[Resolved]  SBI Credit Cards — Threatening and Harrasing call from SBI- Mahim Branch for payments to be made

Address:

Mumbai Suburban, Maharashtra

Dear Sir,

I used to hold an SBI card no [protected] around 3 to 4 years back. This card was discontinued by me, as I was not happy with the services recieved by them.

To brief you on the matter, I used to receive statements on my SBI card very irregularly, this was hampering my activity of keeping track of my payments being done as I hold several cards. Quite a no.of times I have complained about this calling SBI call centers., but the situation did not improve and I used to receive subsequent statement with late payment fee & penalties, where I had not received the actual bill on expense. Not only that , there were not a single drop boxes around to drop these payment cheques, even the SBI ATM centers would not except the credit card payment cheque. On calling the call center, they would arrange for a pick up. This was always not suitable for me as I was a frequent traveler. All other cards that I hold had a tie up with SKYPACK collection boxes. I was told that SBI did not have any such tie up. With all this confusion I decided to cancel my SBI card. Therefore I called up the call center and put in a request for cancellation for which they replied that this card had a outstanding, therefore I asked them to send me the relevant missing statements & I would clear the expense actually incurred by me and no penalties would be paid as it is not my fault if SBI had problems delivering statements on time. They told me that they have logged the request and the required statements would come to you in a week. After this also the statements did not arrive for 2 weeks and I had to call up again. After which I received a set of 7 statements. Based on this I arranged cleared the complete outstanding on the actual expense incurred by me (after reconcilling the same with the SBI call center executive) for Rs 14765.77 thru cheque no 000069 drawn on Kotak Mahindra Bank dated 17.08.06, against the outstanding reflecting in the last statment of Rs 23506.53.This cheque was collected from me from Indore, were i was travelling and I was promised that this account would be closed and settlement letter would be subsequently malied to my residence.This was explained to Ms.Shibani who had called from SBI - Delhi, who promised me look into it and clear the account. Since then I recieved no calls nor any statements, hence I believed that the matter was closed.

But since past few month, I started receiving calls again to clear the outstanding on my card. Also they again started sending me the statements again, which i have not recieved for last few years. I have started recieving calls from SBI - Cards Mahim Branch from different officers each time asking me to clear the outstanding which they communicated to me is some Rs 40,000 + or we will have to sort this out in Court were you will have face a lot of problems of hiring a lawyer and attending to court When I communicated that the account was settled and the matter closed a long time ago. They informed that it is not so & there is still an outstanding. Even after giving the reference and arranging give them the copies of the those statement thru which the account was closed, they disagreed and asked me for the settlement letter and also went to extent of very rude and threatening behavior. The mistake from me would be that, I didnot follow up for the settlement letter then, when I had made the payment, as i beleived the matter is laid to rest and never had a past experience in handling this type of issue. The lady who spoke to me for the last time introduced herself to me as Ms. Anita who informed me that, we would now meet in court. Since then I have recieved 2 notices from some Delhi based law firms..

I hold more than 6 to 7 cards of various reputed banks since last 15 years and have never faced this kind of service and behavior ever.This is why I am writing to you guys for help..

Thanks & Regards
MUKESH SHERIGAR.