S.B.I. Cards & Payment Services Pvt. Ltd.,
P.O.Bag No.28, G.P.O,
New Delhi-110 001.


Name: Narendra V Deshmukh
Address: Flat No.5, Shreeganesha Apartment, Opp. Pimprikar Hospital, Govind Nagar, Nashik (Maharashtra)
SBI Card No: 0004 0066 6101 3941 252 and 4006 6610 1874 0451 - COMPLAINANT

Dear Sir or Madam:

I am writing to dispute a settlement on my both credit cards as outstanding, and I hope you can help me.

Sir or Madam the facts of the dispute is as follows

1) I received the above said credit card by agents or sales person of SBI credit cards
2) On 19-12-2006 vide Settlement letter I have settled the outstanding amount on payment of Rs. 900/- vide Cheque No: 000235820 of DENA Bank of Nashik and Temporary Receipt No: 235820 dtd: 20.12.2006
4) The above said cheque got cleared in my account on 30.12.2006

And several time I visited SBI offices and almost more than 10-15 times SBI collection agents collected the Settlement letter, Temporary Receipt and Bank statement.

On 13.05.2007 at I have visited SBI card office and met Mr. Dhiraj Meshram and Satish Gaikwad, representatives of SBI card and submitted Settlement letter, Temporary Receipt and Bank statement. And Mr. Dhiraj Meshram told he will settle the issue in 4 working days and till date nothing is settled and still I am receiving the statements.

the another issue of second card (4006 6610 1874 0451) which doesn't used as single time, not any purchase deal, or utilized money, still SBI card again and again send me statements witch mentioned late fee.

I have applied for car loan from SBI and rejected on the ground to close the CIBIL pending queries and I am not able to apply for any loan even after settling the issue 6 years back

Still today I am receiving phone calls for the outstanding payment and statements.

it is duty of SBI credit card to prove the use of their card and clarify the use of their cards by me.

kindly help me for resolving this matter.

thanks and regards,

Narendra Deshmukh - Mobile No. 9422945994

Dear Narendra,

Thanks for sharing your Details, We will get in touch with you soon and address your concern at the earliest.

However, we would request You not to post your details publicly but mail us next time at sbicard_cares@ge.com .

Yours sincerely,

SBI Cards.

Dear Narendra,

We would like to share that your account stands inactive for usage with no dues, and we are also working on your CIBIL case and will update you with the status soon.

Your sincerely,

SBI Cards.

Dear Narendra,

We have sent the communication with regard to the concern raised by you at your registered mail id. Please call SBI Cards helpline for further assistance.

Yours Sincerely,

SBI Cards.

Dear Sir,

I have two cases of credit cards.
First-I was bearing SBI Credit Card no. 5264685317209011 and the same was closed in 2007 when I left Guwahati but I have got a call from Delhi by Miss Lipi Sharma in june month of year 2010 and she told me that my account was not yet settled and I have to pay Rs 40,000. She threaten and harrashed me lot over phone and so i got feared and again I have paid Rs 40,000/- by cash on 24th June 2010.The details of payment is given below-Date-24-06-1010

Amount-Rs 40,000

Mode of payment-By Cash

Receipt No.15221423

Book No.362707

Place-Durgapur

Agency code-1BC0607


And that time Miss Lipi Sharma has told me that within 10 days I will get the settelment letter but till today I have not yet received. I have sent many mails to her and her higher authority but no positive response received.
Now recently when I applied for loan,I came to know that my name was enlisted in CIBIL and so my loan was not passed from HDFC.

Second-I was also bearing an Axis Bank Credit Card (4718630000438993) in Guwahati. Here also same incident happened, they started to threaten and harassing me and They have told me that account was not yet settled and I have to pay Rs 34200. finally I agreed to pay the said amount in installment as I was in financial crisis. I paid the amount in cash in installment between the period of July-11 to June-11, Rs 10000/month in four consecutive month and But till now no I have not any settlement letter from them and perhaps they also enlisted my name in CIBIL.

Sir it is my humble request to help me in this concern so that my name can be removed fro CIBIL.
My PAN NO.BAUPS2522L.

If anything more required, pls feel free to call or mail me.


BR//
Tarak Nath Singh
9007008526

Dear Sir,

Still I have not got any respone/reply from anybody. Request to help me in this regard so that I can come out from the defaulter list in CIBIL.
Pls pls help me.

BR//
Tarak

Dear Tarak,

We regret the inconvenience. Thanks for sharing your details; we will get in touch with you soon to address your concern at the earliest.

Yours Sincerely,
SBI Cards.

Dear Tarak,

We tried to establish contact with you at 10:50 AM but we were unable to do so.Request you to please share a suitable time to call to address your concern on priority.

Yours Sincerely,
SBI Cards.

Dear Tarak,

Thanks for talking to us. We have noted your concern and currently looking into the matter. We shall update you with the status soon.

Yours Sincerely,
SBI Cards.

