Comments
SBI Card — Wrong charge of interest and penalty charges
Letter No : Ltr001-668.DocDate : 15-Oct-08
Ref : Card Statement
Sub : Wrong Billing of Interest
Dear Sir / Madam,
At the cost of reiteration I would like to state that the April 07 payment was made late because we had not received the statement and at that time it was confirmed on phone from your side that no interest or finance charges would be levied .
At that time I was instructed to make the payment of the statement amount less the additional charges levied thereon . Hence we have made such payments for the amount of the usage of our card minus the finance / late charges levied .
Thereafter All the statements have been paid on time, and I am surprised to note that the finance charges are continued to be levied on the guise of part payments of the account statements .
I have always made full payments of the monthly statements for the usage of the card . If charges which are not to be levied are levied on the account, I cannot be accused of making part payments .
Hence I reiterate that all the Finance / Late Payment / Interest / GST etc charges debited to my account be reversed immediately .
I am giving here-in-below the details of the balance in the amount in the card is due to the wrong debits charged to my account right from April 07 onwards .
On the contrary the cash back credited to my account for Rs. 1071.00 is due to be payable to me .
Kindly reverse all the unnecessary charges debited to my account at the earliest .
Further to inform you that we have been receiving calls from your call centre guys for the payment and are tired of informing them again and again that the balance in the account is due to the interest charged wrongly by you and no amount is payable by us, but amount is receivable by us of Rs. 1071.00 . I have therefore to request you to sort out this matter at the earliest and STOP all such calls to me with immediate effect .
I have written this letter a lot of times however i have not received any response . On the contrary i am receiving constant phone calls for payment creating unnecessary stress and mental disturbance to me . This is literal harrassment and if this is not stopped i will have no alternative but to take legal action .
The following is the statement of reconciliation of the account as per our books and as per your statements . It gives a list of the wrong debits charged to our account .
SBI Card A/c No [protected]
Account Reconciliation Statement as on 07-Aug-08
Particulars Amt Rs. Amt Rs.
Balance as per our Books -1071.00
Add : Items
Date Name of Party Particulars Amt Rs.
27-Jan-07 Belapur Automobiles Petrol Txn Fee short reversed ( 26.20 instead of 29.33 ) 3.13
03-Nov-06 Belapur Automobiles Petrol Txn Fee short reversed ( 27.30 instead of 30.56 ) 3.26
09-Nov-06 Belapur Automobiles Petrol Txn Fee short reversed ( 27.58 instead of 30.87 ) 3.29
03-May-07 Finance Charges ( 00001 ) Amount not payable since statement of April 07 not received in time and interest / finance charges charges wrongly charged . Actual usage amount for the month paid in time . 278.09
03-Jun-07 Interest Charges Amount not payable since statement of April 07 not received in time and interest / finance charges charges wrongly charged, for the month as well as the interest amount not payable for delay in April 07 statement . Actual usage amount for the month paid in time . 399.23
03-Jul-07 Interest Charges Amount not payable since statement of April 07 not received in time and interest / finance charges charges wrongly charged, for the month as well as the interest amount not payable for delay in April 07 statement . Actual usage amount for the month paid in time . 475.71
03-Aug-07 Interest Charges Amount not payable since statement of April 07 not received in time and interest / finance charges charges wrongly charged, for the month as well as the interest amount not payable for delay in April 07 statement . Actual usage amount for the month paid in time . 257.24
03-Sep-07 Interest Charges Amount not payable since statement of April 07 not received in time and interest / finance charges charges wrongly charged, for the month as well as the interest amount not payable for delay in April 07 statement . Actual usage amount for the month paid in time . 946.43
03-Oct-07 Interest Charges Amount not payable since statement of April 07 not received in time and interest / finance charges charges wrongly charged, for the month as well as the interest amount not payable for delay in April 07 statement . Actual usage amount for the month paid in time . 378.21
03-Nov-07 Interest Charges Amount not payable since statement of April 07 not received in time and interest / finance charges charges wrongly charged, for the month as well as the interest amount not payable for delay in April 07 statement . Actual usage amount for the month paid in time . 344.11
07-Dec-07 Finance Charges ( 00001 ) Amount not payable since statement of April 07 not received in time and interest / finance charges charges wrongly charged, for the month as well as the interest amount not payable for delay in April 07 statement . Actual usage amount for the month paid in time . 382.72
