Credit Card Complaints & Reviews

Sub: compulsory late fee reporting. Card No: [protected]

I am regular customer past one year your colleting late fee regularly last month. I requested you for not colleting late fee but still your collecting .I am not satisfied with your service kindly consider this problem immediately

late fee deducted from my account to be reversed

1) This is possible only when you have paid the entire amount displayed as due by the bank on the card statement. All settlement cases are viewed as defaults and the bank never withdraws the name of the person till the balance payment has been made to the bank. If you have paid all the money that is owed on your card (and not a settlement figure quoted by the collections team), you are eligible to request for a removal of name

2) Assuming that you made full payment, call up the customer care of the bank and request for two things: 1) no dues letter within 7 working days 2) a zero balance statement. Take down the request number to follow up. these two documents are very essential if you want to apply for another card or any loan in the future and it stands proof that you have cleared all your dues with the bank. Please keep these documents safe

3) Call again to customer care and ask them to do two things: 1) update CIBIL so that it does not show you to be a defaulter 2) send an email to Satyam database to take your name off the defaulter list. Satyam Credit Services maintains the list for the Indian Cooperation committee where Mastercard and couple of other banks came together to start a list service (before CIBIL was born) and put the name of all defaulters on it so that other banks do not lend to them. Only the bank that put your name on the list, can get it removed. There is no known address of Satyam list so you have to take the bank's word that it is removed. Insist that a letter be sent to you stating that the bank is taking steps to have your name removed from the Satyam list ASAP and this letter will do when you apply for credit again

4) If the letters do not come, write to the grievance redressal head of the bank. All banks as per RBI regulation need to have internal grievance redressal cell and you can get their email address and phone number from the bank's website or from the customer service on phone.

5) If even the grievance redressal people fail you, file a complaint with the banking ombudsman of RBI who will solve the problem for you. Different regions have different people - check the link below:
http://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=164

Usually, the bank takes your name off and gives you a no dues letter without creating problems when you pay them off in full. This is my personal experience with Stanchart and ABN.

Best wishes

I am neeraj kumar dhiman my dob is 15061977.i pay full & final payment of my creaditcard (icici, hdfc) bank, s tell me there is no due to your c/card. please removed my name in defalter list. i applay a loan for car bank people tell me your name in defalter list.ple remove my name.
THANKS
REGARDS

I am goint to take a creadit card from HSBC bank, they called me and asked about any complaints in police, i refused, he told me that u will have to pay Rs. 1500/- as fine.

is it right thing or wrong???

i am Intrested sbi creadit card plz call me [protected], 4040249

I am Sachin I received call from delhi related to full & final settlement of my credit card as per his telcon I paid I paid full amount of my credit card in cash in citibank. But still I am getting mails from citibank your payment is due. Please guide me what to do. When can remove my name from defaulter list.

as per my view indian people should avoid to getting credit card as the credit card company are cheating the poor peoples of india, if you had then always carefully go throght charges, you might be able to find they are overcharging to the custmer on one and another pretetex.so i request all of you foolw the complaint proceder and then file a suit nin consumer forum and to the banking obmusbusman so the r b i may be foo;ow the complaint data .

Dear Sir / Madam,
Sub: Credit Card Outstanding Payment (Card No: [protected])

First of all I would like thanks for your service.

The above mentioned card I am using from Jul-2007 onwards, and still now I am regularly paying my dues. Due to some personal reason I couldn't able to make the payments on time from the month August 2009. But same has been paid in the month of Sep 2009. In the mean time One of your collection executive (Mr. Jegan) went to my native place(Vellore) & he informed to my father, your son is using credit card he is not paying money regularly, so ask him to pay the money otherwise the action will be very severe. Because of this one reason, relationship with my father is spoiled and he shouted and don't want me to come his home. Eventhough they know very well I was not available in that home that time, because my communication I had given in your records is Chennai address.
So immediately I pledge my wife jewel I paid the Rs.3000/- in chennai Nungambakkam branch. After that also I had received an SMS, stating that your card is in over limit, to avoid updating your name in CIBIL to pay the minimum amount Rs.1975(Aprox), so I made the payment of Rs.2000/- in Vellore branch.
After that I had received a call from your executive Ms.Jothy(Call from followed no:[protected], 66458500,[protected] on 7th Oct-2009, she immediately started shouting that what happen the amount you are suppose to pay the outstanding amount know, when you are going to pay? So I had replied to that madam Please give me some time because my daughter had admitted in hospital, surly I will pay the money, but she is not ready to listen. And she started saying that, if you are doing like this I will your wife & your native place contact no & disturb them. She did the same, within a few second she called my wife mobile no. she ask my wife, What madam(but actually she didn't use madam- shougted in local language)are you ashamed of your husband? like that, because of this reason my wife stop speaking to me. HDFC Credit Card is given So many changes in my life. But it is not stopped again on 08th Oct-2009 again the same executive called me & started shouting that today I am going to send some collection executive to your native place. I don't know what to do, I am helpless.
Requesting you to help me for my card closure, please I am begging you to waiver off the charges & tell me the final settlement amount. Otherwise waiver off the charges in that I would like to go for EMI (with the genuine interest). Last six month onwards I am enquiring with your customer care regarding the EMI, please convert my outstanding amount into Loan, but I didn't get any revert, so sir we can't provide this offer to you. Whatever the money I purchased I paid more or less equal. Please help me to save my life & live with my family members. Please...Please...

Thanking you

Yours Sincerely
K.Padmanaban
Chennai-600034, Cell : [protected]

please send me any creditcard or bank loan in my name.

Take legal advice on this immediately. Few are offering free legal advice on this matter.

how can i find my name in CIBIL or satyam online credit card defaulters list .Can any body help me.

Thanks

Ajay

How can I file a lawsuit against HDFC Bank for Harassment?

I have submitted proof of divorce to them over 5 months ago but they are still harassing me with threatening calls for my ex-wife.

As per RBI regulation, you can ask SBI to give you a copy of your CIBIL report if they are rejecting your card request based upon CIBIL report. This right is given to you by the Government and SBI cannot turn down your request. The CIBIL report will tell you which bank has written off this amount and you will come to know about this from the report. Writing to CIBIL will not get you any help because they are not yet bound by law to give you a copy of your credit report (very soon they shall be because RBI is working on this). If SBI does not give you a copy of your credit report, write to the grievance redressal head of SBI (you can get their details on SBI site itself). It is very much required that you find out the name of the bank who has put a write off statement against your name because no bank will give you credit till this is removed.

Regards
Sudeep Sanyal

very much helpful

I use to own a HSBC credit card, I use to do regular credit card payment.
But One fine day HSBC stopped sending me the statement, despite og my so many request they never reacted properly, in NOv 2007 I told them I do not want to carry the card anymore Kindly send me the settlement amount as they have charged me unneccessarily intrest on it. I was told the amount which I am payable to bank is Rs, 10, 000/-, I was given the oprtion that 2500/- chq be issued fiest then balance which is 7500/p another chq payment, They never depoisted that chq, despite of my several reminders, to HSBC Noida, their call centre they never listened then one fine they called me and told that please do the stop payment of the chq, I told that kindly return my chq, because stop payment will be charged and in case they (HsBC) depoisted the chq and I dont have that much balance in my accont then chq would be dishonour and I will be ansewerable to the bank. They never returned the cheques THen in Oco 08 they told me to do the settlement I said fine Now I will give you one chq and I want the NO DUES Certificate also they said after the chq is credited in their account I will receive a o balance payment statement then they will issue me a No dues Certificate.
Now I got the NDC in Dec, but the problem is I applied for the car loan in SBI, they said that the CBIL report is negativ as they have wriitten the the legal fees is waived off.

Now I have no idea what to do, where to go, as its not my fault. The bank only gave me a amount and I agreed to pay that amount after paying also I am suffering.

Please help me out on this.

Rachna Sahni
Victim of HSBC credit card.

Dear Mam,

Its very simple, Cibil iwth attactment clouse . after that apply for any loan ok !

Due to the CBIL, banks are taking advantages and listing customers name to the CBIL without informing anout the outstanding.

Hi
This is kailash and holder of icici credit card due to some reason i have to do stellement of my due
where as i have not use more than 10 thousand from my card and inthe last april i done setelment and for 17 thousand in 3 instalement in which i was notto able pay the last cheque and itwas bounce .but now again icici is foresing me to pay 16 thousnd where it is not afforable to me in the current conditions .s o reply what should i do in this conditions where i am telling the bank that i am ready to pay the amount 5000 which was balance .so pls relpy tome asap

I was holding AMEX corporate card. Card has been given to one of my team member to use during this foreign travel. We were not able make the outstanding amount on the card as he returned to india only after the due date. I have not received any statement from AMEX about outstanding. We have a process of claiming travel expenses and getting credit to employee account. It took min 3 weeks to credit to employees account. the total outstanding has been paid off in next due cycle. So, AMEX team has charged Late payment charges once for not paying on time & second time for not paying late payment charges. All these transaction has been done in 2007 June. Actually, the problem / delay has not happened because o[censored]s. Now i am requesting our HR to request for reversal of this amount. So, i am feeling this should have gone to CBIL. because of which i am not getting any credit cards / loans. Please advice us how to get confirmation on whether it's gone to CBIL or not? if yes, what's the way to get remove from CBIL history.

Dear Kailash,

First of all kindly note that in every cases of SETTLEMENT ; in a prima facie, Banks use to incur a huge financial loss and thats what as per the guidelines they reserve the right to refer your card details to the negative database/regulators such as CIBIL which appears as " WRITTEN OFF ".

Secondly If at all you have gone for settlement, To avail this benifit too there is a particular fixed terms as mentioned below :

IN THE EVENT OF ANY INSTRUMENT ISSUED BY YOU TOWARDS THE DUES RETURNED BY YOUR BANKER UNPAID BY ANY REASON, THE OFFERED STRUCTURED PAYMENT OPTION WILL STAND NULL and VOID.

On this kind of event Bank will be entitled to demand/claim for the original amount as reflected in your credit card statement.For your information this kind of structured payment offer always have a base of special circumstances surrounding your card account and does not set any precedent.

So in order to give you a better advise, it is quite suggested to contact ICICI BANK for the better resolution.

Regards
K Rajneesh
Head
INDIAN CONSULTANT GROUP
( Expert in Banking Disputes & Grievances )
Email : [protected]@indianconsultantgroup.com
visit us : www.indianconsultantgroup.com

I am using ICICI Amex card, and i was having some outstanding amount due to some reasons. Due to some reasons my name is added to CBIL. Now i have paid complete amount, can someone give some idea how my name cane be removed from the CBIL report.

Regards
Uday.

sir,

I am resident of Hyderaad, having icici credit card since 2006, in the year 2008 september 27 i received a message to my phone stating that i made transaction with vodafone mumbai immideatly i made a call to ICICI customer care they told that there are 4 transaction with vodafore for Rs. 6, 000-00 and reported the complaint for the 4 transaction and immideatly blocked my card, they instruced for sending fax to mumbai office for taking necessary action on the transaction and when i receied my credit card statement i came to know that there are transaction at mumbai at ADLABS and VODAFONE for Rs. 28000-00 immideatly again i called care center reported the same, after that i made complaints through online also but I never received any action from them.. but they are adding the interest and send the statemens to me regurally.. i had made minmum balance 2 times, after that in the month of february 2009 on person form ICICI Bank, by name Raju, had came called me and ICICI bank going to settling you account for Rs. 18, 000/- so please pay 10, 000/- for that I asked the settlement letter for the same for that they told that settlement letter will be given to me after paying the 10, 000/- beling the GREAT ICICI Bank I made the payment of Rs.10, 000/- on[protected], after that I made so may calls tothat executive but he never responded my calls, once he responded and stated that concerned lady in the department was in leave and he will give it in one day.. after one day called him again and requested for the same again he never responded for my report, vexed with their attitude I apporched the Credit Control Branch at Nampali, Hyderabad they told to approach Bagumpet Branch when I went their they told that u will receive a call soon but no body is anot taking care of my problem.

but I am receiving calls from ICICI bank people stating that i need to pay monies to them actuall my out staning balance to ICICI Bank is only 10, 000+1200+560+500+ on insurance policy.


in this junsture I requesting ICICI people to settle my account for that also they are not responding in a proper way


so please advise me what i need to do

Dear Sir,

My name is vivek n ansurkar
I have cleard all my dues with ABN AMRO Bank credit card.
please look into the matter urgently and kindly remove my name from the default list I hope you will oblige my request and do the needful at the earleist & inform me ASAP.

