[Resolved]  SBI Cards — Unauthorised debit from Card

SBI Credit Card — Insurance policy sold to me without my concern and wrong late payment fee entered in my account

Hi,

Myself, R.K.Rastogi, retired Govt officer, my son borrowed a housing loan from SBI head office, and there SBI ppl offered me a lifetime free credit card of SBI, in last December 06. which i accepted but to my surprise they charged a fees of some Rs. 2441.00 as activation of medical policy from Royal sundaram, (which i never asked for) and also they start increasing the amount with the activation charges and other nonsense charges. Now they start harrasing me by calling and asking for the Rs. 4539.00 as the charges against the card (this includes the late payment fee and card activation fee etc...). Now last month they sent me a notice from their legal cell stating the card payment due.

Now in order to get rid of this pain of SBI Credit card i settled the whole amount to Rs. 1000.00 with their legal cell personal and on the SBI stamped recipt he has written that i have NO DUES with the credit card, but again the recovery cell start calling me and asking for the payments.

Could you please help me with this problem? i am very much tensed and lost hope. This is strange when they are not able to sustain they start harrassing old people like us. Could you please tell me the solution for this? Waiting for an early reply..

R.K.Rastogi
[protected]@gmail.com

MISAPPROPRIATION Statement regarding


18 Sep 2008



Dear Ms. SHOBHA MAMIDI

Thank you for writing to SBI Cards.

This is with reference to your communication dated Sep 6 2008 12:36PM .

We understand the concern expressed in your communication and sympathizes with the difficulties faced by you. We are however not in a position to provide any waiver on your SBI Card Account. May we request you to keep clearing the minimum amount due to prevent further accruing of late fee charges.

Should you have any further queries on your SBI card account, would request you to reply at feedback.[protected]@ge.com using the same subject line or please contact our helpline at 39020202 or [protected] (only for MTNL and BSNL users). Our customer service Representatives on the Helpline will now be available between 8 am and 8 pm, Monday to Saturday. To access information between 8 pm and 8 am or Sundays regarding your outstanding Balance, Available credit and cash limits, payments made, billed and unbilled transactions, to request for a Duplicate statement/ATM PIN or to block a lost card, please use the IVR service at the same Helpline numbers.



If you are not satisfied with the response, you can write in to AVP, Customer Service, head.[protected]@ge.com using the same subject line. You will receive a response within 3 working days.
Yours sincerely,

Kranthi Kumar - Customer Service

Please note that the current rate of GST is calculated as 12.36% on the Fee, interest and charges as applicable.

Effective October 01, 2008, the finance charges will be revised from 3.1% p.m. (37.2% p.a.) to upto 3.35% p.m. (40.2% p.a.). This is for all card types except Elite and Platinum cards.

To know more about Payment options, Duplicate statements, Website & free reward points on E-statement registration, please click the SBI Card attachment.

Make your life simple with E [protected]@ www.sbicard.com. Just the convenience of getting your monthly statement delivered directly to your email inbox. To avail the e-statement facility, please click on the highlighted link - https://www.sbicard.com/sbi/estatementprelogin.jsp



**** Zero wait information @ helpline !!!

Upon calling the SBI Card helpline, access your Card account information through our Automated System - IVR and know Current Outstanding, Last Payment, request for Duplicate statement and more. For details refer the attached instruction.

Please note that the current rate of GST is calculated as 12.36% on the Fee, interest and charges as applicable.



-----Original Message-----
From: GOPAL REDDY ([protected]@gmail.com)
Date: Saturday, September 06, 2008 12:19 PM
To: feedback.gesbi (feedback.[protected]@ge.com)
Subject: Re: <AUTO> SBI Credit CARD MISAPPROPRIATION Statement regarding

Dear sir,
Thank you for your quick reply, As we have been already written strictly regarding the SBI Card Account or SBI Card service are neither it is required for us the account nor we are interested to continue the service.