07-Jan-08 Finance Charges ( 00001 ) Amount not payable since statement of April 07 not received in time and interest / finance charges charges wrongly charged, for the month as well as the interest amount not payable for delay in April 07 statement . Actual usage amount for the month paid in time . 367.29
07-Feb-08 Finance Charges ( 00001 ) Amount not payable since statement of April 07 not received in time and interest / finance charges charges wrongly charged, for the month as well as the interest amount not payable for delay in April 07 statement . Actual usage amount for the month paid in time . 307.83
07-Mar-08 Finance Charges ( 00001 ) Amount not payable since statement of April 07 not received in time and interest / finance charges charges wrongly charged, for the month as well as the interest amount not payable for delay in April 07 statement . Actual usage amount for the month paid in time . 190.70
07-Apr-08 Finance Charges ( 00001 ) Amount not payable since statement of April 07 not received in time and interest / finance charges charges wrongly charged, for the month as well as the interest amount not payable for delay in April 07 statement . Actual usage amount for the month paid in time . 148.21
07-May-08 Fee Late Payment / Finance Charges / GST Amount not payable since statement of April 07 not received in time and interest / finance charges charges wrongly charged, for the month as well as the interest amount not payable for delay in April 07 statement . Actual usage amount for the month paid in time . 559.07
07-Jun-08 Fee Late Payment / Finance Charges / GST Amount not payable since statement of April 07 not received in time and interest / finance charges charges wrongly charged, for the month as well as the interest amount not payable for delay in April 07 statement . Actual usage amount for the month paid in time . 168.09
07-Jul-08 Fee Late Payment / Finance Charges / GST Amount not payable since statement of April 07 not received in time and interest / finance charges charges wrongly charged, for the month as well as the interest amount not payable for delay in April 07 statement . Actual usage amount for the month paid in time . 537.31
07-Aug-08 Fee Late Payment / Finance Charges / GST Amount not payable since statement of April 07 not received in time and interest / finance charges charges wrongly charged, for the month as well as the interest amount not payable for delay in April 07 statement . Actual usage amount for the month paid in time . 559.41
0.00 6309.33
5238.33
Less : Items
Date Name of Party Che No Che Rs.
0.00
0.00 0.00
Balance as per Card Statement 5238.33
Cross Tally 5238.33
Please acknowledge .
Yours Sincerely,
CA M. N. Choksi, Partner
M. N. Choksi & Co., Chartered Accountants
301, Adeshwar Darshan, Ram Maruti Road, Thane (W) – 400 602 .
Tel : +[protected] Fax : +[protected] .
Email : [protected]@mncandco.com ; [protected]@gmail.com
“ This e-mail message may contain confidential, proprietary or legally privileged information . It should not be used by anyone who is not the original intended recipient . If you have erroneously received this message, please delete it immediately and notify the sender . The recipient acknowledges that MNCC, is unable to exercise control or ensure or guarantee the integrity of / over the contents of the information contained in e-mail transmissions and further acknowledges that any views expressed in this message are those of the individual sender and no binding nature of the message shall be implied or assumed unless the sender does so expressly with due uthority of MNCC . Before opening any attachments please check them for viruses and defects . “
State Bank of India Credit Card Services — Excessive Fee Charged.
Even though I have never defaulted in payment for the last 5 yrs, SBI card services charged me excess amount of Rs. 721.45 as the words & figures of the cheque doesn't match. As per RBI rule, incase of variance, bank will consider the word, and as per that I have not defaulted. Instead SBI card services send me a statement charging me unbankable invalid fee, late payment fee and also interest for delayed fee, which about 50% of the due payment. They could have contacted me immediately after collecting the cheque, as the difference is easily noticable, and I have written my mobile number behind the cheque. Instead they have sent a post dated letter after 15 days. Services provided is absolutely bad. I have SBI credit card and received SMS for shortly receiving for statement every month but not received statement. I have not used credit card but some amount is payable shown in SMS. How i can pay
dear sir i had sbi c.c no;[protected] which is already setteled 6 months back and i got letter also but now i got new statement of all dues kindly do needful to this card is closed 8 months back
Sony System PVT LTD — Decrease Credit Limit
Hi,I am Kamlesh my request is for decresing the credit limit to Rs 800/- which is Rs/- 3000 today.
