[Resolved]  Standard Chartered Bank Credit Card — HARRASSMENT BY RECOVERY AGENT

I WAS USING THE SCB TITANIUM CARD FROM SEP-08 TO NOV-08. THIS CARD WAS HAVING 0% TRANSACTION FEES ON FUEL AT ANY OF THE FUEL PUMPS ALSO THERE WAS A 5% CASHBACK OFFER GOING ON OVER THIS CARD. BUT ON THE TRANSACTION DATED 30-09-08 FOR FUEL SCB CHARGED ME THE SERVICE CHARGES AS WELL AS NOT GIVEN ME THE 5% CASHBACK IN THAT STATEMENT. WHEN I CONTACTED TO CUSTOMER CARE, THE GIRL SAID SHE CAN'T DO ANYTHING NOW, I NEED TO PAY THE BILLED AMOUNT, IF POSSIBLE THEY WILL ADJUST IN THE NEXT MONTH. WHEN I WAS EXPECTING YOU TO RESOLVE MY ISSUE OF CHARGING THE SERVICE CHARGE FOR FUEL, BUT THEY CHRGED ME THE LATE FEES AND INTEREST OVER IT. I AGAIN REQUESTED THEM FOR THE REVERSAL OF THESE UNJUSTIFIED CHARGES, BUT NO ONE RESPONDED. MEANWHILE I STOPPED USING THE CARD. AFTER THIS I WAS IN TOUCH WITH CUSTOMER CARE ALMOST ONCE IN EVERY WEEK. BUT EVERY TIME THEIR RESPONSE WAS THAT, “ FIRST PAY ALL THE DUE AMOUNT, THEN THEY WILL SEE MY PROBLEM”. THIS WAS THE STORY TILL THE MONTH OF APRIL-09.

FEW DAYS BACK ONE OF THEIR RECOVERY AGENT MS. DIPTI MAHADIK CALLED ME, AND STARTED SHOUTING LIKE ANYTHING. SHE TALKED TO ME AS I AM A THIEF & THEFT IN THEIR BANK, AND SHE WAS A POLICE OFFICER INQUIRING ME. SHE WAS NOT AT ALL READY TO LISTEN TO ME, SHE WAS ONLY ASKING “ARE YOU GOING TO PAY THE DUES OR NOT?” I SAID TO HER THAT AS I USED ONLY 1700Rs. OUT OF WHATEVER OUTSTANDING IS SHOWN IN YOUR RECORD AGAINST ME. SHE ALSO ACCEPTED THAT I HAVE ACTUALLY USED THE CARD FOR 1700Rs. BUT SAID YOU WILL HAVE TO PAY THE TOTAL DUES. AGAIN TODAY SHE CALLED ME IN MY OFFICE AND WASTED MY TWO HOURS. SHE TALKED TO ME LIKE ANYTHING, SHE USED VERY ABUSING WORDS TO ME, FORTUNATELY I HAVE RECORDED ALL HER CONVERSATION AND I CAN PROVIDE IT TO YOU AT ANY TIME. SHE ALSO SAID THAT SHE WILL HARRAS ME LIKE THIS TILL I PAY THE ENTIRE DUE AMOUNT. I FURTHER EXPLAINED HER THAT, IF I HAD AN INTENSION OF CHEATING THE BANK I COULD HAVE USED THE CARD FOR ALL THE 85000RS., THE CREDIT LIMIT OFFERED TO ME, BUT I DON’T AS I WAS NOT HAVING THAT INTENSION.

NOW I WANT TO KNOW FROM YOU THAT WHETHER THIS IS THE POLICY/APROACH OF BANKS TO TREAT THE CUSTOMERS? INSPITE OF MAKING THE MISTAKE THEY ARE TALKING ABOUT MY DUES AND INTEREST OVER IT. INITIALLY WHEN I WAS TALKING TO THEIR CUSTOMER CARE THEY DONT REALLY INTERESTED IN SETTLING THE ACCOUNT, AND NOW WHEN THE MATTER WENT TO RECOVERY DEPARTMENT, THEY ARE ABOUT TO KILL ME. I DONT KNOW WHOM DO I AM WRITING TO, BUT I HAVE ALL THE TRANSACTIONS RECORD WITH ME ALONGWITH THE CONVERSATION WITH YOUR MS. DIPTI.
I WILL REQUEST YOU PLEASE LOOK INTO THE MATTER VERY SERIOUSLY AS IT CAN TAKE SOMEONES LIFE FOR NOTHING.