Hence we would request you to kindly remain close the SBI Card Account/Service comletely & permanently once for all without any further delay. Your Quick action in this regard is highly appreciated to avoid the legal procedings. Treat this as most URGENT and do the needful at yours earliest.

Thanking you for your kind cooperation & earliest action.




On 9/5/08, feedback.gesbi <feedback.[protected]@ge.com> wrote:
Dear Sir / Madam,

Thank you for writing to SBI cards.

This is a system-generated response to acknowledge receipt of your e-mail. The subject line contains the reference number allotted to your e-mail. This interaction is being tracked through the above reference number and we request you not to change the subject line in future correspondence . Our Customer Service Executives will revert to you through call or e-mail within 7working days.

In case your query requires further investigation and takes a longer time, we will keep you informed on the time required for resolution.

We would request you to mention your SBI Card Account / Card number in all your correspondence to enable us to process your request at the earliest.

Assuring you of our best services at all times.

Warm Regards,

SBI Cards Team

Payment Options With SBI Cards. You can now make payment (s) to us through 8 different ways.

Pay Net: - Click on pay net at www.sbicard.com to make your payment online from your bank account available with HDFC Bank, Citibank, Kotak Mahindra Bank, Axis bank PNB and IDBI bank

Pay Cash: - Walk into 3500 Easy Bill Merchant Outlets & Pay in Cash (Available in selected cities only)

SBI ATM: - Pay at over 8000 SBI ATM with your SBI ATM / Debit Card.

Online SBI: - Simply log on to www.onlinesbi.com to pay your bills directly from your SBI Bank Account.

Electronic Drop Box:- Please make cheque payable to your "SBI Card Number xxxx" (16 digit SBI Card number) & get on instant receipt. (Available in Bangalore City only Outstation cheques not accepted.)

VISA Money Transfer: - Use VISA Money Transfer funds to pay your SBI Card bill. (Available for VISA cardholder only)

Electronic Clearing System: - Authorize us to debit on account (Saving /Current) of any bank by filling an ECS Form. (Available in DELHI, MUMBAI, BANGALORE, HYDERABAD AND KOLKATA only)

SBI Card Drop Box: Please make cheque / Drop payable to your "SBI Card Number xxxx"(16 digit SBI Card Number) Outstation cheques not accepted.

Online Services with SBI cards

Now you can manage your account Online from Anywhere & at Anytime by logging on to our website www.sbicard.com and " creating your User ID and Password ". Post registration you will have immediate access to the following features:

View and Print your Last 3 Monthly Account Statements

View your Latest Transactions / 1 Year Payment History / Outstanding

Track your Total Outstanding Due & Payment Due Date

View Account Status - Available Credit & Cash Limit

Locate Drop Box

Reward point list

Modes of Payment ...and much more.



-----Original Message-----
From: GOPAL REDDY [[protected]@gmail.com]
Sent: Friday, Sep 5 2008 11:47AM
To: feedback.[protected]@ge.com [feedback.[protected]@ge.com]
Subject: SBI Credit CARD MISAPPROPRIATION Statement regarding


To,

The Chief Executive Officer,

SBI Card Division



Ref:- Card No: [protected]



Dear Sir,



This has reference to the SBI Card No: [protected] as of 6-4-2008 a statement showing particulars as below



credit limit : Rs.30, 000.00

Cash limit : Rs.12, 000.00

Opening balance: Rs6, 667.70

Purchases & other debits: Rs644.08

Total outstanding: 7, 311.78



30-3-08 fee latepayment (Excl Gst43.26) 350.00

6-4-08 finance charges(Excl Gst27.59) 223.23

6-4-08 Total GST debit for current stmt 70.85



Also yesterday we have received a phone call from local Hyderabad - Begumpet SBI officials called on us stating that the amount is due to pay from our side. We are shocked to here this news. More over they have given us ours SBI Card No is as [protected], it is not matching with your printed & posted statement dated 6-4-2008.



