[Resolved] Standard Chartered Bank Credit Card

[Resolved] Standard Chartered Bank Credit Card — Wrong levy of charges

R ramdas Nayak from Bengaluru, Karnataka

Dear Sir, I have been thier customer since 1995 and have been regular in paying all my dues including a credit card loan of Rs 65000/- my card no is [protected]. I have settled the loan on telephonic confirmation since I was not given any written document of final closure inspite of several request and I paid Rs 53795/- by cheque no 0700138 drawn on HDFC bank Koramangala branch Bangalore and which is cleared on 16/08/2007 . In my next statement I found a balance of 4400/- to which I asked how the same arrived to which I received some precooked stories and I asked for a details in writing I have not received. I then received call from thier unprofessional agents in November 2007 whom they hire to haress defaulters from tel no [protected] who was using unprofessional and low level hindi language, the calls however stopped when I informed you customercare that I would go for police complaint or complaint in consumer forum. However recently I have started receiving call from your legal department in Mumbai who especially during quarter end that payment due is now 9000+ when asked for details in writing they informed that my card is blocked and statement cannot be generated then how come the charges are levied and they are further requesting me to settle by paying an adhoc amount . I would mention that so far they are descent in their behaviour . However I would like to mention that I feel the calls are made to achieve the quarter end targets and if they are insisting on settlement then the dues are not genuine, and they are blackmailing me that you name will be defaulters list and you wil not get any loan . I have written a copy of the complain to Bankingombudsman . please help Was this information helpful? No (0) Yes (0)
Aug 14, 2020 Complaint marked as Resolved
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Comments

Gopal

from Hyderabad, Telangana

My sister has had a similar experience. She had migrated overseas, paying off all dues as stated in Standard chartered statement. They had orally assured that they would be sending the closure statement soon. But she continued receiving balance statements, increasing day by day, adding interest to so called unpaid amounts. When she came back to india, she met the bank person and explained everything to him, to which he said the account will be closed once she pays a certain amount. She paid this amount also. When we demanded closure certificate, he said that he has informed us of the amount, as a special settlement, and still there is Rs5000 pending, though they will consider the account closed and not send any more demands. But we shall be treated as defaulters and intimated to the bankers council to get out credit rating in the negative. To avoid this, we needed to pay another Rs5000. We very strongly felt this was cheating of the first order, refused and filed a complaint. Till now we have not heard anything from the bank

Ram

from Ernakulam, Kerala

Hi,

Good you have taken it up with Banking ombudsman, just make sure you have created enough proof in the form of letter, emails or statements. If possible ask for a letter through courier to say how did they collect the 50, 000 or so from you before? and what did they agree on the remaining payment.

Ask them for a letter asking for the split up, even though they may not be able to generate statementss, ask them to give the break up in terms of latefee, interest etc before and after your settlement of 50K+.

Build enough documentation, thats the key. Also have a mobile phone where you can record calls just incase they use foul languages, we can really go against them.

Vimal T. sharma

from Ahmedabad, Gujarat

Credit Card — Levi of charges

i am very happy to say u that i am regurlar customer of your bank .and i have regular paid my due amt.
but your bank charge very high charges in my card.

but sorry to say and feel that your bank just find way to create source of finance. it is not to take care of customer . so i heartly request u to make such adjusment and take necessary steps for such matter.

the matter is :- i only borrow arounding 6000rs but your bank again and againg levies charges on my account . and i have no ability to pay such amt bacause i am salary person and i use it for limited purpose although i have paid arounding15000rs for such charges .but i[censored] verify my statement u find that there is outstanding balance is arounding 31000 which is out of my ability .

so, i heartly request you to inquire in such matter and make such steps .

you must communicate about such matter me on my cell no :- [protected]

if your need any other information and clarification, i will glad to provide the same.