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Complaint againt SBI Credit Card

This is a discussion on Complaint againt SBI Credit Card within the Credit Card forums, part of the Loan category; I have a SBI credit card in name of my wife. I have the add on card. In the month ...

  1. #1
    Avinash Panwar is offline Junior Member
    Join Date
    Sep 2009
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    1

    Default Complaint againt SBI Credit Card

    I have a SBI credit card in name of my wife. I have the add on card. In the month of March 2008 i had an outstanding of approximately 25000 on it. I made a part payment of Rs15000/- on 4th March 2008. I have the receipt for the same .The amount did not get credited in my account the next month so i enquired with the tele caller from gurgaon. I was told that they have some problem in udaipur and it will get credited to my account soon. I kept on making payments till July 2008 but even after that the amount of Rs15000 did not get credited to my account. At the sa case so many me time they were imposing heavy penalties onto us. Finally i stopped making payments in the month of August 2008 . I was continuously harressed by the tele callers from the credit card and i kept explaining them the situation. Finally they credited the amount of Rs15000 in my account on 16th December 2008. But till then huge penalties were imposed . I requested the bank to reverse the charges , but they refused to do so.
    From past so many months i have been getting calls from different places like Jaipur, Gurgaon etc and even after explaining my case so many times they have not taken any action.

    They have spoiled my credit report in CIBIL
    I am harassed daily via calls
    I am being refused loans from other banks
    My personal reputation has been spoiled

    Kindly look into the matter and do the needful

    Avinash

  2. #2
    advocate's Avatar
    advocate is offline Moderator
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    1,568

    Default

    Dear Mr. Avinash,

    Kindly provide us the details related to the payments made to the concerned back for the outstanding of rs. 25,000. Do you have any receipts for that payments?

  3. #3
    Unregistered Guest

    Unhappy INterst imposed by SBI Card even after payment made etc

    I recieved a statement from SBI Card on dt 16th Jan'09 for Rs 28625.46 with payment due on 5th Feb'09.Cheque no 764281 of SBI-Uttarpara was dropped in SBICard Drop Box on 01.02.09.On 11th Feb while enquering I found cheque was not encashed,so immediately on 12th total payment of Rs 28625.46 was made online through ATM. With repreated follow up their vice president Mr Ajay Bharati wrote me a letter(Physical letter) that cheque couldnot be encashed due to insufficiant fund,immediately I took a Bank statement from Dt 28.01.09 to 12.02.09 duly signed by BM-SBI Uttarpara which clearly mentioned that sufficiant funds were available allthrough,same was sent to AVP-Servise SBI Card also. Surpisingly in next month bill an addition of Rs 6448.96 towards interest late fee,ATM Dec fee,Fin charge etc was imposed on me,quite naturally I did not pay the same and sent strong protest memo through mail as well as through Registered post.SBI Card maintain deaf ear and continue adding up charges everymonth and as on dt it has become Rs 14,056.09 and now threatning over phone day and night and saying for action.I am a retired person,really disturbed and now seriously thinking of going for a defamation of court. Is there any friend to advice me in this matter,if possible I am ready to settle but surely without paying anything as I am not at fault!

    PR Dasgupta// +919748988668

  4. #4
    Unregistered Guest

    Default

    have a SBI credit card . In the month of Junr 2010 i had an outstanding of Rs. 6858.19 on it. I made full payment of Rs. 6858.19 on 02-07-2010 13:55:40 thru my icici bank net banking vide Transaction Reference Number MICI0078736766 . MY account not credit it yet.
    please let me the reason and advise.......... on my mobile...... 9818527909

  5. #5
    adv.richa is offline Moderator
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    Default SBI Bank

    Quote Originally Posted by Unregistered View Post
    have a SBI credit card . In the month of Junr 2010 i had an outstanding of Rs. 6858.19 on it. I made full payment of Rs. 6858.19 on 02-07-2010 13:55:40 thru my icici bank net banking vide Transaction Reference Number MICI0078736766 . MY account not credit it yet.
    please let me the reason and advise.......... on my mobile...... 9818527909
    Kindly contact to your bank customer care.