I will appreciate a line from you.

Regards,
vna

Dear Sir
I had taken a home loan from ICICI bank in Feb 2005 to purchase a flat in Bhubaneswar from a builder.The bank sanctioned 11.0lakhs of Rupees.But in 2006 I had gone through financial crises and unable to pay the pre EMI . So I had surrendered the flat to builder and builder made a agreement to cancel the possession letter, repay the outstanding amount to bank, and will resell the property.But unfurtunately the builder did not repay the money to bank.Instead he had been depositing EMI regularly till March 2009 and the same flat had sold at Rs.28.0Lakhs to a person.The total amount was refinanced by same ICICI bank withiut closing my existing loan.In April 2009 I have applied a personal loan in Axis Bank and they have refused to sanction a P.L. Because my name is entered in cibil.Earlier Axis Bank had given me Rs.1.25 Lakhs and Rs.0.55Lakh as top up.So I just cant under stand how it is possible. Please advice me.

my control no 39, 82, 12, 095

plz send the my loans / credit card details

I have applied for home Loan through Sundrama Finance ..but my application was returned due to information given by CBIL that is written off by Some un disclosed Bank/Credit card issuer.I requested them to provide proper details which they do not have. I am regular paymaster to all my CC payment without any defaults. Pl adv any one that how to approach CBIL to know this details to correct my self if i am due to any bank and also all the previous loans are closed, but show outstanding balance


plz provide full details


my control no 39, 82, 12, 095

Some one has misused my name as garantor for personal loan, and I need to know how do I get the list of loans against which I have been made as a garontor

i want to know about my cbil report, can you help me? what details would you require?
please guide

Please note i have closed some of my credit cards and personel loan 3 years back.
But still it shows some pending. I hereby request you to update.

I have come across lots of instances where, banks have reported credit card customer to cbil. And most of the customers were genuine. No one will pay, wrong charges. And this kind of reports must be verified, before innocent people are reported.
We have to remember only one thing that nobody is 100% right.

I have opened a OD facility account from ABN Amro bank, and I never use that account, at the time of opening that account it was told me that no charges will be there. Now I have applied for a personal loan with HDFC Bank and banker says that you have been listed at CIBIL for defalter case, and the application has been rejected.
Now HDFC bank is not able to provide the details and hence I am not able to do any thing. please suggest what should i do.
Regards
Radhey

Dear Mr. Pandey,

First of all you should ask HDFC for the CONTROL no. of the said CIBIL report based on which your proposal was rejected.

After this you kindly mark a mail to [protected]@cibil.com along with the CONTROL no.You will be able to know about the default in clear within 2-3 working days.

Simultenously if at all this ( DEFAULT ) is due to the ABN AMRO BANK information...Better resolve it with ABN.

Kindly note that CIBIL is a organisation which has come into existence by the joint effort of the government of India and the RBI ; with the idea to gather all existing consumer and commercial credit information and pool it in a one-point source, for reference.


CIBIL acts as weeding mechanism that helps identify repayment track records of the customer. It helps protect lenders from giving credit to people and establishments who are unlikely to repay what is lent. Even if credit is provided, it is done so at a very high rate of interest, thereby ensuring that the bank is able to recover a considerable sum of money even if a default happens some time into the loan tenure.

On the other hand, on the availability of an impeccable repayment track record, one can reap benefits from it too.Banks provide a lower interest rate for sound credit profiles that have excellent credit scores.It also helps lenders and banks quickly process a loan, without wasting valuable time on research and background check on the loan applicant.

CIBIL provides only those information which are being shared by its members ( Presently banks, financial institutions, state financial corporations, non-banking financial companies, housing finance companies and credit card companies are members of CIBIL) about any customer on its report.

Please do note that if and when there are any grievances, the individual needs to resolve it with the concerned Bank or may write to the Customer Service Department of the concerned bank and after resolving the matter, the Bank informs CIBIL to take the necessary action.

CIBIL cannot modify any information in the database without the concerned member confirming the same.

Later on you should ask your Bank to send the updated data to CIBIL and subsequently CIBIL will upload the same onto its database. The changes will then get reflected on your Credit Report.

I feel the query is clearly clarified.

You may write me for any further clarification.

Regards
Kumar Rajneesh
Head
INDIAN CONSULTANT GROUP
Finance & IT Consultant
( Specialisation in Banking Disputes & Grievances )
Email : [protected]@indianconsultantgroup.com
visit us : www.indianconsultantgroup.com

hi sir/madam,
i use to use the icici credit card and i had the due amt of approximately Rs.40000. i was unable to pay the amt due to circumstances, finally i was being offered the settlement which i agreed to and completed the settlement at Rs.22000 in the month of october 2007. and unfortunately the bank did not updated the pymnt and as result today none of the bank are approving my credit card.
i also got in touch with the icici abank and resolved the issue and finallly they have zerovised my a/c
but still i am unable to get the Credit card from any bank. please help me and find me a way to get rid of this issue. more over the bank which i applied the credit card send me an E-mail stating due to the creteria & reports from CIBIL we are unable to process the application. while ICICI says they had not send the reports to CIBIL. So basically i am confused as to what to be done.
pls find me a way to get rid of this issue and pls do the need full as soon as possible.

Sir

I paid my EMI for ICICI personal loan due to some unfortunate curcumstances i was not able to pay the amnt since 5 months were s i am willing to do that but i dont have any idea were i can pay. previous what exactly happened I paid the amnt via my salarid a/c. I left the company so my salary a/c is no longer valid in this situation what can i do no. its not like i dont want to pay but i want to know how can i pay that amnt. Infact i want to settel this matter..

Hi Kumar,

By great effort I have received to the CIBIL report, could you please help me to understand CIBIL report


Ex
ACCOUNT DATES AMOUNTS STATUS
MEMBER NAME: NOT DISCLOSED
ACCOUNT NUMBER: NOT
DISCLOSED
TYPE: CREDIT CARD
OPENED:[protected]
LAST PAYMENT:[protected]
CLOSED:[protected]
REPORTED:[protected]
HIGH CREDIT: 20, 166
CURRENT BALANCE: 0
OVERDUE:
WRITTEN OFF


-Manjunath

There is no site to check the cbil .

You can order your Credit payment Report from CBIL. The URL is given here http://www.cibil.com/accesscredit.htm.
Please check your credit payment report to ensure that the information is correct if not then take the necessary corrective steps. It is important to keep your credit record clean. The best practice is get your report every year.

Pls help me out from this situation:

I am having SBI credit card which is having out dues of Rs. 32, 000/-. I am monthly due timely except sometimes together for 2 months, last month i had a due of 2 months and executive came to home for collection of money, i asked him about EMI and he said he can arrange for that but i have to pay him Rs. 2000. I agreed and he gave me a letter from SBI which stated to have pay the amount of Rs. 22, 000/- into 4 instalments and brought Rs. 2000/-. Even at the time of receiving letter, i used to talk to his senior and he was also said it is "OK". In the evening, i called the SBI Customer Care and asked about the letter, they said this is the settlement letter and my name will go to CIBIL. I have been great shocked because i asked again and again to that executive that i jst my outstanding amount into EMI rather to get it settlement. So one day another executive came and i told him everything he said to me to make the 3 months payment and he will try to get my letter cancelled. So i gave him a cheque of 3 months dues on before 2 weeks of the cheque date i.e. 15.10.09. He deliever the receipt at my home jst one day before and leave the mess that "It will not be possible now".

Due to business n office n diwali festival i could not deposit money into Bank and the cheque was returned. Sir, now my question is how can i come out from the situation becuase i need a HOME LOAN so i never be shown bad record in CIBIL infact i wont to get my records negative. thanx in advance.

sir
i have taken citi bank credit card my balance due is 32500/- the market executive is settlement is 25000/- so i have paid that much of amount. now i apply home loan idibi bank so bank was taken cbil statement in my defualt cbil is showing 146000/- dues sir
what is sir what can i do sir please help me
sir
s devi prasad

Dear Sir,

I have request to you that, pl. give the suggestion, In 2005 i had a credit card of ABN AMRO bank, after sattelment form their branch office (KOLKATA). again they was creating new outstanding fro their Delhi offic, and they asked the payment.When i told their person for sending the doc. proof, they are not sending,

Pl. give me the suggestion.

Arabinda Maji.

Citibank — FRADULANTLY DEBITING MY SAVING ACCOUNT

Respected Sir,



My name is Kulshresth Rawal and I am a recent victim of the Credit Card fraud. As per customer service of Citibank credit card division, I was issued a credit card in August 2007 with number [protected]. However I never received this card. I have also never received any statement for this Credit Card on my mailing address.



Since August 2007 there was no contact done by the Credit card division people with me. As I have never applied for the Credit Card, so I was not knowing that a card has been issued in my name. Then all of a sudden two months back I got a call from a collection agency stating that i have a total due balance of Rs. 35000 on my Credit Card.I tried calling the Collections number given to me and talked to one of your collection representatives.



He told me that there was a shopping done by an Add on card which was issued to me. As I have not applied and not received any card I told them to block the cards immediately. The card was blocked on my request. When I told them that i never received any card, they told me that they have created a dispute and the investigation is going on. I relied on them and waited for the investigation to get over. When I don't got any call regarding the dispute on my account, i again called after 14 days.



They told me that still investigation is going on and I need not require to panic about it. I again got consoled and waited patiently for a result. Then all of a sudden on June 30, 2008, Citibank automatically deducted Rs.14133 from salary account in Citibank for the Credit Card due balance.



I contacted once again to the same people and they told me that you have a due balance of Rs. 48967 and I am bound to pay this. I told them that a dispute is going on my account and to check its progress. They didn't gave any information about it and asked me to contact the Credit Card division once again.



I visited e Serve office in Mohan cooperative Estate to get this issue resolved. There I met Puneet Sharma who was handling my case. He told me that a card was issued in my name and I am required to pay that amount. I asked him him produce the POD for the credit card delivery and he was not able to answer the same. How can such an important thing be delivered to someone without any authentication ??



When I insisted about the details and the fraud done on the Card, he told me to settle my account by paying Rs. 6000. Is it justifiable to pay such a big amount for no fault of mine??



I also have the call recordings of the talks I had with the collection agents and Mr. Puneet Sharma.



I am now being mentally tortured by your collection people for the due balance. I was required to pay the fees for my MBA papers and I was not able to do so as you deducted amount from account without any authorization. I am going through a very rough time and could not find any way out. Who will compensate for all this agony through which I have gone through.



And to better it off, now Mr. Punet Sharma is not picking up my call. He is avoiding me as I am his slave. Is this the kind of service we expect from such a large financial institution??



