[Resolved]  State Bank of India — Recovery agent wants to sell my wife to recover amount which is not used by me or my wife.

Kind Attn: Mr. Ajay Bharti

This is to inform you that my wife Mrs.. Bhavna Bhatt alias Bhavna Bhatt holds an SBI card. The card no is
[protected]. Now coming to the issue, this card along with other six different banks card had been issued to her long before our marriage. In June 2005, we got married and she changed the billing address of all the cards including SBI card. All other cards took 6 to 7 days to change the address, this included the time for address verification. But till date SBI card address is not changed. We made around 78 to 80 calls in 2005 to the call center but every time I was given assurance, but the result would be same. Some of that call was made from STD of which the bill is still filed with me. Then I called up your Delhi Office, they told me to contact Mumbai Office at MIDC, Andheri East, and submit a formal application with a guy named Rajesh. Did that, even have acknowledgement of that letter, but the result was same again. Cutting it short, submitted around 13 application in that office but the result was same as expected. In between these time our payment history became pathetic because we would not receive any statement. Even tried changing address from this website but...same result. The service standard is really pathetic (Sorry to say u but thats the truth). I have made file of all these and even showed it to collection boys to let them tell it to their boss. The bill used to reach at my In-laws house of which sometime I used to get the details but most of the time, it never reached me. The real problem started when in the early 2006, my in-laws changed their residence. After that, I never ever received any statement. I only made payments in between when someone called me for payment. I used to request them to change the address like a beggar does for a penny. But I was given only assurance. So no payments were made from side. I always intended to pay the amount but was really helpless. You can check the difference of payment status before and after June 2005. I didn't receive any call or anything from SBI but since last few months, Me and my wife are receiving calls from SBI as they are trying to convince me to settle down. The caller name is Ajit, Ajay and Arif. All the three guys are same, I mean he is the guy who is changing his name and calling up. One can easily make it from the voice. First they convinced me to settle the account for which i insisted to change the address and then will do so. But as my wife was fed up of these nonsense, she told me to settle the account. That guy told me to pay Rs.3000 in cash of which I will receive the receipt from Delhi court since the matter was under legal dept. I was unaware of the truth and didnt knew the settlement rule, so I had no option other than to give him the cash to the collection boy named Mithilesh Yadav. He even made me talk to his senior. But I laid one condition that only if I get the receipt, I'll clear the cheque of Rs.10000 which was the first instalment of the settled amount (Rs. 20000 was the settled amount in two instalment of Rs.10000 each). Much to my amazement, I didnt receive the receipt, so I didn't clear the receipt. This happened to me for the second time. Once in the November 2007, a guy called up asked for the minimum amount of Rs.1700 to be paid for which he gave me the receipt as well. After two days of paying the amount of Rs. 1700, I received a call from SBI Mumbai asking me to make a payment of Rs. 1700, when I told them that i've already done that and told the name of the collection boy, their answer was that the guy had left the job on the same day and took sbi receipt with him and collected couple of payments and absconded. They were not ready to take the blame and pressurised me to make the payment but i didnt succumb to their pressurisation. Altogether till date Rs. 4700 has been duped by SBI. Nowadays, couple of rowdies (I'm using this term after hearing the way they talk) are calling me and my wife and using foul languages and asking me to make the payment otherwise they are going to sell my wife and recover the amount. Is this the way an employee or an outsourced employee of your company talks. Could you please let me know where is our fault? If you want I can send you the photocopies of all the relevent document of address change procedure through which I went. Its has got everything to prove myself right. If you at any point feel that I am saying all these because I want to avoid payment, then for your kind consideration, I can even send you the payment history (statement) of my 9 cards and my wife's 7 cards. I was thinking of clearing the dues but now I'm only going to make the payment as per the statement of June 2005.I dont even need any instalment, I'm capable enough to pay lumpsum. I dont want any settlement. All those interest levied on me was not because of my mistake. It was SBI's mistake. Due to these sevice standard, all my and my wife's friends cancelled their SBI card. I wonder, how your company can take this negative publicity. Please do me one favour, Kindly take my matter to the court of law, where i'll be in a position to represent myself. I am seriously considering to opt for Banking Ombudsmen or Consumer court since at SBI no one is competent enough to come up with the solution and as far as abuses from your employee are concerned, have already made a police complaint of that. I didnt wanted to go this far because I dont have time to do all this but now after this mental torcher, I am determine to take up this issue until there is some concrete solution. I was proud of the fact that I dont get angry and no one has the ability to make me angry, whatever the situation may be. But this proudness of mine was shattered by SBI. I'm really angry. The height of patience of mine has been crossed by SBI.

Please reply back with what you think I should do. I seriously don't need any solution, just want to know, what you would have done if you would have been at my place.

Awaiting your reply at the earliest, though I know I wont get any reply from your side but still there is still some hope left

Thanks & Regards,
Rajeev Jha

( The above statement has also been sent to Mr. Ajay Bharti, Head Customer complaint cell, SBI Card on 17th October 2008 but still there is no reply from their side even after sending them reminder. Website says that the complaint would be taken care of in 3 days)