State Bank of India — Not getting my refund

Hi,

In Dec 2009, a telecaller (Vishakha) called me and told me about a new scheme of SBI card. This is Advantage Card which you will get against a Fixed Deposite (Rs 10,000 in my case). She told me that I shall get 10% discount on railway ticket charges if I book it through IRCTC. I have to pay Rs. 10,000 (plus Card charge and taxes) as 12 EMI. Since I usually book train tickets for me and my family members through IRCTC, I was happy that I would get discount. So I applied for the card giving my first EMI. Later I came to know that there is no such discount. When I asked Vishakha, she said it was for that month only. The offers get changed everytime. She should have told me at the very first time only.

Anyway, I have paid all installments and now there is no due. The maturity date of my FD was[protected]. Since I was leaving Kolkata in January, I wanted my money on time. So, I talked to customer care on the same and paid my last installment in advance. If I calculate, the Total EMIs is more than Rs. 10000/- .

Now as told by customer care, I sent an E-mail giving my SBI account details with IFSC on 4th Dec 2010. A lady named Janifer called me from SBI on 17th or 18th Dec (don't remember exact date). She said I have to include my signature in the mail. She also said I shall get a letter within 8-10 days after I send my letter and then only I can withdraw my money from the bank.

I took a print of the letter, put my sign, scanned and then sent the letter on[protected] to them. I was now waiting for[protected]Maturity date of FD). But I received neither any mail nor my money on 28th Dec. Then I called customer care. They said I shall get it after 5-6 days (from 28th Dec). I told I am leaving Kolkata so make it fast. I can’t wait much. I was going to New Delhi on 3rd Jan 2011 from Kolkata. So, I called the CustCare again on 2nd Jan. Then they said, I shall get it after 7-10 days (from 2nd Jan). I said ,'you people are changing dates only'. I cann't wait. I am leaving Kolkata tomorrow. I need it today only. They said they would send an email and I can withdraw money. I said ‘Send it by tomorrow morning so that I can withdraw money and catch the train’. They agreed. But they again told me lie. I didn't receive any mail on 3rd and nor later. I returned Kolkata from N.Delhi on 7th Jan so that I can complete any pending tasks before leaving IBM as I was going to Hyderabad on 19th for joining Capgemini. I called CustCare again, then he (Biplab Chakraborty), started explaining me the Terms and Conditions. Now, I asked when will I get my money. He said that I should get money by 14h Jan. If I don't get by 14th Jan, then I need to call CustCare on 17th Jan before 5pm. I again waited and unfortunately the same thing happened again. No money, no mail, no call. I called CustCare on 17th complaining about the same, then the person who was talking to me connected me to the supervisor (Anil Kumar). Anil requested me to give 4 more days so that he can look into the issue and ensured me that he would call me on or before 21st Jan to inform me when I shall get money. I came to hyderabad. Now, again I didn't get any call back from them by 21st Jan, so I called CustCare. From 21st to 25th Jan, I called them multiple times and said if they won't refund my money, I shall go to Consumer Court. Then, finally they said by 27th Jan my money would be credited in my account. I relaxed because finally I heard a specific date when I could receive my money.


But this time also, they told me a lie only. No money was credited on 27th Jan. Then I called them on 28th Jan in the morning. They said that as 26th Jan was a holiday, money shall be credited by EOD today. I waited again. But again no money was credited. I called them again next day. Now this time they said it will take 4-5 days (from 29th Jan). I was furious now. I said why you people were doing like this. Everytime I am calling I am being told to wait few more days. Now you will again tell me about weekends after 4-5 days. Then he said, if you exclude weekends, then also you will surely get your money by 4th Feb.


Now, see my friends how the date is being dragged. I checked my account on 5th Feb and everyday thereafter. But I didn't get the money.
Today is 10th Feb 2011. I called them again and they started with the same story. They are saying that I will get money in next 4-5 days.

I think they will never refund my money. I have wasted Rs 300 to 400 to call CustCare. Can anybody help me?