State Bank Of India [SBI] — unhelpful & overcharge

Address: Mumbai City, Maharashtra, 400099

Website: SBI CREDIT CARD

I have taken sbi cc and the interest has been charged on such a high rate that from last i am paying more than the minimum due and still it doesn’t seems to be getting over, i requested for help upfrontly and none of the team member is ready to help.

Below is the entire trail email conversation.

— forwarded message —
From:
Date: sat, 14 apr 2018 at 12:36 pm
Subject: re: [interaction id:1-[protected]] ext: emi
To:

14/4/2018

Dear sir/madam,

Thank you for writing to sbi card.

This is with reference to your communication dated 13/04/2018.

Charges related: we regret to express our inability in reversing the amount debited towards finance charges and late payment fee on your sbi card account.in case if the payment is not received on the due date, then the mentioned charges will be applicable.

Finance charges: we would like to inform you that in case the payments are missed or outstanding on the card is received less than the total amount due/ total outstanding amount, then interest charges are applied on the balance amount, thus the payment starts revolving on the account, this is also applicable on all the fresh charges incurred, in the same month by the cardholder.

The finance charge will be levied at 3.35% per month plus government service tax @ as per applicable charges.

Please note that the finance charges will be calculated on opening balance as well as fresh purchases. This process continues till the complete outstanding on your card account is paid in full.

In case of cash transactions there is no interest free period available at all.

The finance charges are levied at 3.35% per month plus government service tax (As per applicable charges) from the day of cash withdrawal, on a daily basis. The finance charges are levied till the cash transaction amount is paid back in full. (Hence, the outstanding on cash is liable to accrue finance charge for period between the statement date and the date on which full payment is received).

Further, we kindly request you to visit our website www.sbicard.com for detailed example on calculation of finance charges under most important terms and conditions.

Late payment charges: we would like to inform you that in case the payment of at least minimum amount due is not received by the payment due date, the late payment fee is applied subject to a minimum of rs.100.00 and a maximum of rs.750.00 plus government service tax (As per applicable charges).

Please note, the late payment fee will be applicable as per the below-mentioned slab, plus government service tax (As per applicable charges).

Nil for total amount due up to rs.200;
Rs.100 for total amount due from rs. 201 - rs. 500;
Rs.200 for total amount due from rs. 501 - rs. 1, 000;
Rs.500 for total amount due from rs. 1, 001 – rs.10, 000;
Rs.750 for total amount due above rs. 10, 001

Incase of any query, would request you to click here or contact the sbi card helpline at[protected]Prefix local std code) or[protected]. Ivr & emergency services on helpline are available 24 hours and customer service representatives are available from monday to saturday between 8am to 8pm or you can get easy access to exclusive services & account information with just a click. Visit our website sbicard.com or download the sbi card mobile app to access self-servicing options on the go!

If you are not satisfied with the response, you can write to nodal officer, customer service by clicking here or use the escalate button on the webpage. You will receive a response within 5 days.

Yours sincerely,
Akshay nikam
Customer service– sbi card

[thread id:1-9b1mas5]

— original message —
From: [protected]@travelats.com
Sent: 13/4/2018 04:00:36 pm
To:
Cc: "customer. [protected]@sbigeneral.in"
Subject: re: [interaction id:1-[protected]] ext: emi

So does that mean that i should discontinue paying the dues towards my card!
Kindly advise, since the entire team is not ready to help me out and eventually u want me to pay off the dues without considering my current situation, also to remind you i had never asked for the credit card your team had approached me and called me time and again to make purchases and sbi is following the old stereotypes rituals of charging a huge amount of interest which i am paying for years and doesn’t seems to be ending.
Hoping to see a positive revert at the earliest.
Thanks,
Farzan

On fri, 13 apr 2018 at 2:09 pm, wrote:
13/04/2018
Dear mr. Farzan shaikh
Thank you for writing to sbi card.
This is with reference to your communication dated 12/04/2018
Restructuring related:we wish to inform you that we have taken note of your request regarding converting outstsanding into emi however we are unable to proceed with your request.

We express our inability to take action on the matter, we regret the inconvenience caused to you.

We truly value you as our privileged customer and regret the inconvenience cause to you in the matter address to us. Please accept our sincere apologies for any inconvenience caused to you and for your displeasure whilst you felt our service levels did not meet your expectations. We solicit your continued patronage to our services.

Incase of any query, would request you to click here or contact the sbi card helpline at[protected]Prefix local std code) or[protected]. Ivr & emergency services on helpline are available 24 hours and customer service representatives are available from monday to saturday between 8am to 8pm or you can get easy access to exclusive services & account information with just a click. Visit our website sbicard.com or download the sbi card mobile app to access self-servicing options on the go!

