Dear Sir,

I am a PNB credit card holder (Card No. *************328). Further details of my
card are mentioned below. I like to complain against few charges that have been
charged in my last bill cycle.
It started off when I paid my outstanding for the bill generated on 08th July for
Rs. 6282. I paid the same amount on 17th of July by dropping the cheque (No.490679,
HDFC Bank) in Cheque-drop-box at LaxmiNagar PNB Branch, Delhi .
Later on I learned that the same cheque has not been cleared by 26th of July when I
got a call from PNB credit card division reminding me to pay my outstanding.
Later I got in touch with the Branch Manager of Laxmi Nagar Branch & inquired about
the same cheque & discovered that the box wherein I dropped my cheque had been lying
useless & was not being used for long. Instead of that the new electronic machine
for cheque-deposit was placed in the branch.
In order to avoid the misuse of the same cheque, I called up HDFC Bank Help-line no.
& stopped payment for the same cheque. And the same day, I drew the subsequent
cheque (no. 490680) using the new electronic machine for cheque-deposit. This time,
the cheque got cleared the very next day.
And now In my recent bill cycle generated on 08 Sep, 09 cheque bounce fee for
Rs.100, 3 other interest charges for Rs. 363.91(1.04+313.55+49.32) along with
service tax for Rs. 79 has been charged.
This was charged against the same cheque the payment for which I stopped i.e
(No.490679). I don’t know how come this cheque was not presented for the first 10
days of issuance & the PNB customer care too was not aware of cheque-whereabouts
until 26th of July when I stopped payment for the same cheque & issued the
subsequent cheque.
I humbly request you to waive-off all the charges which were completely unreasonable
in my next bill cycle & do the needful.
Thanks & regards,

Regards,
Rakesh Gupta
09811598570
Name on Card – Rakesh Kumar Gupta
Card No. – ********28
Valid from – 05/09