I always trusted Citibank and have my salary account in Citibank for last 3 years. But the way i have been treated in the past few days has changed my mind.



At this moment I do not find any way but to move to consumer court to get justice. I have enough evidence to prove my innocence and your carelessness. But before I move I thought of informing you about the incident.



So please help in getting out of this problem ASAP and refund my money which was unauthorisedly deducted from my account. Also I require a detailed investigation of this fraud done on the card In my name.



I am not asking anything extra for the stress and frustration given by you. I am only demanding my right and my hard earned money .



I hope that you will look into this matter seriously and get this issue resolved. If you need any kind of cooperation regarding the details of the incident you can contact me n my mobile no. [protected] or my email ID : [protected]@yahoo.com



In hope of getting justice, I now sign off. Looking forward for your reply.



Yours sincerely

Kulshresth Rawal

pls send mail id of customer service for citibank credit card.

awaiting your valuable reply

Hi,
Did you get any response from Citibank for this ?
I also have a similar case for them but am wondering how to go about it and get my money back.

I am a credit card holder for Citibank. On 21st of Nov 2012 I received two messages in the morning around 07:15 AM and 07:19 AM about the two transactions that happened on my card amounting $700 and $900 which I did not do. I called Citibank immediately to inform regarding the same but they refused to take any action by saying that there is nothing that they could do till the transactions are claimed by merchant except blocking the card. I told them repeatedly as it was a fraud transaction and I did not do it they should block it.

I also sent them the dispute declaration form as requested by them on 22nd Nov 2012 but no action was taken. On 24th Nov the transaction was claimed by the merchant but still they did not take any action. On 25th Nov when they received a complaint from the National Consumer Helpline they registered my complaint and gave me a temporary credit and informed that the investigation would take around 60-180 days to finish after which they would take the decision that the transactions are fraud or not. I am completely at their mercy regarding the same. I have also filed a complaint regarding the same with Economic Offences Wing at Mandir Marg police station but no action was taken and after a month received a letter from them that they have forwarded my complaint to the local police station.

I am completely stuck and not sure what to do regarding the same. Where should I approach to get my money back.

Please advise. My Phone number is [protected]

Dear sir
as i told you erlier in my complaint dated 29thand 30th june that HDFC Bank Recover Taem calling me and at my home and using abusive language... today i got a call from [protected] named Dharamveer Tyagi Using abusive language. last time i had called him came to me and collect the payment but he had not come to me and inspite of coming to me they are calling me and at my home also and threaten of life to every one in my family. when i had told them i don't have money to pay in one shot plz take it in EMIs then he told me "they will kill me when i go to them." here i am mention that numbers from which i had got calls no's are [protected], [protected], [protected], [protected].
I am ready to lodge an FIR in the nearest police station in name of R.K Chaudhary, Saurabh, Vishasl, kishan Walia and others who are handling my case and file against the bank with Human Rights

Hi

i am facing this same problm. what can we do agnst them.

This has reference to My Credit Card No. [protected], [protected], These Cards are not received, 21 days after receiving of pin code I contact to customer care for enquiry of my credit card, they inform me that card is delivered, I said them to block this card and send me new one, but after 25 days I again contact to customer care for enquiry of new card, again card is delivered to some one other, finally I have decided to block the new one and not to send card further. In between some purchasing done by the fraud receiver.

Please help me to settle this matter and confirm delivery of credit card.

Dear sir,
my application form no : 'G'[protected] still now i didn't received the card please call me and issuse the card

regards,
valli lalitha
[protected]

I have applied for barkleys credit card many months ago, till date I have not received the same. Kindly arrange to despatch the same as I have already received 4 digit PIN Number at my residential address on 11.2.08.Please see that if you can forward the same still now, note my office address in Mumbai: Controller of Stores Office, 1st Floor, New Administrative Building, Central Railway, CST Mumbai-400 001.

Dear Sir,


You have informed me that my credit card issued by u is is blocked. The credit card is not recieved at my end so question o[censored]se of credit card and blocking does not arise. Kindly arrnge to send new credit card.
Credit card Account No XXXX XXXXX XXXX 0008

Thanking you,

I did apply for HDFC credit card on 30.07.09. The application was received from me.

I received SMS stating that, the cerdit card will be delivered within 3 weeks time.

But then tillnow i have not received the same.

The reference no. is [protected].

Please confirm if this card will be sent or not.

Dear Sir/madam

i hvare not recieved my credit card though i have recieve SMS from bank that tha card has been despached from your side. this not first time that i am getteing harrasement. why such wiil happen please let me know, otherwise i have to close my account from thaq bank go for the better one coz i am one of the founder member of the your Gangtok Center.

For your kind reference please-

Permanent Address

Tek Nath Sharma
Bermiok 13th Mile
P.O. - Bermiok Bazar
P.S. Kaluk
District - West Sikkim, Gyalzing
Sikkim, India. Pin. 737111


Official Address

Tek Nath Sharma
General Secretary, SDF
SDF Bhawan
Indira Bypass, Tadong-737102, Gangtok
East Sikkim, Sikkim
contact- [protected].
India.


Regards
T. N Sharma
Gangtok Sikkim

blue dart faridabad — credit card not delivered

blue dart not delivering my courier at given time even his delivery man not come to my address and he said i m return to your address 4 times. and i m conforming time with hdfc customer care but still i m not receving my card. this happen 2 time my time westing.pls help me

the sms sent to me that my card was sent by blue dart curier no. AWB # [protected] on dated 14/07/2012.on my office adress at G-102 ,sector-9
1st floor noida.the delivery man comes one time on dated 17/07/2012 & 18/07/2012 1st time.after telephonic communication he says that he will come
again after half a hour.but he do,not come upto to 4 hour,s.in my absence he came and go away without any message.so,please check i doubt that
probably he is doing any unlegal action from the card or not any delivering responsbility.please my any document not sent by blue durt. their office
bearer/delivery man are very unresponsable they can not call or delivery timely.it is my many a times experience.they say,s in returning the paper
not my any loss.in realy they not in loss.

Sanjay Trade Corporation — Citi Credit Cards Status

Dear Sir,

I (Dinesh More) applied your C.C Application no. [protected]

Till date I not received Credit Cards.

Please revert.

Kind Regards,
Dinesh ([protected])

ABN AMRO Credit Card — REGADING COPLENT OF SETTELEMENT DEPARTMENT

I AM HANDLING ABN AMRO CREDIT CARD NO [protected]. IN THE MONTH OF OCT I TALK TO MR. SHIVRATAN WHO IS ABN AMRO CR CARD EXECUTIVE OF NOIDA AND MR. KISHORE BADAPATRE WHO IS EXCECUTIVE OF NAGPUR BRANCH FOR SETTELEMENT AT THAT TIME MY DEBIT BALANCE AMT IS NEAR ABT 16000.00 IN WHICH MUCH MORE PENALTYS AND SO MANY CHARGES ARE DEBITED SO I REQUEST THEM TO SETTELED MY ACCOUNT . AS PER TELEPHONIC TALK WITH BOTH THESE PERSON THEY AGREE TO SETTELED MY ACCOUNT IN RS.9000.00 FOR THAT I PAY RS 1000 ON DT 28/10/07 SLIP NO 29754, PAY RS 700 ON DT 21/11/07 SLIP NO. 30757 AND ALSO A CHQ OF RS 7300 IS GIVEN CHQ NO 052559 BANK STANDARD CHARTERED DT 21/11/07 WHICH IS ALSO CLEAR TOTAL AMT 9000 RS I PAY AFTER THAT I CONTINOUSLY TALK WITH BOTH THE PERSON BUT TILL DATE THEY DONT GIVE ME SETTELMENT LETTER AFTER 6 MONTHS MEANS TODAY AGAIN A CALL RECD FROM ABN AMRO DEPARTMENT AND LEGAL DEPARTMENT AND THEY TALK ME WITH ME WITH A VERY BAD TONE. PLEASE THINK IN NORMAL MAN POINT OF VIEW WHAT IS MY FAULT. AS I ALLREADY SETTELED MY ACCOUNT BUT STILL THEY TOLD ME THAT THEY FETCHED ME IN COURT . PLEASE TRY UNDERSTAND MY PROBLEM AND PLEASE HELP ME I AM A NORMAL MAN.

ABN AMRO Credit Card — REGARDING AFTER SETTELMENT ALSO DEBIT IN AC AND CONTINOUSLY MENTALLY HARRASMENT

I AM HANDLING ABN AMRO CREDIT CARD NO [protected]. IN THE MONTH OF OCT I TALK TO MR. SHIVRATAN WHO IS ABN AMRO CR CARD EXECUTIVE OF NOIDA AND MR. KISHORE BADAPATRE WHO IS EXCECUTIVE OF NAGPUR BRANCH FOR SETTELEMENT AT THAT TIME MY DEBIT BALANCE AMT IS NEAR ABT 16000.00 IN WHICH MUCH MORE PENALTYS AND SO MANY CHARGES ARE DEBITED SO I REQUEST THEM TO SETTELED MY ACCOUNT . AS PER TELEPHONIC TALK WITH BOTH THESE PERSON THEY AGREE TO SETTELED MY ACCOUNT IN RS.9000.00 FOR THAT I PAY RS 1000 ON DT 28/10/07 SLIP NO 29754, PAY RS 700 ON DT 21/11/07 SLIP NO. 30757 AND ALSO A CHQ OF RS 7300 IS GIVEN CHQ NO 052559 BANK STANDARD CHARTERED DT 21/11/07 WHICH IS ALSO CLEAR TOTAL AMT 9000 RS I PAY AFTER THAT I CONTINOUSLY TALK WITH BOTH THE PERSON BUT TILL DATE THEY DONT GIVE ME SETTELMENT LETTER AFTER 6 MONTHS MEANS TODAY AGAIN A CALL RECD FROM ABN AMRO DEPARTMENT AND LEGAL DEPARTMENT AND THEY TALK ME WITH ME WITH A VERY BAD TONE.THEY TOLD THAT YOUR AC HAVING DR AND YOUR AC IS NOT SETTELED IN PAST . PLEASE THINK IN NORMAL MAN POINT OF VIEW WHAT IS MY FAULT. AS I ALLREADY SETTELED MY ACCOUNT BUT STILL THEY TOLD ME THAT THEY FETCHED ME IN COURT . PLEASE TRY UNDERSTAND MY PROBLEM AND PLEASE HELP ME I AM A NORMAL MAN.