Please do the needfull as soon as possible.
Thanking You
Sony Ericsson Mobile — charging of rs10 everyday without any reason
sir i have accidently subscribed to your service and am being chareged rs 10 everyday without me downloading anything.i would be obliged if you deactivate this service.my phone number is [protected]. Dear SBI Card Team,
Let me congratulate to all team members and the head of SBI cards for having a very competitive and efficient team. This is with regards to mail below which was send to me by head of the cards division as a system generated response but to my utter surprise (mail below is dated 27 March 2009 23:31) your head of cards division has not found enough time to get back to the customer till date.
Regards
Manoj mishra
From: HeadCards [head.[protected]@ge.com]
Sent: 27 March 2009 23:31
To: Manoj Mishra
Subject: RE:'CaseID=[protected]' RE: FW: {Spam?} FW:'CaseID=[protected]'Statement Error
Dear Sir / Madam,
Thank you for writing to SBI Card.
This is a system-generated response to acknowledge receipt of your e-mail. The subject
line contains the reference number allotted to your e-mail. This interaction is being tracked
through the above reference number and we request you not to change the subject line in
future correspondence. We shall revert to you with in 3 working days.
In case your query requires further investigation and takes a longer time, we will keep you
informed on the time required for resolution.
We would request you to mention your SBI Credit Card Account / Card number in all your correspondence to enable us to process your request at the earliest.
Assuring you of our best services at all times.
Warm Regards,
SBI Card Team
SBI Card Team
From: Manoj Mishra
Sent: 27 March 2009 23:13
To: 'head.[protected]@ge.com'
Subject: RE: 'CaseID=[protected]' FW: {Spam?} FW: 'CaseID=[protected]'Statement Error
Dear Sir,
This is with reference to the bank statement which has not been stopped in spite of many requests though the amount was fully paid and request for waiving the balance amount of Rs.282.16 was propounded against my points which I had earned through purchase (Ref mail below).
I would request you to look into this and stopped all your mail communication which I am still receiving with increase of amount in statement, please go through the below mention mails as they are self explanatory. You may call me on my cell +91 [protected] for any further query.
Thanks and regards
Manoj Mishra
________________________________________
From: feedback.gesbi [mailto:feedback.[protected]@ge.com]
Sent: 16 October 2008 15:52
To: manoj.[protected]@tajhotels.com
Subject: RE:'CaseID=[protected]' FW: {Spam?} FW: 'CaseID=[protected]'Statement Error
16 Oct 2008
Dear Mr. MANOJ KR MISHRA,
Thank you for writing to SBI Cards.
This is with reference to your communication dated Sep 27 2008 5:11PM .
We are deeply concerned about your decision to terminate your card account with SBI. Please reconsider your decision and advice us of your decision.However, your card account stands inactive and there is minimum amount due is Rs.282.16.
Should you have any further queries on your SBI card account, would request you to reply at feedback.[protected]@ge.com using the same subject line or please contact our helpline at 39020202 or [protected] (only for MTNL and BSNL users). Our customer service Representatives on the Helpline will now be available between 8 am and 8 pm, Monday to Saturday. To access information between 8 pm and 8 am or Sundays regarding your outstanding Balance, Available credit and cash limits, payments made, billed and unbilled transactions, to request for a Duplicate statement/ATM PIN or to block a lost card, please use the IVR service at the same Helpline numbers.
If you are not satisfied with the response, you can write in to AVP, Customer Service, using the same subject line. You will receive a response within 3 working days.
Yours sincerely,
Mobena Rafiq - Customer Service
Please note that the current rate of GST is calculated as 12.36% on the Fee, interest and charges as applicable.
Effective October 01, 2008, the finance charges will be revised from 3.1% p.m. (37.2% p.a.) to upto 3.35% p.m. (40.2% p.a.). This is for all card types except Elite and Platinum cards.
To know more about Payment options, Duplicate statements, Website & free reward points on E-statement registration, please click the SBI Card attachment.
Make your life simple with E [protected]@ www.sbicard.com. Just the convenience of getting your monthly statement delivered directly to your email inbox. To avail the e-statement facility, please click on the highlighted link - https://www.sbicard.com/sbi/estatementprelogin.jsp
**** Zero wait information @ helpline !!!
Upon calling the SBI Card helpline, access your Card account information through our Automated System - IVR and know Current Outstanding, Last Payment, request for Duplicate statement and more. For details refer the attached instruction.
