Hi,
I was a Standard Chartered Diva credit card holder Card # is [protected]. My transaction was closed in Mar 2006, however I still keep getting calls from the collection department and recovery agents who use abusive language to my parents.
The complete story is narrated below :
1. Statements being sent after the due date of the payment and late fee being charged.
2. Interest being charged inspite of calling and informing that the statements received is after the payment due date.
3. Transaction / usage of credit card was stopped after March 2006. Did not get the statement in April of my last transaction due to which i have been charged the late fee & interest.
4. After 1 year I get a call in May 2007 for the clearance of the amount, however not received any statements after Aug 06. The total amount due was Rs 6786 approx in Aug including the late fee & interest.
5. Last payment of Rs 4200/- was made in May after to speaking to Mr. Shashikiran ( his cell number is / was [protected]) who said Interest will be revesed since statements have not been sent. Mr Shashi kiron agreed that I pay Rs. 4200/- hence payment was made. A citibank cheque was dropped in the box.
5. Mr Shashikiran said he will confirm the payment receipt and inform about the Final settlement letter, however did not get any information nor calls. So as aloyal customer I thought that the account is closed and settled since the payment is made. After the payment I never received any calls.
6. After 1 and half years again i have started getting calls from the representatives who dont have manners nor knows how to speak in polished english. The associate called and said the amount due is 20, 000 and the person called is Mr. Vijay from Delhi ( his number is[protected] and[protected] who uses abusive language and threatning that he will send the people to our house.
7. Have told Mr. Vijay the payment is made he just doesn't listen and screams. Also when I spoke with Mr Vijay he has threatned me that he will call again and again in future and I cannot do anything on it. This is for your kind information I will lodge a FIR at Local Police Station if again I receive a call from him, so please inform your Mr Vijay about it.
8. Many customers are facing the same problem with Standard Charterd bank where in consumer complaints have been filed and human rights cases have been filed against the representatives who call the customers to their residence number at odd house and harrass the old people at home.
9. Notes after each call has not been written as per the discussion with the represenatative . What is of the Bank's interest is what has been captured.
10. Insisted on Call recording, said cannot provide.
11. May be the representatives have some internal tie up or link that they verbally tell the customers regarding the charges being waived and abscond without any knowledge and thereby the customers have to bear the brunt who trust the standard chartered bank associates.
12. Bank representatives keep sleeping until 2 years and suddenly realize that they have to bother the customer and keep calling continuously using foul language to our parents.
13.On 18 Oct 08 went to the bank to speak with the Manager, Spoke with Mr. Raghu (cell number : [protected])& Nihar Saha ( cell number : [protected]), Mr. Nihar quoted that this problem is with all the banks not only with Standard chartered bank. If a employee who represents the bank says this that means internally all the employees are very much aware that the bank is playing it's gimmicks and tactics to harrass the customers. Mr Nihar also told me that I should have personally given the chque payment to the bank instead of dropping the cheque in the drop box, so the bank keeps changing the rules of payments as and when thry want and tell that hte customers are at fault because they drop the cheque in the drop box. "I quote that the bank is just creating nuisance" .
14. Mr Raghu got a statement that the balance is 13, 000/- odd when questioned that the person who calls says 20, 000/- is the balance, Mr Nihar nor Mr Raghu had an answer for this and said they might have been a third party who called for recovery. Mr Nihar said that any one can call in the name of Standard chartered bank so how can you trust the person calling . It's really disgusting that the employees of Standard chartered bank are trained to harrass and torture the customers.
15. When questioned Mr.Nihar regarding the statement not sent to me of Rs. 13, 000/- being balance, he dint have an answer and later said that once the account goes to recovery, the account gets written off and then no statements are sent. It a nice tactic of this bank to harrass and torture customers without keeping them informed. There was no notification sent by the standard charterd bank that the account has been moved to the recovery department. Also he said that these are the guidelines set by Reserve Bank of India, so when questioned why was this not informe to me, he said all the customers know about it, how will any customer know if there has has been no information sent on it.
14. Mr Nihar said that I will not get the final settlement letter unless i pay atleast some amount, are these banks in to bargaining or playing with the customers money.
15.I have the proof of the card being lost in Aug 06 with police complaint.
Have evidence of people whom I have spoken with, the statements received are all after the due date is passed.
After reading all the complaints of so many customers it's evident that the bank is just trying to threaten the customers and recover what ever money they can .
This is for the information to all the people who are undergoing the same torture by Standard Charterd Bank :
1) Recovery through agents is illegal.
2) Banks are not supposed to divulge your financial details and your address and telephone number to a third party.
3) Third party cannot represent your service provider for such crucial and sensitive information.
Kindly treat this letter as official, and take action accordingly.
Any call to the my number may result legal action.
I just want a Final settlement letter and close the transaction with this Bank. I regret to have being the customer of this bank which has bo human values and ethics.
Hope for a reply from your end . I sincerely request you to please help me come out of this torture from Standard Chartered bank.
Regards,
Shahwar Banu
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