ICICI - CREDIT CARD DIVISION — FALSE VERIFICATION , REMOVE MY NAME FROM CIBIL LIST

tHIS THE COMPLAINT WHICH I HAVE FORWADED TO SACHIN KHANDELWAL

ICICI CARD WAS REJECTED SAYING THAT ASHISH IS A DEFAUTLER IN MY FAMILY FOR RS 6360, NO BODY IS THERE IN MY FAMILY BY THE NAME OF ASHISH, AND NO BODY HOLDS A CREDIT CARD

PLEASE TAKE THE ACTION

Dear Sachin Khandelwal,

MY SAVING BANK ACCOUNT NO IS[protected], MY AVERAGE MONTHLY INCOME IS 50000, I APPLIED FOR A CREDIT CARD, WHERE AS THE APPLICATION WAS REJECTED SAYING THAT SOME ASHISH IS DEFAUTLER IN MY FAMILY FOR RS 6360,
WHERE AS THERE IS NOBODY IN MY FAMILY BY THE NAME OF ASHISH, NO BODY IN FAMILY HOLDS A CREDITCARD .
A BANK LIKE ICICI SHOLD BE ASHAMED OF DOING SUCH DEGRADED ACT ON THE NAME OF VERIFICATION .
HOW CAN ICICI BANK PUT ME INTO CIBIL LIST FOR A FALSE AND FABRICATED
VERIFICATION .
IF NOT RESOLVED SOON I WILL TAKE CREDIT CARD DIVISION TO COURT TO REMOVE MY NAME FROM CIBIL LIST AND COMPENSATE ME FOR IMAGE DAMAGE

I AM HANDLING ABN AMRO CREDIT CARD NO [protected]
IN THE MONTH OF JULY I TALK TO MR. MOHIT AGRAWAL ABN AMRO CR CARD EXECUTIVE OF NOIDA - FOR SETTELEMENT AT THAT TIME MY DEBIT BALANCE AMT IS NEAR ABT 41746.00 IN WHICH MUCH MORE PENALTYS AND SO MANY CHARGES ARE DEBITED SO I REQUEST HIM TO SETTELED MY ACCOUNT . AS PER TELEPHONIC TALK WITH THE PERSON THEY AGREE TO SETTELED MY ACCOUNT IN RS.22000.00 FOR THAT I PAY RS 22000 ON DT 28/11/07 SLIP NO 7792, PAY RS 17000 BY CASH AND 5000 BY CHEQ. OF HDFC BANK DR IN DEC.06 = TOTAL SETTELENT AMT. 22000

BUT THAT TIME THE ABN AMRO BANK DONT GIVE ME NOC LETTER BUT NOW I WANT TO NOC LETTER AND I WANT TO PAY O/S. AMOUNT WHATEVER.

IN FUTURE I DONT WANT ANY HARASSEMENT.

SO PLEASE CONTACT TO ME (VIJAY S. JAIN MOB. NO.[protected]/[protected]) IMMIDIATELY

REGARDS
VIJAY JAIN

ABN AMRO Credit Card — Unfair trade practices carried out by the ABN Amro Credit cards Marketing Department

On 22-Aug I recd. a call from ABN Amro tele no.[protected] at 11.54am, then another from[protected] at 12.00 & 3rd one from[protected] at 12.07pm. On the first call they called up & told that whatever I'm talking with you & offering is being recorded for proof. Then he said I have 4500 reward points balance in my Account & they said they would like to give me an offer of a holiday scheme which cost Rs. 4, 500 & I can use my points against the same. I said I do not want the Holiday scheme. Then they said you can get yur points converted into cash which you can use against your any future purchases. For this you need to first register for this Holday scheme & when my verification department calls up just confirm your mothers Maiden name & date of Birth. Then in the even I will again call you & at that time you can opt & cancel the Holiday scheme & then you will get a Credit of Rs. 4, 500 in your account. I said ok. I thought that there was something fishy as I hardly use my ABN Amro Credit Card, how can so many points be accrued. Hence I called up the ABN Amro Credit Card Department & asked how much reward points do I have on my card & they said that just 18 or 28 points (I do not remember), then I told the full episode to the ABN Amro Credit Card Department & they appologized. I then told them to register myself for Do not Disturb & they did same & assured me that henceforth I will not get calls from the Marketing Depatment. Later I got the 2nd call from the verification department & they said for the Holiday offer give us your Date of Birt etc. & I said I do not want the offer. THen I got the 3rd call from the guy who had made the first call & told him that I enquired that I have only 18 points in my account, how come are you saying this. He said our data shows you have 4500 points. Then I told them do not pls ever call me up again.


Then again on 28-Aug, I got a series of Calls from the ABN Amro Marketing Department.

From Anil[protected] Called up at 11.59
Ruchika[protected] called up at 12.14 -
Surya[protected] Called up at 12.59

These calls were for Increase in Credit Limit - They told we have an offer for you for increase in credit limit on your Card. You just need to confirm your Date of Birth & Mothers maiden name. I said I do not want the offer.I again found something fishy as I have a lot of credit cards & for increase in credit limits, they straight away send a letter that your credit limit has been increased. Never do you need to verify the Date of Birth & Mothers maiden name.
Then got a Second call & after that 3rd call saying that they have an offer for increase in the credit limit etc. I rejected their offer.

Tired of suchs calls, I called up ABN Amro & spoke with Ansh on 28-Aug at 1.45pm - Explained him in details & he said sorry & said that will put a message that the Marketing Dept. will not call up again. Then told want to talk with your seniors. He said after putting on a long hold that the head of Marketing Department will call up. I asked when & he said in 3 to 4 days. I said thats not acceptable & then he said within 24 hours someone wil call up.

Then I got to know from one of my staff members in my office that he too was a sufferer of the same & he had given his Date of Birth & Mothers maiden name & was charged Rs. 4, 500 for the offer. Then after a lot of calls & trauma which ended after 3 months got the same waived off.

I just hope that no one else too falls in their trap of Blatant Lie & suffers.

Banks get a credit report from CIBIL based on which they accept / reject your applications.
Since your car loan has been rejected by SBI, you can ask them the reason for rejection. When they specify the reason (as you have mentined it above) tell them that you dont believe that this is true and insist on a proof of this.
As per the RBI rules, a customer has complete rights to know the reason for any action taken by the bank pertainng to the customer. Speak to the banker and ask for your credit report. You will have the necessary details in that.

Also note, CIBIL issues credit reports only to banks and financial institutes and not to any individuals directly. This would be the best method to get your credit report.

Sir,

I have cleared my status in all banks, but still my pan card is in CBIL please remove it from there... My card number is AEIPN8145B

ABN AMRO Credit Card — continous mental harassement

Dear Sir,
My name is VAIBHAV CHAUHAN, I hve an abn amro freedom CREDIT card ([protected]). i had submitted my complaint twice before on this site about the finance charges, the abn amro people are harassing me a lot by calling continously & asking for payment which i had mentioned before in my letter to u that i donotowe anything to them, it seems that after coming to know that i have made complaint here they have started to harass me more & more, pls help me out in this asap, as it is getting unbeareable for me .

Hi,
I have not been receiving any statements/bills for my card since months. The collection agency has been calling at my residence and asking me to pay the due amount of Rs. 2000 every month. I have been regularly paying that amount. However I recently got a call that my outstanding was Rs.74000.00 . They said the intrest got accumulated since you have been not paying the full amount. I am in a soup for no fault of mine. I told the agency to submit me the remaining statements. They say they are not in the position to do so. Please help.

dear sir,

I m amit sharma S/o Shanti dev sharma sutited at 11, varsha vihar Jhot wara, jaipur my date of birth is 14 Aug. 1981 and my PAN NO. is ANUPS6949R. as per cbil report you are showing BL Loan amount 8 lac as a Garunter but i have naver given any gaurnty any bank so please provide my detail of bank name so that i cleer my problems with my cibil report. i hope you you send me detail as soon as posibble.

thnking you

amit sharma

Please note that presently self was rejected home loan from IDBI & hdfc on the ground that I have some pending credit card payment as revealed from RBI list based on CBIL report.

In these circumstances I would request to kindly advise what steps has to be taken to clear all dues & get my name removed from this RBI list.

ABN Amro — Balance debited

I did try to draw Rs5000 from my ABN Amro debit card in some banks today, but it showed as unable process ur request.After that i tried to draw from HDFC, it also showed the same as 'unable to process ur request'. So i left the ATM with mt Card. After few mins i got mobile alert as Rs5000 was debited from from ur A/C. I dont know what to do.

Dear Sir/ Madam,

With reference to the above subject following

ICICI Bank had deducted the amount of Rs. 28806 from my saving account number [protected] for the pending payment of credit card number 5177 XXXX XXXX 5008.

The credit card No. 5177 XXXX XXXX 5008 is never applied by me. The concerned offices refused to provide the related document to me to prove that the credit card belongs to me.

Mails send to ICICI customer care and headservicequality ICICI also not responding. 11 reminder mails and several communication send to the bank.

Kindly help to get my hard earned money from ICICI bank.

Regards
Pankaj Kumar

I have contacted ICICI, ABN AMRO &HSBC banks for settlement against my credit card .ICICI and ABN AMRO agreed to settle my dues. But HSBC suggesting that the settlement procedure has stopped for their bank.

In these circumstances I would request to kindly advise what steps has to be taken by me regarding this.

HI,

I have applied for few credit cards and they were being rejected. After some research I found out that all the banks are using CBIL system to get teh credit history of the applicant.
Then I verifierd all my earlier credit cards whcih are closed now and then found that Standard charted bank has put me as a defaulter and I contacted them and then agrred on a settlement which I belive was injust.

Anyways, I made the payment in August 2008 and they mentioned that my name will be removed from the defaulters list.
Few days back I applied another credit card (HDFC) and it again got rejected. Now I am not sure what is happeing and what as I an idividual I need to do. There is no way they tell us teh reason adn also CBIL doen't provide credit hostory report so I can correct if anything wrong in my history.
This is really a very big issues as I will not get any loans in future as something is not right in CBIL system and I even don't know what it is.
Can you please susggest what steps should I take going forward.

Thanks,
Gaurav

sir, i m having cradit card of HSBC & CITY BANK AUTO CARD BITH CARD R 1 & HALF YEARS OLD both card statements r not getting on time & late payments charges has charge to me . pls hale me in thins matter . i allready paid all due of both cradit card but i have fight with them to get my late payments bcz i found some time bank send statement by post & when we contct to coustmer care thay told ur state return du to wrong address .


so pls help me where i will complain about this

I hold ICICI Bank Credit Card. I had told for settlement since november 2008. I received a call in December 2008. The person calling from Mumbai branch told me to make an immediate payment of Rs. 3500 against which he will issue a letter of settlement. Settlement was fixed at 10000 Rs. Since I was out of station I told them to debit the amount of Rs. 3500 from my account. But instead of that the debited 7400 from my account and made my account 0 balance. This is a fraud and I have all the evidences against this. After a month their executive visited my residence and told me to pay Rs. 3500 and next day itself he will get the settlement letter. I have still not got the letter from their end and I have been cheated. I am not gonna make any payment henceforth since I have paid all the dues as per settlement amount was decided. I have evidences with me. Please help me out through fruitful suggestions.

My Name is Manojbhai Mukundbhai Raval
My Citibank Credit Card No. is [protected]
I have made regular payment in last month but my cbil recode is not updated

god

I have a salary A/c with HDFC bank.Yesterday I learnt that my A/C has been kept on hold due to some credit card linkage of HDFC. I had this CC 4 yrs back.
History:
I had made a purchase of Rs.14000/- through this card.Immediatelt the next day I got a call from a telecaller stating that there is a promotional offer going on and I can convert this amount in EMIs for 6 months. I checked if there was any hidden charge she told me that since it was a promotional offer there was no hidden charge. I agreed with the offer. The first month when I received the statement it had processing fees and interest levied on it. I called up the call centre, they said it was a false commitment made by the telecaller. I said In that case I am not interested in the offer and asked to send a final statement reversing all the charges. She told I need to make the payment of the current statement and that would be adjusted in the next statement, I made the payment, in the second month also there was no changes made. I again called up the call centre, they said they were sorry for the inconvienence, that would reflect in the subsequent statement. I paid that amount as well. I received the third statement without any changes, I got furious and said if things does not happen next time I will not make any payment. Still I made the third payment. When the forth statement also did not have the request implemented, I stoped paying. Collection people had come to my house for the due amount. I told them to get a final statement with all adjustment and then I would clear the outstanding amount. They came a few days later with the outstanding amount which again carried interest and late payment charges. They suggested me that I could pay Rs.7000/- odd rupees and my account would be settled. I paid them In cash since I was leaving for Ahmedabad the same night as I was transferred. I thaught everything has been settled but surprisingly I am learning that I have a outstanding accumulated to Rs.35000/- odd after four years.
The bank has directly debited that amount from my salary account without any information. Does the bank has the right to debit credit card amount from savings account?? what steps can I take against the bank. please suggest.

