State Bank of India — Charging Interest without any reason

Address:

Chennai, Tamil Nadu

Dear Sir, My Name is T.N.Blessin, I am a SBI credit card user since February 2012, My Card no. is [protected]. I have taken an encash loan of Rs.3, 03, 000. for 46 months and I have taken this loan by October 2012 and I have paid 11 emi at the rate of Rs.9860/per month. This 11th month falled in my September month bill and I have paid fully. My statement date is 15th of every month. So before October 15th I called up the SBI customer care and asked to close my encash loan. For the balance 37 EMI, the principle amount pending in my card is 256444.51 for that 3% foreclosure charges is 7693.34, service tax 12.36% for the foreclosure charges is 950.9. So adding all these it comes 2, 65, 089. I have taken a Jewel Loan and paid the following amounts. The reason for 5 days delay after the first payment is due to the diwali festival and bank holiday. 12/[protected]HDFC online) 17/[protected]SBI online) 17/[protected]HDFC online) 17/[protected]Dropped a cheque) Total - 2, 65, 088. And since the payment crossed the statement generation date. You have generated the 12th month EMI and an amount of Rs.4749 is been shown extra in the October month Statement. I have been writing to your SBI customer care and nodal officer since September month end and still they haven't listen to my concern. They keep on sending me a mail stating that they have charged correctly and I have to make the payment. Now the November month statement is also been generated with an interest on the interest as Rs.5696. Am I done a wrong thing using your credit card?. In anyway have I tried to cheat you?. Then why you are pressurizing me with the extra interest on me without considering customers issues and after I have paid the entire amount without any dues. After all my mails for the 2 months follow up. I got a reply stating that, you can not reach me and you are cancelling my CARD and asked me to make the payment. For your kind information, I will not switched off my mobile any time nor my mobile will go to not-reachable state. Is this all about customer care. Please dont say that you care for customer. There is no care for customers. You all work as a machine. Where the frauds can make use of you to the most not the genuine customers. If you can do me a favor please activate my card and cancel the available outstanding of Rs.5696, which is nothing but the interest which is been levied on my card. Regards, T.N. Blessin, [protected].