[Resolved] Standard Chartered Bank / Credit Card — Fraud by Standard Chartered Bank(NO STANDARD BANK) | |
Hi, This is to bring to your notice regarding the PATHETIC NEGLIGENT SERVICE provided by Standard Chartered Bank for an ONGOING ISSUE since 2005. Issue Details:- In 2005 :- - A Sales rep, Mr. Sachin Kumar (M:[protected]), standing in front of my office (Flextronics Gurgaon) had a pre-approved card with my details & credentials on the card [NOT ACTIVATED]. He mentioned that our organization had some collaboration with standard chartered so all employees are privileged with the pre approved gold card. This NOT ACTIVATED CARD was handed over to me. (I never realized this was a part of CHEEP MARKETING STRATEGY) KEEP THIS IS MIND THAT I NEVER APPLIED FOR ANY CREDIT CARD (So till that point I never submitted any document) - On the verification call, they realized that the birth date mentioned in their database was incorrect; hence they blocked this card (Which was not activated) and promised the delivery of a DUPLICATE CARD/NEW CARD with correct details and asked me to send the Address Proof and DOB proof to them. > As this was My first time experience with credit card I was trapped in their cheep marketing strategy. - On the call I had mentioned that the delivery address should be my residential address - However, I NEVER RECIEVED THE DUPLICATE CARD -I RECIEVED A CALL AFTER 15-20 DAYS ASKING "IF YOU ARE GETTING PETROL FILLED FOR Rs500/-". I CONFIRMED, IT WAS NOT ME USING THE CARD AS I HAVE NOT RECIEVED IT. The card should have been BLOCKED ideally; however standard chartered people did not bother taking any action. - A month later I RECIEVED A BILL WITH AN AMOUNT OF Rs60,000 AND CHANGE, I CALLED STANDARD CHARTERED and INSTANTLY LODGED A COMPLAINT AS MY CARD WAS BEING USED BY SOMEONE ELSE. I REQUESTED AN INVESTIGATION ON THIS FRAUD. - Asking for a CASE NUMBER, the representative said they don’t create case numbers, for further reference she asked me to refer her name which is "MEGHA/MEGH" - Even after making so many complaints to this company, when I received ANOTHER BILL with an amount of 79787.31, THIS WAS REALLY ANNOYING - On calling the customer care again on 16th Feb 2006, they confirmed case is already with the fraud investigation department, which made me bit relaxed and did not get further involved. Also, since I did not receive any bills further, I assumed the case is resolved. - And moreover I had to shift to Bangalore for work… QUESTIONS:- WHY THE DUPLICATE CARD WAS DELIVERED IN ACTIVE STAT (READY TO USE)? This bank does not have answer. WHY DID NOT THE AGENT GIVE ME CASE NUMBER? This bank does not have answer. WHERE IS THE DELIVERY NOTE? (PROOF OF DELIIVERY) On my multiple requests so far they have never provided. WHO SIGNED THE DELIVERY ACCEPTANCE? This bank does not have answer. ISN'T THIS CRITICAL ENOUGH TO BE DELIVERED TO THE OWNER ITSELF? This bank does not have answer. In 2009:- - when my credit card application (with a different bank) was rejected, reason being my name is in the defaulter's list, I realized that NO ONE HAS WORKED ON MY CASE, IT IS STILL PENDING - Went to Kormanagala (Bangalore) branch of standard chartered , they said they don’t handle credit card issues, however, the lady still sent an email with all the credit card number details to the relevant department with my current phone number, they promised a call back within 2 days, FOR ALMOST A MONTH I NEVER RECIEVED A CALLBACK. - Calling again to the standard chartered people after 4 years, NO AGENT IS EMPATHETIC ENOUGH TO LISTEN TO THE CASE PATIENTLY. - Every other day I had to call them, narrate my incident again and again every time I called and they promised a call back, in two days. - Finally on Thursday i.e. "9th April 2009" I got a call back from a lady named KANIKA, WHO WAS NOT SURE WHY I WAS EXPECTING A CALL BACK, so again I had to narrate my whole incident. SHE WAS SHOUTING INSTEAD OF TALKING OR DISCUSSING THE ISSUE WITH ME, NOT WILLING TO LISTEN AND JUST BLAMING ME THAT I DID NOT FOLLOW UP WITH THE CASE. SO DID KANIKA MEAN THAT I NEED TO REMIND THE BANK GUYS YOU NEED TO WORK? This bank does not have answer. - I had send her all the supporting documents on her FAX[protected], she confirmed that she had received the fax - KANIKA promised me a call back on "10th April 2009", after not receiving her call when I called on her direct landline[protected] which she gave me, they kept the phone on hold and finally disconnected the call. - SO STANDARD CHARTERED IS NOT READY TO HELP and NOT WILLING TO WORK After around 1 hour I got a call from Kanika, who was