[Resolved]  State Bank of India — ROYAL SUNDARAM ALLIANCE INSURANCE

Same thing happened with me. Only change is I have agreed on renewal of the policy. The policy was renewed but that time noone said not the insurance company, no SBI card center that you will be charged some administrative fee. And I was charged Rs. 700/- as administrative. But in all I would like to say SBI has very pooooooor quality. And charges unnecessarily to the customers. If anyone planning for SBI CC don't go.

SBI Cards — Royal Sundaram Insurance policy and Billing cycle

Royal Sundaram Insurance was debited on Auto Renewal Basis in spite of me not being their customer and I have followed up with Head Cards and they have taken several months to refund part and not refunding full. I have followedup with RBI Chennai too on this as GE SBI Cards has renwed automatically without notification, I had change of address which was notifyed to them, but they now say they have informed earlier address as have not objected they renwed. Now I brought to their notice that I was never in first Instance a Royal sundaram insurance member in 2007 or have paid they say they can autorenew if i have not informed them. how would I know that they would debit or Royal Sundaram cheat like this.

Also they have been giving payment date as 28th which I have been objecting for above an year as is quite difficult to pay month end, all other cards have provision to change billing Cycle and accommodated. GE SBI levies heavy penal charges and never accedes to any customer requests or replies to mail Their online server alwyas has problems and makes barge o[censored]nwarranted calls.
People should be educated of SBI cards unprofessional, Unethical ways and brought to book by RBI or other regulators and Consumer forum.
Rgs
Phani Mohan

Hi,
I am one of the cheated customer who had trusted royal sundaram insurance plans and had availed one. This is a complaint regard to cashless health card, which i had taken for my mother a few months back. She was ill now and the doctor advised her to get admitted for some days(after we were informed that the heath card we have is valid), after she had recovered, we produced our health card with all the documents and one of the guy from royal sundaram had visited the hospital to collect the docs and submit to their headoffice. This was 2 days before the dischrage. Since we have to pay the bill, the billing department complained us that your insurance is not benn approved yet. We have been calling the claim office on the no: [protected](Mrinal Das) and [protected], as these nos were given behind the health card, now theses people arent responding to our issues and we are seriously running of solutions to discharge my mother from the hospital. Please advice what should we do?is this not cheating, these people are fraud and dont give proper srvice to the customer, and we are all cheated...

GE-SBI CARDS — DEBIT OF INSURANCE WITHOUT CONSENT

GE-SBI DEDUCED TO PAY ROYAL SUNDARAM INSURANCE Policy Number : CS[protected] WITHOUT CONSENT AND WHEN I OBJECTED FOR SEVERAL MONTHS BY MAIL, CALLS THEY REFUNDED PART AND INFACT WAITED FOR SEVEN -EIGHT MONTHS FOR THEM TO REVERSE COMPLETLY AND AS THEY HAVE NOT BEEN DOING SO MADE COMPLAINT TO RBI AND THEY WERE SENT NOTICE FOR WHICH THERE IS NO ACTION AND I STOPPED PAYMENTS FOR LAST 3 MONTHS.
ALSO THEY GIVE BILL PAYMENT DATE AS 28TH AND ARE NOT WILLING TO CHANGE THAT DATE TO FIRST WEEK OF EACH MONH AND LEVY HEAVY CHARGES OF LATE PAYMENT, OVERDUE APART TO INTEREST. CARDS ARE VERY MANIPULATIVE AND ARE FLEECING HARD EARNED MONEY AND THERE IS NO WAY TO GET OUT ONCE YOU ARE IN DEBT.

I was planning to take a SBI Credit card but after reading your complaint, I will not apply for the same. I was thinking that SBI is a very systematic bank and will not force any type of amount to the customers.

I was wrong

I am also the victim of Royal insurance and SBI tie up, even though cancelling in free look period, I was penalised every month . I have made regular complaint but no reply . Please do not apply for SBI card