Please note that the current rate of GST is calculated as 12.36% on the Fee, interest and charges as applicable.
-----Original Message-----
From: Manoj Mishra
Date: Saturday, September 27, 2008 05:02 PM
To: feedback.[protected]@ge.com (feedback.[protected]@ge.com)
Subject: FW: {Spam?} FW: 'CaseID=[protected]'Statement Error
TO
Manager - Customer Service,
Further to the mail below Rs 9218 has been paid through chequeno-097106 on date 25/09/08 against the credit card outstanding (no-[protected]).Mr Biplab collectors name and receipt no 253196 .
I would request you to stop all communication from your end also to remove my name and numbers from your mailing list so the future correspondent does not take place.
I have already communicated to cancel my card for which a lady from Chennai has already promised me during her call.
Thanks and regards
Manoj Mishra
-
----Original Message-----
From: manoj mishra [mailto:[protected]@yahoo.co.in]
Sent: Monday, September 15, 2008 11:05 PM
To: feedback.[protected]@ge.com
Cc: manoj mishra
Subject: {Spam?} FW: 'CaseID=[protected]'Statement Error
TO
Manager - Customer Service,
This is to inform you that i would like to cancel the card with immediate effect and my card no is -[protected] exp 04/08.
I have received the statement and the due would be paid within due date, if you could please adjust all my points before final settlement.
I would not appreciate any communication with this regards.
Manoj Mishra
--- On Mon, 24/12/07, Manoj Mishra Subject: FW: 'CaseID=[protected]'Statement Error
To: "Manojmishracal" <[protected]@yahoo.co.in>
Date: Monday, 24 December, 2007, 11:27 PM
Manoj Mishra
-----Original Message-----
From: feedback.gesbi [mailto:]
Sent: Sunday, November 18, 2007 7:54 PM
To: manoj mishra
Subject: RE:'CaseID=[protected]'Statement Error
18 November, 2007
Dear Mr Manoj Mishra,
Thank you for writing to SBI Cards.
This is with reference to your communication dated November 18, 2007.
Outstanding Related :
We would like to share with you that we have being receiving partial payments on your card account, as against the total amount due payable to us on your card account. In our prior correspondences, we have informed you that, in case the payments are missed or outstanding on the card is received less than the total amount due, then interest charges are applied on the balance amount, thus the payment starts revolving on the account, this is also applicable on all the fresh charges incurred, in the same month by the cardholder. Thus, we reiterate as we are unable to reverse the charges levied on your card account.
May we request you to make early arrangements to pay the amount to avoid any further incurring charges on the card account. The Current Outstanding as of date, on your card account is Rs 45, 023.48 payable to us.
In case of any further queries on the SBI Card, we would request you to reply at feedback.[protected]@ge.com using the same subject line or call our 24 hours, 7 days a week, at our local Helpline number 39020202 or[protected]for BSNL and MTNL users).
Yours sincerely,
Manager - Customer Service
-----Original Message-----
From: Manoj Mishra
Date: Sunday, November 18, 2007 05:05 PM
To: feedback.gesbi (feedback.[protected]@ge.com)
Subject: RE: Statement Error
TO
Manager - Customer Service,
With your ref to the reply on 17/11/07 i would like to take this in consumer forum for fare judgment, therefore all payments pertaining to this card is stopped till the time guidelines from court is not received.
My lawyer will proceed with this for necessary action and intimate the same to you.
Thanks
Manoj Mishra
-----Original Message-----
From: feedback.gesbi [mailto:feedback.[protected]@ge.com]
Sent: Saturday, November 17, 2007 7:46 PM
To: manoj mishra
Subject: RE:'CaseID=[protected]'Statement Error
17 November, 2007
Dear Mr Manoj Mishra,
Thank you for writing to SBI Cards.
This is with reference to your communication dated November 13, 2007.
Charges :
We wish to inform you that, we dispatch your statements on the 3rd of every month. Kindly note that the maximum interest free credit period available against your SBI card is upto fifty days. However, the actual tenor of credit depends upon the timing of the purchase, and the outstandings from the previous statement.
