus operandi is as summarized below:
1. Create buggy website to lock of[censored]sers from accessing their full statements.
2. The point above ensures the poor customer has to rely on their telephonic IVR system
3. Here is the catch... This IVR system under reports your amount due!
4. You pay the lesser amount pointed by IVR, and thus, get trapped with exorbitant fees, charges and GST on top of it all!
5. You spend sleepless night speaking with their customer care who assures someone will call you back.
6. No one calls
7. You receive a brusque email saying they cannot reverse the charges (which they devised!)... Even without reading your full email and evidences
8. Optional - You curse your karma for being their customer. You remember how you were enticed with free food and offer redacted within couple of months of getting the card!
Anyways, hope people find this long post useful and avoid falling prey to this new and innovative way of getting into a debt trap!
I am not interested in insurance plz cancelled my policy and refund my amount