Sir-- This is to bring your kind attention that 5 years back I submitted my SBI
CREDIT after get to know the procedure from their customer care. No due was pending
and I did not renew the card for next annual year. Till date they did not send any
settlement letter. And very recently, they are charging me Rs. 10,000 for penalty of
keeping my account. How it is possible. They repeatedly giving me the telephone cal
demanding the money. Since I have no document and the copy of my declaration letter.
Therefore, I cannot remember the No. of card and no letter is given to me till date.
Please take the necessary action against their unscrupulous activity please tell me
guideline to proceed and handle the matter.My Telephone No.-- 9433389578. KOLKATA.
Sujit Dutta Roy

C.G. Balasubramaniam,

No.5, Sri Nagar,

Karumbapalayam,

Vedapatti,

Coimbatore – 641 007. Complainant.

Vs.

1. The State Bank of India,

SBI Cards & Payment Services P.Ltd.,

DLF Infinity Towers, Tower C

12th Floor, Block 2, Building-3,

Gurgaon – 122002 –(Hariyana).

2. The State Bank of India,

Coimbatore Main Branch,

State Bank Road,

Coimbatore – 641 018. --- Opp.parties



This case coming on for final hearing before us on 14.10.2009 in the presence of Sri.N.D.N.Parthasarathy, Miss. B.Anandhi and Mr.P.Murugavel Advocates for complainant and 1st opposite party remained absent and set exparte and Mr.M.N.Manohar Advocate for 2nd opposite party and upon perusing the case records and hearing the arguments and the case having stood over to this day for consideration, this Forum passed the following:

ORDER

Complaint under Section 12 of the Consumer Protection Act, 1986 seeking direction against the opposite party to issue a corrected statement of account, to refund of Rs.1,016/22 with interest thereon at 18% p.a , to pay a sum of Rs.75,000/- to the complainant towards compensation for mental agony and to pay cost of the proceedings.

The averments in the complaint are as follows:

1. The complainant availed of the credit card facility offered by the opposite parties in the year 2003. On 23.02.2006 the complainant deposited a sum of Rs.9,000/- towards advance. The 1st opposite party without any justification adjusted the amounts claiming it to be towards insurance of the complainant, interest while no amount was due etc., only a balance of Rs.324/66was shown in credit as on 9.03.07. The complainant objected to the same.

2. The complainant availed of a loan amount of Rs.33,000/- for which he received D.D from Delhi which he had to replay with interest of Rs.6,600/- total Rs.39,600/- in 24 months, Rs.1,650/- per month. The opposite party debited the entire amount as per their statement dated 9.04.07 and also debited at Rs.1,650/- towards future months up to December, 2007 which was like extracting double payment.

3. The complainant had made only total of three purchases by use of the credit card and he had made the repayment promptly and closed the Loan Account. A sum of Rs.1,016.22 was due to him as detailed below:-



Loan Amount Rs.33,000.00

Interest on Loan Rs. 1,925.00

Total due Rs.40,431.50



Less : Payment details

Cheque No.539786 dt. 20.4.07 Rs. 1,650.00

539787 dt. 24.4.07 Rs. 4,982.00

539788 dt. 22.5.07 Rs. 1,650.00

539790 dt. 18.6.07 Rs. 2,866.00

539791 dt. 18.7.07 Rs.16,705.00

539792 dt. 18.9.07 Rs. 6,000.00

539793 dt.29.10.07 Rs. 7,270.00



Total Paid Rs.41,123.06

Execess Rs. 691.56 + op.crrs.324.66 8.03.07 Net Rs.1,016.22.

4. The complainant sent a letter on 29.10.07 with all the above details followed by a letter dated 21.12.07 requesting them to close the account and relieve him of the mental torture. He had sent back the credit card to 1st opposite party and they have replied stating that the matter was under consideration as to the discrepancy in accounts and that they will be intimating on the status shortly. The State Bank of India, Coimbatoe, the 2nd opposite party, is added as a party because it was through them that the credit card was handed over the complainant when he availed of the Housing Loan.

5. The 1st opposite party did not keep up its promise no correct account was issued. In contradiction to their own statement they have been sending statement showing a huge balance of Rs.10,871.45 as due from the complainant. The complainant explained that nothing was due by him on the other hand the opposite parties alone was due to returned Rs.1,016.42 and that if they persisted he may have to call the police and they left however after threatening that they will come again. Hence this complaint.