Sir,
SBI Credit Card has done wrong entry of Rs.-500 for overlimit charge. As per their rule no. G. Overlimit charges are applicable on total outstanding exceeding the Credit Limit at the rate of 2.5% of overlimit amount or Rs500 whichever is higher.
I exceeded the overlimit 418 as per the current statement. I already give complain for this but still there is no refund for this and they are blaming me for this also.Please make arrangemet for refund of amount.

Dear Customer,

We would love to get in touch with you and address the issue, request you to please mail us your contact or card details at sbicard_cares@ge.com mentioning reference number 251009 in your mail to enable us to address your concern on priority.

Yours Sincerely,
SBI Cards.

I have a SBI Credit Card and made a purchase of Rs.41,000 and Rs. 20,000 on 20th December 2011 in Kailash Electricals in Hyderabad for materials required for carpentry work in my house. The transaction slip for Rs. 20,000/- didn't print even though I got a message saying the amount has been debited from my card. After 3 days I got a call from SBI to convert the transactions to EMI and I did the same. The next day I got a call from the merchant that the amount of Rs. 20,000/- has not reached his bank account. I immediately called the customer care and they confirmed the transaction was indeed made and the money should reach the merchants account. After that due to personal reasons I was not available in Hyderabad for quite sometime and when I came back in March, the merchant has not released the inventory due to the Rs. 20,000/- not being credited to his account and even provided his bank statement as proof.

From that time onwards I am complaining to SBI Cards (managed by GE Capital) first to their generic complaint mail ID and escalating it to their manager(Sangeeta), vice-president(Divya) and all I get is the same mail with the following wordings with just the signatory changing.

Code:

Mr. S Prasanna
 
Re: Review of two Transactions dated December 20, 2011 at Kailash Electricals For Rs 20000.00 and for Rs. 41000.00 on your SBI Credit Card.
 
Dear Mr. S Prasanna,

This is with reference to the review of the above-mentioned disputed transactions on your SBI Credit Card No 8427.

We would like to inform you that the merchant bank is not able to confirm the credit for the above-mentioned transactions. The time frame within which the action can be initiated on a transaction is within 70 days of the transaction, and the above-mentioned transaction is dated December 20, 2011.

We are unable to provide credit for the said transaction since the transaction is beyond the stipulated time frame.  We, therefore request you to approach the merchant directly to claim this credit and clear the outstanding amount due towards your SBI Card Account.
 
We are closing the above-mentioned dispute at our end.

Incase of any further query on your card account, please contact SBI Card helpline at 39 02 02 02 or 1860 180 1290 (if calling from MTNL and BSNL lines). IVR & Emergency Services are available 24 hours and Customer Service representatives are available from Monday to Saturday between 8am to 8pm.

SBI Railways Cardholders, please call Railway Card Customer Care Helpline at 39 02 12 12 or 1800 180 1295 (if calling from MTNL and BSNL lines
 
 
Thank you, Mr. S Prasanna
 
Re: Review of two Transactions dated December 20, 2011 at Kailash Electricals For Rs 20000.00 and for Rs. 41000.00 on your SBI Credit Card.
 
Dear Mr. S Prasanna,

This is with reference to the review of the above-mentioned disputed transactions on your SBI Credit Card No 8427.

We would like to inform you that the merchant bank is not able to confirm the credit for the above-mentioned transactions. The time frame within which the action can be initiated on a transaction is within 70 days of the transaction, and the above-mentioned transaction is dated December 20, 2011.

We are unable to provide credit for the said transaction since the transaction is beyond the stipulated time frame.  We, therefore request you to approach the merchant directly to claim this credit and clear the outstanding amount due towards your SBI Card Account.
 
We are closing the above-mentioned dispute at our end.

Incase of any further query on your card account, please contact SBI Card helpline at 39 02 02 02 or 1860 180 1290 (if calling from MTNL and BSNL lines). IVR & Emergency Services are available 24 hours and Customer Service representatives are available from Monday to Saturday between 8am to 8pm.

SBI Railways Cardholders, please call Railway Card Customer Care Helpline at 39 02 12 12 or 1800 180 1295 (if calling from MTNL and BSNL lines
 
 
Thank you,

I have asked them in plain English, to give me a proof of how the money has reached the merchant for eg, a txn reference or id etc, but all they want me to do is "claim the credit directly from the merchant", how on earth will he do that when he is so sure the money hasn't reached him. Please let me know how should I proceed with this case.

I have cleared my dues for the remaining amount of Rs.41,000/- but this Rs.20,000/- has grown with added interest and am getting calls everyday to clear the payment.

Dear Mr.Prasanna,

We regret to hear that. We would love to get in touch with you and address the issue, request you to please mail us your contact or card details at sbicard_cares@ge.com mentioning reference number 151809 in your mail to enable us to address your concern on priority.

Yours Sincerely,
SBI Cards.

Dear Customer,

We are awaiting the additional information/documents from your end to help us address the issue raised by you. Kindly mail us the required information at sbicard_cares@ge.com.

Yours Sincerely,
SBI Cards.