Credit Card Credit Card Dispute / Harassment 5239xxxxxx2107

Jason_Castelino

Jason_Castelino

New member
Bank Name
RBL Bank
Customer Care Number
02262327777
Loss Amount
5000001
Ratings
3.00 star(s)
Opposite Party Address
One World Center, Tower 2B, 6th Floor, 841, Senapati Bapat Marg, Lower Parel (W), Mumbai 400013
With reference to the above card number, I would like to bring to your notice the harassment over phone calls and home visits by RBL recovery team for a mistake made by their customer service team.

DD/Cheque # - 579226 - Axis Bank - INR 3,14,20 was paid towards the total O/s balance of the CC on 12th March 2024, and i received a confirmation that the cheque is cleared.

  • now RBL chooses to send me an email that they have received the amount and also chooses to keep the loans open on my account even though before preparing the cheque i had called the contact center on 4th March 2024, and was told that there is no need to worry as RBL bank (MoneyTap Card) doesn't charge any foreclosure fees.
  • So i prepared the cheque and submitted it to the bank (deposit slip - attached)
Immediately the 2nd Email from RBL was that we have dropped the limit to INR 1,61,000, which I understand could be an internal policy as the card was paid in full.
  • now the serious question here is if RBL's internal policy which i would challenge in court if need be, states that the limit should be dropped, parallelly all the loans should be closed as well since RBL has got the entire due against the card. (which RBL chooses not to do, and harass the customer with calls and recovery visits
Credit card bills are being sent to my registered email id
  • now i start receiving bills with O/s balance showing as negative (which means i have already paid) - all bills attached. I fail to understand the SOP's and policies of RBL banks' mechanism, because they were sending me credit card statements for those loans that were paid and confirmed by RBL.
  • this should be addressed in court where such mistakes are now hampering my credit score even after I paid the entire amount.
Money Tap App & Fre0 App - These are the apps that i was redirected to check the payments towards my card.
  • to my surprise someone from the backend team has deleted the entire re payment history of the customer facing app.
  • my app still shows that i have used 16k, i have INR 1,44,000 to use and my credit limit is INR 1,60,000 - (app screenshot attached)
Solution to this is to correct their mistake and all the responsible stakeholders owe me a written apology for the harassment during working hours and visiting my house and informing the watchman and my family members that I have a defaulted credit card for which they want to meet me.

I met both the recovery team members mentioned and displayed the credit card statements showing negative balance for 4 consecutive months, to which they agreed that its RBL's customer service's mistake.

Also, i want a monetary compensation from RBL for the harassment and false accusation against me being a defaulter in my absence at home, since they haven't worked towards resolving the issue, rather calling me from different numbers and continuously harassing me.
 

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We have gone through your complaint regarding credit card dispute and harassment is serious, and you have the right to take action against unfair banking practices. Here’s what you should do:
  1. Send a Written Complaint: Contact the bank’s grievance redressal cell and demand a detailed explanation of the disputed charges. Attach all relevant documents, including emails and transaction records. Send this via registered post only and mark it to the CMD of the bank.

  2. Legal Action: If harassment continues, send a legal notice to the CMD of the bank and consider filing a complaint with the consumer forum for unfair practices and mental harassment.
For legal assistance, feel free to contact us.

Thanks
 
  1. Send a Written Complaint: Contact the bank’s grievance redressal cell and demand a detailed explanation of the disputed charges. Attach all relevant documents, including emails and transaction records. Send this via registered post only and mark it to the CMD of the bank.
Ans - I have completed this step in Nov'24 - both email and registered post, still the calls from 3rd party agencies continue and no resolution.
 
Hello @Jason_Castelino,

Jason_Castelino said:
Ans - I have completed this step in Nov'24 - both email and registered post, still the calls from 3rd party agencies continue and no resolution.
Click to expand...
As you have already contacted them, you have strong reason and proof to file a case in the Consumer Forum..

TeamMember said:
Legal Action: If harassment continues, send a legal notice to the CMD of the bank and consider filing a complaint with the consumer forum for unfair practices and mental harassment.
Click to expand...

For legal assistance, feel free to contact us.
 
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