Yes Bank - Late Payment fee finance Charges by YES Bank Credit Card

I own YES Bank Credit Card **XXXXXXXXXXXX**.

In my credit card statement for the month of Feb-****, Rs **,***.** was due with payment due date of **-Mar-****.

I have paid the bill on **-Mar-**** through SBI internet banking NEFT UTR NO SBIN************ amounting to Rs *****.*.

However the same amount of Rs.*****.* returned back on **-Mar-**** itself with NEFTRR-SBIN************.

Then again I paid the bill on **-Mar-**** through SBI internet banking NEFT with UTR NO SBIN************ amounting to Rs *****.* (copy of SBI statement enclosed).

However the same amount of Rs.*****.* again returned back on **-Mar-**** with NEFTRRSBIN************ (**-**-**) RETURNED.

Than finally I paid the bill amount of Rs *****.* on **-Mar-**** through SBI net banking SBIN************ which was successful.

The above mentioned two transactions of **-Mar-**** & **-Mar-**** were returned back as inward IMPS/ NEFT/ RTGS services of YES Bank were disabled by RBI till **-Mar-****. YES Bank has also communicated the same via sms on **-Mar-**** (copy of sms enclosed).

To my surprise YES Bank has charged me late payment fees, financial charges and applicable GST on it amounting to Rs. ****.** in Mar-**** which is not at all appropriate as the inward IMPS/ NEFT/ RTGS services of YES Bank were disabled by RBI.

I have brought this into notice of YES Bank and they have reversed the late payment fee amounting to Rs ***.** in Apr-**** statement out of Rs. ****.**.

However they have not refunded the financial charges & applicable GST amounting to Rs ***.** in Apr-**** credit card statement.

On above to these mentioned charges, YES bank has additionally charged financial charges & applicable GST amounting to Rs ***.** in Apr-**** credit card statement (copy of credit card statement enclosed).

Thus total of Rs. ***.** were charged towards financial charges & with applicable GST in Apr-**** credit card statement.

As it is evident from above that the inward IMPS/ NEFT/ RTGS services of YES Bank were disabled by RBI and there was no fault or delay from my side in late paying the bill. Thus the late fee & financial charges does not become applicable to me as the inward IMPS/ NEFT/ RTGS services of YES Bank were disabled/ restricted by RBI.

I have brought this into notice of YES Bank vide service request no ***********, *********** & *********** respectively. Also there is no communication from YES Bank towards the service request mentioned above. I have given several reminders via e-mail to YES bank also but they are not responding to it.

Thus it is requested to kindly take action against YES bank for harassment & wrong deduction in credit card statement and to reverse Rs. ***.** with applicable interest at the earliest.