[Resolved]  Tata SBI Card — Issues of overdraft by tata SBI card

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Bangalore, Karnataka

Dear team, <?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /> I had taken a tata SBI card few years back (2-3 years) and credit limit was given 10000 withassurance of increasing the limit in 3-6 months, even after repeated requestsby me they didn’t increase the credit limit. This credit limit made me not usetata sbi card on regular basis but used for very small transactions. During Septemer/october i had made purchase at store andswiped for Rs.10000 and initially denied as i made small transaction in thatmonth and tried for about 8000 and succeeded. When i got the statement for thatmonth, i noticed i was allowed to use 150 extra without my consent/knowledge.But the issue was Rs. 500 was charged as overdraft of Rs.150. Then i had spokento customer care and asked them to cancel. They informed me to pay onlyRs.10150. After that next month statement carried Rs.500 along with latepayment charges.. post that month the SBI tata card has kind of started mentalharassment. There has been lot of mail sent and calls made to resolve. Finallyi decided to close my account but they insisted me to pay for all.. bank hasnot been able to resolve my issue till date. In recent past lot of mails sent to [protected]@tatacard also wentvain i only get calls from SBI asking me pay full amount. Now they claim i havenot contacted them earlier, which is surprise. past 15 days i am getting callsfrom SBI, chennai (i got to know through true caller android application) butnobody talks, as soon as i recieve they disconnect or dont talk for 30-40 secsand disconnect. This has really caused me more mental stress. yesterday somebody had called from SBI (new number) and toldme i have agreed for final settlement of Rs3500 odd to my surprise and told they would update theCIBIL otherwise. Im using the HDFC card from past 3 years, without a singleinstance of late payment/dues/any concerns but this experience of SBI Tata cardhas been shocking. Also would like to mention i had SBI card but similarconcerns of less credit limit made me to cancel. im really worried and lost what to do for this kind ofcustomer handling by tata sbi card, which could impact my cibil score if theyhave updated. can anyone really help me address this problem. Thanks Subash [protected]