[Resolved]  Sbi Card / Sbi Credit Card — Charged for dues not justified

Dear Sir,
SBI card –the logo should read ‘Make your life miserable’ instead of ‘Make life easy’-. I applied for a credit card in 2006 and received the SBI card no. [protected] 469.Within a few days of of receipt I got a call from Royal Sundaram Insurance offering me two insurance schemes amounting to Rs.3600/-.I agreed for one amounting to Rs.1900/-.To my surprise both the schemes were billed to me. I called back Royal Sundaram and told them that as they had not adhered to agreed commitment I did not want any of them. This was within their agreed free trial period. They readily agreed.
However, the processing of the reversal was done by M/s Royal Sundaram beyond the trial period and from then on my misery started. Outstanding amount started appearing in my monthly statement .I talked to customer services and apprised them of the total story. Every time I was calling there was a different person on the phone. They would ask me to hold the line and start looking for records and come up with an answer that as reversal was beyond trial period I would have to pay the administrative charges.There was, however, no justification for that amount charged.
I did not read the small letters in the application form for the credit card which the agent simply waived off saying these were the standard ones and I need not worry. But is it not the prime responsibility of SBI card to protect my privacy? How come my mobile number was given to Royal Sundaram Insurance with details of my profile, without my permission?
I had opted for a credit card in the first place (and not for an insurance), in anticipation of expenditures for treatment of my ailing brother.
Then phone calls started coming, in not so civil tone, to pay up. I tried to convince the persons on phone to give me a chance to clarify. I told them that I as a customer had no product/services from Royal Sundaram why should I pay? I had not even activated my card and as such there should be no claim.
The frequency of phone calls increased with words like ’we will see how you don’t pay’.This continued for some time and then I was served with a ‘Advocates notice’ with dire consequences.
I consulted a few of my colleagues and was advised not to go for any confrontation as that would cost me more time and money, leave aside the harassment.
I rang up their agency mentioned in the notice and told them that I was ready to pay but they must give me a statement showing break-up of the amount charged. The reply was ’First you pay then we will see’.
I told them to send me a mail giving the exact amount to be paid with penalty and all.An E-mail was received by me stating the amount(Rs.3600/-) and the mailing address, to which I complied.
Next month again an outstanding amount appeared on my mobile and I rang up the person who had assured that there will be no further claim. He told me to ignore the message and he will look into it. I made several request through E-mail to send me a ‘No claim certificate’ but there was no reply.
fromRANJIT BANERJEE <ranjit.[protected]@gmail.com>
tolalit.[protected]@infovisiongroup.com

dateFri, Sep 26, 2008 at 9:58 AM
subjectNo claim Certificate against SBI Gold Card No.[protected]
mailed-bygmail.com


I regret to inform you that till date I have neither received any reply to my E-mail dated 2nd. Sept'08 and 09th Sept.from you nor received the NCC against my payment of the full amount as asked by you. Please send me the N.C.C at an early date. When shall I stop receiving the monthly statement from SBI card ?

fromRANJIT BANERJEE <ranjit.[protected]@gmail.com>

The next month again I received a statement showing an outstanding amount and rang up their offices and contact person named in the letter. He simply said he would look into it but never rang back.
Next month I received the statement again with Rs.2811/- shown as outstanding.
I wrote the following letter to the Manager Payment Assistance Unit.
Dated 30.10.2008
To
Manager
Payment Assistant Unit
SBI Cards & Payment Services PVT.Ltd.
DLF Infinity Towers, Tower C, 12th Floor
Block-2, Building 3, DLF Cyber City
Gurgaon 122002(Haryana) India


Dear Sir/Madam,
SBI Card [protected] 469
Ref: LB/150/24-Sep-08/15513 Dated 24.09.08

This is to bring to your kind notice that an amount of Rs. 3500/- was agreed to as full and final settlement for reversal of the account by Sri Mannat Singh and Sri Lalit Kumar of A-14/3, Naraina Industrial Area, Phase 2, New Delhi-110028.
Accordingly, payment was made vide at par cheque no. 167648 dated 21.07.2008 drawn on Axis Bank, in favour of the SBI card in reference.
The amount was debited from my account on 01.01.08.
Confirmation was received from Sri Lalit kumar that there will be no further claim on this account.
When SBI card statement continued to show outstanding amount of Rs.2811/- I again rang up Sri Lalit Kumar and he assured that it will be reversed and not to worry.
On receipt of the letter in reference I have talked to Mr. Lipi Sharma and apprised him regarding the payment and the talk I had with Sri Mannat Singh & Sri Lalit Kumar.
He has confirmed and has asked me to ignore the letter in reference.
I would therefore request you to kindly reverse my account and send me a ‘No Claim Certificate’ and oblige.