I am Nihar Ranjan Samal, recently a victim of the same SBI Credit Card and Royal Sundaram Tie problem. After knowing that they have paid for the Royal Sundaram Health Insurance premium I cancelled the royal sundaram policy(CS[protected]) as soon as possible by argument with Royal Sundaram . Still they charged the 25% of the EMI (Rs764). Which I denied and also asked SBI CC to close my Credit Card Account. Account is closed but they sent a bill with outstanding amount Rs.764. i again denied and clarified that the policy with Royal Sundaram is cancelled. As they have paid for the policy without my authorization, so I am not going to pay it from my pocket. They should sort it out among themselves.Then after 11th Feb 2008 there was no further communication I received from them. then I was under the impression that the matter is closed.Then suddenly at mid-night on 25th may 2011(in New York) I received a call from my father-in-law(an old man, a heart patient) that there is a vigilance case in my name.I have to contact immediately at this no[protected] to Mr. A. K. Sinha, Director of Vigilance, New delhi. I called back on that number, from the other side the person posed as mr.A.K. Sinha told me that there is a vigilance case in my name. Initially I could not understand. Then he said it regarding the your outstanding bill to be paid with SBI CC. I siad him that I have colsed this matter in 2008.He told me you should have done it face to face visiting the SBI CC office. But now you have to pay the outstanding amount Rs.30740 by 12 PM IST otherwise your visa will be cancelled. I was paniced as I am a student now and my career will be spoiled. I immediately called one of my friend in India and requested him to borrow me the said amount and deposit the amount at the nearest SBI Credit Card office (Durgapur, West Bengal) in my credit card account no.([protected]). He id that. Then I called on the cell no.[protected].
One lady received the call saying Mr.A.K. Sinha is in a meeting and you will receive your NO OBJECTION CERTIFICATE with in one hour in your e-mail id.I did not receive it within 1 hour. again called on that no. The person posed as A.K. Sinha received the call saying I will get the NOC after2 days. After 2 days when I called on that same no, it is switched off. If rings nobody answers.Since that day i have sent several mails to SBI CC regarding the statement(to see how it became Rs30740)and the NOC. After almost 2 weeks got a clever reply from SBI CC that I have no outstanding bill pending with them. I am not satisfied with this answer. I want my hard earned money to be refunded. Also want to teach them a lesson for posing as A.K. Sinha, Vigilance Director and harassing me, my family at mid-night. Also harassing my father-in-law (a hreat patient) in name of vigilance case. Anybody please suggest and help me in this regard.I am a student now. Rs30740 against Rs764 is really shocking. I can not concentrate on my work since 25th May 2011. Can all o[censored]s with similar problem come up together to bring this SBI Creit Card and Royal Sundaram Alliance Insurance to justice for cheating and harrassing innocent customers.

Dear Sir,

I am Nihar Ranjan Samal, SBI CC No.[protected].
Today I saw around 52 e-statements starting from 2nd April 2008 to 2nd June 2011 from SBI Credit Card in my mail inbox . It seems they have at a sudden put in to action after a long time.
These many e-statements do not serve my purpose. Were they sleeping till date?
Who will pay for my mental harassment starting from 25th May 2011 mid-night till date? It has affected my research work.They tried to tranish my image.
I had never asked anybody from SBI credit card or Royal Sundaram Alliance Insurance for the Health Insurance Policy. Why they did that without my authorization . After learning about this fraudulent payment made by SBI Credit Card I immediately asked Royal Sundaram to cancel my health insurance policy and also asked SBI Credit card to cancel my Customership by sending them a mail on 14th August 2007.Royal Sundaram Insurance(PolicyNo.CS[protected]) is cancelled within the minimum time period so they charged 25% (Rs.764) of the premium.Which SBI Credit Card sent me in the next statement after cancelling/blocking my credit card([protected]).But clarified to them that I will not pay this Rs.764 as I had never asked for such a health insurance premium.Requested SBI Credit Card to look into the matter. They did not do anything fo this. For any insurance policy there use to be a form filled up and duly signed by the customer. In this case where it is?
SBI Credit Card has added interests and late payment fee and again interest on that till date and now sending a statement of Rs.30736.81. For which they posed as A.K. Sinha, Director of Vigilance, New Delhi using cell phone no.[protected] and threatened me at mid-night(in New York) to immediately deposit the an amount of Rs.30740 at the nearest SBI CC office in my SBI CC account to avoid my immediate VISA cancellation and severe vigilance charge against me. They issued a receipt ((no.15959082, agency Code-IBC 1858, Bucket-Recovery) dated[protected]. The last mail communication was on 20th feb 2008 in which they had attached a statement dated[protected]. After that they sent statement on 18th July 2011.

The same mail id was registered with them and my credit card account was blocked.

Now I have to return the money Rs.30740 to the persom from whom I borrowed that immediately to deposit the amount at SBI Credit Card office at Durgapur, West Bangal branch.I am a student now.
Please help.How I will get that money back and repay the amonut to the person from whom I have borrowed it. I have been harassed to the extreme extent.

Please have a look at the mail communications and the last statement sent by SBI Credit Card. Also have a look the mail regarding cancellation of Policy from Royal Sundaram Alliance Insurance.

[protected][protected][protected]->

20 February 2008



Dear Mr. Samal,



Thank you for writing to SBI Cards.



This is with reference to your communication dated February 14 2008 regarding your SBI card account.



Insurance Related: We wish to inform you that we have already credited Rs.764.00 towards the Royal Sundaram Insurance on your card account on January 19, 2007 and credit for the same is reflecting on your statement of account dated February 02, 2007. Please note that we have enclosed the same for your necessary perusal.

In case of any further queries on the SBI Card, we would request you to reply at feedback.[protected]@ge.com using the same subject line or call our 24 hours, 7 days a week, at our local Helpline number 39020202 or[protected]for BSNL and MTNL users).


