+91 11 2370 2555

www.abnamro.com

Hansalaya Building 15, Barakhamba Road, New Delhi, Delhi, India – 110001

Resp sir / madam,

I was using ABN Amro Bank's Credit card 6 years back, there was a mistake from their department like somebody else has swapped my card and they have added that amount to my account, naturally that was not accepted to me so i refused to pay due amount unless & until bank accept their mistake & deduct those charges from my account. but as usual they have never showed courtesy to resolve this problem. they extended the courtesy by charging me late fees on due amount, Because this was not my fault I tried contacting the Bank but they offered me vague answers, I requested them to show me Pay Slip, as per the commitment i received Pay slip but with Someone elses Signature. I immediately informed the Bank to prove this mis-understanding. one Mr. Anish Gupta, promised to settle the account. there was not a proper communication from the bankers end after that, meantime Recovery department was continually calling me & using Bad Words. So I had settled all my dues by paying full & final amount around 3 year back by cheque, accordingly one executive came to my office & gave me settlement slip against Cheque.

I was bit "Happy"? that i don't have to face vulgar calls from Bank after that. it was there mistake at all but they were not at all ready to listen & understand ! i Lost that battle…

But Again last 3 years, every month Recovery Department people from Delhi branch are calling me up for more payment, account was settled by their executive only but these people are asking for more money. If i don't pic-up the phone then they call at my Home number & use Bad Language. this time i have decided to fight against this & take this matter to Consumer Court.

for reference attached scanned copy of settlement letter.

Name : Vikram Ganjave
88 Navi Peth, L.B.Shastri Raod, Ganjave chowk,
Pune 411030 Maharashtra
Card No. [protected]

+91 11 2370 2555

www.abnamro.com

Hansalaya Building 15, Barakhamba Road, New Delhi, Delhi, India – 110001

Dear Sir

I, Jatinder Lamba, settled all my dues as discussed with your employee and received a settlement letter dated 22nd Feb. 2007.

Serial Number : NR 8202
Ref : NBA[protected]

My Credit Card number : [protected].

It was settled in Rs.24000/- in two installments.
Initial Payment Rs.10000/- and balance rs.14000/- in April'07 as discussed and written in settlement letter.

I paid the amount as per the commitments but till date I am receiving the calls from the collection agencies.
I have sent the fax to your collection agencies many times.
I showed the settlement letter to the executives whenever any one comes to me, but no one turns back after seeing the letter, rather a new person or new collection agency turns up with the demand of payment on behalf of abn amro.

I have been mentally harassed by the collection people and i am tired of telling them that I have settled the payment.

So kindly look into the matter. I do not want any disturbance in my life from the collection agencies on behalf of abn amro credit cards.

with regards
Jatinder Lamba

+91 11 2370 2555

www.abnamro.com

Hansalaya Building 15, Barakhamba Road, New Delhi, Delhi, India – 110001

I received a call from abn amro bank -card divn -delhi, {10 mts back} that my card has been upgraded to Platinum card, & there is no fee or charges for that..
Later, again I received a verification call from the same abn amro bank card divn delhi, saying that if i opted for the offer i need to pay up Rs.3000/-!!!
This is Cheating…!!!
Please do some thing…I donot want my card to be upgraded then…

sabithaumapathy

+91 11 2370 2555

www.abnamro.com

Hansalaya Building 15, Barakhamba Road, New Delhi, Delhi, India – 110001

Flag this messageRe: AAB Card No. [protected]Tuesday, 16 June, 2009 5:30 PM
From: "biswajit basu" <[protected]@yahoo.co.in>Add sender to ContactsTo: [protected]@in.abnamro.comCc: "Biswajeet Basu" <basu.[protected]@gmail.com>
Dear Mr. Bhatia,

Likewise you I am also not agree with you. For your loan amount you are charging the interest but for my payment it has no value. Regarding pre-closure charges you should have
informed me when you received the full payment for the outstanding amount. But neither you nor your executives have informed me about the pre-closure charges. I could made the payment for that amount also with the outstanding amount as I have already made it in the month of February 2009 as soon as your customer care executives informed me after making the query to your Executives regarding the outstanding for my said loan. At that time also your executives asked me to pay only the Pre-closure amount for clossing the account.

It is fine that you are the member of CIBL but you should not put wrong information or incomplete information to the CIBL. For my case I would like to draw your attention to the fact that your executives have misguided me and I will not be penalise for your executives fault.

It is fact that you are here for cheating your customers only. For any outstanding amount you used to make all possible initiatives for collecting the amount but for customers know how you are not at all interested to do any favour.

Again I am asking you to close my account by adjusting all the payments which I have already paid otherwise I will be compelled to take legal action against you as I have already paid you all the dues. More over that you can not charge debit note over debit note – it is criminal offence.

I am Waiting for your quick and positive reply.

Thanks and Regards.
Biswajit Basu,
Flat No. – 191, NUOVO ENGINEERS INDIA C.G.H.S. LIMITED,
Plot No. – 25, Sector – 10, DWARKA,
New Delhi – 110075,
Phone:[protected]Resi.) + 91 [protected].

