[Resolved]  State Bank of India — Transaction Dispute

SBI Credit Card — misbehaving with customers

good morning
well we havent reissued our card and also payed our previous dues before 1. 1.2007. but today on 7.2.2008 they are calling us and asking us to pay our due which is of rs 3000. so without using the card for more then 1 year why we will pay the money when we asked the employee who called us. he started scolding us and said that he is going to send us a legal notice.

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 Gud Morning


Iam SBI Credit card Holder i utilised 14700/- for this iam making payment for every month almost 2yrs But the statemnt shows 33000/- Finally I not made payment for two months becoz iam not getting my statement even after several reminders to the collection executive, Finally collection guys are creating problems @ sister's place, They are using bad words towards me. Kindly help me in this.

SBI Credit Card — SBI is not ready to resolve the long pending double transaction dispute .

I had paid my Idea bill through SBI credit card in sep-07, Due to problem with internet i paid twice.
I had sent the written complaint (Double Transection Dispute)to SBI after 2-3 days, When I talked after 10 days they told issue resolved and amount will be credit in to your account in next month bill.
Till date i didn't receive amount, I talked so may time to customer care regarding the same but every time they told we have forwarded your request to concern department.

I need that amount plus expenses of call which i made in folloup with the same.

i have sent this mail to sbi credit card feedback but in vain, nobody replies, please reveiw and revert and inform i[censored] can helpreminder 6
...still no response from your side ...

Note: Forwarded message attached

-- Original Message --

From: "sanam kumar" <[protected]@rediffmail.com>
To: "feedback . gesbi" <feedback.[protected]@ge.com>
Subject: Fwd: Fwd: Fwd: Fwd: Fwd: SERIOUS MISBEHAVE BY A CUSTOMER CARE EXECUTIVE






REMINDER 5 NO RESPONSE ...KINDLY TREAT ALL THIS COMMUNICATIONS AS FULLY OFFICIAL
Note: Forwarded message attached

-- Original Message --

From: "sanam kumar" <[protected]@rediffmail.com>
To: "feedback . gesbi" <feedback.[protected]@ge.com>
Subject: Fwd: Fwd: Fwd: Fwd: SERIOUS MISBEHAVE BY A CUSTOMER CARE EXECUTIVE






reminder 4 no response ...


Note: Forwarded message attached

-- Original Message --

From: "sanam kumar" <[protected]@rediffmail.com>
To: "feedback . gesbi" <feedback.[protected]@ge.com>
Subject: Fwd: Fwd: Fwd: SERIOUS MISBEHAVE BY A CUSTOMER CARE EXECUTIVE







reminder 3 no response
the name of the cce as per him was manoj kumar pandey...

Note: Forwarded message attached

-- Original Message --

From: "sanam kumar" <[protected]@rediffmail.com>
To: "feedback . gesbi" <feedback.[protected]@ge.com>
Subject: Fwd: Fwd: SERIOUS MISBEHAVE BY A CUSTOMER CARE EXECUTIVE







reminder 2

Note: Forwarded message attached

-- Original Message --

From: "sanam kumar" <[protected]@rediffmail.com>
To: "feedback . gesbi" <feedback.[protected]@ge.com>
Subject: Fwd: SERIOUS MISBEHAVE BY A CUSTOMER CARE EXECUTIVE






i am a hypertension patient and my condition is deteriorating because of this behave kindly provide we with a reply on urgent basis immdtly
...

Note: Forwarded message attached

-- Original Message --

From: "sanam kumar" <[protected]@rediffmail.com>
To: "feedback . gesbi" <feedback.[protected]@ge.com>
Subject: SERIOUS MISBEHAVE BY A CUSTOMER CARE EXECUTIVE






To
Whom it may concern
SBI credit card

SUB : Grave misbehave by a Tele-call executive with credit card no [protected] in the name of sanam kumar
Respected Gentleman /Lady
I have been a user of SBI credit card since last six months, am well educated and have good repute in society, would just like to bring the following facts to your notice
On Saturday9th august 2008 I recd a call from tel no [protected] at 8.50 in the morning quoting the person to be from sbi credit card, the person reminded me of the payment I have to make and I specifically told him that a cheque has been dropped in the drop box at sbi vasant vihar, Dehradun, almost three days back he then asked me to find out from my bank whether the same has been debited or not, it was told to him that in the past also there have been instances of cheque being dropped in the box and not collected and there is no need for me to tell a lie (if required I can prove), on this the person was VERY DISCOURTEOUS,
WAS READY TO FIGHT,
RUDE
And
MISBEHAVED WITH ME quoting “ that do not think whatever you say we will believe” and starting misbehaving further, it is fine that there is a credit card in use by me and also the payment may have got late but does not allow any body to call me and misbehave with me that to without any rhyme or reason, sorry, this is strongly resisted by me, in a civilized society how can you expect such a behavior by anybody, SBI credit card was taken by me only because always heard of the unethical practice of private banks however this be the attitude then kindly send me the entire statement would like to settle all outstanding and then take appropriate action on my behalf. AS PER MY UNDERSTANDING THERE IS A RECORDING DONE OF ALL CUSTOMER CALLS, KINDLY LISTEN TO THE SAME, and assess whether the conversation was in the limits of reasonability, as a financial institution people there should at least consider the worth of the person interacting with and behave accordingly, shall not in any case stay silent, my further course of action shall depend on your reply ……….
Apart from being unprofessional would also like to invite your attention to the guidelines of RBI in this regard