Sir,

I have sattled with my ABN AMRO CREDIT CARD befor 1.5 year and also HSBC CREDIT CARD in Jan09 but still my pan card is in CBIL please remove it from there... My card number is AXMPS8016M
There is no balance in any bank

Hello,

i have applied for home loan from icici bank. from the bank i learned that CIBIL is showing that i hold 10 credit cards and there is some amount outstanding on the same. actually i have only 2 credit cards and there is no outstanding amount on it.
just wanted to check is there any consumer forum where i can claim my losses due to this false report from CIBIL. reason is i have already paid the booking amount to builder and due this CIBIL false report my loan is getting rejected. i am lossing my impression as well as time and money. i am also going through tremendous mental pressure.. please guide where i can claim the same...

Anup Shantalwar
[protected]

Hi,

I had applies for car loan and it was rejected on cbil report, as per my knowledge I don’t have credit balance on any credit in any of credit card.

Hello,

Sub: Credit card misused by ICICI

I have used ICICI Credit card Nov-2008 onwards
One time ICICI department called me and asked my credit card number for checking purpose.
Then they formed two policies as follows.
1) ICICI PRUDENIAL INSMUMBI IND
2) ICICI LOMBARD

I settled the entire amount for those policies.

1) ICICI LOMBARD

I made communication with ICICI LOMBARD, I received document from ICICI LOMBARD and settled the policy.

2) ICICI PRUDENIAL INSMUMBI IND
I didn’t order and without any conversion they made the policy.
But, they took money form credit card account, Rs.10034.00 towards CICI Prudential Life Ins, MUMBAI on November 27, 2008.

I communicated with ICICI Credit card department and ICICI PRUDENIAL INSMUMBI IND Department, so many times about this mode of transaction.

So many ways I tried to find the policy details last eight months, but they didn’t able to give the policy detail and mode of money transfer from credit card account to ICICI PRUDENIAL INSMUMBI IND.

Today[protected] I received a call from ICICI PRUDENIAL INSMUMBI IND regarding the issue and told me that you have policy and around Rs.3000 has pending. So for the policy process has missed.

I didn’t order ICICI PRUDENIAL policy and they took money for the policy.

I request you please get me justice and get back my money from ICICI Credit card department.
Please save me from ICICI Credit card illegal activities.
ICICI Credit card is not safe full department.

Thank you very much

Thanks & Regards
R.Baskar
[protected]

ICICI PRUDENTIAL INSMUMBI IND — ICICI Credit card illegal activities

Hello,

Sub: Credit card misused by ICICI

I have used ICICI Credit card Nov-2008 onwards
One time ICICI department called me and asked my credit card number for checking purpose.
Then they formed two policies as follows.
1) ICICI PRUDENIAL INSMUMBI IND
2) ICICI LOMBARD

I settled the entire amount for those policies.

1) ICICI LOMBARD

I made communication with ICICI LOMBARD, I received document from ICICI LOMBARD and settled the policy.

2) ICICI PRUDENIAL INSMUMBI IND
I didnt order and without any conversion they made the policy.
But, they took money form credit card account, Rs.10034.00 towards CICI Prudential Life Ins, MUMBAI on November 27, 2008.

I communicated with ICICI Credit card department and ICICI PRUDENIAL INSMUMBI IND Department, so many times about this mode of transaction.

So many ways I tried to find the policy details last eight months, but they didnt able to give the policy detail and mode of money transfer from credit card account to ICICI PRUDENIAL INSMUMBI IND.

Today[protected] I received a call from ICICI PRUDENIAL INSMUMBI IND regarding the issue and told me that you have policy and around Rs.3000 has pending. So for the policy process has missed.

I didn't order ICICI PRUDENIAL policy and they took money for the policy.

I request you please get me justice and get back my money from ICICI Credit card department.
Please save me from ICICI Credit card illegal activities.
ICICI Credit card is not safe full department.

Thank you very much

Thanks & Regards
R.Baskar
[protected]

Dear Sir,

I am Ashish Katiyar I have the credit card of ICICI Bank Card N0.[protected]
I had settlement of dues on credit card of ICICI Bank Card N0.[protected] dated 22/12/2006 confirm the acceptance of Rs.11500/ as full and final settlement on the above card account in one instalments by cash,
We had deposited the cash on same date ie 22/12/2006 against receipt N0. CC[protected] dated 22/12/2006.
Against this the bank issued a letter of settlement and a cash receipt.

Even though I have got several calls from ICICI Bank Delhi & Mumbai Offices

Now the banking members from delhi Mr. K D Sharma and other banking staff they are not taken this case as a settlement they are forcing me to go for another fresh settlement

In these circumstances I would request to kindly advise what steps has to be taken to clear all dues & get my name removed from this RBI list.

Dear Sir/Madam

Subject – Card No [protected]

Please refer to the legal notice No.15359 dated 9/11/08 received from you regarding captioned Credit Card.

I have to state as under:-

1. In the Month of november 9/11/ 2008 I received the legal notice from the HDFC BANK CREDIT CARD DIVISON regarding the outstanding dues of above-mentioned credit card.
2. After reading the notice I am surprised and shocked that there are outstanding dues of the credit card claimed from me, as I have never received the credit card. As I have not received the HDFC Credit card NO which has mentioned [protected] it was not used by me. Hence I totally deny the liability of the outstanding dues of the credit card.
3. After that I immediately called to there customer care number and narrated all facts to them. Customer Care executive told me to send all the facts in writing. Therefore I have sent fax dated 10/11/08 to customer care center in this regard.
4. The address to which Credit Card was dispatched is not my residential address.
5. On 6/2/09 I received telegram stating that you are going to file case under IPC 420 against me. I called on the phone number [protected] and [protected] mentioned in the telegram but I didn’t receive any satisfactory response.
6. I am receiving repeated phone calls from the HDFC bank with a threat to file case against me. This is harassment. I have never received credit card, which they have mentioned, and I never used that card. The Statement which HDFC CARD DIVISON OF MUMBAI is making that My wife has received that card, firstly that the address which has mentioned on that card is not mine and my wife has no concerened with that address as she is working in pune and the card which had delivered on the day 13/2/08 that time she was in pune.That means without Identifying the person Identity the HDFC credit card ([protected]) has been deliver to a unknown person this is a complete fraud.How can a proffessional bank like HDFC do that, as per the RBI guide lines a credit card cannot be deliver until and unless the applicant of that card holder is in front of you and you should also identify the proof of that card holder before delivering that card.

7. They may file a Police complaint to find out who received the credit card and used it. The take action against the culprit.
8. I have at called the HDFC BANK on the given number phone numbers [protected] mentioned by them and requested them to verify the evidence about who received the credit card and who used it.
9. HDFC Bank has handed over the credit card to somebody without verifying the Identity proof of my name. This act amount to negligence on their part.
10. I again say that I have never received any credit card, which they have mentioned. I have not used the given credit card therefore I am not liable to pay any dues regarding that credit card.
11. I here by requested them to file police compliant against person/s who have fraudulently received and used the credit card and not to harass me without proper evidence.

12. A copy to this letter has been endorsed to Reserve Bank of India.

13 I have also launch a complaint to pune commissioner office on 17/2/08

Thanking you
Yours truly,
( Sudeep Sule )

Copy, together with a copy each to the correspondence, forwarded for information and necessary action

To :

The Chief General Manager
Reserve Bank Of India
Dept of Banking Operation and Development
Central Office
Financial Services Division
World Trade Center
Cuff Parade, Colaba,
Mumbai –400005.

sub : sbi atm default /money not recicved but deduct the balance from my a/c no [protected]

sir
i ajeet kumar gupta having an salary a/c no [protected] on sbi naval base visakhapatnam was try to withdraw rs 2500 from my a/c through sbi atm malakapurm on 4th july 2009 around 0900 pm but due default of atm the money did not recived me but the balance was deducted from my a/c .

i have already given the complain about this but no response came till now not my money come back
so iam requesting you to get back my hard my rs 2500


ajeet kumar gupta
mobile no [protected] [protected]

sir
i Sanjay Tanaji Howal having a Credit Card of HSBC bearing No.[protected], sir I would like to draw you attention to the fact that I was ready to settle the account of my Credit Card, with in specific installment but to my surprise I use to get a threatening phone calls from HSBC. and Mr. Mihir Lodhiya collection Manager, Malad Branch and his MOB No. is [protected] saying that if i dont settele the amount within two day he will send his man to take my life, if he is going to take my life itis better to commit suicide he further said that you can go and complaint to any court or RBI but by hook or crook i will get the money from you.

I being a salaried person, how can I settle the account within two days. Further, I was stunned that without my knowledge the bank has renewed my card, I wish to ask you sir that whehther RBI has set any rules regarding renewing of the card without the assent of the customer.

Now sir you only advise me how can I go about this bank and whether I can expect any action against the bank from your end.

Please oblige by taking an immediate action.

Regards,

Sanjay T. Howal

Dear sirs,

My credit card no.[protected].

with reference to the above i had a persoanal talk had with Mr.Gopi and Mr.Suresh,
here i am requesting you to send the final settlement amount of Rs.200 which was confirmed
by you today i need a mail from your side for further proceds.(this amount is your banking charges
only not for my purchases)

execpting early reply by mail

thanking you

G.senthilnathan.

Sir,

I have cleared my status in VYSYA bank, but still my pan card is in CBIL please remove it from there... My card number is AIYPD6167F

Regards
Shiva
[protected]@gmail.com

Please help me,
My Icici credit card no is 4009.I paid all purchase bill on time but Icici lombard included
a policy in my credit card. I infromed by Email & discussed with Icici Customer care many time that I donot want this policy please dont pay any amount for this policy but they did not take any action regarding this complaint, he always replied me that we are looking this metter.
Now they are showing due bal. Rs. 14421/-
One day I received a call from Icici Bank he told me that if you paid Rs. 700/- than we
shall finalize this case. after some day I received second call from Icici legal Deptt.
Gurgaon he was threating me that if you paid Rs 2400/- than we shall finalize this case
otherwise Asper instructions of RBI & FINANCE MINISTRY, we shall take your house
hold goods in our custody OR punished by Bouncer.
This is only Black Mailing
Dear Sir/ Madam,
I am member of middle class family. I cannot pay this amount, I agreed this is
my mistake that I deal with ICICI, I shall never deal with ICICI in future.
So you are requested that please slove this metter and relieve me.
Thanks & Regards

Please help me,
My Icici credit card no is 4009.I paid all purchase bill on time but Icici lombard included
a policy in my credit card. I infromed by Email & discussed with Icici Customer care many time that I donot want this policy please dont pay any amount for this policy but they did not take any action regarding this complaint, he always replied me that we are looking this metter.
Now they are showing due bal. Rs. 14421/-
One day I received a call from Icici Bank he told me that if you paid Rs. 700/- than we
shall finalize this case. after some day I received second call from Icici legal Deptt.
Gurgaon he was threating me that if you paid Rs 2400/- than we shall finalize this case
otherwise Asper instructions of RBI & FINANCE MINISTRY, we shall take your house
hold goods in our custody OR punished by Bouncer.
This is only Black Mailing
Dear Sir/ Madam,
I am member of middle class family. I cannot pay this amount, I agreed this is
my mistake that I deal with ICICI, I shall never deal with ICICI in future.
So you are requested that please slove this metter and relieve me.
Thanks & Regards

yaa!! I agree, , Par kya karoon bhai, , Yahee life hai

i have a salary A/c with HDFC bank. I learnt that my A/C has been kept on hold due to some credit card linkage of HDFC on 1.01.10. i sent mail to hdfc bank for the hold reason. They sent a mail to me non payment of credit card issues. they told to me our credit card executives are call up you within 24 hrs. but still i have not received any call from hdfc credit card section. they hold my savings account without my knowledge. i called up several times to credit card executives they are not willing to response my call. i am not in station for past 7 months. so i cannot pay my balance amount to the bank. i called them for settlement for past 7 months they need not accept. i admitted my son in hospital i have no fund to cure my child. my financial position is so bad. how can i manage my family for this month. otherwise i go to dead.M:[protected].

