[Resolved]  State Bank of India — WORST / UNPROFESSIONAL SERVICE

I have appended a email complaint sent to SBI Cards which explicitly shows the irresponsiveness and worse customer service provided by State Bank of India. We need to take action immediatly through consumer redressal forum / consumer court.

email follows..

Hello Sir / Madam

Referring to my SBI credit card, I want to escalate an serious issue for your immediate attention.

I am the prompt payer right from the first day of signing the SBI card and but totally dissatisfied with SBI card due to recent worse experiences with SBI.

Dues
Nov '07 - 14098
Dec '07 - 4100

I have made the over payment of 16000 for Nov and made the payment of 2200 on 1st Dec towards my Dec dues.

As my above overpayment for Nov should be adjusted with Dec statement, I have made the only difference amount of 2200 for Dec which would obviously close the dues for Dec statement.

Later late charges has been levied and I came to know that I should pay the EMI for the loan every month and over payment will not be adjusted with EMI. This was really a eye opener for me only at the time of enquiring and I was not appropriately educated regarding this. I raised up the complaint with the customer care and they agreed and reversed the late fee levied by seeing my credit worthiness and track record. I really appreciated that.

Hence, there was no due for Dec '07 statement as my complaint was registered as non issue on me. (Ref: Complaint no: MQ[protected]

But for the last two days, am getting calls from Chennai collections team torchering me for the Dec '07 payment???? I wish to highlight that they doesn't know how to speak with customers and demanding for payment in unprofessional, unethical local language that leads to reputational loss for SBI Bank and Card. This is very seriously hurting customers, that too, genuine customers. Am I a defaulter? can you show me any proof for that? Shall I take this up with Reserve bank of India or appelate authority to the highest level possible? Can you please answer why i am getting torchering calls demanding the payment though you have the credit balance of Rs.. 100 per the december statement? Don't you know the RBI rules of dealing with genuine customers????

I know the level of respect you provide to defaulters. I have seen few letters of SBI sent to defaulters of my previous tenant waiving all 20000 rupees of late charges accumulated for more than a year and asking only for the exact spending of Rs. 3000 made by the defaulter??

But as a prompt payer, you are torchering and killing ME? IS THIS FAIR???????

I have made lot of complaints to customer care stating this above chaser calls on 3rd, 4th and 5th Jan and as of now there was no solution.

Ref: Complaint No:[protected]

I am totatally disturbed, hurted, annoyed due to the services of SBI and I demand a compensation for that.

I want an immediate explanation and compensation failing which I may take this issue to highest level possible with consumer protection council or equivalent Ombudsman / redressal forums authorised by RBI.

I want to close all payments and terminate the SBI card services.. pls assist me in this regard.

regards,

Subramanian R