RBI Guidelines
Banks are advised not to use the muscle power or any uncivilised manner to the defaulters for colleting the debt. Banks or recovery agents can also neither use unidentified telephones (The banks have to provide the phone numbers to the customer at the time of borrowing that would use for reminding the debt.) nor can go to the borrower’s house in the odd hours for asking the debt
DBOD. Leg. No.BC. 104 /09.07.007/2002-03
(v) General
a. Lenders should restrain from interference in the affairs of the borrowers except for what is provided in the terms and conditions of the loan sanction documents (unless new information, not earlier disclosed by the borrower, has come to the notice of the lender).
b. Lenders must not discriminate on grounds of sex, caste and religion in the matter of lending. However, this does not preclude lenders from participating in credit-linked schemes framed for weaker sections of the society.
c. In the matter of recovery of loans, the lenders should not resort to undue harassment viz. persistently bothering the borrowers at odd hours, use of muscle power for recovery of loans, etc.

The lenders should not resort to undue harassment viz. persistently bothering the borrowers at odd hours, use of muscle power for recovery of loans, etc. (b) The banks should ensure that agents engaged by them for debt collection refrain from action/s that could damage the integrity and reputation of the bank (c) Their agents should not resort to intimidation or harassment of any kind, either verbal or physical, against any person in their debt collection efforts, including acts intended to humiliate publicly or intrude into the privacy of the borrowers'/ credit card holders' family members, referees and friends, making threatening and anonymous calls or making false and misleading representation


6.3Fair Practices in debt collection
RBI/[protected]/32
DBOD.FSD.BC.17 / 24.01.011/ 2007-08
c) Banks /NBFCs / their agents should not resort to intimidation or harassment of any kind, either verbal or physical, against any person in their debt collection efforts, including acts intended to humiliate publicly or intrude the privacy of the credit card holders’ family members, referees and friends, making threatening and anonymous calls or making false and misleading representations.
IN THA PAST THERE WAS A CHEQUE PICKED UP FROM MY PLACE AND FOR DAYS TOGETHER THE SAME WAS NOT BANKED AND WAS ONLY BANKED AFETR MY REPEATED REMINDERS AND YET THE CUSTOMER CARE EXECUTIVES ARE SO ARROGANT, WHY?????????????????


S kumar

SBI Credit Card — Fraud: -Wrong Information conveyed,Misbehave & Misuse of Power

Dear Sir,

Sbi Credit Card company has done a very wrong thing with me.

I found in my monthly statements contnously some misarrangements. Which was too much hurting on every month. I got too much angry on them when a mobile payment was entered twice in place of single mobile and also converted to EMI without even taking permission from me. Than i requested SBI to close my card in month of around october 2007. than they asked me to pay 11000/- which was the balance due for me and they confirmed me over mail that they have already closed my account just pay Rs 11000/-. which i did and then i requested SBI to close my account. But still they have not closed my account and sent continous monthly statements at my home and i got angry when they have sent new activated cards on a wrong address without any intimation which can be misused if got in wrong hand. Than i used that card and than after 2-3 months i asked them to close my card and i was ready to pay there whole amount. Than they have sent there executive and he encouraged me to do settlement which he proposed 17000/- to me which i paid him in one short and he did settlement with me. but still this account was not closed they are still sending monthly statements and very bad thing is that they have given my name to CIBIL due to which i am not applicale for claiming any loan from any bank which was just a misuse of there power. Now I requested SBI to cancel my settle ment against which i was ready to pay there whole payment but they are not ready and this is not a good thing for any credit card company that they take very wrong actions without even informing to customer.

Please let me know what should i do.

Thanks and Regards

Deepak Gupta

SBI Credit Card — Misbehave

Sir,

This is to inform you that I have settled all my bills as per settlement letter issued by SBI Credit Card.
But, still I am getting regular phone calls. Not only this but on 4th June I met an accident and when I was getting stitch on my hand I got a phone call from SBI office. I requested them to pl. call later and cut the call but again there was a call started abusing and slang languages saying that phone kahe nahi utha rahe ho sale????? and many more slang languages.

Sir, Pl. Look into the matter so that I can get rid of these harrassing calls... otherwise I would like to die rather than attending such calls..

Thanking you,

Regards,

it is true and SBI is one of the pathetically mismanaged certainly not by intention but by inefficiency in controlling things. SBIcard web site has only post bag number not the address where a record can be kept for our registered post. Call centers most of time say reach your nearest bank, in case answered.

From one more harassed customer.

SBI Credit Card — misbehaving, lying .

Dear sir,
I had a SBI credit card and due some problem i hadn't make some payment. But aftewards i call at customer care for settlement, later on there executive came to office and said my settlement amt. Rs. 25000/- payment mode in 10 equal installments and also took signature in letter which they brought. But after many payment there another excutive told me that no settlement has been done against my credit card there bank still charging interest on it and amt com to near Rs. 90000/-.
Now they are abusing me and my family by sending person using bad language after every 3-4 days.
please lookafter the matter.

credit card / S B I — misbehaving

sir, i activated my on17 of september from amritsar Bhagtanwala branch but till today i did'nt get my credit card when i made call to SBI employee he replied me "MAIN JYADA BAKWAS NAHI SUNTA " AND he cut the call so please sir, take stong essential step against him or tell him some manners how to intract with ur customer