[Resolved]  State Bank of India — SBI Credit card --- a Head ache

Rameshbhai c. Patel
B/7, surmandir near janakinagar,
Ellorapark-gorwa road, vadodara 390 016
Tel: [0265] 2290224,[m][protected]
Email : [protected]@rediffmail.com
24 february 2008
Needs immediate attention of the management of sbi cards.
Ref: the demand notice from your advocate m/s lawyers inc. For payment dated 14.02.2008 received on 23.02.2008
With reference to the captioned demand notice from your lawyers inc. I do not understand what actions you are going to take. The money which i have not utilised and the greatest administrative mistake from your end, on what account you are goint to punish the normal citizen. You are not replying any thing against my several communications and straight way you are sending the legal demand notice for payments, which you have wrongly debited.

Kind attn : mr. Rajiv krishnan – g. M. – sbi credit card – for immediate actions.
Received the statement dated 09.01.2008, again in which you have debited the same amount of fin. Charges, instalment of emi, interest charges etc. Please arrane to take the actions immediately to stop this wrong debits.
I received the phone call from your sbi card office new delhi before 10 days regarding the reversal of the wrong debits and it is under processed but no final response or deceision has been received till date.
Received your reply of 12.01.2008, through email, but the problem does not resolved as it is going on since seven months. Niether i am able to utilise the card nor i am getting the credit of wrong debits, the future status of my case is in the sky. No body is replying positively regarding my case. What actions i should follow, you may kindly suggest.
Every time your reply is that “within three days you will be received the answer, but three days are not completed since last 7 months. I do not understand the definition of three days which you are replying in your reply.
Please reverse the same immediately and issue the fresh credit card

Please arrange to stop the calls from your collection agency immediately.

To
The chairman & managing director
Sbicpsl urgent for immediate actions.
Post bag no: 26,
Gpo, new delhi. 110 001
Sub: reversal of all the transactions wrongly debited to my account in the month of june and july 2007.
Ref: your statements from june 2007 to december 2007, for
Credit card no: [protected]. Staement is of 09.08.2007 is pending as it is not received.

Dear sir,
With reference to the captioned subject matter please reverse all the transactions debited to my card account wrongly. The detail are as under. For which i talked to your representative mr. Arbras, mr. Prashand and mr. Kshitij not less than 90 times. But till date the actions are not initiated.

Again and again in every statement it is debited all type emi of loan and other false charges. Kindly arrange to stop further debit in my statement. And i have no heard about all the reversal of transactions debited to my card account. Take steps immediately.
Date particulars amount.
02.06.2007 encash processing 1011.24
09.06.2007 govt. Service tax on loan amt. 74.10
02.06.2007 pre – computed interest 16200.00
09.06.2007 encash emit ran pln 48 1275.00
02.06.2007 encash debit 45000.00 – temporary credit given in august 07
[the draft has been sent to mr. Prashant, sbi card, 10th floor dlf cyber city,
Dlf infinity tower – “c”, dlf phase – 2, gurgaon – 122 002]
03.07.2007 fee payment not received by due date 497.19
09.07.2007 govt. Service tax on loan amount 72.98
09.07.2007 interest charges purchases 40.78
09.07.2007 encash emi tran pln48 1275.00
02.09.2007 fee payment not received by due date 429.78
09.09.2007 govt. Service tax on loan amt. 70.72
09.09.2007 encash emi tran pln 48 1275.00
10.09.2007 fin. Charges on unpaid flexipay amt. 39.40
24.09.2007 balance debit adjustment 855.00
09.10.2007 govt. Service tax on loan amount 69.56
09.10.2007 encash emit ran pln 48 1275.00
02.11.2007 fee – payment not recd. 429.78
09.11.2007 govt. Service tax on loan amt. 68.39
09.11.2007 encash emi tran 1275.00
10.11.2007 fin. Charges on un paid flexipay amt. 39.40
03.12.2007 fee payment not received. By due date 674.16
09.12.2007 govt. Service tax on loan amount 67.20
09.12.2007 encash emi tran pln48 1275.00
10.12.2007 fin. Charges on un paid flexipay amt. 78.79
02.01.2008 fee payment not received. By due date 674.16
09.01.2008 govt. Service tax on loan amount 65.99
09.01.2008 encash emi tran pln48 1275.00

Please also stop to further debit any amount to my card statement..
Kindly take the immediate actions and reverse all the transactions immediately, otherwise i will have to take the necessary actions for the same. Please arrange to take actions immediately to reverse the entire outstanding, to avoid the legal consequences.
Thanking you,
Yours faithfully

[ramesh patel]
Copy to : 1. The chairman – sbi card – for immediate action
2. The managing director – sbi card – for immediate actions.
3. Copy to mr. Rajiv krishnan – g. M. Sbi credit card.

Hi,

I am using SBICARD Visa Gold Card from the last two years but I want to get PLATINUM CARD. Could you process on that.

Mobile:[protected]

Regards,
Venkat Rama Raju.K

Dear SBI Card Team,

Let me congratulate to all team members and the head of SBI cards for having a very competitive and efficient team. This is with regards to mail below which was send to me by head of the cards division as a system generated response but to my utter surprise (mail below is dated 27 March 2009 23:31) your head of cards division has not found enough time to get back to the customer till date.

kindly refer the encah Rs.13000/ loan reg contact me in mobile no [protected]

I am from Bangalore and on 5th June, 2010 I have received a call from SBI Credit Card Division Call Centre asking for somebody else. I told that person you have called a wrong number, please check the number at your end and disconnected the phone. Again the same fellow has called from landline which is from Chennai and threatened me using absuive and filthy language saying that he will send his persons and break my legs and hands. I am not at all a customer of SBI Card and I am not at all concerned person whom he wants to contact, but still I have been threatened by these call centre executive. This is the way the SBI Card Division is working. These blady fellows are behaving very cheaply than the roadside goondas. Shame on the SBI for keeping such a blady as their staff and loosing their respect among the people who are trusting the brand SBI.

Now I have decided to lodge a Police Complaint as well as a defamation case in the Consumer Forum and also I am loding a complaint with Banking Ombudsman agianst SBI Credit Card Division.

I was approached by telephone a few years back by S B I credit card and offered free of cost the card in my name and 1 add-on card. The following year They charged and reversed, subsequently again charged which I never paid and actual amont which I spent, I paid and cut the cards to send them, I did that.

Now the ghost bill followed to chase me and They reversed it after sucking a lot of my blood over telephone. This year they offered me free of cost, which they charged, promised to reverse, not reversing, no response either. Blood sucking process has started, I will post again after their cheating/dacoity/ robbery stops. I had written SBI credit card is a national shame.

P K Srivastava