  6. #6
    Shalinder jha Guest

    Default sbi card fraud

    My Sbi credit card number -5264 6853 1661 1613
    my name Shalinder jha
    It is very big issue that when i have never never used the card , how i get bills , and when Last month i got call from Mumbai (Some mahim branch)
    aboutt big due around 12000 etc some thing, they told that they will settle my whole account and close account after paying 3500. rs but when i paid amount , i still waiting of my settlement letter, this is disgusting totally fraud.

    you cant even show me a single transaction from credit card, i have never used card even i paid 3500.00

    My request now i have paid 3500 . rs for settlement and to close account then y am getting calls again from banks
    And even i paid already 3500.00 to bank

    please let it be clear now when once it settled.. no more calls i want , if i called by any of bank person i will file complaint.

    send my settlement letter

    form below number i got calls for settlement and i paid 3500 for settlement against my credit card
    98331233098(Amit )
    022-39805562

    gv me clearity, my payment details

    Company Name: SBI Card/ TATA Card
    Card No: xxxx xxxx xxxx 1613

    Payment Amount (Rs Ps): 3500.00
    Payment Date: 27th September 2010
    Payment through: ICICI Bank

    Transaction Identification Number: MICI0097526203








    below my mail which i mailed in 2007 to close account but because of company mistake y i pay money need an answer


    rom shalinder jha <jhazzz@gmail.com>
    to head.sbicards@ge.com
    date Tue, Jun 26, 2007 at 1:07 PM
    subject urgent
    mailed-by gmail.com
    hide details 6/26/07
    Respected Sir,

    My sbi card number is-5264 6853 1661 1613-NAME- JHAZZZ
    my name Shalinder Jha,
    Actually Sir i hv not used my credit card yet but i got the monthly statement and they showing some amount balance of INSURANCE ,,,I want to cancel all Insurance immidiatly , then i wl use my sbicredit card , and if it is not possible then i wl send back ur credit card . please all insurance schemes .
    REPLY AS SOON AS POSSIBLE

  7. #7
    Unregistered Guest

    Angry Don't apply for SBI Credit Card

    I advised you please don't apply for SBI credit card because the service and also customer care section of the sbi credit card is 100% poor.

    I got a credit card on my FD. not for their kind. still they deactivated my card but still not they didn't send lean letter to branch so that since 3months i can't withdraw my FD amount.

    So now i am thinking to file a case against sbi card section.

  8. #8
    surajprabhu is offline Junior Member
    Join Date
    Jul 2011
    Posts
    1

    Default Sbi credit card - late fee


    COPY TO
    THE CONSUMER COURT
    INDIA



    Trivandrum
    08-07-2011
    To
    The Manager
    SBI CARD
    11th floor, DLF INFINITY TOWER-C,
    BLOCK 2, BUILDING 3, DLF CYBERCITY,
    GURGAON.
    HARYANA-122002
    INDIA.

    Sir,
    SUBJECT : YOUR CARD – SBI CREDIT CARD
    ( A CARD FOR CHEATING THE COMMON PUBLIC )

    You have issued me your credit card in 1999. You where on the normal path upto 2006 March. Immediately you have started your ubnormal actions. I am very firm to say that I have not failed to pay the amount regularly, but you where cheating me by leving undue, late-fee since April 2006. Your attitude and behaviour was deliberately for the purpose of imposing late fee. It is clear from your monthly statements, you where overlooking the payments received by you, and charging late-fee. Please go through my account and find this. Several times I wrote you, but you where cheating me throw your letters saying that the late-fee credited back to my card account. But not accounted against any payments to be made by me.

