[Resolved]  State Bank of India — Wrong Commitment for making business & Non-reversal of charges

My Credit Card No: [protected]
My Name: Vivek B Naik
Mobile No: [protected]

Fact - I had obtained a cash advance on the basis of information given by your executive that there prepayment charges will not be charged to me if I make the early payment of my cash advance before maturity date. Your executive said that this is an exclusive benefit of going for cash advance with SBI which no other bank is offering. On the basis of his verbal commitment I went for your proposal & got Cash advance. Subsequently when I decided to repay the full amount in 2 months I was told by another executive that I will have to pay the foreclosure fees. I had an argument with your executive on the basis of earlier commitment given by you executive & then she confirmed that those charges will be reversed in next statement but before that I will have to make payment of the same. On the basis of her confirmation I made the full payment in Dec-08 along with foreclosure fees but I found in next month's statement that the charges were not reversed. Again I enquired with your call centre where I got the reply that those charges will be reversed in 48 hours which again not happened. Again I enquired with your call centre where I got the reply that it will be reversed immediately & I can verify it in 2 working days. But again as usual there was no reply/response from your call centre.
Again I called up at your call centre on 09/02/09 at 12.45 pm to ask about the reversal & that time another executive said that one Ms. Preeti who was looking after this transaction is on leave & she will call me back in 48 hours & that charges will be reversed. But again I am very sorry to say that I had not received any call from anybody. Again I called up after 3 days to remind your call centre about the same & that time one gentleman said that those charges are surely going to be reversed in next 48 hours & I can check it on 14th of Feb, 09 in my a/c. But today on 18/02/09 when I saw my a/c, the credit I not yet reflecting. Most of the time when I call up at your call centre your executive keeps me on hold & after that either the call gets disconnected or I have to disconnect it as there is no reply from your side.

I am disappointed by the service of your credit card company & wish to inform you that if I don't get the immediate credit in my a/c then I don't have any choice but to go to consumer forum & media for giving me this kind of service.

Disappointed Customer