— On Tue, 16/6/09, [protected]@in.abnamro.com <[protected]@in.abnamro.com> wrote:

From: [protected]@in.abnamro.com <[protected]@in.abnamro.com>
Subject: Re: AAB Card No. [protected]
To: "biswajit basu" <[protected]@yahoo.co.in>
Date: Tuesday, 16 June, 2009, 2:33 PM

Dear Mr. Basu,

We refer to your email dated June 14, 2009.

We acknowledge the concerns raised by you and appreciate your time in sharing these concerns with us. However, we are not in agreement with your demands for financial compensation.

We apologise for the inconvenience caused during your recent communication with the bank.

We wish to confirm that your feedback has been shared with the concerned unit Manager and we assure you that corrective actions have been initiated to avoid any such recurrences.

We would like to inform you that 3% pre closure fee need to be paid over the principal outstanding on the easy cash loan, in case you wish to preclose the same.

Since the payment was not made including the preclosure charges, the installments of loan account have been billed for the complete 24 months tenure.

The payment was lying as a credit balance on your loan account against which the subsequent EMI's got adjusted.

ABN AMRO Bank is a member of Credit Information Bureau of India Ltd (CIBIL) and as a process the financial transaction details of all credit card customers are shared with CIBIL.Please note that any customer who has been extended any type of credit/loan will be a part of the CIBIL database. Hence your transaction details have also been shared with CIBIL as a standard procedure.

We would like to inform you that total outstanding on your loan account is Rs 8, 568.36 which is payable by you. The account is suspended due to non payment of the dues within the stipulated time.

However we would request you to pay Rs. 5, 323.44 towards the loan principal outstanding and write back to us for the zeroisation of same.

We will reverse the late fees as a service gesture post receipt of above mentioned payment on your Loan account.

We request you to write back to us for the No dues letter post making the above payment on your account.

We assure you that the refreshed status of the Easy cash account will be updated with CIBIL in 60 working days from the date of zeroisation of account.

You may also quote the reference number [protected], in case you need any further clarification on the above resolution.

Please feel free to write back to us for any further clarifications in this regard or call our 24-hour Bank by Phone service in your city and our executive will be glad to assist you.

Assuring you of our best services.

Yours sincerely,

Rahul Bhatia
Client Response Unit

biswajit basu <[protected]@yahoo.co.in>
06/14/2009 10:14 AM
To: ABNAMRO <[protected]@in.abnamro.com>
cc: [protected]@in.abnamro.com
Subject: AAB Card No. [protected]

Dear Sir / Madam,

Please find the attached statements for loan account number [protected] for the month of December 2007 and June 2009 and you will find irregularities of your accounting. In the statement of December 2007 it was clearly mentioned by you that opening balance was Rs. 38, 533.59/- and Payment received by you Rs. 38, 534/-. That means you have received all of your payment to be payable by me. After that no dues should be claimed by you. Also in that statement you have mentioned t0tal payment due was Rs. (-)32, 800.39/-. On enquiry your customer care executives informed me that that amount was excess amount paid by me and would be adjusted in the monthly bills. At that time I could not understand what your intentions for sending such statement were. After that in every month you have calculated your dues with interest and for my payment you need not think for any interest.

Now come to the statement for the month of June 2009. In that statement you are claiming that Rs. 8568.36/- is outstanding for the above mentioned loan account and is required to be paid with immediate action. Is it not a malpractice from your end? It is needless to say that you have appointed some notorious people in the name of customer care executives who don’t have the ethics how to behave with the customers. Most of the time your customer care executives are not picking up telephones after waiting for long 10 to 12 minutes. And if they picked up the phone then they don’t have any correct information to provide us. And about your collection agents they are so irritating and have nothing to do except harassing the customers. I have informed them about the irregularities of the above mentioned account but they have done nothing except the irritating languages. Not only that after so many discrepancies you have dare to report against me in the Credit Information Bureau about my outstanding – which is to be sorted out after settlement of the said account.

Now tell me what do you want? Will you regularize the discrepancy with immediate affect or, shall I sue you in the court for regularizes my account and will also claim for the compensation for the mental harassments.

I am waiting for your early reply.

Thanks and Regards,

Biswajit Basu,
Flat No. – 191, NUOVO ENGINEERS INDIA C.G.H.S. LIMITED,
Plot No. – 25, Sector – 10, DWARKA,
New Delhi – 110075,
Phone:[protected]Resi.) + 91 [protected].

+91 11 2370 2555

www.abnamro.com

Hansalaya Building 15, Barakhamba Road, New Delhi, Delhi, India – 110001

Ok…so here I start a long story which started in Mar07 and just shows the pathetic state of affairs in ABN Amro bank and the pain, anguish and trouble a customer goes through due to stupid banks (to be read as ABN Amro) and appalling call centres of these banks

It all started in Mar07 when I had no clue that one transaction with the bank will make my life hell for the following 2 years. In Mar07 I decided to use the ABN Amro credit card to book US air tickets worth Rs 125, 000 (till date I repent doing this transaction with ABN Amro).