    In 2006 June, you have shocked me by debiting twice the amount which I have taken from ATM, though it was credited back after several contact / and letters. Thereafter I have stopped using your card, then you came with another trick to trap me by giving a loan. The loan granded in January 2007, to repay in 12 monthly installments along with interest and starting from February 2007. You have debited me with processing charges – OK. Installments included interest also. I have sincerely repayed all the installments every month upto January 2008, even before the due dates. But, I am sorry to say that your behaviour was indifferent, and it is seemed that your interest were to get amount by the way of Late-Fee and all other ubnormal charges.

    You called me ( said to be from chennai office ) asking me whether I have made the payments for the month August 2007 or not. I replied you the prompt payment, but when I received your statement for August, it is found that you have deliberately charged me with late-fee upto Rs.700/-. Thereafter you have continued to do the same consecutively for the next two months also. And removing the credit of Rs.1200/- credited back to me, ( ie amount already recovered in the name of Late-fee credited back to my account and kept seperately) and leaving no such entry there. You have continued doing the same phenomina of debiting the late-fee untill January 2008. By January 2008, all my installments where payed very promptly, and I can boldly say “ THERE WAS NO BALANCE TO BE PAYED BY ME ”, but Late-Fee.
    In March 2008, your people called me from chennai office (said to be from chennai ), demanding Rs.430/- to close my account and sending Nil Balance amount statement. I very much regret to say that your people came to my home and collected a Cheque for Rs.430/- against a receipt, but it is found from my Bank statement, that cheque issued for Rs.430/-, collected through clearing with Rs.1430/- by altering the cheque amount both in Figure and Adding words one thousand just above my writtings with a different hand writing. Immediately in May 2008, I wrote to you about this and asked to close my card account and requested you to send me the amount excess collected through altering the cheque Rs.1000/- + Rs.1200/-,ie already cheated amount earlier by means of Late-Fee + Rs.4000/- cheated me by the way of Protection Plus class by means of DD drawn on Trivandrum. But, no reply received yet from you / draft received.

    You where tortureing me for the late-fee amount till the date:

    1. PLEASE ANSWER ME HOW YOU HAVE CHARGED ME FOR ALL MY PROMPT PAYMENT OF INSTALLMENTS ?

    2. WHY SHOULD I PAY YOU, LATE FEE AND LATE FEE for LATE FEE ?

    I request you again, please behave properly and send me account closed statement showing Nil balance amount atleast. For your information I tell your card is already expired in 2008. I hope that you will do the needful earlier.
    Otherwise I will go to the conpetent court for compensation as well as for tortureing me so far, with proper evidence. I am sending a copy of this letter to the bank Ombudsman also.



    Thanking you,
    Suraj A (S/o ATMANANDAN R)

  9. #9
    Getutpal Guest

    Angry Not Use SBI Credit Card

    Dear All,

    Being a responsible person I will request you all not to use credit card of SBI. They cannot provide valuable support to customers; Redeem points which they show actually is bogus, there is no specific rules of their cards which they arfe offering to the customers; I am really disturbed by using the card of SBI and I will throw it out.


    Regards
    Utpal Bhattacharjee

  10. #10
    Unregistered Guest

    Default complaint for credit card

    Sir, I have SBI Silver credit card, I am a Central Govt. Employee, My salary account is in SBI , so this card was offered to me, i accepted it , last year i used it due to some financial cricis , the actual outstanding is Rs. 20,000/- then they started to impose Rs. 1100/- per month as minimum amount of interest i already had paid for more than last six months, during this period one offer was given me to convert the outstanding amount in EMI , the telecaller confirmed me that some one will come to my address and collect the Post Dated cheques for the EMIs , then no one came to me , after that they harrasing me by daily calling that your account having minimum interest amount is Rs. 1256/- i requested and explained them the situation but they says that there is no scheme was given to your account so you must have to pay the minimum amount otherwise more Rs. 700/- will be charged. so which rate of interest they are counting i can't understand and how rough language they people are using ? I want to launge a police complaint against the bank for 420 with the customer. so please guide me should i became like them or they can help me in streight way? Thanking you..
    Your. Jitendra Mesra

