[Resolved]  SBI Cards — wrong full blockage of card

Address:

Patiala, Punjab

I am holding SBI Credit Card for more nearly 10 years and card has been upgraded by the Bank to Platinum keeping in view of my payment record.My card number is [protected].On 1st of Sept.2011, I had to admit my wife in Fortis Hospital Mohalli for treatment of a serious infection.Credit limit of the card is Rs. 130000/- . Upto 10th Sept. payments of Rs 130000/- were made to Hospital on the basis of running bills raised by it.My card billing date is 13th of every month.On 15th Sept. s.m.s was received from SBI card that e-bill of Rs 129998.50 has been sent to me and due date of payment is 3rd Oct.Being out of my home town and not having access to my bank I requested my brother-in law in Amritsar to deposit Rs. 250000/- against my card which he deposited and acknowledgment of having received the amount was received from SBI CARD via s.m.s. on 16th. The extra funds were deposited as my wife's treatment was expected to be long and hospital bills were expected to be high.
I was surprised to to receive s.m.s on 18 th Sept.from SBI card that my credit card has been blocked as precautionary measure to prevent misuse.I immediately called help line and explained that card is not being misused and explained circumstances for making over payment.I was promised a call back on 19th. Sept by 11 A. M. when this did not happened I again called help line and talked to Floor Manager. He was not helpful and would not listen to me, but at the end promised to resolve the matter in 72 hours. With no action from SBI Card help line till 22nd Sept I again called help line .Instead of listening to my pleas of help one Mr. Amit started scorning and said if I can have such excess funds why to use card at all.He said card will be blocked till the time they please.
My wife remained admitted in Hospital till 17 th Sept. and total bill was over Rs. 350000/- I had to arrange for funds for payment to hospital from other resources.
I have gone through the fair practices guidelines of SBI Bank for Credit Cards issued under directions of RBI. I do not find anywhere in these guidelines that use of card can be blocked due to over payment.
I do not know how to proceed for getting back over payment of Rs. 120000/- and redressal of my grievance of harassment ant mental tension caused to me as I have found that E- Mail sent by me to help line has gone to the same agency which acts as call centre for SBI CARD.
SURESH GUPTA