Standard Chartered Bank Reviews
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FCJ
June 19, 2009
Non-disclosure of Reason for Credit Card Application Rejection inspite of the Credit Information Act of 2008
I applied for credit card of standard chartered bank in the philippines through their tele marketers. The telemarketers ask me to submit photocopy of ID together with specimen signatures. However, after waiting, i was informed my application was declined. When I asked for the reason, Standard Chartered Bank's phonebanker refused to divulge, in violation of Republic Act 9510 . Section 4 (n) of said law states: "xxx The borrower has the right to know the causes of refusal of the application for credit facilities or services from a financial institution that uses basic credit data as basis or ground for such a refusal. xxx"
By getting personal information and other pertinent document on my part, the bank, or its credit card subsidiary unit, willfully violaTED my rights as applicant of a credit facility under the said statute.
I hope the relevant authorities could read and take necessary steps to prevent this very arrogant stand on the part of that bank.
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October 28, 2008
Fault transaction
I am from USA and came back to HK for work. When I asked for an ELI for AUD to HKD transaction, the officer mistakenly entered 2 transactions due to poor computer. This seemed simple, so I asked them to cancel the duplicated one but they finally cancelled all transactions. I did not realize this until after 1 month when the deposit was due but I received no interests! This is a worst bank I have ever seen as they internal communication is horrible. I am filing a law suite against SCB as a result since I have all the facts and evident, even the transaction confirmation! But they insisted not to pay my interest. Hence, no one should ever get services from SCB.
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October 19, 2008
Fault Transaction
I am from USA and came back to HK for work. When I asked for a ELI for AUD to HKD transaction, the officer mistakenly entered 2 transactions due to poor computer. This seemed simple, so I asked them to cancel the duplicated one but they finally cancelled all transactions. I did not realize this until after 1 month when the deposit was due but I received no interests! This is a worst bank I have ever seen as they internal communication is horrible. I am filing a law suite against SCB as a result since I have all the facts and evident, even the transaction confirmation! But they insisted not to pay my interest. No one should ever this bank as this provides garbage service!
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June 13, 2008
Debit card missing
In the world of today, where we all blindly rely on plastic money for each and everything, I too am not spared from the benefits of the ATM which is an Automatic Teller Machine but we call it ANY TIME MONEY because it is dam useful. The problems comes into the picture when someone like me who relies so much on this machine that I hardly carry cash around, is now without a debit card for more than a month. The magnetic strip of my card stopped working and whenever I swiped the card, it was rejected inspite of having balance in the account. This was reported to the phone banking executive first on 12th May 2008. A request was placed for a new debit card to be sent across to me. The bank claims to send me the card thru one of the biggest courier companies across India, First Flight, The company is doing nothing to maintain its name as they don't even follow the basic norms of leaving a message card if nobody is available at home and the same happened with me. By the time I called bank to chase my card, it was already sent back from First Flight to the Chennai main office. The Phone banker then took request for re delivery and I have been calling once in every 2 days since then to chase and trace the card but there are no whereabouts of the same. Repeated requests and complaints. I even visited the bank but even they cant do anything in this case as it is dealt with by the chennai head office. I have to face embarrassment more than often as I don't have cash to carry around. Since I am working, I don't get time to visit the bank every now and then to withdraw cash with self cheques or withdrawal slips. That doesn't end my problem, I have complained repeatedly and have NEVER received the 'promised' call backs. Also, a cheque deposited by me was returned on 2nd June 2008. The bank has sent cheque back to me but I see no traces of the same.
Some of the complaints and reference numbers available to me are:
Sandeep/LC/0608/11
Padma/LC/0608/35
Angele/LR/0508/91.
And, I am still without my debit card. Please help me sort this out and I would also seek compensation for the repeated phone calls made, mental harassment, amount spent on petrol to visit the bank repeatedly and my wastage of time.
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April 29, 2008
Complaint of credit card of standard Chartered Bank
We are using credit card no. 4196-0749-1714-3738 of standard Chartered Bank in the name of Suresh Sharma with Add-on card No. 9356-5008-2618-7718. The card was in regular use for a long time and all the purchases made were being paid off in time. But suddenly from January-2007, the bank started to charge some unjustified and unsubstantiated charges in the nature of finance charges and service charges. On contacting to the customer care, we were always assured that these are due to the system problem and will be waived off in the next time. But we were surprised to see that these charges were not waived off instead bank has charged further charges in the same shape. After contacting to the customer care again, We were again assured that these will be adjusted in your next statement.Although we were making payments for the purchases made. But the bank was adjusting the payments made proportionately to the different cards and that's why the balance was outstanding in our card account.
Now the position is this that inspite of all the principal payments made, the bank has made a big outstanding in card account in the shape of finance charges & Interest & Service Charges thereon. still we are using the card & making the payments of the purchases made but the bank is adjusting these payments proportionately to outstanding amounts of other add on cards resulting in an outstanding of big amount.Althoug all the payments are being made. we are not at any fault because at all the statment time, I was being assured by the customer care of the bank regarding the waive off of the charges in next statement.
In view of above, you are requested to please take up the matter with above bank and arrange to reverse all the unjustified and unsubstantiated amount charged in the bill to sort out the matter.
regards,
Wg. Cdr. Raj Dhanoa (Retd.)
Vice- President
Safari Bikes Limited
E-650, Phase-V
Focal Point, Ludhiana (India)
Ph. 0161-5012515 to 5012519
fax:0161-2673783, 5012520
Email: [email protected] |
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March 2, 2008
Worst bank ever!
Horrible... This is the worst bank for home loans. On the website they say insurance is optional, but once you take the loan, the insurance option becomes mandatory. The talk to you at the security desk, they say it is based on RBI notification, when we ask for details, they say the notification was given verbally. They don't respond to mails, they promise call backs, but never do,Managers are useless group of dumbos. Never take a loan with this bank.
Standard Chartered Bank Sucks!
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January 30, 2008
Poor service from Standard Chartered Bank
This is with regard to the late payment charges being laid upon me even after I made the payment.
The sequence went like this:
1. In April 2007, I asked the Standard Chartered people to change my billing address.
2. After that I went on site and came back in November, and to my surprise, the address was not changed.
3. I again called them up and asked to change the address and asked them to provide me Statement. I mentioned very clearly that since they didnt change the address previously, so whatever late charges they had laid had to be reverted because it was their mistake. They agreed to that. I also mentioned that unless i receive the Statement, I am not going to pay.
4. But I got the statement only on dec 25 and to my surprise, one more month late payment charges were added to it.
And the customer care people say that I would HAVE to pay, even though it was their mistake.
This bank really "sucks" in terms of customer service. They dont realize their mistake and keep on pestering the customers. My credit history with all other banks is extremely good and I am FED UP with SCB.
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