my name is PURUSHOTHAM, with credit card no. 4317 5753 0400 9690. i hav already paid the bill amount of rs.5, 000 from the total of rs.10, 655.62, for the month of july through the cheque belonging to united bank of india, the cheque no. is 393499 and the payment date is 6 july 2010. but the statement which i recevied in august, it is showing the same amout and not showing any results of the payment of rs.5000. and i also received the cleard cheque of rs.5000 on 9th july as i hav paid the payment. so, please kindly solve it and send the correct balance on my bill, by removing all the fines and interest charges which you have charged. I have right to approach to consumer court.
Thanking you

From
R.Atmanandan
Card no: 4006 6610 1563 7049
T.C 40/221, FPSRA-184,
First puthen street,
Manacaud P.O
Trivandrum-6950009
Ph no:0471-2468532


To
SBI Cards & Payment Services Pvt.Ltd.
DLF Infinity Towers, Tower C, 12th Floor, Blook 2,
Building 3, DLF Cyber City,
Gurgaon – 122002 (Haryana) India.


SUBJECT : CLOSURE OF MY CREDIT CARD ACCOUNT - LETTER WRITTEN TO YOU ON MAY 12th 2008.
( Reply not received from you so far)

Dear Sir,
The following is the copy of the letter written to you, On 12th May 2008.

I write this letter to demand you the closure of my credit card account and cancelation of the same. This is because your office is now a center of fraud. Debiting late fee without any reason was the usual fraud and now started with new item i.e. making alterations in the check issued in your favour and presenting and encashing through clearing.
On the request of your Chennai office, I have issued a cheque for Rs.430/-
Dated 31-03-2008 towards full settlement of my credit card account.
On verification of my Bank account I found that the above said cheque bearing number 005578 presented for payment after alteration of the amount both in figures and words to read as Rs.1430/- and received payment.
(Copy of receipt no: 11022590 for Rs. 430/- issued by your collecting agent of Trivandrum already forwarded to you with this letter of 12th May 2008.)

I never had such experience before . I lost all faith on your bank credit card and hence demand closure of the account. Your credit card already proved to be a burden for me since 2006 April, I was not using the card since June 2006. I was waiting for clearing all my genuine dues. They are over by February 2008 and hence demand the closure of the account.
So far, your office had debited me without reason delebrately every month with various amounts (Rs.336.72/- to Rs.674.16/-) and a total amount of Rs.5222.70/-. You have recovered from me Rs.3201.36/- including Rs.1430/- (check altered and collected amount) now I request you to refund me Rs. 3201.36/- by your demand draft drawn on Trivandrum .

( I have paid all the installments of the loan granted to me well before the due dates. And most of the installments you have over looked and debited my account with late fee. This is clear from your statement itself.)
Please verify your statements from January 2007 to February 2008
(12 installments of Rs.3800/- including interest )

The protection plus insurance already cancelled in June 2007 wide my request letter as well as your statement. I also request you to pay back me the amount already remitted by me. ( That also comes nearly Rs.5000/- this also should be send by DD drawn on Trivandrum.)

I request you to do the needful at an early date. I am waitng for your reply.
I will proceed further to the BANK OMBUDSMAN, if your reply is not received as soon as possible.


Yours Faithfully
R.Atmanandan

Date :12-5-2008
Place : Trivandrum


This is for your kind information:

The following are the usual frauds of your office statements sent to me :

1. Not executing instructions given regarding flexy pay account and demanding full payment of the amount of the bill immediately along with interest for the amount. On contacting your office to ask about that you suggest to pay less the bill amount, Immediately next month you collect processing charges to transfer the amount to flexy pay and claiming and debiting the late fee according to your will and pleasure without any reason. (This started in your credit card account since April 2006).

2. On writing letter to your office regarding late fee, two times you have recredited my account with that ( without any use – In the words of the officer (REFLECTION OF AN OBJECT IN A MIRROR  NOT AVAILABLE FOR ANY PAYMENT ).

3. Terrorizing by demanding amount, twice of the same amount widrawn using credit card and debiting interest and late fee.

4. Concealing payment made and received by you even before the due date and imposing late fee. Please verify the statements of 2007.

5. Amount of late fee refunded taking back immediately without any reason.

6. Not adjusting any payment from late fee credited back to the card account.

7. Demanding check for closure of the account from Chennai office, Sending your agents to my home to collect the check and altering the check to the will and pleasure of the bank. And presenting for payment and through clearing.( Bank statement already submitted to your Trivandrum office)

I am sorry to say, a BANK like SBI – Being the biggest bank of India which has core banking is behaving like this !!! IT IS SHAME !!!


“ If your reply is not received within one week after closing the account… I will forced to send the copy of this email to BANK OMBUNDSMAN, CHAIRMAN of the SBI, The MANAGER OF SBI Credit card and as well as to all the Media PEOPLE !!! “

By
R.ATMANANDAN

Hi! This is a totally disgruntled guy here who has suffered a lot after having paid all my dues to the worst credit card company i have come across-sbi cards and the worst set of people working for it. I have cleared my payment in the month of august 2005 and after all these years they send people home asking for a settlement. I hold cards of all major companies for the past 15 years and this has by far been the worst experience in this regard.i would request people to be careful when you are applying for a card from sbi becoz initially they are very sweet to you later they take the life out of you and your family.

I have asked for any insurance with SBI Credit card and neither approved them when a call was made. But they have added two insurances to my card and are forcing me to Pay Rs.4500/- and for past 6 months I am trying to make them understand it is not my fault but now including all late payment and interest charges they are forcing me to pay Rs.8500/-. They have even went to an extent issuing a legal notice.

I was using a SBI Card for about 2 years. I applied for a Balance Transfer for Rs. 8000 to pay my outstanding amount on my HSBC Credit card. But these people sent me cheque favoring Standard Charted Bank with my HSBC Credit Card number. I donot hold Standard Charted Bank Credit Card. Immediately I called up SBI Customer care and clearly explained them the situation. They promised me to cancel the cheque and re-issue a new cheque with correct details. Since then I did not receive any communication from them.

A month later, I started receiving call from Customer Care saying that there is an outstanding amount to be paid on the credit card as the cheque issued to me was cleared, though the cheque is not submitted. I explained her the entire story. As usual she promised me that the amount will be reversed back. But not done. I nearly called more that dozen customer care executives and explained the problem. Everyone said that there is a fault from their side and soon the amount will be reversed. But no action was taken. I even escalated the issue to the [email protected]. Even they did not make proper communications and always sent the same mail. But the query is not answered.

This lasted for about 5-6 months and one day I was really frustrated and canceled the card and did not get any confirmation from the bank. I called them up and confirmed that the card is canceled. But calls from Customer Care regarding the payment did not stop till TODAY...

IF YOU OWN SBI CARD, PLEASE CANCEL IT IMMEDIATELY!!!

THEIR SERVICE IS REALLY WORST AND YOUR QUERIES WILL NEVER BE ANSWERED.

Sriharsha,
SBI Credit Card Victim.