HSBC Credit Card — Delivery of Credit Card to unknown person leading to misuse of card

Dear Sir,

Currently I have a dispute with HSBC for my credit card XXXX XXXX XXXX 8310. Here are my concerns.

HSBC have sent the renewed card after I canceled this card (cancellation through Customer care on 19 Jul 2006, Sent letter on 21 July 2006) after paying my last my outstanding dues of amount Rs. 2940/- on 19 Jul 2006 .
HSBC delivered the renewed card to someone else in India without seeing my identity and when I was in USA and even after the card was canceled.
The card was misused with some transactions in India when I was abroad.
After coming back to India, when I requested for a new card, I came to know that card has been misused and there is outstanding dues on this card. Following this I received monthly statements.
I sent a written complaint to HSBC asking for the clarifications and as per HSBC's letter, the renewed card has been delivered on 24 July 2006 and on this date I was abroad.
I have forwarded copy of my cancellation letter which I sent for cancellation of the card and copy of my passport saying dates of my stay out of India.

Here are the dates during[protected] when I was abroad. Sent copy of passport showing these dates that I was out of India.
(11 Jun 2005 - 05 Jun 2006)
(04 Jul 2006 - 21 Apr 2007)
(20 May 2007 - 21 Jun 2007)


I am approaching a consumer forum to resolve this matter. However recently I found that my name has been reported to CIBIL as a defaulter.

Would appreciate if HSBC could let me know how my details are shared with CIBIL as a defaulter when there is a dispute and this transactions are not done by me as I have never received the renewed card.
After this issue, I have canceled all my credit cards and currently I am looking for a home loan which might ight get rejected because of CIBIL report. Request your intervention in resolving this matter.


Regards,
B Panda
Cell:[protected]

Hi Sir,

I own a HDFC bank credit card bearing no [protected].
Yesterday evening(7th Feb 2010) I got a message on my mobile (credit card purchase alert) with details (Thank you for using your HDFC bank card for 4411.61 in ASSISTMATE.COM @ 07-Feb-2010 06:34 PM).
Unfortunately I never used my card for that shopping at that moment.
I don’t have any idea who did the shopping by using my card.
I have been using this card for the last 2 years without any problem.
It looks like fraudulent transaction and my card has been hacked by somebody.
Even if I am using 2nd authentication screen (password protect) for any purchase, my card has been hacked.
Already I have blocked the CREDIT CARD.
I have neither shared credit card information with anyone nor password.
Already I have send complaint letter to bank.
I am not in a position to repay this amount which is not done by me.
Please guide me how I can get help in this regard to waive this purchase amount by the bank.


Thanks and regards
Rajesh
Phone no-[protected]

Dear Sir,
This is Rajat. I have an account in HDFC Bank. It's My salary Account.In Jan10 they have deducted 420/rs from my account. They have given to me the reason is--I have withdrawl amt. from anouther ATM. But before few months as per my knowldge as per RBI rules I can wilth drawl amt. from any ATM. If rules has been changed than its ok. But again in this month they have deducted 900/rs from my account without any reason. I have called to their cc but they have not given any proper response.was rude on call. And for your information in this mont I have used anothet ATM other than HDFC only for two times. So please inform me what should I do.
Expect your response as soon as possible.
Account No-- [protected]
Regards
Rajat Roy
Mumbai

Dear Sir,

I am jitendra kumar I have the credit card of HDFC BANK Card N0.[protected]
I had settlement of dues on credit card of HDFC BANK Card N0. [protected] dated 10/02/2009 confirm the acceptance of Rs.16600/ as full and final settlement on the above card account in nine instalments by cash, / cheque
We had deposited the cash / cheque on same date ie .
Against this the bank issued a letter of settlement

Even though I have got several calls from HDFC BANK

Now the banking members from delhi and other banking staff they are not taken this case as a settlement they are forcing me to go for another fresh settlement

In these circumstances I would request to kindly advise what steps has to be taken to clear all dues & get my name removed from this RBI list.

my mobile mo [protected]

sir i.m right now student hdfc bank gave me credit card the limit is only 1000.00 (ten thousand ) one time i have dropped my check but next mounth my statement comes with late payment late payment.
so i stooped my payment . whrn i talk customer care they says we cant do anything. but from my saving account hdfc bank debited my all money rs.5124.00 without any information . why ?
my salary is only 3500.00 rs
plz tell me what i will do ?

To,
The Manager Citi Bank
Regional Collection
Ref Credit card no [protected].
Sir,
Refer your letter dated 16-10-09 ref no [protected] .
I have made payment of the above as per details given below .
I received the letter for 50 thousand I asked the person Mr Pratap Chouhan that I am not in a position to pay 50 thousand then he gave me a letter of above reference for 30 thousand .I told him that paying i 2 instalments is difficult so he told me that you should pay this amount .He has taken 2 payments from me between the 2 letters .
The detail is as follows
sno Receipt no date amount
[protected]
2.[protected]
3.[protected]
4.[protected]
5.[protected]
6.Paid to Mr Pratap wide cheque no 364672 rs 6300 cheque the payment is appearing in the statement on 15-12-09
7.[protected]
Total Payment made is RS 39625
You are requested to do the needful and oblige

Now I am sick and not in a position to pay further
--
P.K.K.Chaturvedi
Flat No 3, 3 Goakhale Marg Lucknow
226001
Mobile no =[protected]
Land Line [protected] Tel Fax [protected]
Email [protected]@gmail.com

Respected Sir/ Madam,


Myself, Parth Mukherjee, foreclosed my loan A/c taken on my Standard Chartered Bank Credit Card No. [protected] in the month of May 2009 through cheque no. 694399 dt- 06.05.09 for Rs. 94, 939.00 of ICICI Bank Ltd, after talking to the customer care representative who confirmed me the above mentioned as my final payment amount (including foreclosure charges). But after about eleven months or so my statement dt- 18.04.10 showed an outstanding amount of Rs.10, 642.73 as the total amount to be paid. The previous statements for the last ten months or so showed outstanding balance as zero. To my surprise, I called on the customer care representative again today ie; 20.04.10 and asked about this. They (Ms./Mrs.) Sujata was explaining me that you have not paid your loan in full as you have not foreclosed the same. But it is totally wrong to say that I have not paid in full in May 2009, otherwise the statements for the last ten months should not have shown zero amount.

Please oblige by taking an appropriate action against the bank.

Thanks,
Parth Mukherjee

Sir
I Jaswant Singh A HDFC credit card holder ([protected]) sir from the very first month I didn’t get any bill and I pay blindly for 4 months and calling on helpline regularly but I didn’t get any satisfactory resolution and a health card forcefully given to me. After 2 months they revert health card charges but they charged interest till now I didn’t get any bill and they calling me and my mom to pay bill of Rs28000 and saying that they didn’t get any bill from my side they calling me and harassing me. Finally now they told me to pay Rs12000 in 24 hrs . Please tell me Sir what can I they call me again and again. I m ready to settle the case and ready to pay Rs12000 but in installments please help me to settle this case

hi.i am ankurjain husband of isha jain having a hdfc bank credit card no [protected] . i get a settelment of rs 1, 68, 000/- from mr.amit joshi hdfc bank officer, as per mr. amit said i pay a amount rs 10000/-per month till seventeen month now when i clear the full amount i ask about my zero statement mr.amit said you get in next month but when i dont get this i meet with the bank officer as i get shocked to hear that mr. amit joshi is doing froad with the lot of customers, and bank told me that he is suspended, his cheating case also in newspaper but bank want full money now ..thanksi want your help to solve my problem as any bank officer cheated then why the customer survive as we apid all the amount .now i again get demand call from bank as they harased me and my family to much .plz help me as soon as possibel

Dear sir,

I was used Barclays Credit Card & I have a more problem with Barclays Bank kindly solve my problem here I am enclosing Priviouse I send the mail to Barclays and I have full evidence thats if it is not my problem.

Encl:

Dear Sir, Wednesday, July 09, 2008 8:09 PM


Sub: For Bill payment - Reg.

Ref: [protected]


I was used Barclays Credit Card past 7 months, and I make the payment is full amount and verify my begining stage. Because my bill was received in proper period.

But the march 2008 bill I could not received in time. So, I make a call on 01/04/2007 to your customer serivce and I request send me bill immediately. but I receive the bill only 02/04/2008 it was next day of my due date and again I received another same bill in
after 4 days. So, I don't make any payement because it was a courier Mistake. When I received the april Month bill in proper time and make late payment fees interest and etc., so I am again talk with your customer care officer he was not resposible for me and
I make request to kinldy revert the additional charge. But he said sorry we are not responsible for this compliant. So, I told him to I will pay the which ever amount used by me that only I pay you other amount I not intersted to pay for you. And May month bill I make only which amount was used by me that amount only I Paid. Now my bill was only
the late fee and interst charges and service tax.

Kinldy revert the amount for my use to future the Card. Other wise I am not interested to continuing the card. Kindly Close the Account.


Do the needful and oblige

Thanking you

With Regards,

V.Paramaguru

But Barclays was close my card in july month of 2008 but the bill amount was generated every month and made a non payment charges, interest tax etc., finally I received near by abovt 20, 000/- . It is not my default in mean time my name was host in cibil.
I request you sir kindly solve my problem and save me. my email id is [protected]@yahoo.com


Thaking you
yours faithfully

(v.paramaguru)

sir my name is arpan aggarwal i am from patiala i used a card of centurion bank in2008 but unable to pay the amount my card no is [protected] but the bank was merge into hdfc bank but after two years icici bank freezed my account and debit my money against that card outstanding without informing me how one bank can cover the money of other bank money what i can do pls tell me my no is [protected], [protected]

From: Harish Singh <[protected]@gmail.com>
Date: Wed, Jul 11, 2012 at 10:46 AM
Subject: Re: Your Credit Card 4476 xxxx xxxx 0028 (KMM12086469V92405L0KM)
To: HSBC INDIA NODAL OFFICER <[protected]@hsbc.co.in>




Dear Priyanka



Thanks for your kind co-operation, but with reference to your mail now, you are ready to settle this matter for Rs 4500/- .However please note that two days before your executive Mr Saleem had called me up & had given me another offer to pay Rs 3150/- for the full settlement.



Please note that the outstanding shown in my card account is baseless and false. This is having a false name in my reputation part also.



Hence I request you to please settle the same at a final payment of Rs 2000/-. I would be very thankful to you for the same



I’m awaiting your positive response from your side. You can check my previous profile, I was always one of your banks’ best customer, but due to some miscommunication & false commitments made from your side, I had closed the account.



I hope you will understand my problem & settle the same this matter at a final payment of Rs 2000/-









Regards

Harish

[protected]



On Wed, Jul 11, 2012 at 10:11 AM, HSBC INDIA NODAL OFFICER <[protected]@hsbc.co.in> wrote:

Dear Mr. Bisht,

Reference number: [protected]

This is further to our email dated 03 July 2012 with reference to your
concerns on your Credit Card.

