I have been using this credit card since 10/06, I had used this credit card quite often and used to make payment on time. I had made a payment of Rs 24000/- against the statement of AUGUST 2007, where the due amount was Rs. 23860.75/- as per the statement dated 08/09/2009 and due date was 28/09/2007. I made a payment on 26/09/2007 through HDFC bank Cheque but the bank recorded the payment on 05/10/2007 and wrongly slapped all the charges like late payment charges, finance charges and service tax etc. Obviously I didn't pay the late payment charges as the fault was not of mine and when putting the Cheque, I had asked for the receiving but I was told to put the same in the drop box without any receiving . Thereafter I was levied charges and charges and charges . As I was right on my part I didn't feel as giving the heavy penalty . If I had an intention of not paying the amount, I would not had paid more than the outstanding amount ( in a round figure ) .

I had called up the bank and expressed grievances but the bank was reluctant on the reversal of the charges. I had called the bank again and requested them to reverse the charges as i had made total outstanding payment before due date but bank did not do any thing on that part.

Bank has multiplied the charges and over the period of time and the same accumulated to the total outstanding of more then Rs. 10000/-. I have also been harassed by the collections people no of times by calling at odd times and threatening to put my name in the defaulter list . Recently i have come to know that bank have sent my name for the inclusion in the list of defaulters in the CIBIL database.

This is sheer demonstration of high handedness and unethical practice at the Deutsche Bank part .