Hence please verify your corresspondance & statement of account, from the SBI Card receiving date till now it was not et all used any where any time, why you are showing all the false statements and etc, in future also neither we are interested to use it nor it is useful for us, instead of getting all the nonsence creation. Kindly stick on to your offical business and to bother us any more.



Thanking you for your kind coopertion



Loking ahead for good new & best service



Mamidi ShobhaW/ o K.Gopal Reddy



YOUR AUTO REPLY

Dear Sir / Madam,

Thank you for writing to SBI cards.



We acknowledge the receipt of your email and we shall revert to you with in 5 working days.

We would request you to mention your SBI Card Account / Card number in all your correspondence to enable us to process your request at the earliest.

Assuring you of our best services at all times.

Warm Regards,

SBI Cards Team



Dear Sir,

Kindly reply (not the auto one) see the message practically and try to resolve.


K.Gopal Reddy
6-3-581, B-302 Keshav Dale Apts
Anandnagar, Khairatabad
Hyderabad-500004, A.P, India
Phone[protected], [protected]


DEAR SIR,

HERE WITH WE ARE SENDING THE FINAL REMINDER TO YOU TO ACT UPON AND TAKE NECESSARY APPROPRIATE STERN ACTION, AND PLEASE SEE THAT WE ARE NOT INTERESTED IN ANY FORM OF YOUR HELP OR ANY KIND OF STATEMENT OR ANY PHONE CALLS FROM YOUR END. TREAT THIS AS FINAL STRONG OBJECTION (WARNING) IN THIS REGARD. IF NEGLECT IT ON YOUR PART IN FUTURE YOU WILL BE IN REAL LEGAL TROUBLES. YES WE WILL TAKE UP LEGAL STERN ACTION UPON THIS.

HENCE IT IS HERE BY REQUESTED THAT PLEASE NOTE THAT WE ARE NOT ET ALL NEITHER USED ANY TIME OF YOUR CARD NOR WE ARE INTERESTED IN IT. BEING A GOVERNMENT ORGANISATION YOU MUST BE VERY CAREFUL IN THIS MATTERS.

FINALLY WE WOULD LIKE TO REMIND THE CONCERNED OFFICIALS NOT TO DISTURB US
AND FURTHER SEE THAT NEITHER PHONE CALL OR ANY MESSAGE.

THANKING YOU FOR YOUR KIND COOPERATION

--
Mamidi Shobha
w/o K.Gopal Reddy
6-3-581, B-302 Keshav Dale Apts
Anandnagar, Khairatabad
Hyderabad-500004, A.P, India
Phone[protected], [protected]
email.[protected]@gmail.com

I am a credit card customer of your organisation with credit card no: [protected]
i am disagrreing with the txn took place on 24/11/08 where in it was infromed by youur credit card officials that 3txns were made on 24/11/08 at chennai saravana stores .Iam a govt employee and residing at nellore. On the said txn date Iam in nellore only . Iuse to keep creit card with me only. How for this txn refelcted to my credit card a/c.
One more doubt Iam getting is whether it is possible to use my credit card without physically producing the credit card at the time of transaction.

After going through these anonymous transactions Iam afraid o[censored]sing the same for even normal usage . It seems some flaw is there .
I request you to block my card for further txns
please take up the complaint on top priority and recredit the amnt that was debited to my cr card a/c .
Iwill be waiting for your reply...basing on your reply I have to proceed further in this matter .

why in monthly statement...on Dec 2008 there is 1338.98 is due for me, as i paid in the month of july 2008

To whom so ever it may concern,
I would like to bring to your notice that I booked a ticket on 12th NOV 2008(details below). I paid using my SBI bank's VISA debit card.
Later-on I checked my account statement and realized that Rs 654 was debited twice for one ticket(Please check my SBI account statement shadowed yellow below)
On 12 DEC 2008 the ticket was canceled due to non-confirmation of seat. I got Rs 589 credited to my account on 16 Dec 2008.
Where did the other Rs 654 go? Can someone help me?
I have written several emails to [protected]@irctc.co.in and visited SBI branch but NOBODY CARES!

