Standard Chartered Bank Complaints & Reviews

dear Sir,

I have received a call from Standard Chartered Bank office Mr M S Paliwal on 17th Oct 08 Claiming to be an Advocate of the Standard Chartered Bank from Mobile No [protected] .Prior to that I got a call from one Mr Satbir Singh Mobile No [protected] also called me on 17th Oct 08 and threatened me with dire consequences and to arrest me .He also said that they will come with a team and arrest me and also take away all the goods from my house.Mr Satbir claimed that they want Rs 3 lacs from me .


Satbir then asked me to speak to Mr M S Paliwal Advocate.Mr M S Paliwal then claimed Rs 3 lacs for a Credit Card No [protected] that according to Mr M S Paliwal I had since 1992 of Standard Chartered Bank.

Mr Paliwal refused to give any details on the Credit Card statement and the amount I owed to the Bank.I have never held a Credit Card of Standard Chartered Bank and Iam suprised of the tactics the Bank uses, when I was never a Credit Card Holder.

I went to the Bank and met Ms Shivani at Standard Chartered Bank Gurgaon she told me that Standard Chartered Bank often uses such tactics.

May I request to take strict action against such hooloigananisn and goonda tactics taken by Standard Chartered Bank to harrass respectable citizens like me.

Hoping action against SCB Bank-Credit Crad Division

Regards

Harbinder

Hello,
Here is a short story about the 1 year long problem with SCB Credit card.

In December 2006, I have got a SCB Gold card and have not used it till March 2007. In March 07, the bank has automatically upgraded by card as PLATINUM CARD. There was no communication with me on the same.

Further to this, they have started charging Rs. 1200 every month as PLATINUM CHARGES. I have been sending complaints to head.[protected]@standardchartered.com and received atleast 10 complaint numbers. Still, no resolution. They have also added interest & taxes to this amount every month.

As I was not here in India, from March 07 - Jan 07, I have been paying the charges through the web. I have not been checking the detailed bill which was delivered to my India address.

Totally, I have paid more than Rs.60, 000 extra during this period. I have given my first complaint during March 08 and fighting with the customer care till July 08.

In July 08, the customer care person from Bangalore conveyed that Rs. 1200 is being charged for TATA AIG Insurance every month. But, I have not requested for this facility.

When I enquired about the facility of the insurance, he said the insurance company will pay the outstanding balance to SCB incase of my death / illness. NO ADVANTAGE TO THE CUSTOMER.

Also, he told me that the service should have been requested by me in 2007. There is no track in SCB's system till now. Also, I was not in India during this period and my mobile # was not active as well.

Till date (Oct 2008), they are not able to tell me who requested for this service.

To add more surprise, they forced me for a final settlement of Rs. 1, 20, 000 (actual usage was less than Rs. 70, 000). I have also paid Rs. 55, 000 as the first EMI.

When they gave me the settlement letter, it was mentioned as "THE BANK IS CONSIDERING YOUR INABILITY TO PAY THE OUTSTANDING AND WE ARE ALLOWING YOU SETTLE YOUR ACCOUNT".

I have not agreed to accept the letter as it was incorrect. I have requested them mentioning the correct reason for cancellation. They have not contacted me till last week.

Now, I got a call from their collection department today mentioning my current outstanding is Rs. 1, 48, 000.

This is a pathetic service from SCB and it is sick to use their service.

Please be careful about their hidden charges.

Hello,
This was regarding fraud transactions done on my Standard Chartered Credit Card of Rs.72000.
I am living in Mumbai and these physical transactions had done from Lucknow based Merchant on 3rd of August.
I never been in Lucknow ever and also the Stanchart Card was present with me..There have been no instances of the Card getting ever lost...
Standard Chartered had sent me the charge slip for the transactions which is a clear indication of Signature Credentials does not ever match with the signed Charge slip.
As a proof, I do have 2 transactions done on my Credit /Debit Card on 3rd of August same day in Mumbai with my Family which clearly shows my presence in Mumbai ...How can single person be at 2 places ?
I had lodged a formal complaint about same in Police Station, but still have to get positive Reply from them.
Appreciate, if any one can help me as Standard Chartered is claims that these disputed transactions is there favor and I have pay up the amount ...which is noting but a absolute cheat and a fraud case .
Regards
Prashant

Dear Sir / Madam,
This is to bring under your kind attention and knowledge that myself Dr. P. K. Singh is in receipt of a policy in my name which is forged and I have never desired for any such policy. The details of the same are as under.

