[Resolved]  Standard Chartered Bank — Incorrect charges charged in Credit card Bill

Address:

Mumbai City, Maharashtra

My Name is Anand Pandey and my number is [protected]. This complaint I am following up with Standard Chartered Bank and not getting any help. Standard Chartered Bank detail INSTABUY'S ACCOUNT - CLASSIC [protected] XXXX-XXXX-XXXX-0957 Dear Prema V, I think you are very junior in the company and not efficient to answer my email hence you have not understood the complaint, This time I want reply from Senior and it shud be pointwise Every month I am paying the bill amount through NEFT and automatically the amount is received by EMI account. My question is since June 2013 I am paying the amount in Credit card then why Bank is adjusting in EMI. Why no body replied to me that I am paying amout in incorrect account ? If you refer my query which I wrote from SC Bank online, in that I clearly wrote to Bank that I have paid the amount then why I have received reminder SMS for payment ? Please answer me why your executive had not mentioned that I made wrong payment. You may refer executive response her name is clemy I have applied for SC credit card and purchased phone on EMI, Bank had himself separate account for EMI which was not asked to me before creating. I want more clarity why Bank person is not calling me when I am writing in my email to call me Today I have registered complaint in Consumer complaint forum Regards, Anand Pandey ________________________________________ From: head.service <head.[protected]@sc.com> Sent: Tuesday, January 28, 2014 2:37 PM To: Anand Dilip Kumar Pandey Subject: your recent comunication with us (KMM16689440V10748L0KM) Ref : 01/14/112119/SP/CRD Dear Mr. Pandey, This is with reference to your e-mail dated January 27, 2014 Please note that, as per January month statement we have received a payment of Rs.1, 791.00 towards your card account 0957 and the payment got adjusted towards your purchase amount.Hence, as on date your card account 0957 has credit balance of Rs.112.46. Please note that we maintain separate account for your Instabuy 's / balance transfer account for ease of accounting purposes. The account ending 9731 is your Instabuy's account. Also note that as per the statement dated December 26, 2013, the total outstanding in your card ending 9731 was Rs.1, 790.84 towards which we have not received any payment till date. Hence, financial charges were billed to your card account as per the terms and conditions specified in the Important Information Document attached with your monthly statement. Hence, we regret our inability to reverse the charges. We wish to inform you that payment can be effect towards the instabuy via billdesk site. Under the card section, there will be an column for the loan payments. We request you to enter the 16 digit instabuy account to effect the payment. As on date, the total outstanding in your card ending 9731 is Rs.4, 163.19. We request you to effect payment towards your card account to avoid levy of charges. Assuring you of our best services always, Yours sincerely, On behalf of Standard Chartered Bank Prema V Officer - Customer Care We would like to know whether you are satisfied with this e-mail interaction. Please click on the following link to provide your feedback. https://forms.online.standardchartered.com/public_website/india/e-survey/ Please do not disclose your PIN/One Time Password (OTP) to anyone. Standard Chartered Bank will never call or send SMS/emails asking for such details. If you receive an OTP without request, please intimate the bank immediately. Login to Online Banking through our secured website For more details on our complaint management policy and Banking Ombudsman Scheme, 2006, please visit to http://www.standardchartered.co.in/personal/tools-utilities/en/complaints.html Standard Chartered Bank is committed to making your banking with us a pleasant experience and values your feedback: Visit Us : www.standardchartered.co.in Write to Us : customer.[protected]@sc.com You can write to us at Standard Chartered Bank, Customer Care Unit, 19, Rajaji Salai, Chennai ? 600 001 or reach our Phone Banking executives at http://www.standardchartered.co.in/personal/ways-to-bank/en/phone-banking12.html Original Message Follows: [protected]---- Dear All, Today I have received attached credit card statement wherein Rs. 581.51 is charged towards (Late payment, ST and Interest). I have paid rs Rs 1791 on Jan 03, 2014 to clear my EMI of last bill which was generated on Dec 26, 2013 and the last date to clear the bill was Jan 17, 2014. On Jan 16, 2014 I received message from SC Bank that payment is not received. Immediately I wrote to your customer care wherein they replied that payment is received and it will reflect in next bill. Now you have sent two bill in Jan 2014, 1st bill is of EMI wherein all incorrect charges is charged and 2nd bill is for other purchase apart from EMI. I just want to know that when customer had made payment and verified the facts by writing to Bank then why such charges were charged ? Without mistake I have to follow up with Bank. Today I called customer care they said charges are correct and I have to pay... When I said in email reply your officer had written that Bank had received last bill payment against the EMI, then callcenter person said email team is Back end team and we donot have that data so you write back to them. This shows that SC Bank doesnt have standard process wherein both interface can view the reply which is given to customer. This is really sad ... If someone calls me it will be great help to me Requesting all to cross check what went wrong and reverse the charges immediately and minimum due amount. Detail written on bill INSTABUY'S ACCOUNT - CLASSIC [protected] XXXX-XXXX-XXXX-0957 Regards, Anand Pandey [protected]