The averments in the counter of 2nd opposite party are as follows:

6. The complainant is not sustainable either in law or on facts of the case. Except the fact that the opposite party offered the Credit Card at the time of availing the Housing Loan as admitted by the complainant, this opposite is not aware of the allegations made in the complainant, since the Credit card division is a separate entity. Therefore this opposite party is not a necessary party to the proceedings. Therefore the complainant as against this opposite party is absolutely unnecessary. The claim made by the opposite party is not admitted and the same lacks in merits. There are no merits or bonafides in the complaint.



7. The complainant and opposite parties have filed Proof Affidavit along with documents Ex.A1 to A6 was marked the complainant .



The point for consideration is

Whether the opposite parties have committed deficiency in service? If so to what relief the complainant is entitled to?

ISSUE 1

8. The Complainant is a credit card holder is admitted by the 2nd opposite party. The 1st opposite party was set Exparte on 22.4.2009. The main allegation of the Complainant is even after his request to close the account and relieve him, the 1st opposite party did not keep up its promise, and no correct account was issued, but in contradiction to their own statements bills are being sent for Rs.10,871/-. The 2nd opposite party is added as a formal party.

9. The 3 purchases, Loan account, interest on loan and the payments details are all proved by the complainant by way Ex. A1 to A6. Ex.A1 and Ex.A2 are the letters dated 29.10.07 and 21.12.07 written by the complainant to the 1st opposite party, but there was no reply. Ex.A3 is the letter dated 12.11.07 written by the 1st opposite party to the complainant stating that the matter was under consideration and discrepancy in accounts would be intimated shortly. But correct account statement was not issued. But as per Ex.A4 statement was sent claiming a huge amount of Rs.10,871.45 on 9.01.2009. This is quiet contra to their own statement. There was no reply for the letter dated 15.2.08 (Ex.A5) from the 1st opposite party.

10. Hence we are of the view that the complainant has proved his case against the 1st opposite party. The complainant has suffered great anquish and mental illness because of the alleged false and baseless claim. Because of this complainant has to be compensated suitably.

11. In the result, we direct the 1st opposite party to issue a correct statement of accounts, to refund Rs.1016 with interest at the rate of 12% from the date of petition ie.from 28.1.09 and to pay a sum of Rs.10,000 as compensation for mental agony and cost of Rs.1000 to the complainant within one month from the date of this order failing which the complainant is at liberty to execute this order u/s.25 and 27 of the Consumer Protection Act, 1986.This complaint as against the 2nd opposite party is dismissed.

This is regarding Credit card account number 0004317575503994486 card number 0004317575509417276.

I recived settlement letter along with bill recept on 20/11/2008. Recept number 12653199.

But still now getting the bills and calls from sbi cards to pay amount to close the credit card account. Every time when i get the from payment depeartment i had informed them saying that i had alreday recived settlement letter and recept for the payment. But still they are not closing my credit card account.


Please help on this

Regards Prasad Kumar My number: 9741344002

Absurd renewal charges & phone calls
Card number-4317 5410 4450 3194

I am a doctor and i was forcefully given a free SBI credit in 2004 whch was called as doctor's card, i hardly used it and at the end of the term duly informed them that i dont need it any further. I recieved a letter from them saying that there is nothing outstanding and they will be happy to have me as a customer later on. All of a sudden after 4 years i started receiving rude calls, sms and letters saying that over 12000 is due and i can settle by paying 2300. I think this is extortion of the third rate by a reputed bank!
Phoen calls were from +911243992900. There is not even a single paise purchase on the card in the said duration and i fail to understand the reason behind such calls. This is to my unruly behaviour. When i try to reason with the callers i am told rudely to pay upi and they ll harrass me further. I ask them to check their records, they say we can just settle if you pay 2300 something, why should i?

Please rectify. i see similar complaints in this forum and i believe strict penalty should be imposed on such agencies to redress the consumer grievances.

Dear Sir,
This is regarding the disapproval of SBI card with No. 1230960000667.
Sir, I am to inform you that I applied for SBI card and submitted all the documents the need in time and when needed. The application was received on 6th Nov 2009. After some days that I found that my application has been disapproved. When I asked them for the reason they told that the reasons can not be disclosed. I have requested thrice bu all went into vein. I beg for proper justice in this regard.