Policy No. – [protected]
Plan Bajaj Allianz New Unit Gain
Frequency of Payments Annually
Sum Assured Rs. 260000
Premium Installment Rs. 20000
Payment Mode STANCHART-SCB-BALIC-HUB
Policy commencement date 28th April 2008.

The payment was automatically debited from my credit card No. [protected] issued from Standard Chartered Bank.

Nothing in the policy detail is correct except my name. My signature, photograph, father’s name, nominee’s name and all the other details provided in the policy document are forged.

Hope for the solution at the earliest possible.

Dr. P.K. Singh

Standard chartered is the most unethical foreign bank operating in india with out any respect for law of the state.I had a credit card

from them and I used it only 3 o 4 times and paid all amount.Their agent told me that it is a free card for life with out any charge and after 2 years they asked me to pay annual fee.I told them that I am not interested and they can de activate my card.After that they didn’t sent me any statement or letters .But they reported my name as defaulter to CIBIL.RBI has given clear directive that bank should sent statements and intimations regularly to customer.



It is a shame that our central bank is not taking any action against such bank.They are clearly violating RBI directives They just want to make maximum money from indians, in which ever way possible, be it unethical, fraud or day light robbery and siphone off that money to US OR EUROPE.If you have any banking relation with this bank please close it as early as possible and make sure that you have a settlement letter from them.

The more bank with them the more will you be cheated.Their customer service is probably worst I ever spoke to.They behave in most careless manner to customers

Priya Krishnaprakash
Head – Customer Care
Standard Chartered Bank,
Customer Care Unit,
19, Rajaji Salai,
Chennai 600 001.

Sub:- CARD COMPLAINT:- [protected]
Dear Sir,
Kindly note that Ms.Atreyi Dutta from your Kolkata collection office, 19 N S Road, phone number:[protected], called my residence number (which is not valid now, as I am not staying there, ) to my 65 years mother with very very filthy and abusive languages(I have full recording of that) regarding my payments.

Please note that if I am a defaulters on your payment system then you may take legal action regarding it, but calling intentionally to the residence number and threatening to the other members of family does reflect your Customer service status.

Also when I have called Ms.Dutta she has threatned me that she will do it again and again in future and I could not do anything on it. This is for your kind information I have lodged a FIR at Local Police Station, so please inform your Ms Dutta about it.

And please note that my address has been changed with effect from 12th August 2008.So please send all my bills and letters to the following address only and call only on the listed numbers.Any call to the previous number may result legal action.

Kindly treat this letter as official, and take action accordingly.

Hope for a reply from your end(if you have guts at all !!! )


Regards:-


AMITABHA CHATTERJEE Cc. HUMAN RIGHTS
SBI LIFE INSURANCE CNGR POLICE STATION
NEAR NEW BUS STAND CROSSING BOI/ RBI/KOL
SONATOREPARA
SURI:- 731101
TEL:[protected] & [protected].

NB:- FROM NOW DON, T CALL ANY OTHER NUMBERS BARRING THIS.

I have paid the total principal amount outstanding on my credit card and the Bank is asking me to pay approximately Rs 5, 000 to pay and I told them to waive it because I have aleady paid the prinicpal amount, I get a reply from the manager that, the bank has its own way to recover the moeny from me.

Total payment they are asking me to pay soley consists of interest and late payment charges only .

To,

Head – consumercomplaints

Sub: Harassment after settlement from Standard Chartered Bank. Abusive reply from bank employee ( Mr. Rajeev Bhandarkar - [protected].)
( I have paid the amount which was not spent by me )

Standard Chartered Bank Card No [protected]

Core Ref. Number.: Core Centre: Complaints / Core S-10/ 06/ M44 27th June, 06

Details.