again not trying to understand the issue, on my request the phone was handed over to her manager "Rashmi Mallik - Recovery Dept", I had to explain the issue again to her, initially they blame for not knowing the reference number for the call, I had to make a silent conference call to Support line just to prove that STANDARD CHARTERED DOES NOT PROVIDE REFERENCE NUMBERS, the agent who answered the call on "10th April 2009" was "Nandini Subramini".Finally they asked me to forward this case AGAIN to Fraud department, NOW HOW AM I GOING TO GET THE UPDATES, I WANT IT TO BE DONE ASAP SO MY NAME IS REMOVED FROM DEFAULTERS LIST. SO I DO NOT FACE ANYMORE HARRASMENT OF GETTING LOAN/NEW CREDIT CARD REJECTED. The card details are mentioned below: Primary Card: [protected] (This was handed over to me by Sachin Kumar agent standing at the office gate) Duplicate card: [protected] (Never received this card) Card number mentioned on the bill. Address on their record: C-7/ 26-27, sec 5, rohini, new delhi 110085. (Now it has changed to Bangalore address) Landline phone on your record: 27047596 Mobile Phone no on your record: [protected]. (Now it has changed to Bangalore mobile number) Note:- (Now the New address and phone is updated after my continuous effort.) >> Attaching the documents which I received. >> "Credit card"[protected][protected][protected]| > Handed over to me By Sachin Kumar (Standerd Chartered Agent) in front of office Gate. "Card delivery agent detail for primary card"[protected]| > Handed over to me By Sachin Kumar (Standerd Chartered Agent) in front of office Gate. "Card delivery mail"[protected][protected]-------| > Handed over to me By Sachin Kumar (Standerd Chartered Agent) in front of office Gate. "bill 1"[protected][protected][protected]-------| > First bill received at residence address after which I called the support line and the agent name is scribbled on it. "Bank Note"[protected][protected][protected]| > After receiving this I called the support line again to know the status, and the agent confirmed the case is escalated for fraud investigation on 16th FEB 2006. "Bill 2"[protected][protected][protected]-----| > Second bill received at residence address again. REGARDS, ANKIT KHANNA Email: ankit.[protected]@gmail.com Phone: [protected] Was this information helpful? | |
Aug 13, 2020 Complaint marked as Resolved | |
 6 Comments | |
Comments
looks like someone young got this card - he must be using a bike - because the petrol charges are too less for a car
He must have a girl friend because he has bought something from a jewels shop
He must be someone who likes to flaunt - he spent twice in paras ayurvdic slimming center.
You should have filed a police complaint long bank - now after 5 years looks difficult to track down that guy. Still you should consider that option.
See the card was in your name - and that means you are held responsible for the expenses on the card however since the charges are disputed but you did not file a police complaint it has become your responsibility.
Now 5 years down the line - stan chart must have already reported you as a defaulter in CIBIL so nothing much can be done there.
If I were you I would have asked stan chart to settle this account for some pennies like 5k or 10k. But before handing over a single penny get a settlement letter duly signed and stamped and pay the settlement amount in full in one shot.
The settlement will not do much good to your credit rating as it is still going to reflect as written off however stan chart will not call you again.
The written off status will remain on cibil report for next 7 years so keep that in mind, you can even leave the matter as it is for another few years - stan chart has already dubbed you as defaulter long back and there is nothing much they can do.
Should they bring up this case to courts you hold better weightage as you have already informed stan chart about the fraud
So either settle with pennies or keep mum there is nothing much stan chart can do, if recovery agents come to your door call the police and show them the door.
He must have a girl friend because he has bought something from a jewels shop
He must be someone who likes to flaunt - he spent twice in paras ayurvdic slimming center.
You should have filed a police complaint long bank - now after 5 years looks difficult to track down that guy. Still you should consider that option.
See the card was in your name - and that means you are held responsible for the expenses on the card however since the charges are disputed but you did not file a police complaint it has become your responsibility.
