[Resolved]  S.B.I. Credit Card — Excesssive Demands asking me to cleaer Credit Cards Outstandings Dues.

From Mysore
Dr. S.P.Kavitha, M.B.B.S; D.G.O. 15th October 2007
# 15, 1st Main, 4th Cross,
Brindavan Extension, 1st Stage
Mysore-20

To
The Accounts Officer/Administrative Officer,
S.B.I. Credit Cards Divisions,
State Bank of India.

Dear Sir,
Sub: - Exorbitant Claims as Outstanding amount against my Credit Card
Ref: - SBI Card No: [protected], Ramdas, 09/08.

This has reference to the above subject under above reference. I would like to bring the following problems; to your kind attention and needful action.

I remember; some representatives from your bank had approached me ‘n’ number of times, during the year 2006 and compelled me to take the S.B.I. Credit card of your bank. On repeated request from your representatives, I opted for it and got the above SBI Card under above reference. Later, we reluctantly made some purchases, initially and struggled hard to locate the venue to repay the amount against the purchases made by us. We tried hard to get the above representatives over phone to seek details; but they did not respond, once they had completed their business with us.

We approached the main branch of SBI Bank, Mysore and asked for details but they claimed that they do not have anything to do with S.B.I. Cards and do not have any knowledge of S.B.I. Cards. All they advised us; is that “if you wish; you can drop the cheque in the ‘Cheque Box’- SBI Credit Cards’, kept at their bank premises.

Many times, we had dropped our cheques for the purchases made by us; mentioning our Credit Card No. at the back side of the cheque and dropped it in the above box. Later, some of your representatives/subordinates had approached me at my Nursing Home many times and had personally collected the amount by issuing the receipts for the small purchases; we had made, using the credit card.

Even though, I have been making my payments sincerely and regularly, yet your subordinates/representatives keep calling me on my cell, asking huge amounts as ‘dues against my credit card. They disturb me a lot and do not spare me even while I am in the Operation Theatre, conducting ‘Operations’. It is agonising; they claim exorbitant amount, as dues from my end against the credit card. I have requested them many times to furnish all the details to me, to justify theirs claims. But until date, they have been evading it and have not furnished the same. Instead, they keep disturbing me over my cell and each time, their claim amount is contradictory to their earlier claim. Each person has a different claim of his choice against my card. One person orally claims Rs 6,840/- as my outstanding balance as on August 2007. While, others demand Rs 16,468 as on September 2007 and Rs 35,673 as on October 2007. It is important to note that we have stopped using your SBI Credit Card long ago and if the problem persists, we shall highlight the same to our friends & to News-Papers regarding the above problems, we are facing. It is surprising; we do not have a separate office of SBI-Credit Card Division at Mysore, so that we can personally go to the office and seek any information or clarification, during crisis.

I have even, called your ‘Customer Care Division’ many times and had lodged a verbal complaint about it. It is surprising; even there, we are facing the same problems. Each time; when ever we call the customer care division, we get logged on to a new person and each time, we are forced to narrate the entire episode to him/her in detail. In return, he/she has a different story to narrate. In fact, I have called your Customer Care Division not less than 15 to 20 times and each time, I am fed up narrating the same story, every time. Not only, we have to digest his/her behavior but he/she puts us on the hold and tries out our patience and our valuable time. The only difference is that he pleads that your systems/server is ‘down’ or the concerned case worker has gone for a coffee/is on leave or the system is not up-dated, Records are missing, etc. He relishes himself by furnishing exorbitant amount of his choice and what ever comes to his mind. I have come across of a situation, wherein, on the same day, three of your subordinates/case workers in your Customer Care Division have furnished three different amounts ranging from Rs 3, 932 to Rs 47, 98 and another person by name Vivek gave me a shock of my life, when he said that my dues were nearly 78,096 as on October 2007. The reasons furnished by them for the outstanding amount against my credit card is due to ‘Late Fees’, ‘Interest’, ‘Processing Fees’, ‘purchases’ etc. If so, I wonder on what grounds you would charge Interest, what is the rate of Interest, Late fee, processing fee etc. I was not told any of these things at the time of opting your credit card; I am yet to get even one Statement of Account from your end.

As such, I request you to investigate thoroughly in the above matter and I invite with honor, the highest personnel of Hierarchy in the SBI-Credits Division of your Bank to my place; to finalize the matter once for all the discrepancies that has aroused from your end, due to oversight or wrong doings or for any other reasons. If not, I will not be responsible for the delay caused from your end. And most importantly, I pronounce and denounce, something is drastically wrong from your end and I will not pay unnecessarily for the discrepancies that has aroused from your end.


Thanking you Sir, Dr. S.P.KAVITHA.

New Postal Address:-
Dr. S.P.Kavitha,
# 2640/1, “PUSPHAHAS”,
2nd Main Road, V.V.Mohalla,
Mysore-02
Cell:[protected].