  11. #11
    navendu Guest

    Default Wrongly metioned card number in settlement letter

    As discussed with customer executive and me, there is made a full and final settlement letter of our outstanding amount of SBI Card. I was agree and to be paid the amount rs 2565.00 by 31/08/2011. But in the settlement letter the credit card number was wrongly mentioned while I haven't used this number and has also been fighting against the same from two years. I have written many letters and talked about the same on telecoms time-to-time but didn't get any response yet. Now I have completed approx. two month for such case and still waiting for soulation. As per customer executive said that the provided card number is mine and is carry-forwarded the amount on new card while I haven't received any credit card of this number and ensure it that there will not be any receiving proof.
    Then, how and why to paid the amount of this card number. While earlier I have paid rs. 16,000 instead of purchased amount rs 5800.00 on June month 2009. The unning card have also closed on the same month when we lost the Card, after that I haven't received any Credit card. Now, I received a phone call from SBI card office that your ammount has been increased while this was pending on their end. This is totally chitting from me and if I pay the ammount rs 2565.00 on orther card number that was not mine, Again I can be chitted and can say to me that your ammount is still pending in the actual card number. I was said that any proof will be to paid this ammount either mail and re-letter of settlement but I didn't get any response and mail. I have frustrated for such case and is also being mentally torched regarding the payment. Kindly look into this matter.

    Thanks and regards,
    NAVENDU
    9899741402
    9313545282

  12. #12
    Unregistered9BMSQS Guest

    Default Non Receipt of mobile msg on using SBI card

    Dear Sir,

    Generally I used to mobile msg as soon as a transaction is put through. Today I booked airline ticket with easymytrip.com
    but I did not get the msg. My card number is 4006 6760 1621 4135. I also want to change my VBV pass word. Pl send the procedure by email.

    T.Venkata Subba Rao

  13. #13
    Unregistered Guest

    Default Dont use SBI credit card

    Very worsy customer care service. Dont apply SBI credit card.

  14. #14
    navendu Guest

    Default Wrongly mentioned card number in settlement number

    Dear Manager/Customer executive

    As discussed with customer executive and me, there is made a full and final settlement letter of our outstanding amount of SBI Card. I was agree and to be paid the amount rs 2565.00 by 31/08/2011. But in the settlement letter the credit card number was wrongly mentioned while I haven't used this number and has also been fighting against the same from two years. I have written many times mail and talked about the same on telecoms time-to-time but didn't get any response yet. Now I have completed approx. two month for such case and still waiting for soultion. As per customer executive said that the provided card number is mine and is carry-forwarded the amount for new card while I haven't received any credit card of this number and ensure it that there will not be any receiving proof.
    Then, how and why to paid the amount of this card number. While earlier I have paid rs. 16,000 instead of purchased amount rs 5800.00 on June month 2009. The running card have also closed on the same month when we lost the Card, after that I haven't received any Credit card. Now, I am receiving phone call from SBI card office and saying that your ammount has been increased while this was pending on their end. This is totally chitting from me and if I pay the ammount rs 2565.00 on orther card number that was not mine, Again I can be chitted for actual card number payment. I was said that any proof will be to paid this ammount either mail and re-letter of settlement but I didn't get any response and mail. I have frustrated for such case and is also being mentally torched regarding the payment. Kindly look into this matter.

    Thanks and regards,
    NAVENDU
    9899741402
    9313545282

  15. #15
    raghav kapoor Guest

    Default SBII Credit card bill

    My credit card number 4317 5752 2416 9434 has wrong entries in bill like overlimit fee 500 rs and total GST 72.65 /- .plz expalin why these charges include.?


    Raghav
    9356064127

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