For instance, if your billing cycle is the 25th of every month and you make a purchase on the 26th of September, it will be billed in the next statement (i.e. October 25th). So you will get a total of 50 days credit free period (September 26th to October 25th = 30 days + 20 days (till payment due date).
Please note that it takes 4-5 days for your payment to reach us. So, we request you to please send your payment according to same time frame.
We would like to share with you that we have not received payment on your card account within the payment due date i.e October 23, 2007, as against the total amount due of Rs 34, 468.31 payable to us against the statement dated October 03, 2007 on your card account. In our prior correspondences, we have informed you that, in case the payments are missed, then interest charges and late payment fee are applied on the balance amount, thus the payment starts revolving on the account, this is also applicable on all the fresh charges incurred, in the same month by the cardholder. Thus, we reiterate as we are unable to reverse the charges levied on your card account.
In case of any further queries on the SBI Card, we would request you to reply at feedback.[protected]@ge.com using the same subject line or call our 24 hours, 7 days a week, at our local Helpline number 39020202 or[protected]for BSNL and MTNL users).
Yours sincerely,
Manager - Customer Service
-----Original Message-----
From: Manoj Mishra
Date: Tuesday, November 13, 2007 11:27 PM
To: feedback.[protected]@ge.com (feedback.[protected]@ge.com)
Subject: Statement Error
To
Customer care
SBI Card division,
Dear Sir,
This is with the ref of your statement for Card No-[protected]
Exp-04/08 where I Manoj Kr Mishra have been charged for late payment of Rs
579 and interest charges on purchases for Rs 1105
I would like to mention the perpetual delay of statement, which never comes
on time and moreover the statement for last month where due date was 0n 3rd
Nov, an amount of Rs 20, 000 Thousand was paid well before the due date by
chq no 86939 and was deposited in drop box on 1st November. On 3rd November
a gentleman called up from Delhi on my cell to make a minimum payment and
he was informed about the payment of Rs 20, 000 thousand., however on 5th nov
when I received new statement the above charges were part of the statement.
If you could kindly make me understand about
* Late payment charge on 27/10/07 where the due date was 3rd nov.07
* Interest charges on purchase, where no purchase has taken place.
Please also note that, on account of reoccurrence of this kind of statement
will compel me to seek legal action and cancellation of card.
Waiting for revert.
Manoj Mishra
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intended recipient/s and may contain material that is CONFIDENTIAL AND
PRIVATE COMPANY INFORMATION. Any review or reliance by others or copying or
distribution or forwarding of any or all of the contents in this message is
STRICTLY PROHIBITED. The opinions expressed are those of the sender, and do
not necessarily reflect those of the Company. If you are not the intended
recipient, please contact the sender by email and delete all copies; your
cooperation in this regard is appreciated.
Save a tree...please don't print this e-mail any documents unless you really need to. -- Experience classic luxury and legendary Taj hospitality at our landmark US hotels: The Pierre, New York; Taj Boston and Campton Place, San Francisco. Visit www.tajhotels.com for reservations and additional information.
-- DISCLAIMER: This email (including any attachments) is intended for the sole use of the intended recipient/s and may contain material that is CONFIDENTIAL AND PRIVATE COMPANY INFORMATION. Any review or reliance by others or copying or distribution or forwarding of any or all of the contents in this message is STRICTLY PROHIBITED. The opinions expressed are those of the sender, and do not necessarily reflect those of the Company. If you are not the intended recipient, please contact the sender by email and delete all copies; your cooperation in this regard is appreciated.
Save a tree...please don't print this e-mail any documents unless you really need to. -- Experience classic luxury and legendary Taj hospitality at our landmark US hotels: The Pierre, New York; Taj Boston and Campton Place, San Francisco. Visit www.tajhotels.com for reservations and additional information.
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DISCLAIMER: This email (including any attachments) is intended for the sole use of the intended recipient/s and may contain material that is CONFIDENTIAL AND PRIVATE COMPANY INFORMATION. Any review or reliance by others or copying or distribution or forwarding of any or all of the contents in this message is STRICTLY PROHIBITED. The opinions expressed are those of the sender, and do not necessarily reflect those of the Company. If you are not the intended recipient, please contact the sender by email and delete all copies; your cooperation in this regard is appreciated.
________________________________________
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Let me congratulate to all team members and the head of SBI cards for having a very competitive and efficient team. This is with regards to mail below which was send to me by head of the cards division as a system generated response but to my utter surprise (mail below is dated 27 March 2009 23:31) your head of cards division has not found enough time to get back to the customer till date.