I have started using Standard Chartered Credit Card since 16 Oct 2002.

In one statement dated 18 July 2005. I have been wrongly billed for the transaction amount Rs. 10, 956.00. These transactions are have not been carried out by me.

Till that date these was no Late Payment, No Cheque bounce.

I informed bank to block the card and informed about wrong billing. I also requested them not to charge the transactions amount of Rs 10, 956.00.

I would like to bring to your knowledge that the above mention has been carried out in the city of Bhopal where I was not present at all.

On the Photo Card without matching the signature how merchant has allowed the transactions to be happened remains a mystery to me.

Bank Executive has asked Rs 485.00 and Credit Card in original for the settlement of this issue and I have paid the same on[protected]receipt no. 10133)

After that when I again got calls for balance Payment from Mr. Inder Kant - [protected], he asked me to get in touch with Mr. Kapil Jain @ [protected].

Mr. Kapil Jain said " Your case is sounding genuine and i will help you. Then he went on leave for some days. After coming back he said "case in not with me now, I am sorry I can't help you"

I use to get calls and I was always explaining the case to every one.

One day I got call from Ms. Palak from[protected]. After expelling the case she said " Sir the only way to come out from this is that you have to pay some amount"

She said that minimum amount you have to pay is 5500.00

After this I have paid the amount which was not spent by me.

I have settled all amount related to my Photo Credit Card form Standard Chartered Bank. ( Card No [protected] ) on 21/06/08

Details are : Amount : 5500.00 Bank : ICICI Bank DD No : 114549.

Settlement letter no : NDR[protected] dated : 21 / 06 / 2008

The day I have settled I have spoken to Mr. Jatin Chawala @ [protected] before paying the amount.
I felt matter is over after this.

On 22 / 08 / 2008 15:21 hrs

I got a threatening call from Mr. Raghu Nath Yadav - [protected]. saying that I am calling from Karkardooma Court and I have warrant against you.

He asked me to speak to Mr. Kaul at [protected]

Mr. Kaul asked me to speak to Mr. Rajeev Bhandarkar at [protected].

Mr. Rajiv Bhandarkar has asked 15 min to come back.

But after 2 hrs, he has used abusive language over the phone in Hindi. He said I am not your servant. I have lot work to do, I am not free for you.
His tone was also very high and non tolerable during the talk. He was shouting over the phone. He has asked me to disconnect the phone immediately.

I am surprised that which type of people are working in Standard chartered bank.

Then I have sent SMS on[protected]

After wards I got a call from NIKHILA on 23 / 08 / 2008 from[protected] at 10:49 hrs. She has comfirmed me that you don't have any outstanding on this card and for the misbehavior we will take some action and will call back to you Tuesday 26 Aug 2008.

I am fail to understand that how your merchant has allowed transaction on photo credit card, I have sattled the amount which I have not spent. after wards your team is calling and harassing me like this.

I was promised that after settlement my Credit Card will be issued to me again.

Pl look in to the matter based on your reply I will decide for my next course of action for

Mental Harassment after settlement
Abusive Language from Bank employee . ( Mr. Rajeev Bhandarkar at [protected].)
My Queries unanswered - How your merchant has allowed transaction on photo credit card.
Unprofessional Behavior from Bank Side

Thanks,
Amit Kumar
Zonal Manager
CADD Centre
[protected]

Dear Concerned,

I am writing this mail with serious concern. Kinldy look into the matter at the earliest possible.

