[Resolved]  State Bank of India — Fraud from SBI credit card

Address:

Pune, Maharashtra

I am a user of SBI credit card, Gold. I am using this card for past 2 years now. When SBI offered me this card, they promised me cash back of 2% on dept. stores bills, restaurant bills, and utility bills. It was a good offer and hence I went ahead with the card. I got my utility bills registered with SBI card and was getting cash back on that. Overall it was all fine.

I think a year back they changed the policy from offering cash back to rewards points. Now this was done without any intimation and I came to know about this only when I contacted their call center after seeing monthly bill. I was not happy, but as I have registered most of my utility bills. I continued with it.

6 months back I got a call from SBI (it says SBI but it is some agent) and offering me a credit card with cash back offer on dept. stores bills, restaurant bills, and utility bills. I explained the agent that I already have a card and there is no cash back and please do not disturb me as I have registered my number under DND. I was little skeptical about something fishy.

Again 1 month after this I got a call from same agent and offering me same card with cash back offer. I was annoyed and I went and lodged a complained with SBI call center about this agent selling cards with wrong offer. They noticed the complained and the called stopped for some time.

In last week, I received the call from same agent (I can say looking at the phone numbers), and offering me again SBI gold card with cash back on dept. stores bills, restaurant bills, and utility bills. So this time I am totally pissed off and told them that SBI have stopped cash back. This agent insisted that cash back is there and it is for life time, if you are not getting cash back you can get it activated by calling to call center. I went back to call center and ask them to activate which they said is not there. So I again registered a complained against this agent and asked them to take some action. I registered complain on Saturday April 17th. and they told me some one will call you in 2 days. I have not got any calls from SBI till now and today I called their call center again to check the status of complaint.

Overall with this experience, I understand few points and I would request if you can take it ahead:
1. SBI offer new customer with cash back on their card so that customer signs in for card and after some time may be 6 months or a year, they discontinue the cash back and change that into reward points. I am sure with typical tendency, hardly any one stop using the card or file a complaint about it. So overall SBI benefits as may be only 5% customers may be leaving after they come to know about it.
2. I have registered my number under DND and I still get calls from new card when I have not registered for it. This is in violation of TRAI regulations.
3. Overall this is totally fraudulent and unethical way of doing the business and not expected from SBI.

If you want u can share my recent complaint number with you.

I requested call center person to let me know the concerned authority which they fails to tell. Even the person there was not able to tell me whats action will be taken for my complaint.

Sameer