[Resolved]  Standard Chartered — cheating by standard chartered credit card sales executive

Address:

Delhi

Dear Sir/Ma'am,

With due respect I would like to narrate a case of cheating / misselling by Standard Chartered Credit Card Sales Executive. I have already raised a complaint to standard chartered customer support regarding but they people dont seem to have any interest in resolving my complaint.

The details of the complaint submitted to Standard chartered is as follows: complaint Ref No: 07/13/126747

Dear Sir/ Ma’am,
This is w.r.t. a misselling of a product by a sales executive of your credit card team. I got a call from your credit card team regarding a package (Advantage – card enhancement pack) being offered on my credit card on 07/06/2013. The lady on the sales call told me the benefits offered with the package. I was not interested in the package but the lady insisted that if I don’t like the package, I can return the package within one month’s time. She requested me to at least take the package and told me to return the same once I receive the packet. She dint mention the time from where my one month’s time countdown started and also she insisted me not to make any query in the confirmation call and told me that sir please I request you not to ask anything about the product in the sales call, just tell them to send the package at my address. I attended the call and did as told by her to me.
Anyways I got the packet on 27/06/2013 after 20 days of the verification call. I read the terms and conditions mentioned in the brochure. I called the customer care on 04/07/2013 and asked the customer care executive about the procedure to return the packet. The guy told me that I will get a call from the credit card team for the same and he gave me the service request no :[protected]. I got call from the credit card team on 10/07/2013. They told me that they will cancel the package but I will not be refunded the amount of the package charged on my card as the period of one month has been over and I could not cancel the package. I told her that I got the packet on 27/06/2013 and I requested for cancellation of the same on 04/07/2013. According to me, 1 month time will be over on 26/07/2013. She said the period started on 07/06/2013 when I got the first sales call. That was not told to me. And I dint ask anything during the verification call as she told me not to ask anything.
This is completely a case of misselling to me. I will have to pay 4000 + bucks for something which I don’t need at all. I wanted to talk to the sales executive who made the sales call and cheated me, but she said that she does not know who made the call and can’t arrange for the same.( There must be some body’s Employee code mentioned on the sales call conversion. )
I don’t want the package and want the charges levied on my card to be refunded. Kindly reverse my charges which have been levied on my card to avoid late payment charges. Kindly resolve the matter ASAP otherwise I will have to move to higher authorities.
The details of the card are as follows:
Card holder Name: Ashok Kumar
Card no: [protected]
Card expiry date: 05/18
DOB: 25/08/1984
Contact no: [protected]

After waiting for over 9 days, I dint get any written communication from them. I got a call from their credit card team on 26/07/2013, they told me that i won't get any refund and said I can go to RBI or even Supreme Court for the reversal but they wont refund me my money back. I asked them to give me this in writting, I got the reply from other side that I wont get any thing in written.

I again marked a mail on 26/07/2013 to the customer.[protected]@sc.com, card.[protected]@sc.com and head.[protected]@sc.com. The communication is as follows:

Dear Team,
W.r.t. complaint registered on 17/07/2013, till now and I have not received any written communication from your side, which you were mentioning in your previous automated generated mail that we will get back to you within 4 working days. However, I got a call from your credit card team and told me that they will not be able to get my money back and also cancelling the package worth rs 4500.00 issued on my card. But when I ask them to provide the same in writing they refused to do that and start telling me the terms and conditions now which were never told to me before this incident. They are asking me to give a valid reason for cancellation of the product , but actually this is a case OF misleading/ misselling of product to a new customer so, how one can provide a valid reason for deactivate the package . I could not ask anything over the verification call as I was requested by the sales executive not to make any query during the verification. This is coming out to be a complete case of cheating.
I request you to kindly look into the matter and NOT TO CANCEL THE PACKAGE UNTIL I GET MY MONEY BACK and request you to give me in writing that I will not be refunded my money otherwise I have to move to higher authorities or consumer court is only solution to my problem.
Kindly provide the solution on urgent basis. I am also belong to the same Industry as I am working with Axis bank as a Deputy Manager and know about all terms and condition very well.
Thanks and Regards
Ashok Kumar
[protected]

I am still awaiting for their response. I request you to kindly look into the matter as because of this I am not able to concentrate on my Job as well.

Thanking you in anticipation

Yours Truly,
Ashok Kumar
[protected]