I am holding a visa credit card from Standard Chartered Bank, since more than 3 years and never faced the problem like this. At present I am residing in Bangalore. I used to pay the credit amount every month through cheque via courier as there is no drop box facility near to my area(I stay in Bellandur)nor do I have any Visa Online payment facility with the bank I have account with. I always send the cheque 1 week in advance from the due date. The problem started in the month of August, when I did not find the amount debited from my savings account and later on enquiring with the Standard Chartered Bank, it was reveled that, the Cunningham Road Branch where I used to send the check is closed, and executive provided me the address of Kormangla Branch. I contacted the courier agent and redirected it to Kormangala branch and also clarified with customer executive regarding the reversal of interest on late payment as it is Banks mistake of not notifying me about the address change. As the cheuqe did not get cleared from my account, even after a week I again enquired with Standard Chartered person and he asked me to stop payment as it could not be traced by the bank and also he suggested that this amount of 2076 will carry forward in next billing statement and I can pay in the September Statment. I got the Statement of 11, 894 Rs for which due date was 11 Sep(It did not include 2076Rs). I again contacted the Standard Chartered executive and he asked me to pay this months statement and for 2076Rs, a person will come to collect the cash. Now again the amount 11, 894 Rs did not got debited from my account even after crossing the due date. I again contaced with SCB and and after validating with my Cheque No .. They could not found.. I got very much pissed off by this and told the executive that Kindly send accross your person to collect the WHole amount of 11, 894 +2076 = 13970Rs.. He told one person will be coming by tommorrow i.e 24-09-08 ...No body turned up and today morning I found new statement from BAnk on my email with Rs.14974, that includes the interest plus late fee cahrge of 1004 Rs. I really got furious and contacted the customer care and the lady confirmed thatthey recieved the cheque payment of 11, 894 Rs, which is late payment and asked me to pay balance 3080 Rs either by cash by visiting the branch or by Online. I told her that I am not going to pay the any late fee and inerest as it is banks mistake and alos on previous calls customer care executive assured me that I will not have to Pay any interest.

I really feel bad, as even after being one of the esteemed customer of SCB for so many years, I am facing this problem. I belive this is not a good practice and always there is a poor response from their customer side. They are not co-operating with customers.

Kinly help me tackle the issue.

Hello,

I had Standard Chartered bank's Gold credit card which had 117000 credit limit when it was issued.
I was making its use to a good extent and was paying the dues on time.

Suddenely on a day I lost my card so I applied for a new card. This time the credit limit, without
any intimation was reduced to 83000.

Again in 1st week of May 08 I recieved a letter from the Bank stating My credit limit reduced to 10000.
I had made the full payment of the outstanding dues of nearly a lakh rupees at a go but this bull bank with out any intimation reduced the limit and when I called up the customer care, they had no answer to it. The only line I got to hear is that this is Banks cconfidential policy and cannot be disclosed to the customers.

I will really advise you all not to go for this pathetic bank's products.

I have taken a personal loan in SCB on 21st of march 2007.My loan Account no:46564888.At the time of santioning loan their executive said that there would not been any preclosing charges for my loan.But now they are demanding 5% of my outstanding amount as precloser charges.Its very high and they are not yet all give any considerations.

Dear Sir,

This has refer to you letter dated 16 September 2008 claiming an outstanding due of Rs. 573947.20 against my account. Also kindly refer my telecon had with Ms Revati dated 18/09/2008 and that of Rupam of Mumbai office dated 19/09/2008 on the above subject.

I reiterate to mention that you are harassing me by wrongly implicating and claiming a huge amount as mentioned above. Given below are my clarifications and believes that will help you to understand the entire issue.

1. To begin with, this all came as a second shock to me as I was never a defaulter in any transaction with Standard Chartered Bank. First shock have already been came in the same way as of now vide a letter 19 November 2003 for an amount of Rs. 10386.06.

2. The credit card No. mentioned in your letter ([protected]) is not matching with my credit card No. ([protected]). Also please note that my credit card limit is only for Rs. 10000, hence how I can do a purchase of such a huge amount?.

3. My credit card statement never shows an outstanding due of such an amount and till date my balance outstanding with this card account is 0.00.

4. I anticipate that this is a mere re-presentation of old wrong claim vide letter dated 19 November 2003., which has been cleared and stated by bank that the same was happened due to wrong identity.