We understand that you have certain reservations regarding the
outstanding pertaining to your card account. In this regard we would
like to inform that the card is invalidated with effect from 07 February
2008 and there is an outstanding of INR 46910.34 as on date on the card
account.

Based on your request for the settlement of your card account, our Debt
Management team has contacted you and offered you with a settlement
amount of INR 4500.00 to be paid in one installment to settle your card
account, however we understand that you wish to opt for settlement for
an amount of INR 1000.00, given which we would request you to contact Mr
Sunil Naik on[protected] for further assistance in this regard.
Offering settlement for a card account is the Bank's discretion.

Incase you do not wish to avail the settlement offered to you, we would
request you to make the payment towards the total outstanding at the
earliest to obviate further charges in the card account.
The last payment received towards the card account was INR 450.00 on 01
February 2008.

As informed in our earlier communication, if the payment is not made
towards the entire outstanding within the due date, legitimate charges
will be levied on your card account as per the terms and conditions
specified in the Credit Card Services Guide.

If the card holder wishes to have the extended credit facility and pay
HSBC an amount less than the statement total payment due, the entire
outstanding from the date of the transaction will attract finance
charge. All new transactions will also attract finance charges from the
date of transaction at the prevailing rate (3.3% per month for Gold,
3.1% per month for Platinum and 3.5% on classic card) once the account
uses the extended credit facility. This charge will be debited on the
last day of the Billing cycle and will be applied on daily balance.

With effect from 05 March 2009, the Late Payment Fee on Classic, Gold,
Platinum and Premier Credit Cards has been revised to 50% of Minimum
Amount Due (subject to a minimum of Rs. 400 & a maximum of Rs. 750 per
month).

Based on your confirmation we have liaise with our Debt Management team
and given the information received, we would like to clarify that our
records do not reflect any kind of settlement done on the account.

We had also requested you to share the copy of the settlement letter and
the payment receipt for the payment and settlement done for your card
account, to be sent to <[protected]@hsbc.co.in> as a documentary
evidence enabling us to investigate further and assist you in this
regard, however we were not in receipt of any such document from your
end. If the settlement is offered, the customers are informed vide a
settlement letter stating the terms and conditions for settlement of the
card account.
Verbal settlements are considered null and void.

We are once attachingherewith the statements of your card account for
your ready reference. The password to open the statement file will be
your date of birth in DDMMYYYY format. For example: If your date of
birth is 02 January 2008, then the password to open the file would be
02012008.

We trust the above suffice your requirement.

Mr. Bisht, we would like to assure you that in view of our focus and
commitment to customer service, we have addressed your complaint in a
fair and equitable manner. Please do not hesitate to write to us in case
you need any further information.

For the awareness of our customers, we would like to inform you that the
Reserve Bank of India has appointed Banking Ombudsman under The Banking
Ombudsman Scheme, 2006, to provide a forum to customers for the
resolution of their complaints relating to deficiency in banking
services. Details can be viewed vide the appended link.


http://www.hsbc.co.in/1/PA_1_083Q9FFKG80E20RA9Q00000000/content/website/
pdf/ombudsman_2006.pdf

We remain committed to providing our customers the best service at all
times.

Should you require any further clarifications, please write to us at
[protected]@hsbc.co.in and we shall be glad to assist you.

Assuring you of our best services always,

Yours sincerely,

Priyanka Guha
Customer Service Manager, Nodal Office
The Hongkong & Shanghai Banking Corporation Limited, India (HSBC)




[protected] Forwarded message[protected]
From: Harish Singh <[protected]@gmail.com>
Date: Tue, Jul 10, 2012 at 3:42 PM
Subject: Re: Complaint regarding credit card unnecessury due.
To: [protected]@hsbc.co.in, [protected]@hsbc.co.in


Reminder - 1

In spite of my repeated mail i do not received any satisfactory response from your side, Please do the needful to dissolve this matter.

Thanks & Regards
Harish Singh



On Thu, Jul 5, 2012 at 12:29 PM, Harish Singh <[protected]@gmail.com> wrote:

Dear Sir/Mam

With reference to the trailing mail I'm awaiting your best justice in this regards.


Please check my complete statement, there is no principal amount is pending, unnecessary you have charged on the late payment of Rs 500/- which is already settled by me by the payment of Rs 1000/- (Principal + Interest).



I request to you please check the same & closed my Credit card account asap

With Regards
Harish Singh
[protected]



On Wed, Jul 4, 2012 at 3:50 PM, Harish Singh <[protected]@gmail.com> wrote:

Dear Sir/Mam

Today i got a call from your side by your office no[protected], but they are demanding 5000/- Rs for settlement this matter but as per my record there is no outstanding.

Please do the needful, why i will pay unnecessury amount.

Please settled the same up to 1000/- Rs because only 268/- Rs is due in my side which is also of the interest.

You can check my all previous record there are no principal value is due, i have already submitted 1000/- Rs to you agency collector, which record not updated in your account.

Pl... do the needful

Regards
Harish



On Mon, Jul 2, 2012 at 5:49 PM, Harish Singh <[protected]@gmail.com> wrote:

Dear All
With reference to trailing mail I'm awaiting your positive response.
Please contact me for settlement.

Regards
Harish
[protected], [protected]

Hi Sir,

I own a Standard Chartered bank credit card bearing no. [protected]
Yesterday evening[protected] I got a message on my mobile (credit card purchase alert) with details (massage 1-(21:01, 22 Dec-12) Thank you for using stanchart credit card no. ending 4470 on 22/12/12 for INR 5000.00. for easy EMI option on amounts above INR 5000, call[protected] T&C apply
massage 2-(21:03, 22 Dec-12) Thank you for using stanchart credit card no. ending 4470 on 22/12/12 for INR 7000.00. for easy EMI option on amounts above INR 7000, call[protected] T&C apply
massage 3-(21:06, 22 Dec-12) Thank you for using stanchart credit card no. ending 4470 on 22/12/12 for INR 9999.00. for easy EMI option on amounts above INR 9999, call[protected] T&C apply).
Unfortunately I never used my card for that shopping at that moment and before 7 days.
I don’t have any idea who did the shopping by using my card.
I have been using this card for the last 1 years without any problem.
It looks like fraudulent transaction and my card has been hacked by somebody.
Even if I am using 2nd authentication screen (password protect) for any purchase, my card has been hacked.
Already I have blocked the CREDIT CARD.
I have neither shared credit card information with anyone nor password.
Already I have send complaint letter to bank.
I am not in a position to repay this amount which is not done by me.
Please guide me how I can get help in this regard to waive this purchase amount by the bank.
I’m awaiting your positive response from your side. I hope you will understand my problem.
Thanks & Regards,
Sumit karn
[protected]

Iwant to know my Credit Card Status. Ref . No 1260593

CREDIT CARD APPLICATION STATUS
DEAR SIR,
MY NAME IS SATYANARAYANA DASARI D.O.B. IS 10.06.1975 .PLEASE LET ME KNOW
THE STATUS OF MY CREDIT CARD APPLICATION . TILL NOW I HAVE RECEIVED ONLY
MY REFERENCE NUMBER DATED[protected]. MY REFERENCE NUMBER IS 1352711.
MOBILE NUMBER IS [protected] EXPECTED THE INFORMATION AS SOON AS POSSIBLE...

REGARDS,
SATYANARAYANA DASARI
MOBILE- [protected]

i want to know my application status since till now i didnot get my credit card for which i have applied 25 days before

i know the application status

i want to know the application status

MY NAME IS DEEPAK JACOBPLEASE LET ME KNOW
THE STATUS OF MY CREDIT CARD APPLICATION .
MOBILE NUMBER IS [protected] EXPECTED THE INFORMATION AS SOON AS POSSIBLE...

REGARDS,
DEEPAK JACOB
MOBILE- [protected]

Hi,
I would like to inform u that I have Applied for Barclays CreditCard on[protected].
one of your representative took all the required documents & informed that with in 15 working days I'll receive my credit card but upto now nothing has happen.
on several phone calls to UR service there is no response from UR side. My application ID is 82066
So, please check my status inform me through mail r phone
My Mob no:[protected]
My Home Address is
H.No: EWSH - 239, KPHB Colony,
Kukatpally, Hyderabad - 72

Hi,

I have applied for barclays credit card . it has been more than one month and i don't know the status of Application . my all verifications are over. i leave home at 7.30 in morning and reach my home at 7 pm hence i had requested them to hand over my credit card to my office address. i don't know anything about the status . Kindly let me know what is the status.Pls do the needful

Dear Nameless,

A credit card company retains sole descretion whether to issus a credit card or not. They look on various factors.

1. Past payment history.
2. Card using pattern.
3. Net salary and expenses
4. reputation of area of residence
5. Reputation of employer/business
6. Tenure in the present employment
7. Marital status

and many more, to assess the credibility of the credit card holder. It is upto the underwriters to give a positive nod or negative.

If your card application is declined, you can not complain to anyone as they will not reveal any information regarding the denial.

Good luck.

i want know the application status how many daya it will be take pl reply soon regads v.m

Dear Sir/Madam,

Iam very sorry to write this mail as we have applied for credit card in the month of july but till date we have not recieved any feedback regarding that..Mr.Jayanti from mumbai came to our office and took 5 credit card application along with the documents but he didn't responded to us...We are surpise to get this type of treatment as we are listed as top corporate in your company.

So kindly respond to our query as we are worried about our documents ...

Rgds
Pushpa kabara
Customer service executive
[protected]

Dear Sir,

I have applied for Credit card about 15 Days back. I would like to know the status of my application. Whehter it is rejected or accepted.

Thanks and regards,

D. Sampath Kumar

Sir, I have apply for credit card my application number 110950 date of Application 05/01/2011.

ABN AMRO Credit Card — ABN AMRO staff shouting at customers

Last week i am faced very bad situation one of your collection agent was called to me make the payment of Gold card. I told to him i am asked your bank for some query about that card they will not clear my doubt after clearing my doubt i will make the payment then he said i don't know i am calling from collection department you should make the payment i said without clearing my doubt i will not make the payment he said you used the card then why should not make the payment. I said you see my payment history then you said this word to me but he is not accept so i cut the line he repetadely calling to me giving the torchure to me.

Regards,

Tharanendran.D
[protected]

ABN AMRO bank people are actually very rude and talk real foul language, Ina days time you will get several calls for same thing ... you used the card why are you not paying??? When you ask them about the history so far no body knows anything... completely messed up and unorganized organization.. people with no manner and no knowledge...the bill amonts is charged with any clarification...they have also taken force payment from my salary account with ABN AMRO bank, but still after payment, due amount only increases.

satyam — credit card status

Hi ,

this is siva prasad mvs working in satyam computer services.I jus want to know the status of my credit card,my reference no is 844386

Hi,

This is regarding a credit card i had from ABN AMRO Bank, due to some unavoidable situation i couldn't make few payments to this bank against my credit card.

However when i was contacted by the collection department of the bank I made full payment at one go for the settlement amount asked by the bank, but still after four months of making the payment I am fail to build up any financial relationship with any other bank instead of having very good track record with all other bank since ABN AMRO has not removed my name from the Satyam Defaulter List.

Please help me get out of this problem as it has already caused me a lot of trouble.

Standard Chartered Bank Had offered me credit card free for one year.
After completion of 1 year they send bill for next years annual subscription.I replied them that I was not interested and sent back card torned. I had no other dues pending.Despite this they send me bill for subscription and put my name in defaulters list.
So please help .