If you are not satisfied with the response, you can write to nodal officer, customer service by clicking here or use the escalate button on the webpage. You will receive a response within 5 days.

Yours sincerely,
Ashish yadav
Customer service team – sbi card

[thread id:1-9b1mas5]

— original message —
From: [protected]@travelats.com
Sent: 12/4/2018 02:25:23 pm
To:
Subject: re: [interaction id:1-[protected]] ext: emi

What sort of help is that?

Farzan shaikh

Travel consultant

Signature
Dubai airport freezone, p. O. Box 4516
Dubai - uae | t: +[protected] | d: +[protected]

F: +[protected] | e: [protected]@travelats.com | image002 image003image004image005 twitter

Confidentiality note:this e-mail is intended only for the person or entity to which it is addressed and may contain information that is privileged, confidential, or otherwise protected from disclosure. Dissemination, distribution or copying of this e-mail or the information herein by anyone other than the intended recipient, or an agent or employee responsible for delivering the message to the intended recipient, is prohibited. If you have received this e-mail in error, please notify us immediately (Telephone +[protected] or by return e-mail) and destroy the original message and all copies thereof. You agree that there is no warranty (Expressed or implied) that this e-mail is free from infection by viruses or anything else that has contaminating or destructive properties. You should implement virus checking procedures before opening this e-mail and any attachments.

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On thu, apr 12, 2018 at 12:50 pm, wrote:
12/4/2018

Dear mr. Farzan shaikh,

Thank you for writing to sbi card.

This is with reference to your communication dated 11/4/2018.

Incase of any query, would request you to click here or contact the sbi card helpline at[protected]Prefix local std code) or[protected]. Ivr & emergency services on helpline are available 24 hours and customer service representatives are available from monday to saturday between 8am to 8pm or you can get easy access to exclusive services & account information with just a click. Visit our website sbicard.com or download the sbi card mobile app to access self-servicing options on the go!

If you are not satisfied with the response, you can write to nodal officer, customer service by clicking here or use the escalate button on the webpage. You will receive a response within 5 days.

Yours sincerely,
Marina mariam koshy
Customer service team – sbi card

[thread id:1-9b1mas5]

— original message —
From: [protected]@travelats.com
Sent: 11/4/2018 05:50:13 pm
To:
Subject: re: [interaction id:1-[protected]] ext: emi

Please advise on the following.
1) what will be the emi i will be paying every month?
2) is rs. 8, 899/- as mentioned below is the total outstanding?


Farzan shaikh

Travel consultant

Signature
Dubai airport freezone, p. O. Box 4516
Dubai - uae | t: +[protected] | d: +[protected]

F: +[protected] | e: [protected]@travelats.com | image002 image003image004image005 twitter

Confidentiality note:this e-mail is intended only for the person or entity to which it is addressed and may contain information that is privileged, confidential, or otherwise protected from disclosure. Dissemination, distribution or copying of this e-mail or the information herein by anyone other than the intended recipient, or an agent or employee responsible for delivering the message to the intended recipient, is prohibited. If you have received this e-mail in error, please notify us immediately (Telephone +[protected] or by return e-mail) and destroy the original message and all copies thereof. You agree that there is no warranty (Expressed or implied) that this e-mail is free from infection by viruses or anything else that has contaminating or destructive properties. You should implement virus checking procedures before opening this e-mail and any attachments.

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On wed, apr 11, 2018 at 4:11 pm, wrote:
11/4/2018.

Dear mr. Farzan shaikh,

Thank you for writing to sbi cards.

This is with reference to your communication dated 9/4/2018.

Flexipay : we wish to inform you that transaction of rs. 8, 899/- has already been converted to emi for the 24 months tenure.

Incase of any query, would request you to click here or contact the sbi card helpline at[protected]Prefix local std code) or[protected]. Ivr & emergency services on helpline are available 24 hours and customer service representatives are available from monday to saturday between 8am to 8pm or you can get easy access to exclusive services & account information with just a click. Visit our website sbicard.com or download the sbi card mobile app to access self-servicing options on the go!

If you are not satisfied with the response, you can write to nodal officer, customer service by clicking here or use the escalate button on the webpage. You will receive a response within 5 days.

Yours sincerely,
Vishnu kumar
Customer service team – sbi card

[thread id:1-9b1mas5]

— original message —
From: [protected]@travelats.com
Sent: 9/4/2018 02:19:22 pm
To:
Subject: re: [interaction id:1-[protected]] ext: emi

Dear sod.
Please call me so we can discuss this issue [protected].

