[Resolved]  SBI Credit Cards — Harrasment for Misuse of card

Address:

Delhi

Dt. 07.10.2010
Tarun K. Johry
5102 / B-7,
Vasant Kunj
New Delhi -110070.
M –[protected]
Dated : 08th Jan. 2010

CC : To
The BANKING OMBUDSMAN
2nd, Reserve Bank of India Building,
6, Parliament Street,
New Delhi - 110001


Sub. : Harassment on Mis-use of SBI Credit Card

Reference – SBI Credit Card No. – [protected]

Banking OMBUDSMAN Complaint No. [protected]

Dear Sir / Madam,

Your kind attention is drawn towards the “harassment” from SBI Cards (Follow Up Deptt) on account o[censored]njustified phone calls asking me to make payment for transaction which I have never been done. Sometime they people use very objectionable language and derogatory remarks in process. I have updated them several times, but it seems they think by repeated calling would result in some payment. Such “frantic and assertivecalls” would not be tolerated in future and would be complained in suitable forum about your callous and pressure techniques.

Earlier also, I have made several requests on the subject matter and your subsequent acknowledgement Dt.15thSept.2009 registering above complaint vide letter No. [protected]. I have also requested several times telephonically and through letters Dt.19th Aug. & 22nd Oct. 2009 to the Asst. Vice President, Customer Services and the Asst. Vice President, Fraud Control unit of M/s. SBI Cards & Payments. Since then, I received only one letter from Sh. Amit Kalra (Manager - Customer Services) Ref. No. MQ[protected], Dt. 16th Sept. 2009, wherein it was stated that the SBI Cards has taken note of my complaint regarding disputed transaction and the same is under consideration.

I am once again providing you the brief facts of this transaction:

1)The payment for which Transaction is forced on me , was never done by me;
2)There is no signature on transaction slip of disputed transaction as evident on transaction slip of the transaction;
3)The payment for other transaction which was there in the statement was made on time as other regular payments;
4)A police complaint was lodged for fraudulent transaction;
5)The merchandise has not been bothered to tally my signature with signature on the back of credit card ;
6)No SMS or communication was received for any such transaction when it happened;
7)I have requested for cancellation of my Credit card on realising such unauthorised payment;

I have suffered a lot on this account and I again request you to kindly look into the case sympathetically. The payment should be asked from the merchandiser who are authorizing payment without verification and from poor customers for without their fault. Is it due to the fact that easier to hold the neck of the credit card customer as compared to the merchandiser, who has better muscle power ? If it not necessary for them to make verification of Customer’s identity , then what is use of getting transaction slip signed by the customer ?

The message should not emanate for others from my experience that holding a credit card a curse.

As I suffered a lot on this issue and I am being forced to make payment for unjustified transaction. If this matter is not resolved then I would be constraint to seek legal remedy in ‘Consumer Court’ and further for suitable monetary compensation and legal action for suffering such mental harassment and trauma.

Thanking You and regards
Tarun K. Johry
M - [protected]