[Resolved]  SBIcard — Harassment through phone continuing

card No.MQ0071990058756 — continuing harassment through phone

Sub: Continuing harassment in telephone- grievance reg.
Ref: MQ[protected].

Kindly note that after a brief respite threats and abuses from the ‘SBI Card Division’, Chennai have restarted reaching my telephones. My wife complaints she is also getting wild abuses and threats on our residential telephone when I am not at home.

For a self- declared and unsustainable settlement claim of Rs. 3, 500/- on a terminated credit card this illegal and inhuman practice continues unabated, despite myself having brought this to your attention. Instead of furnishing a demand notice with statement of accounts, which I have requested (if at all there is any claim) these illegal practices are being carried out relentlessly.

I request you to take immediate steps as below:

1. To put an end firmly to this ongoing harassment to which my wife and myself are being subjected.
2. Take appropriate action against these persons who are resorting to such illegal means.
3. To compensate adequately for the disgrace and harassment meted out to me and my wife for the last six months.

I request an immediate response on this issue.

Thanking you,

Yours sincerely,

Dr. K. A. Kumar

My name is Kulwant Singh
My SBI card number is [protected]

I was offered a Loan of Rs. 20, 000 by SBI Card which I accepted.
I withdrew Cash amounting to Rs 5, 000 from the ATM.
I purchased a Web site from GoDaddy.com for Rs. 500 approx() usind SBI Card.

I have Repayed every paisa of the Principal & Interest & Taxes on the amounts stated Above.

I repayed the Last instalment amounting to Rs 1100. After which I received a statement showing an amount of Rs. 480 plus outstanding in my account. This included outstanding balance of Rs 80(approx) and a Penalty of Rs 350 for late payment. And the Statement showed my account as BLOCKED.

I called the customer care and protested the penalty of Rs 350 on an outstanding balance of just Rs. 80 and expressed my desire to close my account with immediate effect.

The customer care executive very politely told me that the Penalty can be waived off but I will have to deposit the Balance Outstanding + Govt Taxes and as far as closing of the account is concerned, your account is already closed and you can dispose off the Credit Card by cutting in diogonally into 4 pieces.

I followed his advice and deposited Rs 150 in the SBI account( for good riddance).

Since then SBI card is charging me Rs. 350 each month as late payment penalty.
They are now demanding Rs 5000 plus as outstanding balance in my account.

During the period once I was offered a Settlement for Rs 740. I accepted the offer but no one showed up to collect the amount. Later I was told that the offer was a mistake and we do not settle for anything less that Rs. 1000.

Now I am receiving around 10 MISSED CALLS EACH DAY from SBI Card.

I am receiving THREATENING MESSAGES stating that SBI card will start Calling my friends and relatives for the recovery of the dues.

I am willing to pay every paisa of Principal, Interest or Govt taxes outstanding in my account. As far as penalty is concerned.. I am readly to face any legal action and I shall pay penalty only if determined payable by a “Court ”

Why does’nt SBI card take me to court if it thinks the amount they claim from me is justified?

What Mrs Kumar is saying is very true, even I am facing such an issue. The tele callers are highly impolite. As of now I have been writing to their SBI Card redressal cell, but it is been more than a month & still the calls continues. I would still await their response, if not will file a complaint.