5. I want to point out that bank can’t claim or block someone’s SB account mere of defaulter’s identity in Name and date of birth (same has explained to me by your Credit card Division) .You can very well check and confirm my identity with my Fathers Name, Mother’s Name, Photo and permanent address etc.

6. I also like to mention that I was never been in Mumbai earlier hence I have any address in Mumbai.

On behalf of above details I request to remove the Block from SB account immediately and clear me from all these claims urgently. I now request you to give me written explanation on entire thing since it is repeating.

I am highly tempted to report the same to the media detail these experiences in the columns of National daily.

Credeit card No. [protected] & [protected]
I have deposited Rs.21, 000/- in my standard bank a/c on 28.08.08 and subsequently handed over two cheques for Rs.12785/- and Rs.8149/towards card payments. I was surprised to see the statements wherein Rs.1400/-approx. has been levied towards fee for cash deposit, return cheque fee, late charges, interest, ser.charges etc. etc. which are totally undesired and unfair trade tactics. Seeing the reputation of the bank most of the times we never check the statements and make the payment. On contacting phone banking on 21.09.08 at about 2.30 P.M. Mr. Sagar informed that these charges cannot be reversed resulting in I have to complain. Only on redressal of my complaint I will make the payment otherwise I have no other option except either move to the consumer court or bring this matter in the paper. Now, I will also check my earlier statements and payments threof. if there are overcharges those should also be refunded. Thanks!

To,
The Manager,
Standard Chartered Bank
Personal Loan Department.
New Delhi.

Subject: - Usage of profane, vulgar and abusive language on call.

Sir/Madam,
This in regards to the personal loan installment. I need some answer regarding the late or non-payment of personal loan installments. What are the consequences of not making or making partial payment of personal installments?

I am sure due to any reason if the payment is not cleared; bank has the right to fine me. I do agree to make the late fee or fine or extra payment. According to the personal loan contract between me and the bank, I am liable to make go along with the bank and the rules and regulations lay down by Standard Chartered in accordance to Reserve Bank of India. However the same rules and regulations apply to the bank.

I need some answer to the question that rose after the calls, I have received from the Standard Chartered Bank collection Team. What are the methods that a customer care collection advisor should behave?

The following are the questions: -
1. Do I need to prove my worth to the bank after paying 16 installments?
2. Do I need to prove that I am not a liar?
3. What is my worth (in money)?
4. Who provided the authority to the customer care advisor to take about my integrity on the call?
5. Who provided the authority to the customer care advisor to use abusive, profane and vulgar language for me, my wife, my parent and my parent-in-law?
6. Do I need to show the proof to the bank with evidence that I was out of station?
7. Do I need to prove it to the bank whether I have the enough money to go out of station for official work?

Details regarding my personal loan account are mentioned below: -
• Account number:[protected]
• Name: - Vishal Gupta
• Address: - C-114, D. D. A. Flats, East of Kailash, New Delhi-65.
• Bank account no.:[protected]

I received calls from the collection department on regular basis. I was out of station. My wife received about 3 calls again from collection team to pay installments. The advisor at the collection helpdesk called my mobile and informed that she needs to deposit the amount today any how or face the consequences. My wife denied saying that it would me (card holder) who deals with all this. She then threatens my wife and started to use vulgar, offensive, abusive and profane language.

I would like the department to check the authentication of the call for further inconveniences. I could have also used a spy call facility to record the call and send the recording to you.

I would request you to please check into this matter. If any advisor is trying to teach me law, then according to the system I have the right to go to law. Please ask the advisor not to use any such tricks of the trade with me in the future. Not to use profane, vulgar, abusive and threatening language. I could sue and go to law for the harassment and threatening calls. Please hear the entire calls that we have received.

I would request you to please check into such cases again. I would request you to please do not call me for any non-payments. Bank has the right to sue me, take me to the court or charge me the penalty according to the rules and regulation of Reserve Bank of India.


Thanking You
Vishal Gupta.
Dated : - 18/09/2008.

