[Resolved]  State Bank of India — Unjustified Charges of Int. and fine

Dear Sir,

I am going to consumer court regarding unjustified amount levied one me. I have received the call from SBI credit card center and they assure me to reverse the charges for the some amount but as I have seen now nothing has been done regarding my complain and the bank has charged again the these charges as interest and fine within short period. Despite of repetitive request to bank still I am not received my SBI card statement.

It is really enough, now I am going to take legal help and now onward I will not pay any amount.

Best,

Naval Kukreti

Thanks and regard,





----- Original Message -----
From: [protected]@indiatimes.com
To: feedback gesbi <feedback.[protected]@ge.com>
Cc: feedback gesbi <feedback.[protected]@ge.com>
Sent: Sat, 3 Jan 2009 21:05:29 +0530 (IST)
Subject: Request to do needful...

Dear Sir,

Card No [protected]
phone no. [protected]
[protected]@indiatimes.com

With disappointment and regreat, I am now writing to you that statement has showing the following amount to pay.

Total Credit Limit 13, 000 Available Credit Limit -3, 099.57 Total Cash Limit 5, 200 Available Cash Limit -3, 099.57 Outstanding Details:
Statement Period 09/11/2008- 09/12/2008 Total Amount Due 15, 499.57
Minimum Amount Due 5, 154.24 Payment Due Date 29/12/2008
Last Payment Details: Date 02/10/2008
Amount of Payment Received 500.00 Current Outstanding Details:
As on Date 03/01/2009 Outstanding Balance 16, 099.57

This is the detais as per October statement. If you see you will find the total amount here for are unpurchased i.e fine and charges except intrest. If I take loan from somewhere it will not exceeds more than 24% but if I calculated the extra amount it near to 6000 thousand in 2to 3 month. Now, kindly let me know is this fare enough.

03/10/2008 FEE - LATE PAYMENT (EXCL GST 43.26) 350.00 D
09/10/2008 TOTAL GST DEBIT FOR CURRENT STMT 91.58 D
09/10/2008 FIN CHARGE ON RETAIL (EXCL GST 48.32) 390.94 D
02/11/2008 FEE - LATE PAYMENT (EXCL GST 43.26)
350.00 D 03/11/2008 OVERLIMT FEE (EXCL GST 61.80)
500.00 D 09/11/2008 TOTAL GST DEBIT FOR CURRENT STMT
160.00 D 09/11/2008 FIN CHARGE ON RETAIL (EXCL GST 54.94)
444.49 D 03/12/2008 FEE - LATE PAYMENT (EXCL GST 65.80)
532.37 D 09/12/2008 TOTAL GST DEBIT FOR CURRENT STMT 123.90 D
09/12/2008 FIN CHARGE ON RETAIL (EXCL GST 58.10) 470.10 D
Account Summary Opening Balance (Rs.) 14373.20 D + Purchase & Other debits( Rs.) 1126.37 - Payments, Reversals & Other credits(Rs.) 0.00 = Total Outstanding(Rs.) 15499.57 D now it near to 16000 Reward Points Summary Opening Balance 352 + Points Earned 0- Points Redeemed 0= Closing Balance 352

I really very much dissappointed with my SBI card. These are the following reasion why I really do not want the continue with the SBI card, I never received my statement in e-mail ids.If you are not able to received the statement how can you know what the amount you have to pay. There is no option to pay through the netbanking only today I have tried it failed.

Failure Transaction Status Reason NotFound

Transaction Reference Number MICI[protected]
Transaction date and Time[protected]:11:55
SBI Card No. XXXX XXXX XXXX 0957 Email [protected]@indiatimes.com
Payment Amount (Rs.) 6000.00 Pay From ICICI Bank NetBanking

I many times tried to login the site but it not connected showing something SQWL error. We can't able to pay directly to the bankexcept today, which I have seen. I made payment upto October as MAD befor the due dates but Bank Strike it not presented before the due dates.I call to customer care but it playing one tone only our customer executive are busy he will shortly contact you. Thanks for your passion. Once, I requested to enhance my credit availability it is the same from begining. My other cards availibility is near to 50K to 60K, but no action has been taken and now you are asking to pay excess limit fine. How disappointing this! please tell it is our fault to take SBI card. Whenever, the cheque is presented to bank, I always seen it reflect in statment after due date only. Now, I am requesting you kindly, please reverse all the unjustified amount which are charged in the my statement. Secondly, please please cancil this card. I really fedup from this. Thirdly, I will pay the justified amount in single payment, kindly let me know or otherwise I will not pay anything. I am ready to take another options. How one person will pay Rs. 6000 as intrest for 2 or 3 months despite that I have not received any call or reminder notice or statement from the bank.

I again request you kindly do something otherwise please let me know so I will think what I will do.

Regards,

Naval Kukreti
Phnoe No. [protected]
e-mail:[protected]@indiatimes.com