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Man charged for ‘Ghost’ credit card




It happens again and again. A person either has not accepted the credit card that was provided to him even when he had not requested the credit card, or he was charged for some amount where he did not make the transactions. Mistakes can happen, even though in cases of a financial nature, one would expect a much greater deal of carefulness on the part of the bank. However, what really takes the cake is when the bank refuses to come clean, or behaves in a manner that is totally against accepted consumer service behavior:

Paresh Karia (30), the owner of Jeetendra General Store, a grocery shop near Sonapur Lane in Kurla (W), was in for a shock when he received an ABN Amro credit card statement for June showing Rs 44,900 as due. Karia claimed that he never received the credit card. Karia said he approached the bank several times, but they did not reply. The bank allegedly did not even respond to his advocates’ letters. According to him, the bank has even started sending notices and making calls. “In the last two months, I have received over 15 calls from the bank’s recovery department, threatening me and demanding repayment of the dues and the late fees.”


He said, “In April, one of the bank’s telemarketing executive called me, asking me to apply for the bank’s credit card. At first, I refused, but the executive kept calling me, after which, I took the card. In May, the executive took my signature on the form, and took documents like PAN card and my HSBC Bank statement.” After 15 days, Karia received a confirmation call from the bank to verify the documents. However, Karia refused to give the details on phone and asked the executive to come down to his shop. “The next day, I received a parcel from the bank,” said Karia.

From time to time, the RBI and various Consumer forums have asked banks and other financial institutions to behave, and many times charged penalties, but these incidents keep on happening. It will come to a time when courts will actually start hauling executives of the banks before the court, like a court almost did to the ICICI Chief.




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