| Address: | Mumbai City, Maharashtra |
| Website: | www.rblbank.com |
Dear sir,
After doing follow up with all grievances lateral of rbl bank no proper reply from them to escalate further this is the mail.
There are three issue:
1. Credit card fee.
2. Charges reversal.
3. Rewards point.
1. Credit card fee:
My existing card which i am using was initially issued by abn amro bank in year 2007 with life time free condition. (No annual charges)
The card business further sold to rbs their also while using the card no difficulty has been faced and no charges has been levied regards for annual charges.
The further business has been sold/taken over by rbl bank since then bank is charging annual charges on request some time they got reversed but again they are charged.
I told bank people that as per my card terms and condition its an lifetime free card they are either unable to understand or willing dont to be get understood.
So kindly look into the matter as per original terms and conditions it should be free. Also arrange reversal done in past.
2. Charges reversal.
I have done two transactions of rs. 20, 000/- each on 05.04.2017.
The statement generated on 17.04.2017 and due date for same was 07.05.2017.
The said transactions were under dispute due to deficiency in services hence request for investigation is made (Usually as per visa/master card agreement bank to do investigation).
The bank people are unable to understand they said its since otp is used while doing transactions hence they cant do anything and charges has been levied.
To avoid further charges i made the payment of rs, 35488/- (Since there are some reversal bank has done so i paid the effective amount of rs. 35488/- instead of rs.40, 000)
There were delay in crediting the amount hence bank has further leived charges here also bank is not reverting/ acting hence got delayed still bank had charged..
In the month of july 2017 after vigorous follow up bank has provided temporary credit disputed amount along with interest.
There after i made some transaction made the exact amount which i had spend.
The merchant has provided the sufficient services for the said disputed amount,
In the month of september 17 bank has revered the temporary credit but no the charges pertinent so same.
I am using card regularly and making on due dates but in last two month when i have checked their is out standing even i making full payment what i have spent.
Going on details of statement it appears that bank has not revered completely charges hence the card is showing overdue.
So kindly look into the matter since as on date there should not be any due towards me.
3. Reward points:
As explained in above point no 2, reward point also got adjusted or expired kindly reinstated eh same.
Request:
I using credit since more than 10 years without any default.
The overdue in credit card deteriorate the cibil score.
For above matter i have sent so many communications (Same available with bank) even i told if delay in reply my account will get charged but one is listing.
It is nice banking with rbl and enjoying the lot looking for early revert,
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