Yes, Standard Charted bank is Standard Cheaters Bank. A common man dont keep all the records. They can easily fool customers. Now you wont be having any proof that u sent them a request not to renew subscription. They will deny that they received any application. these things should stop somewhere.

Hi,

This is regarding a credit card i had from ICICI BANK, due to some unavoidable situation i couldn't make few payments to this bank against my credit card.

However when i was contacted by the collection department of the bank I made full payment at one go for the settlement amount asked by the bank, but still after four months of making the payment I am fail to build up any financial relationship with any other bank instead of having very good track record with all other bank since ICICI BANK,has not removed my name from the Satyam Defaulter List.

Please help me get out of this problem as it has already caused me a lot of trouble.

I.C.I.C.I Bank Credit Card — May be name not removed from Satyam defaulters list

Hi

I had a I.C.I.C.I bank credit card. Due to some unavoidable circumstances i was late in the payment. Now i cleared it and had a settlement letter even and it is 8 months back. Now iam facing the problem even to take the credit card or any other relation with any other bank. Can you please suggest me regarding this. It would be very helpfull if you can suggest me.

Regards
Syed Adil Hussainy

There were payments delayed due to my abroad travel and my relocation from Delhi to Hyderabad, there were huge interest rates and service charges when i was actually notifed through a phone call. After this I have gone to personally
and closed the card with a full and final settlement at their office, they even gave a discuount becaue i was ready to make in one payment and close the card. I have even recieved the closure letter. All this was in 2003, after this i have taken home loans, car loans form a ICICI bank. Now another back which is offerring an NRI loan sees my name in SATYAM database under defaulter list. This is the most rediculous think to happen. Just because the consumer does not know what they do, they just spoil a customer's reputation here. The due amount was not more than 5K.
Can some one please help me out. Is there a way to legally sort this out. How can only banks do this, what about customers facing problems with this banks.

Appprecite any inputs.

I have settled all the dues with standard chartered bank and they
have given the settlement letter also, still I am getting regular calls from them regarding payment . They have also posted my name in satyam defaulter list which is a big setback for me .I want my name to be removed from the defaulter list, so you please help me out .

without any due some one put my name in cibil, please give me detail of which bank put my name in cibil

name jagdish mandaviya
date of birth : 01/03/1973

i had a credit card account with standard charted bank. i had closed my account with the bank.. they had given me a settlement letter also. i was been told thats settlement letter means closure of my account with standard chartered bank. and now they have put me in defaulters list. when i ask them abt the same, they say my account is not closed and i need to make a payment. and closure letter is different and account settlement letter is different.. and they ask me for proof when was it told that settlement and closer were the same. where i was never given any proof and told that all the calls were recorded and i need not worry. who do i complain now. is there anyway to stop these people from fooling us.

Hi,

This is regarding a credit card i had from HSBC Bank, due to some unavoidable situation i couldn't make few payments to this bank against my credit card.

However when i was contacted by the collection department of the bank I made full payment at one go for the settlement amount asked by the bank, but still after one & half year of making the payment I am fail to build up any financial relationship with any other bank instead of having very good track record with all other bank since HSBC has not removed my name from the Satyam Defaulter List.

Please help me get out of this problem as it has already caused me a lot of trouble.

how can i see satyam defaulter list ?
please tell me the site address so i can see the defaulter list.

i have a credit card from icici bank, due to some unavoidable circumstances i was unable to make payment against my credit card.
now i have come in contact with one of the managers at the recovery departments and we have come to a settlement but the problem is that the manager is saying that even if i make the payment my name will not be removed from the satyam defaulters list as they cannot do that.he said that i will have to go to satyam office and do the needful.now i am going to my mba and for that purpose i need educational loan and i am not getting it because of this.
please help me get out of this problem as it is causing me a lot of trouble.

my name is anjali vishwasrao pls. i want see the satyam list because of some body is very harresment me and i am suare this person name in this list so please help me my mobile no : [protected]

give me rcorde to my loan

Now you can solve your credit card issues through Ombudsman(a statutory body appointed by RBI to accept grievances against banks and their services).
You can file a complaint online also @ www.bankingombudsman.rbi.org.in

Note: Before registering the complaint make sure that you have reported the complaint in the service providing bank(against whom you will complain).
For more info have a look on these below links
http://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=159
http://www.rbi.org.
in/Scripts/FAQView.aspx?Id=24

Hi,

This is regarding a credit card i hold from American Express BANK, due to some unavoidable situation I missed to make few payments on time to this bank against my credit card.

However I made full payment at one go for the settlement amount asked by the bank, but still after three years of making the payment I am fail to build up any financial relationship with any other bank instead of having very good track record with all other bank since American express BANK, has not removed my name from the Satyam Defaulter List.

Please help me get out of this problem as it has already caused me a lot of trouble.

Thanks

Regards
C.M.Tickoo

This is regarding a credit card i hold which I used to use around 2~3 years ago from ABN AMRO BANK, due to some unavoidable situation I missed to make few payments on time to my credit card.

However I made full payment as per the settlement agreement between me and ABN AMRO, after that I didn't received any call for around 2 years regarding any due in the credit card, but since last 2 months ago I received couple of calls that there is outstanding in that credit card. When I asked him that please send me the letter indicating the due so that I may take up this matter in cunsumer court, no answer was provided and the call was disconnected but again and again I am receiving such calls also when I approached for loan I got news that My name is reflecting in Satyam defaulters list.

Please help me get out of this problem and do let me know that what action can be taken against the bank for harassing me after 2 years of closure of my payment.

Thanks

Rahul

Dear Team,

Myself shrijit menon, want to check that whether my name is in any defaulter list. As due to some financial problem I was not able to make payment of ICICI BANK CREDIT CARD. but after that I made my Full and final settlement payment to bank. Thus on this record I am unable to apply any loan or credit card from any other bank. I assume that my name has not been removed from satyam and might be possible that it has been moved to CIBIL. Kindly get me back on my cell no [protected]/[protected].

dear All,

I used to have three cards ( ICICI, ABN AMRO, CITI). last year I called up their customer care and surrendered my cards by making total outstanding cleared. still when I came back from abroad, I found my name is in cibil from ICICI as write-off from their side. Now i am unable to get any card.

What should I do.

I was using ICICI credit card and was very regular pay master, looking forward to my good track record ICICI upgraded my card to GOLD card and ever since i was using and paying my dues in time.In Feb 07, they sold me a insurance plan without my permission, which i came to know in my march statement, i called call centre and told to discontinue this insurance policy, in the month of MAY 07 i got a letter from the bank stating my policy has been discontinued and i have to pay the previous installment of the insurance policy, i paid my dues of insurance as well which i haven't subscribed, after that also they kept charging me the insurance premium i immed stopped using this card and now the charges are as high as 18k, when i contacted ICICI bank they told please pay Rs.2000 for the settlement.I told them, why when the insurance was discontinued and i have a letter with me.They never replied back.

Now name is in cibil and satyam defaulter list and i am unable maintain relationship with other banks.

please guide me

Regards

Bikramjit Grewal

Ref. Card No.[protected] of barclay credit card.

I have made payment of Rs. 341.86 vide ch. No. 915227 dtd. 01.10.2007 on specified due date towards my purchases made in the month of Sep.07-Oct.07. The same is debited in my bank statement on dtd. 03.10.2007
instead of giving me a credit of Rs. 341.86 in my credit card statement bank have been charged late payment & interest with ST in every month statement which amounts to Rs. 2200 something. I have already given my bank statment to concern bank officer name chirag and mobile no of that person is[protected], who is based at ahmedabad.All though i received call from Delhi customer care office of barclay bank.

Please do the needful.

I am holding an ICICI Credit Card and I was not using it for about an year. A few months before they gave me a promotional credit of Rs.100 i don't want to use it as i was highly satisfied by my other credit card. Later a month ago i was charged a bill amount of Rs. 36, 000, which i have not at all used. Please help me out

dear sir
i had paid for full and final settelement amount to ABN Amro Bank on 25/07/2008 as per cash receipt 5421 and they committed me to they will send the letter for the same and name will removed from the defaulter list however i was not defaulter but to wrong charges and harrasement and to buy peace i had paid for settelement but after payment they forget their commitments as regular work and also i request and advice you to ask the pesons who are publishing the name of defaulters of credit cards they must geneuness of outstanding dues raised by the banks because generally all credit cards company has dispute regarding dues with customers for over billing, late fees, high interest rate and etc.please help to general public
thanks and regards
and

Dear Sir,

I am a HDFC card holder and have been using the card regularly. My payments were regular and sincere. Six months back i lost my job and i am still unemployed. Thus wasnt able to make payments against my card from the last six months. From last month i have been receiving calls from recovery agents for the dues against my card. We came to an agreement to settle the principal amount on my card (Rs 22500/-)and asked for 3 instalment. The agents refused and are still calling everyday(Around 25 calls a day). They use abusive language and are harassing the whole family.

Please help.

Aastha.

If one got Full and Final settlement letter of credit card from Bank. Is this mean that his name will not be their in satyam defaulter list?

Please reply me.

Thanks and Regards,
Sachin

I have a hdfc bank credit card which has got an overdue of rs 26000, when i had contacted the concerned people they asked me to pay 26000 at a one go which was not possible for me & as a result they have hold my salary without any prior intimation ...pls suggest me what best can be done

i have a connection from airtel the no. is 41751436 i have getting a problem from the set but now they are not changing the set please help me to sort out of this problem

I had HSBC credit card but at first payment they have not mail/call me about the payment due date and start some Healthcare policies automatically. That time I was not aware about the credit card processes.

They were adding unnecessary amount into my card. I mail a lot to their customer care to stop my card and their tansactions but I did not get any response.
After 2-3 moth I got a call from their collectors to pay the outstanding amount then I told them about all the problems. Finally they admit their faults and told me to pay the sattlement amount and ensuring me to not put my name in Satyam Cibil Froud. I paid this sattlement amount as they told but after some time when I applied for other banks, I found my name is in Satyam Cibil Froud.

I am a well honoured and mannered person. I am using some other cards(HDFC, ICICI) also and using them properly. I also have taken a personal loans for one year later and paying my EMI regulerly.

Can you please suggest me to come out from this situation and how can I remove my name from Satyam Cibil Froud.

where can i check that whether my name is exist in Satyam's Defaulter List or not...?
plz help me

If one got Full and Final settlement letter of credit card from Bank. Is this mean that his name will not be their in satyam defaulter list?

Please reply me.

Thanks and Regards

Narender Singh

Name in Satyam Defulters List and cibil
Hi,

This is regarding a credit card i had from ICICI BANK, due to some unavoidable situation i couldn't make few payments to this bank against my credit card.

However when i was contacted by the collection department of the bank I made full payment at one go for the settlement amount asked by the bank, but still after four months of making the payment I am fail to build up any financial relationship with any other bank instead of having very good track record with all other bank since ICICI BANK, has not removed my name from the Satyam Defaulter List.

Please help me get out of this problem as it has already caused me a lot of trouble.

Thanks
Amit Sharma
I[protected]

Sir,
My name is Bandu Raut, I had take a Credit Card from Standard Chartered Bank. I had paid all outstanding dues and cancelled the credit card. But the bank has declaired my name in Satyam Defaulters List.
I send a e-mail to SCB and requested to remove my name from Satyam defaulters list. After 3 days SCB had send me e-mail and said that my name has been removed from defaulters list.
But I want to see that my name has been removed from defaulters list.
What a procedure to see my name is not in satyam defaulters list.

I myself is also facing the same problem from citi financial and ICICI Bank please help me for the same



Regards,

Kavita Sharma