RBL Bank — fraudulent practice of extracting charges from credit card customers

imran_ias

from Hyderabad, Telangana

Address:

Hyderabad, Andhra Pradesh, 500007

To all,
Please find below the innovative practice invented by rbl bank to defraud customers to make them pay spurious and obscene amount of charges for no fault of theirs by misreporting the amount due!

See the whole transcript of emails exchanged and the brusque response for the same.

Seems like abhishek with reference no. 06147315, refused to reverse the charges without reading this whole thread with my evidences.

Please confirm the same that you will not reverse these charges and i will have to take legal recourse for the same.
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Dear mr.,

This is with reference to your email dated february 04, 2019.

Greetings from rbl bank!

We would like to confirm that the finance charges have been levied on the card account as per schedule of charges owing to the non receipt of the complete payment within the due date.

Further, interest charges for current statement will reflect as finance charges and interest charges carry forwarded from previous statement will be charged as deferred finance charges.

We regret we will not be able to reverse the fees levied.

You may quote the reference number 06147315, in case you need any further clarification on the above.

Assuring you of our best services.

Regards

Abhishek kumar
Service delivery-credit cards

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On tue, feb 5, 2019, 1:56 am

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RBL Bank customer support has been notified about the posted complaint.

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!