Farzan shaikh

Travel consultant

Signature
Dubai airport freezone, p. O. Box 4516
Dubai - uae | t: +[protected] | d: +[protected]

F: +[protected] | e: [protected]@travelats.com | image002 image003image004image005 twitter

Confidentiality note:this e-mail is intended only for the person or entity to which it is addressed and may contain information that is privileged, confidential, or otherwise protected from disclosure. Dissemination, distribution or copying of this e-mail or the information herein by anyone other than the intended recipient, or an agent or employee responsible for delivering the message to the intended recipient, is prohibited. If you have received this e-mail in error, please notify us immediately (Telephone +[protected] or by return e-mail) and destroy the original message and all copies thereof. You agree that there is no warranty (Expressed or implied) that this e-mail is free from infection by viruses or anything else that has contaminating or destructive properties. You should implement virus checking procedures before opening this e-mail and any attachments.

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On wed, may 17, 2017 at 11:14 am, wrote:
May 17, 2017

Dear mr. Farzan shaikh,

Thank you for writing to sbi card.

Flexi pay emi status: - we wish to inform you that the transaction for an amount of rs.8, 899/- has already been converted into flexi pay emi plan on 14/05/2017 for tenure of 24 months.

International mobile number update process:

We regret to inform you that in the absence of required details, we are unable to process your request for international mobile number update.

Further we would request you to please confirm us exact/expected the date of return back to india.

We also wish to inform you that as per the sbi card policy, any cardholder who is not residing in india for more than six months, card facility will be ceased

We would request you to confirm us in case, you staying out of india for more than 6 month, so that the card can be deactivated as we do not provide services if the customer is staying abroad for more than 6 months.

We wish to inform you that we can only update international mobile number only maximum of 90 days.

Please confirm us further course of action.

We wish to inform you that we can only update primary card holder contact number as registered mobile number.
In case of any query, would request you to reply at [protected]@sbicard.com using the same subject line or contact the sbi card helpline at[protected]Prefix local std code) or[protected]. Ivr & emergency services on helpline are available 24 hours and customer service representatives are available from monday to saturday between 8am to 8pm or you can get easy access to exclusive services & account information with just a click. Visit our website sbicard.com or download the sbi card mobile app http://bit.ly/SBICard-App to access self-servicing options on the go! “

If you are not satisfied with the response, you can write to nodal officer, customer service at [protected]@sbicard.com using the same subject line. You will receive a response within 8 working days.

You can now get response to your query within 24 hours. Introducing fast and easy way to raise queries online. To log a query, please click http://bit.ly/2n9iP6G.

Yours sincerely,
Geeta singh - customer service

[thread id:1-9b1mas5]

— original message —
From: [protected]@travelats.com
Sent: 10/5/2017 12:46:28 pm
To:
Subject: re: [interaction id:1-[protected]] ext: emi

Dear sakshi,
Kindly note i am on resident visa and not visit, hence my return date is not fixed.
And if you are facing trouble to update my international number ([protected]) you can update my father's number ([protected]). The reason i want to change my contact is because the existing number is owned by my sister and she no longer lives with my parents
Please find the following details for your reference.
*complete residential address;- 15 zubeda house near rehmani chawl kajuwadi chakala andheri (E) mumbai - 400099

*registered mobile number:[protected]

*dob/mother’s maiden name:- 22 nov1989/ dilshad shaikh

*last mode of payment with bank’s name:- cash deposit at branch

* need 24 months emi plan.


Farzan shaikh

Travel consultant

http://holidaysats.com/signature/2.png
Dubai airport freezone, p. O. Box 4516
Dubai - uae | t: +[protected] | d: +[protected]

F: +[protected] | e: [protected]@travelats.com | image002 image003image004image005 twitter

Confidentiality note:this e-mail is intended only for the person or entity to which it is addressed and may contain information that is privileged, confidential, or otherwise protected from disclosure. Dissemination, distribution or copying of this e-mail or the information herein by anyone other than the intended recipient, or an agent or employee responsible for delivering the message to the intended recipient, is prohibited. If you have received this e-mail in error, please notify us immediately (Telephone +[protected] or by return e-mail) and destroy the original message and all copies thereof. You agree that there is no warranty (Expressed or implied) that this e-mail is free from infection by viruses or anything else that has contaminating or destructive properties. You should implement virus checking procedures before opening this e-mail and any attachments.

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On wed, may 10, 2017 at 10:45 am, wrote:
10/05/2017
Dear mr. Farzan shaikh,
Thank you for writing to sbi cards.

