Standard Chartered Bank — Auto Debit from Credit card

Address:

Bangalore, Karnataka

My experience with SCB credit card team has proved that the SCB credit card team should come forward and assist with detailed reports for disputed transactions and care for customers.Based on trust we start using their services but doesn't seem to work.I was Creditcard holder of SCB and Card #[protected].I am following up with the team for more than six months regarding auto debit transaction performed by Credit card team they took more than 3 months however didn't provide any details instead asking me to talk to collection team.Collection team pay no heed to your words and doesn't work based on truth but forced to get as much money from customers.T I had been holding Standard Chartered Credit card # [protected] which I received in the third week of April 2006.While applying for credit card, we were told that it is life time free card. We submitted only the application form to the representative. When we inquired about statement April last week 2006, we were told that since no transactions were performed you were not getting the statements. It never happened to use the credit card. I didn't get any statements/calls from SCB credit team about any outstanding amount or any other disputes. Recently in Sept 2013, when i checked the CIBIL score for personal loan, got to know from SCB personal Loan Team that my CIBIL score is less than 700 and SCB Credit card has outstanding balances. I was shocked and I have been following up with the bank for resolving this issue since then but all in vain. But to my dismay, i came to know the following 1)Money(Rs2664/-) was deducted for auto renewed M/s Royal Sundaram alliance policy ( i never applied for it) in 12 April 2006.I asked the Bank team to provide the corresponding documents or scan copy of SCB credit card. There is no answer from them. 2)SCB bank reported my card into CIBIL records for unauthorized transaction's outstanding amount without providing any information to me 3)I never received any statement either through post or email regarding the transactions from the bank. SCB heads.services are stating that my card account has been permanently invalidated in our records owing to the non-payment of the outstanding dues for a considerable period of time. Hence, financial charges were accrued. On date, the total outstanding on your card ending 6053 is Rs. 76, 642.02. Can someone assist?