Thanking you,
Yours faithfully,


(Ranjit Banerjee)
6, Park Avenue,
Burnpur-713 325


They asked for documents against which payment was made. The following correspondence ensued:

-----Original Message-----
From: RANJIT BANERJEE (ranjit.[protected]@gmail.com)
Date: Tuesday, December 16, 2008 09:38 AM
To: feedback.[protected]@ge.com (feedback.[protected]@ge.com)
Subject: Your ref: MQ[protected] dated 13th.nov.'08

Dear sir,
As desired please find the requisite documents in the attachments.
Please reverse the account and issue me a N.C.C.
Thanking You,
R.Banerjee






fromfeedback.gesbi <feedback.[protected]@ge.com>
toRANJIT BANERJEE <ranjit.[protected]@gmail.com>
dateFri, Dec 19, 2008 at 11:31 AM
subjectRE:'CaseID=[protected]' Your ref: MQ[protected] dated 13th.nov.'08
hide details 12/19/08 Reply
19 Dec 2008
Dear Mr. Ranjit Banerjee
Thank you for writing to SBI Cards.
This is with reference to your communication dated Dec 16 2008 9:56AM .

Settlement of Account: We would like to share with you that settlement offered on your SBI card account stands null and void as your SBI Card account settled for Rs. 2810.34/- and the same has to be received by us on or before 30th June 2008. However, We have received your last payment of Rs. 3500/- only on 30th July 2008.
In view of the said matter, as per the agreement the cardholder is liable to pay the entire outstanding balance including the charges accrued on the SBI card account. We would also request you to refer the settlement letter for further clarification.
Also note that your SBI card account stands inactive for usage and as on date the current outstanding on your SBI Card account is Rs. 3, 074.64/- .
Should you have any further queries on your SBI card account, would request you to reply at feedback.[protected]@ge.com using the same subject line or please contact our helpline at 39020202 or [protected] (only for MTNL and BSNL users). Our customer service Representatives on the Helpline will now be available between 8 am and 8 pm, Monday to Saturday. To access information between 8 pm and 8 am or Sundays regarding your outstanding Balance, Available credit and cash limits, payments made, billed and unbilled transactions, to request for a Duplicate statement/ATM PIN or to block a lost card, please use the IVR service at the same Helpline numbers.
If you are not satisfied with the response, you can write in to AVP, Customer Service, head.[protected]@ge.com using the same subject line. You will receive a response within 3 working days.
Yours sincerely,
G.Tamilselvi - Customer Service

fromRANJIT BANERJEE <ranjit.[protected]@gmail.com>
to"feedback.gesbi" <feedback.[protected]@ge.com>
dateFri, Dec 19, 2008 at 11:57 AM
subjectRe: 'CaseID=[protected]' Your ref: MQ[protected] dated 13th.nov.'08
mailed-bygmail.com
hide details 12/19/08 Reply
Dear Sir,
I am in reciept of your reply and am astonished to note that credence has not been taken regarding the payment amount (Rs.3500/-) as against 2811/- till June30th.
The amount Rs. 3500/- was asked by your authorised agency including penalty for payment beyond 30th. June as full and final payment towards the due shown and same has been paid within July'08 as asked.I don't understand why an organisation like you is going back on its word.
In this connection may I mention that whatever due is shown against my card has not been examined by SBI Card.Every time I am talking to a different person and landing back to the square one.
I had also attached Lalit Kumar's E-mail copy in my last correspondence.
Kindly, obtain the details from your outsourced offices and arrange for reversal of account.
Thanks,
R.banerjee

fromHeadCards <head.[protected]@ge.com>
toRANJIT BANERJEE <ranjit.[protected]@gmail.com>
dateWed, Dec 24, 2008 at 2:17 PM
subjectRE:'CaseID=[protected]' Your ref: MQ[protected] dated 13th.nov.'08
hide details 12/24/08 Reply
Dear Mr. Banerjee,
This is with reference to your communication dated December 19, 2008 regarding your SBI card account.
We acknowledge the receipt of your mail and assure you that we are looking into your concerns. We will revert to you on completion of our investigations. Please bear with us in the interim period.
We regret that your issues were not adequately and promptly responded in the past. Please accept our sincere apologies for any inconvenience caused to you.
Please feel free to contact us should you require any further assistance or clarification.
We assure you the best services at all time.
Yours sincerely,
AVP- Customer Service