Dear Sir,
This is in regards to the Privileged Citizen membership offer for the SBI credit card customers. I had received a call from the call centre located in New Delhi pertaining to offering of the Privileged membership for using the Credit card for more than 13 years. However I was never informed about the applicable charges and which were unfairly debited to my Credit Card account.
Though it was refused twice on prior calls, the male kept returning the call to inform that the offer was completely free and out of harassment and irritation I responded positively to the offer. On receipt of the positive response the caller mentioned that I would get a confirmatory call to record the acceptance. The voice of the male on the phone call was not at all clear and never informed about the membership fees which have to be paid on acceptance of the offer. The pre-recorded message on the confirmatory call was not comprehensive to any listener as it was in speed not acceptable to any normal individual. Assuming that the recorded message reflected the information given by the male caller it was responded positively. As token of membership we were sent a gift of a wrist watch which is not worth more than Rs 100 and some offers which are too expensive to use.
These charges of membership fees were noted in the monthly statement of December 2009 generated on 13th December 2009. While referring to the statement on 31st December 2009 for the payment of my outstanding dues the charges debited for the membership fees was noticed. On calling the Helpline on 01st January 2010, the help-line assistant rudely refused to waiver the charges on the grounds of the confirmation call which was recorded at the company’s database. Further she made allegations that the amount was debited to my account on 16th November 2009 and the bill statement was generated on 13th December 2009 hence we are too late to complaint. This is totally unacceptable as it accounts as a well planned and executed cheating on part of the Credit Card Company.
I would request to kindly guide me for the action to be taken on my behalf to get the issue redressed.

Hi
I had SBI credit card.I used this card for 8 months.In December Credit card statments there were some transactions which I never did.I compaint in Customer care.They assured me that they will enquire for these transactions and use this card as usual and they will revert back all the charges.After 3-4 months they told me that these transactions are valid and you need to pay whole amount and late payment fees,tranactions charges

I asked them to send me all details like merchant name,Type of shopping etc...for that transaction but they did not responded.I called them 20 times and send email them 4-5 time but no response.

Now they calling me on a daily basis for payment of these transactions and all other extra charges which increased to 5 times.

So, I would like to file a compaint against them to resolve this issue

Thanks
Anil Aggarwal

Hi,

I was using a GE Money Credit Card 2 years ago. I made a

settlement for Rs 29988/- on 25/07/2008 to a person collection

boy named Vinoth Kumar and obtained the settlement letter ref

no. GECC\CBE\0026. After few months i received a statement by

email to pay Rs 300/- . I went to the GE Money branch and asked

them why i am receiving the mail for getting settlement letter

and the person i met told me to ignore it and after a couple of

months GE money will stop sending the mail,he also told me that

is part of their process. After a months time i received a mail

again. I contacted the customer care center from my home and

talked to an executive in hyderabad. She also told me the same

reason. So thereafter i stopped contacting them but the mails

started coming and we ignored. After 2 long years, i got a call

from GE money and they asked for the settledment letter number

and i provided them the same. All of a sudden without any

intimation they have send me a notice stating that i have to

pay 12,500/- Rs within a period of 7 days otherwise they will

file the case in a court and i have to bear the expenses. This

is really humiliating and unfair practise they are adoplting

and trying to cheat for no fault of mine.The bank is doing

fraud against thier reputed customers and cheat the poor

consumers.

Kindly provide justice.

Regards,
Santhosh

Dear Sir,

I had used my SBI credit Card for a payment of Rs 54,000 and it was due on 5.02.10. The above payment was made at Apollo Hospital, Kolkata, as part payment towards operation of my Father, who is a cancer patient. Subsequenly, I was charged with a alate fees of Rs 3600.

Due to the extreme mental turbulence at that that , I failed to make the payment on time and it was delayed by 10 days only. I had made repeated requests to SBI to grant me a waiver on humanitarian grounds. There has been many email correspondence with SBI since then but they refuse to waive off the amount and have kept on piling up the charges which now stands at Rs 4800.

I have also summary of the payments made to SBI.




Please advice.

Regards,
Soumik Dutta

Originally Posted by soumik_d22

Dear Sir,

I had used my SBI credit Card for a payment of Rs 54,000 and it was due on 5.02.10. The above payment was made at Apollo Hospital, Kolkata, as part payment towards operation of my Father, who is a cancer patient. Subsequenly, I was charged with a alate fees of Rs 3600.

Due to the extreme mental turbulence at that that , I failed to make the payment on time and it was delayed by 10 days only. I had made repeated requests to SBI to grant me a waiver on humanitarian grounds. There has been many email correspondence with SBI since then but they refuse to waive off the amount and have kept on piling up the charges which now stands at Rs 4800.

I have also summary of the payments made to SBI.




Please advice.

Regards,
Soumik Dutta

We are sorry, we are not able to help you in this regards.

