Consumer Redressal

I have received the Credit Card Statement for the period 16.09.2014 to 15.10.2014 which reflects a late payment fee of Rs. 500/- plus Service Tax. This is the second consecutive month where late payment fees have been charged inspite of honoring the payment on due date. I had made the payment for the last Credit Card Statement for the period 16.08.2014 to 15.09.2014 on 01.10.2014. The Bank was not working on 02.10.2014, 03.10.2014 and 06.10.2014 on account of public holidays and due to which the payment was not realised before 07.10.2014. This has been a repetitive exercise whereby the late realization of the payment due to non-performance or delay in performance of duties by the bank has been passed on to the customer by way of Late payment fees. Even during the last month, the bank had charged the late payment fee ofRs. 500/- and then reversed Rs. 290/- after raising the complaint for the same. This is a practice followed by bank to earn extra charge without providing any services.