fromHeadCards <head.[protected]@ge.com>
toRANJIT BANERJEE <ranjit.[protected]@gmail.com>
dateSat, Dec 27, 2008 at 11:01 AM
subjectRE:'CaseID=[protected]' Your ref: MQ[protected] dated 13th.nov.'08
hide details 12/27/08 Reply
Dear Mr. Banerjee,
This is with reference to your communication dated December 19, 2008 regarding your SBI card account.
We would like to inform you that as per our records there is no settlement was offered on your SBI card account
However, currently in case you wish to settle your card account dues, the same may be settled for Rs. 1500.00 against the total outstanding of Rs. 3, 074.64 payable in one installment to us by December 31, 2008.
Please be advised that the settlement shall stand null and void incase of any breach of the settlement agreement. We would request to adhere to the terms and conditions of the settlement to avoid further accrual of charges. Post clearance of the said amount we would make arrangements to reverse the remaining outstanding balance on the card.
In case of any further concerns regarding the settlement, you may contact us at [protected].
Please feel free to contact us should you require any further assistance or clarification.
We assure you the best services at all time.
Yours sincerely,
AVP- Customer Service
Make your life simple with E [protected]@ www.sbicard.com. Just the convenience of getting your monthly statement delivered directly to your email inbox. To avail the e-statement facility, please click on the highlighted link - https://www.sbicard.com/sbi/estatementprelogin.jsp




fromRANJIT BANERJEE <ranjit.[protected]@gmail.com>
tohead.[protected]@ge.com
dateSat, Dec 27, 2008 at 12:07 PM
subjectFwd: 'CaseID=[protected]' Your ref: MQ[protected] dated 13th.nov.'08
mailed-bygmail.com
hide details 12/27/08 Reply
Dear Sir,
I would like to mention that full settlement against a payment of Rs.3500/- was offered by Mr.Mannat Singh of SBI card and the amount was sent to A-14/3, Naraina Industrial Area, Phase -2, New Delhi-110 028, by at par cheque on AXIS bank.(Cheque No. 167648 Dated 21.07.08.)
When the outstanding amount kept on appearing on my mobile I personally talked to him and he asked me not to worry and ignore it.
The nuisance value the card acquisition has created, has put me into a mental trauma.The amount is not the big thing but the way I have been harrased. Firstly I never activated the card as you may verify. The amount carried is, I am told, for administrative charges of Royal Sundaram Insurance which already was cacelled as they did not adhere to their part of the agreement.They readily agreed and reversed the amount.
The charges carried since the has become more than that combined value of the Insurances.Till date I have paid Rs.4100/- to SBI card (For what I am yet to know) and outstanding amount is still continued.
Your offer for Rs. 1500/- by 31st.Dec'08 for full and final payment, is also a gesture, as very well known to you, that can not be fulfilled, because it is only three working days away.I know I am helpless against an organisation like SBI card and an undue advantage is being leveraged by SBI card.
I simply want to rid of this nuisance value, the SBI card has created for me. Kindly, in your fair judgement investigate into the matter, and give me a fair opportunity to settle the case.
Thanking you,
R.Banerjee




fromRANJIT BANERJEE <ranjit.[protected]@gmail.com>
tohead.[protected]@ge.com
dateMon, Dec 29, 2008 at 4:58 PM
subjectSubject: Outstanding Payment for Credit Card No. [protected]
mailed-bygmail.com
hide details 12/29/08 Reply
Dear Sir,
Subject: Outstanding Payment for Credit Card No. [protected]
'CaseID=[protected]' Your ref: MQ[protected] dated 13th.nov.'08
This is in reference to our earlier communication regarding the outstanding amount in my credit card. I want to bring to your notice again that I stand by my statements mentioned earlier in my correspondence with you.
I do not want to prolong this issue anymore and hence I have decided to pay Rs. 1500/- as final settlement amount as requested by you in your earlier email.
The details are given hereunder:
Cheque No.829993 Dated: 29/12/2008 on SBI, Burnpur, dropped in the drop box on 29.12.2008 at 11 am.
I am making this final payment of Rs. 1500/- as stated in your email dated27.12.2008. I am taking this step because I don't want any mental harassment caused by your organization or any agency claming to be your representative pertaining to this credit card number.
Kindly see that necessary action is taken and all my accounts regarding the credit card issued by SBI stands Closed.
R.Banerjee