In April 2007, I was travelling for pretty much the entire month. However, I decided to make an early payment (10 days before the due date), knowing that the amount was big and wanted to ensure that the payment does not get delayed. I was in Gurgaon then so decided to call up the customer care to figure out if I can make payment in Gurgaon without much problems.

I spoke to a customer service executive, who surprisingly didn’t know the wherabouts of any ABN Amro ATM centres where I could drop the cheque. I informed the call centre person that I resided in Mumbai and if I make a payment in Gurgaon would the outstation cheque would take longer to clear. To this the customer care executive promptly replied that the cheque would take the normal 3 – 4 working days to clear despite being an outstation cheque.

Finally from some other sources I was able to find a ABN Amro ATM and deposited a cheque therein. As I turned around to leave the ATM centre, there was a board therein which stated “OUTSTATION CHEQUES TAKE 21 DAYS TO CLEAR”. I was stunned. I called back the call centre and this time round the other executive mentioned that outstation cheques would take 21 days to clear.

Just a day before the due date I landed in Mumbai and called the Mumbai call centre and gave him a background of the entire incidence that had happened and asked him a way out. To this the smart (pun intended) executive replied that why don’t I deposit cash payment of Rs 125, 000 so that I don’t have to make late payment fee. I was shocked the hear the same and informed him that we are talking of few lakhs here and not thousands. He again suggested that I make a cheque payment of the same amount again and after 2 months the bank would refund a DD against the excess payment made. I again reminded him that we are talking of few lakh of rupees and I don’t intend to fund the bank with my hard earned money!!!

Finally I agreed to cancel my earlier cheque deposited in Gurgaon. Make an immediate cash payment of Rs 6, 500 (minimum amount) and drop a cheque for Rs. 118, 500. All this, I did at 11.30 pm in the night to undo a [censored] up the bank did in the first place.

In this intermediary period, I had received a call from the bank to issue a titanium card if I purchase a holiday package worth Rs 4, 000 (call World Is Yours offer) promoted by ABN Amro. I had initially agreed to the same (this was before the devastating call centre experience). Post my experience, I called up the call centre and informed that I do not intend to buy the World if Yours offer. To this the executive informed that then I would not be eligible for a Titanium Card. I gladly agreed that I do not need the titanium card and the World if Yours offer. He asked me to cut the new credit card once I receive it. I did as instructed and hoped I had seen the end of my experiences with ABN Amro Bank. However, it wasn’t to happen.

I saw my next statement where the World if Yours offer charges were charged and not reversed. I called the call centre again and they mentioned that I would have received some gift vouchers and I would have to return the same for the charges to be reversed (I still wonder why the initial conversation on cancelling my titanium card had no reference of the same!!)

I informed them that I hadn’t received any gift vouchers…wrote mails for the same ….and they finally agreed to reverse the charges.

I saw my next statement to see some Rs 900 being reversed and the balance amount o/s and interest and late payment fee being charged on the same. Thereafter started a series of call which hasn’t ended till date.

I called the customer care frantically over the next few days to figure out the same …explaining my case and what had happened. Surprisingly, no customer care executive in ABN Amro notes anything in the system about the call with customers…coz everytime everyone calls and asks the same questions without absolutely no background of the case….Basically they take it for granted that the customer has all the time in the work to answer and explain it to every of their pathetic customer service executive!!!…who is bothered about customer service here!!!

Over the past 2 years, I have explained my case to around 30 – 50 customer service executives. I have asked them to provide me with an email id so that I can send across my credit card statements to show that all payments against my purchases have been made and the amount o/s is only towards the World if Yours offer (plus interest and late payment fee on the same) which I have not utilized.

I have been asked 100s of times to make payment….the amount o/s is small and I can make the payment…but I believe the question here is of principles and not of the amount involved. Why should I make payment for an amount I have not utilized?? I have asked the customer service guys several times for an email address where I can email the credit card statements which shows that all payments against my purchases and cleared and amount o/s is totally towards the ‘World is yours offer’ which I have not used and has not been reversed fully. But no one has ever provided an email address or even a fax number (not sure if they really want the problem resolved)

I have a year back cut and thrown away the ABN Amro credit card and have vowed to myself never to use any services of the bank

Today I use credit cards of 6 other banks and trust me all these banks put together have not been able to match even 10% of the frustration and anger caused by ABN Amro (we have a clear winner here, don’t we!!!).

Even today I receive calls from ABN Amro call centres an collection agents…threatening me…lol
In a last ditch effort I ask the bank to please have a look at the credit card statements and free me of the trauma and ordeal I have been going through over the past two years. Hope someone in the bank has some brains on their shoulders and some heart to think about the customers…

+91 11 2370 2555

www.abnamro.com

Hansalaya Building 15, Barakhamba Road, New Delhi, Delhi, India – 110001

my name is nizamudeen my card no is [protected] i have recevied a message from abn amro bank recorded internet purchase of Rs.5869.00 on 14/07/2009 but i not using the card plese solve the problem as quick as possible thank you