Standard Chartered Bank — Wrong selling ans unwanted charges levied in my credit card

Address:

Bangalore, Karnataka

Dear Sir,

This is to address you the issues I am facing in my credit held with Standard Chartered bank and would like to indicate the total mismanagement, miscommunication, trap,, wrong selling and lack of abitlity to resolve the issue.

I am holding platinium credit card withStancbank for last 4 years.
Name:Shahin Azeez
Credit Card No:[protected]

This issues has been already put across to the Stanc team but till now I have not recieved any solution from them.
Infact I have sent concern mails to the senior officers but they have not shown any courtesy to acknowledge my mails.

I was having smooth transaction with Stanc and I was not having any due until I accepted one Royal Sundaram Insurance offered by Stanc.
I have took this insurance by listening the encouraging words from the stanc executives , who have never came back to me once the they sold this product to me.
Subsequently I was issued another three policies because of the confusions and miscommunications by these executives.
Later I was shocked to see that there are lot of big debits in my account followed by some hidden charges.
It is really sad to see that they are breaking trust of a customer by doing such wrong selling and miscommunications.
I am requesting with Stanc from Feb 2012 to immediately cancel all the policies and reverse my all the charges levied in this card.
I told them to make my card zero so that I can start fresh transaction or to cancel the card at the earliest.
I have called and spoke to over 20 executives but everything gone vain.
Even most of this executives confessed that they are not clear about this transactions and they themself confused by my card transactions.
Atlast after months of consistent follow up I have recieved a mail fro stanc mentioning they have credited back the complete amount of 2 policies out of 4 policieswhich has debited from my card.
And they have credited a part of the third policy to my account eventhough it was clearly instructedby my side to credit the whole same account.
Apart from this they have not credited back the amount they have debited in the form of late payment fees, over due charges happened due to this policies.
They have communicated to me that they wont be able to reverse the late paymentdue compnay standard policies.
But this so called professionals are failing to understand this charges are caused by these policies and if the policy amount got revised then they should reverse this charges associated with this..
After given a detail education regarding this issue by me, they still are not able to figure out the real issue.
I am surprised to understand that even after I raised this issue with the Stanc nodal officer , I have not recieved any concrete solution.
Evrytime I get a call from new executives explaining new theory to me and will promise me to revert back to me but again no result.
The latest shocking reply I got with charges of above Rs.10,000/- and this is also without any proper calculations.
And most pathetic part is that this charges is against the policies which they reversed. If the policy is reversed then any charges associated with also should be reveresed.
This is really getting worse and pathetic where it has done a lot of damage to me.
So request you to please help to resolve this and to reverse all the charges levied by Standard Chartered credit card as i am not recieving any support from Stanc.

Please note that I have not done any transactions in my account for nearly one year and my credit card account was with no liabilies till I took this policy offered by Stanc.

Apart from this Stanc should compensate for the mental traumaI went through, the loss of money by calling this executives, loss of energy and waste of time

This is to make sure that no other customer should go through such a horrible time by such an unprofessional treatment.

Request your intervention to resolve this and help me to get out from this total confusion created by Stanc.

Awaiting for your favorable reply.

Warm Regards

Shahin Azeez

[protected]