Hello,

This is with regards to the the below mentioed bill details on SBI Card Account number 4006676012649151, dated 01 Jun 2010.

When I had registered for the card, through your agents I had been informed that it is a lifetime free credit card and there is absolutely no related processing charges.However I have been receiving bill details on the card regularly, depite not having made a single transaction with it.

Please let me know , how this issue could be resolved at the earliest

I am avialaible at

Faisal Khan
Contact - 9962008052

Flat number G3 , Ganesh Apartments
New Number 26 , Third Cross Street
VOC colony, Aminjikarai , Chennai - 600029

I can take this card again for a life time use if you can revert back all the bills.

Regards,
Faisal Khan

Have you read the terms and conditions before signing the application form, all the fee detail should be mentioned on the application form and if no fee was mentioned on the application form then I am mentioning a procedure before going to consumer forum.

In case a customer is not satisfied with the handling of grievance by the Local Head Office, a communication may be sent (enclosing the message sent earlier to Local Head Office) to the Deputy General Manager (Customer Service) and the CMD of State Bank Of India at the below mentioned address.

Deputy General Manager (Customer Service)
Customer Service Dept.
State Bank of India,
State Bank Bhawan, 4th floor,
Madame Cama Road,
Mumbai-400 021

Chairman & Managing Director
State Bank of India,
State Bank Bhavan, 4th Floor Madam Cama Road, Nariman Point,
Mumbai, MAHARASHTRA – 400021.


To reach the SBI Card Helpline from anywhere in India
From BSNL/ MTNL Lines – 1800 180 1290
From all other phones – 39 02 02 02

Note: If calling from a mobile phone, please prefix your city STD code.

You can reach through email for getting any Product Information, making a complaint, feedback or any other inquiry. Email: feedback.gesbi@ge.com

You can Fax at: 0124-2567131

If the same is not resolved to your satisfaction within one month from the date of receipt of the complaint, you are free to take recourse to any of the following:-

a)Directorate of Public Grievances, Govt. of India, Cabinet Secretariat, Sansad Marg, New Delhi.

b)The Banking Ombudsman located in State Capitals under RBI Ombudsman Scheme 1995,
relaunched as Banking Ombudsman Scheme 2006. Presently, Banking Ombudsman is located at 15 Stations. For addresses and area of operation of Banking Ombudsman please Click the below mentioned link where you will get ‘Our Commitments’ followed by ‘Banking Ombudsman Scheme’.

c) The District Consumer Forum under Consumer Protection Act. 1985.

Visit: Address and Area of Operation of Banking Ombudsmen for address of banking ombudsmen.
Visit: Form of complaint - Banking Ombudsman to know the complaint format.
Visit: Notice before filing consumer complaint for notice reference.

Note: Keep all the copy of Complaint and Notice and the registered post slip, this may help you if you need to knock the consumer forum.

I have not received settlement of outstanding of 4th month on my
credit card till date. so please send me a statement with out any latefees, or penalities,

i also spoke with your customer care executive he said that i will forward your request to our centre
but i have not yet received any bill.

so please look into the matter as early as possible

thanking you

jayant parab

Hi
I am facing to access the e-statement in the mail.

as mentioned in the mail i was trying to open the pdf file(Statement) using first4 characters of the name and last 4 digits in the card ..I tried several options but couldn't able to open.
Can you please suggest me how to opent the pdf file(passcode) or please let me know the toll free nbr in US so that i can call in US as i am currenlty in USA.

appricate youre help.

This mail is in regard to my new SBI credit card which I have received on 15th January, 2011.

Regarding my application: I have applied this card when Miss./Mrs. Sayali and Kavita (your executive from Pune) have called and told me regarding benefits of the card. They have told me you will get the voucher of Rs. 2500 along with this card and this voucher is redeemable without any conditions at BIG BAZAR.

But today when I have received this card I got only two vouchers i.e. Rs. 100 from Loot and Rs. 500 from Vimal, and the same is valid only when I will spend Rs. 2500 at Vimal store and the same was not communicated to me.

If I would have informed that I will only get Rs 600/- Voucher and that too is redeemable when I will spend Rs. 2500 than I would have never applied for this card as there is a joining Fees of Rs. 499/- as I am already having two credit card with sufficient amount of credit limit.

I am telling you frankly I am not going to bear the joining fees of Rs. 499/- so kindly waived off.

Kindly take this as a serious matter else I will go to the consumer court to file a case of fraud and sharing wrong and false information.

I will wait for 3 next working days after that I will forward the same mail to the consumer court department.