[Resolved]  State Bank of India Credit Card — Fraud or deliberate Cheating

As against their bill of Nov, i had issued cheque with the necessary details, but, this months statement is showing cheque not been honoured and i was charged for unbankable invalid fee and payment not recieved by due date. On enquiring with the issuing bank, they confirmed that cheque had not come to them for clearance and they have not dishonoured the cheque. On enquiring with the executive of the card company they said, their is some overwriting and they have cancelled the cheque themselve without sending it to the issuing bank, and i was not informed regarding the cancellation. On talking to another executive she said cheque has been dishonoured by your bank and we do not have any right to cancell the cheque, so their is some kind of conspiracy going on to extort money from the cosumer, though my amount is not much but still this kind of cheating to extract money must be going on with many cosumer unaware about the intention of the credit card company. I demanded to put me through their supervisor but they did not, and disconnected the line and on again speaking to another executive, she said they will adjust the bill, but cld not give me any convincing answer regarding the cancellation of the cheque on their own. I feel this must be going on for many years.
Kindly look into this matter urgently and expose their doing.
Regards
S P Rao