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,



Manager - Customer Service

***********
SBI CARD MONTHLY STATEMENT(Duplicate Statement)

Full Name
Card Number
Statement Date

DR N R SAMAL
[protected]
02/02/2007

Credit Limit (Rs.)
(including cash)
31000
Available Credit (Rs.)(including cash) 29733.28
Cash Limit (Rs.)(as a part of credit limit) 12400
Available Cash
(Rs.) 12400.00

Payment Due Date

22/02/2007

* Minimum Amount Due (Rs.)

295.01

Total Amount Due (Rs.)

411.59


Date
Description
Amount (Rs.)





02/02/2007
FINANCE CHARGES ( 00001 )
30.41 D

02/02/2007
INSURANCE ADMINISTRATION CHARGE
22.45 D

02/02/2007
PROTECT PLUS INSURANCE CREDIT SHIELD PR
1.36 D

02/02/2007
PROTECT PLUS INSURANCE PA PREMIUM-6 LACS
26.94 D

02/02/2007
FLEXIPAY AMOUNT : IIN12
95.01 M


Transaction forDR N R/SAMAL, Card No. [protected]


19/01/2007
ROYAL SUN ALL INS CO L CHENNAI IN
764.00 C

22/01/2007
PAYMENT RECEIVED CHEQUE NO 945027
957.25 C


» Against the Amount, C = Credit; D = Debit » Contents of this will be considered correct if no error is reported within 20 days.
* In order to keep your credit card in good standing, you have the option of paying at least the Minimum Amount Due or anyamount between the Minimum Amount Due and Total Amount Due, on or before the due date.
Account Summary
Opening Balance (Rs.)
2906.81

+ Purchase & other Debits (Rs.)
81.16

- Payments & other Credits (Rs.)
1721.25

= TOTAL OUTSTANDING (Rs.)
1266.72




Triple Advantage Rewards Summary
Opening Balance (Rs.)
39

Points Earned
-15

Points Redeemed
0

Closing Balance
24

***************************************

RE:'CaseID=[protected]'Regarding wrong stement letter-from Dr. N.R. SamalThursday, 16 August, 2007 1:33 PMFrom: "feedback.gesbi" <feedback.[protected]@ge.com>View contact detailsTo: "nihar samal" <[protected]@yahoo.co.in>16 August, 2007







16 August, 2007



Dear Mr.Samal,

Thank you for writing to SBI Cards.

This is with reference to your communication dated August 14 2007 regarding your SBI card account.

Insurance Related: Please note that the Royal Sundaram insurance has already been cancelled and the credit of Rs.764.00 is reflecting in your statement dated February 02, 2007.

Flexi pay: We have taken note of your request, and would like to assure you that the same is under consideration. We would be intimating you shortly on the status of the same.

SBI Card Account Closure: Your decision to close your card account with us is a matter of deep concern to us. Also, note that your SBI card account remains active as on date. May we take this opportunity to request you to reconsider your decision and would request you to continue to use the host of exclusive benefits on your card account.
We look forward for happy moments of you card usage and your continued relationship.

In case of any further queries on the SBI Card, we would request you to reply at feedback.[protected]@ge.com without altering the subject line or call our 24 hours, 7 days a week, at our local Helpline number 39020202 or[protected]for BSNL and MTNL users).

Yours sincerely,


Manager - Customer Service


********************************
ear Dr. Samal,

Thank you for your email dated February 10, 2008 addressed to SBI Cards &
Payments Services Pvt. Ltd.

We request you to kindly contact the bank regarding the credit card
statement.

We wish to inform you that the Hospital Cash policy numbered CS[protected]
has been cancelled on short period rates as per policy terms and conditions
and the refund amount of Rs. 764/- (25% of the paid premium having been
retained and the balance 75% refunded ) has been sent to the bank on
January 16, 2007 for necessary reversal into your card account. We
request you to kindly check with the bank on the status of the refund to
your card account.

Assuring you of our best service always.

Yours sincerely,
Irudaya Mary
Customer Services
Royal Sundaram Alliance Insurance Co. Ltd.

Other products we offer are Health, Accident, Home, Travel and Car Shield

**********

I am Neeraj nagpal, a victim of the same SBI Credit Card and Royal Sundaram Tie problem.
I got a call twice from SBI for giving me this royal sundram accidental plan and both time i simply said NO, I don't want any plan. But still after 4-5 day i got a message from SBI tht "transaction of Rs. 481.00 made on SBI credit card at Royal sundaram allianc on 6 aprl 2016." WHY. if said NO I don't want it.
Now who'll be responsible for this matter SBI Credit card department or this Royal sundaram.

I'm kamlesh sakhare,
Sbi is doing very wrong job they deducted money from my sbi card account without notifying me and without my confirmation even i told him i Don't want any policy when they called me he told me that written policy latter will send to your address and if you don like policy or T&C tou can cancel it then i said ok even after few days they deducted 496₹. Why, they doing this with us. In 499 i could buy Amazon prime.
Totally unsatisfied with its service 😕😕😕

A recent victim of this. SBI is making fool and now they are not reverting money. I have called up customer care multiple times but it seems they know how to deal well and not to refund money. I am tried and don't know what to do. Experience with SBI card is pathetic and you can't get worse than this with any other card.