Now 5 years down the line - stan chart must have already reported you as a defaulter in CIBIL so nothing much can be done there.
If I were you I would have asked stan chart to settle this account for some pennies like 5k or 10k. But before handing over a single penny get a settlement letter duly signed and stamped and pay the settlement amount in full in one shot.
The settlement will not do much good to your credit rating as it is still going to reflect as written off however stan chart will not call you again.
The written off status will remain on cibil report for next 7 years so keep that in mind, you can even leave the matter as it is for another few years - stan chart has already dubbed you as defaulter long back and there is nothing much they can do.
Should they bring up this case to courts you hold better weightage as you have already informed stan chart about the fraud
So either settle with pennies or keep mum there is nothing much stan chart can do, if recovery agents come to your door call the police and show them the door.
This posting seems to be 6 month old now. Hey, did you manage to see any positive update or close the issue?
These guys are just cheater, I am repenting doing business with them... The support service is so pathetic . same problem you will have to explain to 30 people evrytime they will ask the story from begining . and will make you so frustrated theat you will start crying..
I had an issue with credit card, and end up paying lot extra because of their issue.
I had an issue with credit card, and end up paying lot extra because of their issue.
They have reduced my cc limit to 35000 when i have unlimited and platinum cards on all the other banks. They have sent one sms saying they are sending some hotels add on card for X amount which i never wanted in the first place. When i ask them to cancel my card because i do not need it anymore, they say there is a 4000 rs cancellation fee plus interest for the lame hotel card fee they sent. I have not used a single transaction on that card for months. This is day light robbery. My only concern is this will lead to unnecessary ink on my clean credit history. I do not know what to do...any suggestions?
no option to give 0 rating to them? that's why need to give 1 :(
Customer satisfaction rating Customer satisfaction rating is a complex algorithm that helps our users determine how good
a company is at responding and resolving complaints by granting from 1 to 5 stars for each
complaint and then ultimately combining them all for an overall score.
Read more
Read more
48%
Complaints
1721
Pending
0
Resolved
777
+91 11 3940 4444
+91 11 6601 4444
19, Rajaji Salai, Chennai, Tamil Nadu, India - 600001
Standard Chartered — NEGLIGENT SERVICE
ONGOING ISSUE since 2005.Issue Details:-
In 2005 :-
- Sales rep, Mr. Sachin Kumar ([protected]), standing in front of my office (Flextronics Gurgaon) had a pre-approved card with my details & credentials on the card [NOT ACTIVATED]. He mentioned that our organisation had some collaboration with standard chartered so all employees are previleged with the pre approved gold card. This NOT ACTIVATED CARD was handed over to me.
- On the verification call, they realised that the birth date mentioned in there database was incorrect, hence they blocked this card and promised the delivery of a DUPLICATE CARD with correct details
- On the call I had mentioned that the delivery address should be my residential address
- However, I NEVER RECIEVED THE DUPLICATE CARD
-I RECIEVED A CALL AFTER 15-20 DAYS ASKING "IF YOU ARE GETTING PETROL FILLED FOR Rs500/-". I CONFIRMED, IT WAS NOT ME USING THE CARD AS I HAVE NOT RECIEVED IT. The card should have been BLOCKED ideally, however standard chartered people did not bother taking any action.
- A month later I RECIEVED A BILL WITH AN AMOUNT OF Rs60,000 AND CHANGE, I CALLED STANDARD CHARTERED and INSTANTLY LODGED A COMPLAINT AS MY CARD WAS BEING USED BY SOMEONE ELSE. I REQUESTED AN INVESTIGATION ON THIS FRAUD.
- Asking for a CASE NUMBER, the representative said they dont create case numbers, for further reference she asked me to refer her name which is "MEGHA/MEGH"
- Even after making so many complaints to this company, when I recieved ANOTHER BILL with an amount of 79787.31, THIS WAS REALLY ANNOYING
- On calling the customer care again on 16th Feb 2006, they confirmed case is already with the fraud investigation department, Which made me bit relaxed and did not get further involved. Also, since I did not receive any bills further, I assumed the case is resolved.
QUESTIONS:-
WHY THE DUPLICATE CARD WAS DELIVERED IN ACTIVE STAT ( READY TO USE)?
WHY DID NOT THE AGENT GIVE ME CASE NUMBER?