Account Details
Account Number [protected]
Description SBCHQ-GEN-PUB-IND-NONRURAL-INR
Name Dr. VIJAYKUMAR SHIVABASAPPA KAMAT
Balance 6, 835.00
Currency INR

Last 10 Transactions
Date (Value Date) Narration Ref. No. Debit Credit
31-Dec[protected]Dec-2008) CREDIT INTEREST 69.00
16-Dec[protected]Dec-2008) BULK POSTING
0076201376831726988816CANC589.00 589.00
03-Dec[protected]Dec-2008) TO TRANSFER
LIC_Ref MSBI[protected]IG04563044 TRANSFER TO [protected] 990.00
16-Nov[protected]Nov-2008) POS PRCH
[protected] [protected] 376.00
16-Nov[protected]Nov-2008) POS PRCH
[protected] [protected] 587.00
13-Nov[protected]Nov-2008) POS PRCH
[protected] [protected] 654.00
13-Nov[protected]Nov-2008) POS PRCH
[protected] [protected] 654.00
10-Oct[protected]Oct-2008) CLEARING / CHEQUE
By Clearing Entd By VRD Chkd By ABN
44739 8, 438.00
21-Aug[protected]Aug-2008) CASH DEPOSIT 1, 000.00


Thank you.

Dr Kamat

HDFC Bank — Cortines Harassment

Dear Sir,

HDFC Bank is harassing me for credit card payments since last year. I have made all the payments have all the receipts of it month by month. They assured me to give me the No Objection Certificate but I did not get any from the bank. I got my credit card settlement done but could not pay all the installments on time. But for this I had paid the penalty of Rs 4100 also.
Still this bank is harassing me that your dues are not cleared. We have visited the bank several times for this but still I get calls from the bank. The collection system of all these banks is screwed up and they are harassing general public of India for this

Regards
Nitika

Dear sir
i viswanathan using the sbi card my numberis [protected]on this month iwas taken net statement date 23/03/2009 in that i was seen that MAX RETAIL LIFE LUCKNOW UTP ON 07/03/2009 DEBITED 1324 WITH OUT MY INTIMATION. SO PLACE KINDLY CLEARIFY AND CRIDET THE AMOUNT .IN MY CARD, SEND DETAILS ( MY PHONE NUM-[protected])

V.VISWANATHAN
C/O NAGARAJUN CONSTRUCTION COMPANY LTD
3/171 VISHAL KHAND, GOMTI NAGAR LUCKNOW

Dear Sir,

Iam Dr.P.Permanas an SBI Card holders since above 20 years
number- [protected] Iam being billed un-authorisedly
in my monthly statement.the fallowing amounts should not be paid
and should be stopped as they are un-authorised.

1.BILLFF.COM

2.DIGITALFEE.COM

I have sent three mails from Mail ID to you and to party concerned, please see that it is not billed
henceforth.I hope you will let me know in this regard.

Dr.P.Permanas
C1, Gulmohar, Amrutha valley,
Road No.12, Banjara Hills,
Hyderabad, India-Pin-500034.
Ph.[protected]
Mobile. [protected].

This bank is totaly wrong. One of my friend is suffering by same problem.

Ya.. correct.. unfortunately, i made late payment once.. Penalty is 700 Rs for that..

SBI Card — Do Not Disturb Service link not working.

The "Do Not Disturb Service" link on the SBI Card website is not working.
The URL look suspecious. Is SBI Cards trying to fool the customers?
SBI Cards should fix it immediately.

Dear sir,

my card was debited without my cosent.Reverse the entry.


G.seshagiri rao

sbicardis harassingcardholdersthrough their insurance policy which I have also faced