[Resolved]  Standard Chartered Bank — Credit card payment

Address:

Delhi

Kindly note that I was using your credit card no mentioned above in subject line. Please note that this card was fraudulently used by someone else on 21 Oct 2011 in the night time. Early morning of 22nd Oct 2011 when I checked the SMS, I immediately informed to bank and got the card blocked and also raised the dispute form to your head office.
But in this case nobody from your side was ready to hear me and told that I have to pay the full money as my card has been swiped and this is not bank’s responsibility. And they started to debit the interest and late payment charges to my card however the dispute form was raised. The original disputed transaction was for Rs 2500.00 and they debited me total Rs 7721 in the month of Nov 2012.
Your executive also effect ted my CIBIL rating without any information to me. During this I had written so many emails to your customer support but they didn’t replied. Even transaction slip was not signed by me that can be verified by my signature in bank record.
When I came to know that you guys had effected my CIBIL rating I again wrote so many emails to your office to settle the amount but your executive told that I have to pay full amount otherwise they will not clear my CIBIL rating. I was really shocked to hear this and was in mental tension. OK I decided to pay full amount as I am a heart patient and was getting too much mental harassment by your executives on phone and also I was being blackmailed by your executives to pay the full amount and they were saying that they can settle the amount but they will not clear the CIBIL rating and I will be having problems in future also.
Marta kya na Karta !
I paid full amount Rs 7721.00 on 7 Dec 2012 via net banking and asked officer Mr. Ravi Shankar / Mr. Hemant Anand at Gurgaon office to arrange the No dues certificate and to clear the CIBIL rating as I can’t bear too much tension and also there is no other bank outstanding in my name.
Sir since last one and half months, I have written so many mails to your customer care and made more than 200 phone calls to these executives at phone no[protected]/51 to Mr. Ravi Shankar and Mr. Hemant Anand but every time they are saying me to call again next day for clearance. Sir, even after paying full amount nothing is being done in my case and my CIBIL rating is down just because of you guys.
It looks that you are misusing the CIBIL rating to blackmail the customers. I still could not understand that if the amount is disputed, how you can forward that to CIBIL even if you don’t have the proper proofs for the transaction. For a fraud transaction of Rs 2500.00 I have paid Rs 7721.00 and still I have spent more than Rs 500.00 on phone calls (and mental harassment also) and looking for the no dues certificate and my heard earned money.
I hope you will look into the issue and resolve it ASAP.
Thanks for developing a dis-satisfied customer.
I will never suggest anybody to go with Standard Chartered Bank for any financial activity as nobody is ready to listen the customer in your big financial institution.


Anupam Garg