WHERE IS THE DELIVERY NOTE?
WHO SIGNED THE DELIVERY ACCEPTANCE?
ISN'T THIS CRITICAL ENOUGH TO BE DELIVERED TO THE OWNER ITSELF?
In 2009:-
- when my credit card application (with a different bank) was rejected, reason being my name is in the defaulter's list, I realised that NO ONE HAS WORKED ON MY CASE, IT IS STILL PENDING
- Went to Kormanagala (Bangalore) branch of standard chartered , they said they dont handle credit card issues, however, the lady still sent an email with all the credit card number details to the relevant department with my current phone number, they promised a call back within 2 days, IT HAD BEEN ALMOST A MONTH I NEVER RECIEVED A CALLBACK.
- Calling again to the standard chartered people after 4 years , NO AGENT IS EMPATHETIC ENOUGH TO LISTEN TO THE CASE PATIENTLY.
- Every other day I had to call them, narrate my incident again and again everytime I called and they promised a call back, in two days.
- Finally this Thursday i.e "9th April 2009" I got a call back from a lady named KANIKA, WHO WAS NOT SURE WHY I WAS EXPECTING A CALL BACK, so again I had to narrate my whole incident.SHE WAS SHOUTING INSTEAD OF TALKING OR DISCUSSING THE ISSUE WITH ME, NOT WILLING TO LISTEN AND JUST BLAMING ME THAT I DID NOT FOLLOW UP WITH THE CASE. SO DID KANIKA MEAN THAT I NEED TO REMIND YOU YOUR WORK?
- I had send her all the supporting documents on her FAX[protected] , she confirmed that she had recieved the fax
- KANIKA promised me a call back on "10th April 2009", after not recieving her call when I called on her direct landline[protected] which she gave me, they kept the phone on hold and finally disconnected the call.
- SO STANDARD CHARTERED IS NOT READY TO HELP and NOT WILLING TO WORK
After around 1 hour I got a call from Kanika, who was again not trying to understand the issue, on my request the phone was handed over to her manager "Rashmi Mallik - Recovery Dept", I had to explain the issue again to her, initially they blame for not knowing the reference number for the call, I had to make a silent conference call to Support line just to prove that STANDARD CHARTERED DOES NOT PROVIDE REFERENCE NUMBERS, the agent who answered the call on "10th April 2009" was "Nandini Subramini".Finally they asked me to forward this case AGAIN to Fraud department, NOW HOW AM I GOING TO GET THE UPDATES, I WANT IT TO BE DONE ASAP SO THAT I CAN GET CREDIT CARDS AND LOANS.
CURRENTLY :-
1) I WANT MY CASE TO BE SOLVED ASAP
2) WANT TO KNOW EXACT STATUS OF MY CASE
3) EXPECT RESPONSIBLE BEHAVIOUR FROM YOUR EMPLOYEES
The card details are mentioned below :
Primary Card: [protected] (This was handed over to me by Sachin Kumar )
Duplicate card: [protected] (Never recived this card)
Address on your record: C-7/ 26-27, sec 5, rohini, mew delhi 110085.
Landline phone on your record: 27047596
Mobile Phone no on your record: [protected]
MY UPDATED MOBILE PHONE NO: [protected]
>> Attaching the documents which I recived. >>
"Credit card.jpg"[protected][protected][protected]| > Handed over to my By Sachin Kumar (Standerd Chartered Agent) in front of office Gate.
"card dilivery agent detail for primary card.jpg"[protected]| > Handed over to my By Sachin Kumar (Standerd Chartered Agent) in front of office Gate.
"card dilivery mail.jpg"[protected][protected]-------| > Handed over to my By Sachin Kumar (Standerd Chartered Agent) in front of office Gate.
"bill.jpg"[protected][protected][protected]-------| > First bill recived at residence address after which I called the support line and the agent name is scribled on it.
"Bank Note.jpg"[protected][protected][protected]| > After reciving this I called the support line again to know the status, and the agent confirmed the case is esclated for fraud investigation on 16th FEB 2006.
"bill 2.jpg"[protected][protected][protected]-----| > Second bill recived at residence address again.
NOTE:- I HAD TO MOVE TO BANGALORE BECAUSE OF WORK, AND OPENINGTHE CASE HERE AS I DO NOT GET A CORRECT SOLUTION. MY UPDATED MOBILE PHONE NO: [protected].