[Resolved]  Standard Chartered Bank Credit Card — Harassing a normal customer by Standard Chartered

Currently I am having a very horrible experience with the Standard Chartered bank staff. I had taken a credit card from this bank in the year 2005. I had settled the outstanding amount of 20, 695 and the executive who came to collect the cheque and he said my account will be settled I had confirmed this by calling the Bank executive and he said this account will be settled. I walked into the Standard Chartered bank in M.G. Road and spoke to one of the executive by name Ramesh and he confirmed to me that my account will be settled. I get a call on 8th of April 2008 exactly after 2 and half years from Standard Chartered bank that I need to pay the Bank 1, 160 rupees as balance and they have blacklisted my name in the Credit Bureau. My point is that why was not there a communication since 2 1/2 years regarding this outstanding amount. I have not received any e- mail or any statement or not even a telephone call stating that there is something outstanding on my card. When I spoke to the executive by name Fatima she tells me that since my amount was not a huge one thats the reason I was not informed about it and it has come to the final collection which is why they are calling me. Fatima is asking me to show any settlement document handover by SCB. As a normal customer how will I know these procedures and moreover I was promised by Priya from cunnigham road branch Bangalore that I will receive the settlement letter by courier. I have not changed my address or the telephone number and if they say a statement was sent to my address I would like to know the docket numbers of the courier.They are asking me to pay 8500 as outstading amount from 2 and half years. I would like to take this up with RBI Ombudsman and sue Standard chartered for not informing the customer about the outstanding amount in the first place and calling the customer after 2 and half years and asking for such a huge amount to be paid to take the name out of the blacklist from Credit Bureau. This is cheating the customers in a broad daylight. I need help in sorting this out I do not wish to pay for some one else's mistake.Please help
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Aug 14, 2020
Complaint marked as Resolved 
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Standard Chartered Credit Card — Harassing a normal customer by Standard Chartered

Dear Sir / Madam

I am holding credit card of "standard charted " Bank . Card Number is " [protected] " . I got one DD of Rs 18750 with the credit card on dated 10'th August 2005 . According to the salesman this DD was the offer with credit card and if i will use it then i need to pay the amount back to Credit card / bank (can be in EMI) and if i will not use it then it will not be transferred to my credit card account . I received this credit card in Aug/ 2005 (there was not any requirement of money but still salesman gave it to me as a free offer with card- forcefully )

I have not received even a single notice or any phone call from Bank till June / 2008 . I have not used the DD of Rs 18750 (and it was expired after six month of issue), suddenly after three year Bank people called me for recovery of Rs 18750 which i have never used . Now the total Amount that i need to pay is Rs 54000 (as per recovery people) . I tried to explain them that DD is not liquidate till now, i never used even a single rupee. even the DD is not transferred to my account . everyday recovery people are calling me now and they are not ready to even listen me . This is totally a mental harassment . I request you to solve the issue ASAP .

Recovery people are not even listening a single word ., they are trying to threaten me from last 3-4 days, misbehaved with me and my family very badly, This type of harassment from a very reputated Bank is really very shameful .

Non -compliance of be aforesaid issue at the earliest will lead to seek all other options in this regard .
Hi, What has happened since you posted your complaint here? I have also posted mine today, but I am not sure if this site helps in any way. Please share your experience with me.
Thank you so much!!
I am having a night mare with Standard Charted Bank, the staff who are dealing with me are trained “Torturers" they know how to provoke the customers and extract the money, with money I went to Raheja Chambers on M.G. Road, to settle the dues, and not a single staff is ready to help me or listen to my plea, I met a security personal seated in place of the receptionist he is everything there a security man a reception an advisor all in one, mine was not exceptional case there were several people cursing and walking away from there, I waited for 45 minutes, and in a fit of anger I came back, the next day I got a call and again the same provoking language, I told the Lady that I visited your Bank but no one took the responsibility, to which she replied "so you ran and came away from there is it" I told her that I am was fasting and had to come back, to which she replied " what Sir you are fasting and not paying us “again provoking language”, I wanted to meet Mr. Rajat Mythri he is suppose to be the Manager that’s what I was told by the security and explain to him how the system is working but they wouldn’t allow me to meet him, I requested the staff to give his email id so that I can write a mail to him even to this they didn’t budge, that is the state of Standard Chartered Bank, rather I call it “Standard Torture Bank” They have the Audacity to go to the extent of even my religion and my family. The staff is trained how to personally injure a person, provoke him and extract money, I asked the names of these women who spoke to me; they give all false names as Priya, Reshma and what not. I am not denying the payment part of it, but the approach towards customers are horrible, they sound as English speaking slum dwellers. They even challenged me and threatened me as rowdies. On the other hand they force you down the throat to take their credit cards. I am waiting for the day when I can meet the right Person from Standard Chartered Bank explain to him the whole issue and clear up the dues and wash away my hands once for all.

