Submitted by: Gopal Kumar Gupta
Complaint Details:
I requested to the customer care for reversal of unjustified late fees charges charged by the Bank from Aug’14. From Oct’14 onward I always made my payment on time against my actual dues/purchases on the card. I never made any payment of late fees, interest and other financial charges till date, because those charges was charged to me forcefully, whereas I cleared my dues on time and regularly.
But gradually I reduced my usage and stop the using of card thereafter, when I saw the charges heavily put on my card. Now the amount comes to Rs. 22000/- which is totally absurd and unjustified, because I am not using this card from last 3-4 months. Suddenly when I stop using the card and not made any payment against the charges, I received so many calls from the bank for making such absurd dues.
From last 2 years I never received any mail, phone calls, SMS from the bank for making full payment, however it is clearly noticeable that charges was unpaid from my end since last two years. Bank has charging late fees, interest charges and taxes every month from last two years, but never demanding the dues from me in full for the reasons better known to the Bank only. May be they are charging on the hope that they will get a lump sump amount from me in the name of late fees, interest and taxes. Again addition to this, recently Bank has increased my credit limit from Rs. 40, 000/- to Rs. 48, 000/- in this situation where I am a irregular paymaster in the view of Bank.
Please clarify why the Bank wake up after two years, while knowing that I am not paying the dues fully. Charging interest and late fees from last two years seems an unprofessional approach from Bank.
So you are requested to reverse the unjustified dues immediately, so that I can use the same again. I am using this card from last 4-5 years and never have a bad payment track record in my history.