This is with reference to your communication dated 09/05/2017.

International mobile number: we would request you to confirm the following details as updated with us, since it would enable us to take the necessary action at the earliest.

*complete residential address

*registered mobile number

*dob/mother’s maiden name

*last mode of payment with bank’s name

We would also request you to confirm the date of return back to india.

Further, we would also like to inform you that a confirmation call back would be made on your old registered mobile number and international number would be updated only after successful confirmation on the call.

In case, your old registered mobile number is not active, then we would request you to send either:

1. E-mail from registered e-mail id only along with scanned copy of passport or
2. Duly signed physical letter along with copy of passport at sbi card, 10th floor, tower – c, dlf infinity towers, dlf phase ii, gurgaon – 122 022, haryana.
Please note that international mobile number would be updated temporarily and same would be deleted from the records on approaching the date of return.

Flexipay on account: we wish to inform you that through flexipay you can make big purchases on your card and convert them to easy monthly installments. We wish to inform you that the features of flexipay are:

- any transaction of rs.2500 & above can be converted to flexipay.

- transaction can be converted to flexipay within 30 days of purchase.

- tenure option of 6, 9, 12, 24 and 36 months.

_ flexipay carries a flat rate of interest of 12.00% p. A for 36 and 24 and 13% for 6, 9 and 12.

- a onetime processing fee will be charged at the rate of 2% subject to a minimum of rs.149 & maximum of rs.750.

- in case you wish to foreclose/cancel your flexipay plan, a 3% cancellation fee will be levied on the outstanding principal amount.

How to convert to flexipay

- you can rewrite to us

- call 39020202 or [protected] (If calling from bsnl/ mtnl lines)

- sms fp to 56767


Incase of any query, would request you to reply at [protected]@sbicard.com using the same subject line or contact the sbi card helpline at[protected]Prefix local std code) or[protected]. Ivr & emergency services on helpline are available 24 hours and customer service representatives are available from monday to saturday between 8am to 8pm or you can get easy access to exclusive services & account information with just a click. Visit our website sbicard.com or download the sbi card mobile app http://bit.ly/SBICard-App to access self-servicing options on the go! “

If you are not satisfied with the response, you can write to nodal officer, customer service at [protected]@sbicard.com using the same subject line. You will receive a response within 8 working days.

You can now get response to your query within 24 hours. Introducing fast and easy way to raise queries online. To log a query, please click http://bit.ly/2n9iP6G.
Yours sincerely,
Sakshi bajaj - customer service

[thread id:1-9b1mas5]

— original message —
From: [protected]@travelats.com
Sent: 9/5/2017 11:12:11 am
To:
Subject: ext: emi

Dear team,
I have made an expense from my card yesterday of inr 8, 899/- i would like to convert this into emi.
Farzan shaikh

Travel consultant

http://holidaysats.com/signature/2.png
Dubai airport freezone, p. O. Box 4516
Dubai - uae | t: +[protected] | d: +[protected]

F: +[protected] | e: [protected]@travelats.com | image002 image003image004image005 twitter

Confidentiality note:this e-mail is intended only for the person or entity to which it is addressed and may contain information that is privileged, confidential, or otherwise protected from disclosure. Dissemination, distribution or copying of this e-mail or the information herein by anyone other than the intended recipient, or an agent or employee responsible for delivering the message to the intended recipient, is prohibited. If you have received this e-mail in error, please notify us immediately (Telephone +[protected] or by return e-mail) and destroy the original message and all copies thereof. You agree that there is no warranty (Expressed or implied) that this e-mail is free from infection by viruses or anything else that has contaminating or destructive properties. You should implement virus checking procedures before opening this e-mail and any attachments.

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—
Farzan shaikh

Travel consultant

Signature
Dubai airport freezone, p. O. Box 4516
Dubai - uae | t: +[protected] | d: +[protected]

F: +[protected] | e: [protected]@travelats.com | image002 image003image004image005 twitter

Confidentiality note:this e-mail is intended only for the person or entity to which it is addressed and may contain information that is privileged, confidential, or otherwise protected from disclosure. Dissemination, distribution or copying of this e-mail or the information herein by anyone other than the intended recipient, or an agent or employee responsible for delivering the message to the intended recipient, is prohibited. If you have received this e-mail in error, please notify us immediately (Telephone +[protected] or by return e-mail) and destroy the original message and all copies thereof. You agree that there is no warranty (Expressed or implied) that this e-mail is free from infection by viruses or anything else that has contaminating or destructive properties. You should implement virus checking procedures before opening this e-mail and any attachments.

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