May I seek assistance on what should I do on this problem?
On September 15, 2015. I paid my Citibank Credit Card whose maximum due is P3,445.23 at an LBC Branch. I having been religiously paying the maximum amount due before my due date since I first got the Card in order for by bills not to gain interest & late charges. However last October 01, 2015, I received a letter from Citibank indicating that this payment was not received by Citibank. I went back to the said LBC branch, the people of the said branch indicated that LBC had stop receiving payments for Citibank but during that time their system still accepted the payment and I have paid my Citibank Credit Card on the said branch several times before without incident. Now the personnel of the said branch advise me to write a letter requesting for a refund of the September 15, 2015, which now ballooned to P4,139.29 this now includes the monthly interest and late charges aside from the original amount. I also requested the card to be suspended. After several weeks waiting still LBC has not refunded the amount including the interest charges. Last November 2, 2015 I now received a new letter from Citibank requesting me to immediately pay the total amount due which has now ballooned again to P4,798.49, because of new monthly interest and late charges. I have been following the status of my request for refund from the said LBC Branch but up to this time LBC has not issued a refund.
I am not a person who wants to get angry. But I do not want to pay for something that I have already paid in the first place. But I now feel I am being made stupid by LBC and its personnel on the said branch.
I humbly implore and seek advice or opinion on the next course of action I should take against LBC. Should I know seek assistance of a lawyer and file a court case? Is there a consumer advocate organization or government institution that could help me in getting this issue resolved.
On September 15, 2015. I paid my Citibank Credit Card whose maximum due is P3,445.23 at an LBC Branch. I having been religiously paying the maximum amount due before my due date since I first got the Card in order for by bills not to gain interest & late charges. However last October 01, 2015, I received a letter from Citibank indicating that this payment was not received by Citibank. I went back to the said LBC branch, the people of the said branch indicated that LBC had stop receiving payments for Citibank but during that time their system still accepted the payment and I have paid my Citibank Credit Card on the said branch several times before without incident. Now the personnel of the said branch advise me to write a letter requesting for a refund of the September 15, 2015, which now ballooned to P4,139.29 this now includes the monthly interest and late charges aside from the original amount. I also requested the card to be suspended. After several weeks waiting still LBC has not refunded the amount including the interest charges. Last November 2, 2015 I now received a new letter from Citibank requesting me to immediately pay the total amount due which has now ballooned again to P4,798.49, because of new monthly interest and late charges. I have been following the status of my request for refund from the said LBC Branch but up to this time LBC has not issued a refund.
I am not a person who wants to get angry. But I do not want to pay for something that I have already paid in the first place. But I now feel I am being made stupid by LBC and its personnel on the said branch.
I humbly implore and seek advice or opinion on the next course of action I should take against LBC. Should I know seek assistance of a lawyer and file a court case? Is there a consumer advocate organization or government institution that could help me in getting this issue resolved.