I was carring SC credit card two years back and had cancelled in May 2006 after paying the compelte outstanding amount with no dues but unfortunately didnt take a confrimation letter from the bank.Now I see my name in the defaulters list of CIBIL report and unable to apply for home loan. They have actually renewed the card and that fee has gone up to Rs 6611 with all the other charges.

Standard Chartered people like Nitin Aggarwal and Tajuddinn from the MG Road branch, bangalore dont know how to treat a customer they actually harrassed me making me wait for almost 3 hours for a statement and did nothing at all and came out with a message as Server Down and have called me after 2 days. God Knows what may happen.

But I would not prefer SC in future for any of the transsactions as the people and the bank are stinking like hell and dont have any value for their customers.

I had excellent credit history for more than 10 years. Bank forced upgraded card over telephone, which i did not wanted. I had gold card free for life time for which life time fees was paid by me. The said card was cancelled on issue o[censored]pgraded card, which i never wanted. They did not issue the gold card, which was paid for by me for lifetime. They did not refund the fees either. I withheld their last payment. Want compensation for deficiency in service. Now they are threatening with dire consequences including picking me from my residence by police.

Madam / Sir,

Three weeks back a person named Kumar from the Standard Chartered bank, Mylapore, called my home in India at 10.00 PM and said that I have done some transactions in my credit card. He used bad language to frighten my Father and asked him to come to the branch, the next day. My father went there and confirmed them that I have canceled my card one year back. They continued to insist and knowing that I am in US, they framed stories like I would have lost my card. My father didn't know what credit cards I am using and so he came out confused. When I said to my father that there has been no statement from the bank so far and asked him to communicate the same to the bank.

The bank created a faulty statement and sent to my home immediately. From then on I am contacting the customer care directly every week. But no one has responded in a proper manner. The complaint number is KMM768144I15977L0KM. Every time a different person will answer the mail and they will not have full information about the complaint. So far, four persons from the customer care has replied and no one bothered to answer the complaint. They are simply cutting and pasting the information every time.

I can prove to them that the card is canceled and I am holding the canceled card now to falsify the bank stories about losing the card. I always held SC in high regard. I was holding a savings bank account two years back and I found the customer care to be very good compared to other ones. But now I started to question the integrity and credibility of the bank.

I request the bank to act in honestly and accept faults frankly, if there were any mistakes from the bank. I still don't know how much time I have to spend on this issue. I putting in here and some other forums to get the attention of higher authorities in the bank.

Sincerely,
Rajasekar Ramalingam

standard charted bank issue me credit card Courier by ur company on his parcel mantioned ress. address so ur team not delivered parcel when i coinfirmed ur cc she says that on his parcel alternet address mantioned (office address) but i am not delivered this aderess but she not disclosed my problem please coinfirm me that which time i recieved this courieer
MY AWB NO-[protected]


DEEPAK GUPTA
([protected])

I am a supplementary card holder. My father was the primary card holder. He became a paralytic patient and couldnt sign if he needed anything, hence i would sign on my card and buy things. I bought a few things which exceeded the card limit but keeping in mind the standard policy of paying in part I started making huge part payments and was able to pay off a lump sum amount. My mother in law was detected with cancer last stage and my father was detected with renal problems both of whom were staying with me. My husband had to leave his work to take care of them and i was the sole income getter into the family, my salary was not sufficient to pay off medical bills and yet i was paying whatever little amount i could pay to the bank. both of them are no more and the bank is asking me to pay an amount which they say is reduced in emi which again is too high.

this just goes to show that when they need customers they beg and crawl and when it comes to such circumstances they pounce. I am willing to pay the reduced amount but over a longer period of time. But they dont seem to understand that.

My standard charted bank card [protected] expired in around dec 2002. Not done any transaction after my card expired. Not received any due statement or call from the bank till date. Yesterday after 6 years received call from bank that my 30000 due is pending. This was against my purchase of 1700. In nov 2002. I told to send me the statement. They told no statement can be generated after the card has been expired. Caller suggested me to pay 1700 the due payment and obtain some latter of account closing.

Please help not received any statement or call from the bank this is surprise to me. Tell me what to do.