[Resolved]  SBI Credit Cards — Late Fees & Interest despite timely payment

Address:

Mumbai City, Maharashtra

My Complaint to Mr. Ajay Bharti (V. P. Complaints) Dated[protected]

I hold card NO: [protected] since Aug-2006 issued in name of jaydip s tambaku and an add on card in name of my wife sangeeta j tambaku which was cancelled in April 2007
I would like to bring to your notice that despite paying all my outstanding bills within the due dates since the card was issued to me i have come to know that there are several reporting's to CIBIL against my name from your bank on both the cards.
Also since December 2008 despite depositing my cheques in time I was being charged late fees on my account and i've been trying to resolve the issue with your customer care executives since May 2009 to no effective result.
Due to this i cleared all my purchase out-standings in Oct 2009 deducting all the late payment fees and finance charges billed to date since Jan 2009 and paid by me in to-to with a hope that the matter will be resolved.
I'd request you to please look into the matter at the earliest and clear the CIBIL reporting at the earliest.
I'm attaching hereto the payment history details downloaded from SBI card website for your reference.

Further to bring to your notice that how low you have stooped, in your bid to extract monies from clients. Pursuant to my mail in December I'd received a call form one Mr. Rohit Bali on[protected] at 10.00 am to attend to my complaint. I explained him my grievances and asked him to check the record of my payments. He agreed that I'd had indeed been penalized despite making all the payments on time. He requested me to make a payment of Rs. 1200/- and assured that he will attend to my complaint within a week. I reiterated that I've cleared all my purchase out standings vide my payment of Rs. 8000/- in September and I do not owe any thing to the SBI Cards.

He still requested that as gesture I pay this amount and assured me that my complaint will be attended within a weeks time. In good faith and being convinced by his talks I agreed to pay Rs. 2000/- and immediately deposited the payment. I still have to hear from this gentleman person of yours who showed so much of false concern to settle the issue and convinced me to make a payment. I feel absolutely cheated. I've even mailed you the records downloaded from your website itself stating the cheque dates.

Since then there has been no communication on your part to settle the issue hence I stopped accepting the statement's sent by you since January 2010. This is where you started playing tricks. Despite rejecting to accept the fraudulent statements outright and the same being reconfirmed by a call from your side you people started sending sms that the statement has been delivered to my address on so and so date.

This went on till March. Then from April onwards I used to just get sms that the statement has been couriered to my address but the courier never came to my address for me to reject. Now comes your next trick up the sleeve. I started receiving calls form your executives again for payments. I once again explained him all my issues and even informed him of my conversation with Mr. Rohit Bali. He informed me that there is no such record of my conversation. This infuriated me and i refused to speak any further to this executive of yours. After two days one more executive of yours this time a lady called up and again started asking me to make payments. I refused that any payment is balance on my side and asked her to attend to my complaint. She again asked me to tell her what my grievances are. Do you think I've no other work and just keep repeating my issues every time your person calls up who as it is has no intention to resolve the matter but only interested in knowing when I'll make the payment.

Now this is a real innovation since last one week I'm getting calls from your call center and no one speaks from the other side.

I see all this i.e. sending sms's the blank calls as a desperate attempt to build up a case against me that despite repeated attempts from your side to resolve the matter and delivering the bills to me I'm not responding and intentionally defaulting. Please note that on two occasions I've recorded your blank calls.

Please Please be aware that you are not dealing with any common person who will get intimidated by your tricks and trades and will go any length to fight my cause. You have already spoilt my CIBIL record and I'm seriously contemplating filing a consumer complaint but my busy schedule is working to your benefit or I should have done this long back.

Hope you get the message LOUD and clear and stop all the jugglery at the earliest.

Regards


Jaydeep S Tambaku