[Resolved]  Standard Chartered Credit Card — Bank not sending statement and thereby charging Late payment

Address:

East Delhi, Delhi

Grievance against STANDARD CHARTERED Credit Card Department

I am an old customer of Standard Chartered (SC) credit card (CC) and would like to express my concerns and problems I have faced recently due to inappropriate handling of my credit card related issues.

I believe the SC CC which I have been using is as old as four years. I must say that I was quite happy with the service, until two years back when the back started having issues with its statement delivery. All of a sudden the statements used to be skipped and there were late payments charges. I hope the bank maintains a log so that they can see this in their record.

I got my self registered into e statements also to avoid that situation.

Now, this time the last statement recd was for August 2010. Post that I did not receive any statements, because of the CWG Games I also could not follow up and BTW there no e statements sent also. I was travelling abroad when someone called my home and too a payment of Rs 11 605; this was around 1st week of Nov 2010.

Again no statements, no alerts and I had made expenditure during my travel; therefore I called the bank on 24 Dec 2010. A lady called Usha picked up the phone. After going thru the story, she says the following:
1. my email id on record is prathaa instead of Parthaa, therefore I may not have been receiving the e statements
2. my mobile no on record was different, but the mobile number which she said was more than an year old and was by intention shared with all my banks!
3. Lastly she says, there is an outstanding of Rs 70,803 and last date of payments is 31 dec 2010. whereas the statement recd today morning says ‘immediate’ and balance as Rs 46,504.89.
4. She took a request to send me the statements, but that is only as of 08 Nov 2010. Does it mean that if there was any more money to be paid to the bank, I do not have pay that? Or this means that bank would send that statement even later so it also comes another late payment fee!!!!! Like this one which came with an late payment free, interest + s charges which comes to around Rs 2300/- ?

I simply do not understand this. I am not a new customer that my records are not available with the bank.

I request you to look into this matter and take action appropriately. As a helpless customer with no choice I have no other go except to pay the amount I am asked for.

With kind regards,

Parthaa Bosu