Wherever I see the logo of “Standard Chartered Bank “I dread, my thrat becomes dry and a chill passes down my spine.
After reading this note please contact me on my email id, and I am ready to clear up the dues even at midnight. I am sorry for being harsh with you’ll but “only the wearer of the shoe knows where it pinches”
Trust me you are 100% correct, these guys including zonal manager are like this, I want to present them a baby Nipple they call family members to threat the card holder like a school kids like in school kids complaint to parents

there is lady called ANNU man trust me you can't talk to her I never seen such a down market person not even in slum you can find some one like that ...she calls customer beggar hope she should know that she is having food every day on the customer money and looks like she is Bill gates daughter, works for 5 k a month she thinks she is from heaven and she doesn’t know that their bank marketing persons are standing all around the place and beg us to take loan / credit card

They are down market recruitment and that’s how they have been bought up not sure how these people go home and sleep.. The fun part is they need an appointment to meet the crap collection agent (think they are movie start)
Where true . I would always suggest that those bank who doesnt have permission to open more than 9 branches in India, we should not be taking credit card from them. Instead of CBIL, we should create our own Blacklist for Banks as
Barclay Bank --- Worst Bank-- Daicots Category
Standard charter Bank- Priates Category
HSBC- Theif category
ICICI bank- Burglar Category
SBI- Polictician category..

We are just helpless citizen .. We dont have option ..but its the right time to teach them a lesson.

I really strongly agree to what you say...even I am exactly in the same position...but i proved them that the fault is at SCB end...please go ahead and sue them...All the best

You should look at all the communication that you had with them including any letter or email exchanges. Also ask them for the letter saying card is blocked because of non payment, this is a requirement as per RBI guideline before reporting the card member to CIBIL, if they have sent any letter ask them for a reference number of the courier.

In your case since you have settled some sort of outstanding, you can ask them to let you know how did that balance reduce? If they made any effort to ask you that money if so what effort? Ask all these in writing (letter or email) so that it acts as a proof. You have a huge list of people who are suffering along with you. My advise is once you take this up, give them 30 days for a final confirmation if you dont get anything positive then you can take this case with Banking Ombusdman, RBI redressal forum.

They would call for hearing, you should build your case/documentation because no one believes honesty in this world. Its a matter of BLACK and WHITE.

My Question after reading all these comments is, how many have settled the matter and how many have told the bank GO TO HELL< TAKE ME TO COURT< I WILL SETTLE THE MATTER THERE.

Do you think the bank can go to court with defaulters and get their money. How many haev done this?How many have actually experienced going to court after receiving the a lawyers notice and got the matter settled?
Send us the comments so that we can also take the same step.This attitute MUST STOP, Banks are our mercy and yet they treat us like pigs!!!
I have used SCB card since February 2009. I have already cleared my all dues and at present my outstanding is 0 (zero). But I could not used the card since last 2 months. When I produced my card at hotel or purchase of fuel for my car, the payment declined by SCB. I am working in a reputed organisation in executive level. Therefore, I loose my status among others.
Standard Charted bank harrasing me to pay the amount outstand of CC, which i didn't take.
Even they are telling i took this in hyderabad in 2005, that time i working in kolkata. And htey are telling i worked for Some Software company that time, that also wrong.

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