Reserve Bank Of India [RBI] — state bank of india credit card

Address: ahmedabad, Ahmedabad, Gujarat, 38007

From: mihir babulal shah
11, trupti society, nr. Bodyline hospital,
Vikash gruh road, paldi, ahmedabad.380007
M:[protected] e. Mail: [protected]@yahoo.co.in
_

To,
(1) sbi cards and payment services limited
Unit 401 & 402, 04th floor, aggarwal millennium tower,
E-1, 2, 3 netaji subhash place,
Wazirpur, new delhi 110034
Cin:u65999dl1998ptc093849
Tel:[protected],
Fax:[protected]

(2) the sbi credit card department officer,
State bank of india,
Ahmedabad.

Dear sir,

Sub: credit card cheating by stete bank of india credit card department.

I have my current and saving account in state bank of india ayojannagar branch, ahmedabad-7 since last 25 years.

Sir i have very bad experiance from state bank of india credit card department as sbi officer miss lead to take credit card without approching by us by offering free card and so many benifit. First i denied credit card when call from sbi credit card deparment come and demanding charge of approx 500.00 as credit card fee. But credit card official again approch me in bank and offering wave off of credit card fee after some months. So i observe that
01. Sbi credit card department target bank customer by offering offers and scheme of free card and sign the document and take id proof
02. After that credit card department call for confirmation and ask the question for their favour and record for future cheating.
03. In phone call they are not clerify all rule and regulation

Now in my case without any use of credit card they are charging approx 5 to 6 thousand rs in way of panelty and interest. They are also debiting some amount directly from my bank account.

When i personally contact in my bank for such cheating, my bank official told that credit card department is seperate management from bank management and i have to complain directly to toll free number and e-mail.
Sir i can not understand why bank management allow sbi credit card department to target bank customer in bank premises.
When i complain to toll free number telephone operater denied to take complain for such reason as they have allowd to take some selected list of complain

Whey i personally vist to credit card department in ahmedabad they take my complain but they are not able to answer

01. Why they are charge so much amount without any use of credit card
02. If they can deduct amount from my bank account regularly why they did not deduct first 499+ gst rs from my bank account even if they are inform us to deduct chage from my account
03. If they deduct one time charge of rs. 500.00 form my bank accont then no interst and panelty for late fee arise.
04. By this cheating my cibil score affect and which affect in my loan interest rate
05. Evenif today when i apply for the new card sbi credit card official in bank doing same thing - sir charge will be wave off - counting so many benefit – first charge 499+gst will be deducted from your account so and so.

Sir this is a cheating to sbi customers who don’t want take credit card but in bank premises they cautch customers and doing this type fraud.

Sir i again request you to wave off all the charges and panelty and give no due certificate. Also request you to refund deducted amount directly from my account.

Thanking you,
Mihir shah
M:[protected]