[Resolved]  Reserve Bank Of India (RBI) — Undue demand from Standard Chartered Bank on account of credit card fee

Address:

Mumbai City, Maharashtra

Dear Sir / Madam,

I was using credit card No ([protected]) of Standard Chartered Bank during 2003 to 2005.I received a call from SCB, when I was an existing card holder, Bank told me that we are offering you upgraded credit card without any annual charges or on free of cost. Then, I accept that offer for the Free of Cost upgraded card. But I saw, the Bank has added Rs 1500+ service tax as Card fee in my monthly bill. I refused the same immediate and return back that card to SCB. Bank has blocked the card at that time itself. In the recent past, Just I gone for taking a personal Loan from other bank and that bank has rejected my case due to CIBIL's negative report. The Finance institution has informed me that you are a defaulter of a Standard chartered bank due to dues of credit card around Rs 98k since 2005-06.I am using SBI credit card since 2003 to till date. A part from this, I had another card of ICICI bank and I surrendered the same in 2011.It is surprising that SCB has been keeping opened the transaction up till and multiple adding charges and balance has been gone up to Rs 98k.I got a call another day from SCB call centre, stating that your matter is open till date and your CIBIL report is being damaged due to this balance. They have taken my number from bank where I approached for taking loan.

The executive of SCB has offered me that he will get sorted out the matter If I make any settled amount or they will forward the same to Legal cell. I refused his offer and requested him that you are supposed to close my matter without giving any harassment to me because I was not agree for making payment of credit card up-gradation charges at that time itself.

Simply, I want to close the matter without making any adjustment and settlement from SCB to keep clean my record in CIBIL.

SCB did not inform me during last 9 years either email or through letter by post at my office address or residence after blocking my accounts. Whereas, I am working with Dainik Bhaskar Group (Print Media) from last 14 years means I did not change my organisation so SCB could not make any excuse that you have not updated your office address in Bank's records. Moreover, my residence address is also updated in bank's records as asked me by SCB's officer over phone. It shows that bank forget to close my account and did not send Statements of Account to me during last 9 years, Nov 2005.

The matter came across in to my knowledge while applying for personal loan otherwise I could not know about my CIBIL Report.

I request you to kindly look in to the matter and do the needful.

With thanks and regards,
Atul Kumar Sharma, M No [protected], PAN Card No AXTPS1407M