fromHeadCards <head.[protected]@ge.com>
toRANJIT BANERJEE <ranjit.[protected]@gmail.com>
dateWed, Dec 31, 2008 at 3:41 PM
subjectRE:'CaseID=[protected]' Subject: Outstanding Payment for Credit Card No. [protected]
hide details 12/31/08 Reply
Dear Mr.Banerjee,
This is with reference to your communication dated December 29, 2008 regarding your SBI card account.
We wish to inform you that we have received the payment of
Rs.1500.00 vide cheque number 829993 sent by you and the same
has been sent for presentation in your bank. Please contact
our Helpline, to enquire about the status of the payment sent to us.
Further, we have taken a note of your complaint and we shall get the same resolved at the earliest. We shall revert to you on the status of the same.
We assure you the best services at all time.
Yours sincerely,
AVP- Customer Service

fromRANJIT BANERJEE <ranjit.[protected]@gmail.com>
tohead.[protected]@ge.com
dateThu, Jan 8, 2009 at 9:19 AM
subjectFwd: 'CaseID=[protected]' Subject: Outstanding Payment for Credit Card No. [protected]
mailed-bygmail.com
hide details Jan 8 Reply
Dear Sir,
I am forwarding the message from AVP Customer Sevice dated 31.12.2008 again for your reference.In this context, the said amount has been debited from my account on 31.12.2008.
I have not received any communication from your end since 31.12.2008.
I had a talk with Mr.Mannat Singh of SBI card and it has been confirmed by him that Rs.3500/- paid in july'08 was in full and final payment against my credit card.He would look into the matter and see that Rs. 1500/- paid now, can be refunded.
Kindly look into the matter and resolve the case at the earliest.
Thanks,
R.Banerjee

fromHeadCards <head.[protected]@ge.com>
toRANJIT BANERJEE <ranjit.[protected]@gmail.com>
dateMon, Jan 12, 2009 at 3:16 PM
subjectRE:'CaseID=[protected]' Subject: Outstanding Payment for Credit Card No. [protected]
hide details Jan 12 Reply
Dear Mr. Banerjee,
This is with reference to your communication dated January 08, 2009 regarding your SBI card account.
We would like to assure you that we have taken a note of your complaint and we shall get the same resolved at the earliest. We shall revert to you on the status of the same.
We assure you the best services at all time.
Yours sincerely,
AVP- Customer Service
On Mon, Jan 19, 2009 at 9:01 AM, HeadCards <head.[protected]@ge.com> wrote:
Dear Mr.Banerjee,
This is with reference to your communication regarding your SBI card account.
We would like to inform you that the necessary reversals have been given on your card account and the credit for the same will reflect ion your statement dated February 16, 2009.
Please note that your SBI card account stands inactive for usage and as on date there are no dues payable to us.
We assure you the best services at all time.
Yours sincerely,
AVP- Customer Service
fromRANJIT BANERJEE <ranjit.[protected]@gmail.com>
toHeadCards <head.[protected]@ge.com>
dateMon, Jan 19, 2009 at 10:26 AM
subjectRe: 'CaseID=[protected]' Your ref: MQ[protected] dated 13th.nov.'08
mailed-bygmail.com
hide details Jan 19 Reply
Dear Sir,
I would request you to kindly refer to my complaint dated 8th. January'09, refering to my talk with Sri Mannat Singh. I would be obliged if you would consider refund of Rs.1500/-
Thanking you,
R.Banerjee

fromHeadCards <head.[protected]@ge.com>
toRANJIT BANERJEE <ranjit.[protected]@gmail.com>
dateFri, Jan 23, 2009 at 12:42 PM
subjectRE:'CaseID=[protected]' Your ref: MQ[protected] dated 13th.nov.'08
hide details Jan 23 Reply
Dear Mr.Banerjee,
This is with reference to your communication dated January 19, 2009 regarding your SBI card account.
We would like to inform you that we are unable to process your request regarding the refund of the payment made by you.
We assure you the best services at all time.
Yours sincerely,
AVP- Customer Service

In view of the foregoing I seek redressal.This is also to bring to the notice of other customers who have been wronged, to speak out.I am sure mine is not the only case.
Yours truely,
R.Banerjee