Regards
Manoj mishra
From: HeadCards [head.[protected]@ge.com]
Sent: 27 March 2009 23:31
To: Manoj Mishra
Subject: RE:'CaseID=[protected]' RE: FW: {Spam?} FW:'CaseID=[protected]'Statement Error
Dear Sir / Madam,
Thank you for writing to SBI Card.
This is a system-generated response to acknowledge receipt of your e-mail. The subject
line contains the reference number allotted to your e-mail. This interaction is being tracked
through the above reference number and we request you not to change the subject line in
future correspondence. We shall revert to you with in 3 working days.
In case your query requires further investigation and takes a longer time, we will keep you
informed on the time required for resolution.
We would request you to mention your SBI Credit Card Account / Card number in all your correspondence to enable us to process your request at the earliest.
Assuring you of our best services at all times.
Warm Regards,
SBI Card Team
SBI Card Team
From: Manoj Mishra
Sent: 27 March 2009 23:13
To: 'head.[protected]@ge.com'
Subject: RE: 'CaseID=[protected]' FW: {Spam?} FW: 'CaseID=[protected]'Statement Error
Dear Sir,
This is with reference to the bank statement which has not been stopped in spite of many requests though the amount was fully paid and request for waiving the balance amount of Rs.282.16 was propounded against my points which I had earned through purchase (Ref mail below).
I would request you to look into this and stopped all your mail communication which I am still receiving with increase of amount in statement, please go through the below mention mails as they are self explanatory. You may call me on my cell +91 [protected] for any further query.
Thanks and regards
Manoj Mishra
________________________________________
From: feedback.gesbi [mailto:feedback.[protected]@ge.com]
Sent: 16 October 2008 15:52
To: manoj.[protected]@tajhotels.com
Subject: RE:'CaseID=[protected]' FW: {Spam?} FW: 'CaseID=[protected]'Statement Error
16 Oct 2008
Dear Mr. MANOJ KR MISHRA,
Thank you for writing to SBI Cards.
This is with reference to your communication dated Sep 27 2008 5:11PM .
We are deeply concerned about your decision to terminate your card account with SBI. Please reconsider your decision and advice us of your decision.However, your card account stands inactive and there is minimum amount due is Rs.282.16.
Should you have any further queries on your SBI card account, would request you to reply at feedback.[protected]@ge.com using the same subject line or please contact our helpline at 39020202 or [protected] (only for MTNL and BSNL users). Our customer service Representatives on the Helpline will now be available between 8 am and 8 pm, Monday to Saturday. To access information between 8 pm and 8 am or Sundays regarding your outstanding Balance, Available credit and cash limits, payments made, billed and unbilled transactions, to request for a Duplicate statement/ATM PIN or to block a lost card, please use the IVR service at the same Helpline numbers.
If you are not satisfied with the response, you can write in to AVP, Customer Service, using the same subject line. You will receive a response within 3 working days.
Yours sincerely,
Mobena Rafiq - Customer Service
Please note that the current rate of GST is calculated as 12.36% on the Fee, interest and charges as applicable.
Effective October 01, 2008, the finance charges will be revised from 3.1% p.m. (37.2% p.a.) to upto 3.35% p.m. (40.2% p.a.). This is for all card types except Elite and Platinum cards.
To know more about Payment options, Duplicate statements, Website & free reward points on E-statement registration, please click the SBI Card attachment.
Make your life simple with E [protected]@ www.sbicard.com. Just the convenience of getting your monthly statement delivered directly to your email inbox. To avail the e-statement facility, please click on the highlighted link - https://www.sbicard.com/sbi/estatementprelogin.jsp
**** Zero wait information @ helpline !!!
Upon calling the SBI Card helpline, access your Card account information through our Automated System - IVR and know Current Outstanding, Last Payment, request for Duplicate statement and more. For details refer the attached instruction.
Please note that the current rate of GST is calculated as 12.36% on the Fee, interest and charges as applicable.
-----Original Message-----
From: Manoj Mishra
Date: Saturday, September 27, 2008 05:02 PM
To: feedback.[protected]@ge.com (feedback.[protected]@ge.com)
Subject: FW: {Spam?} FW: 'CaseID=[protected]'Statement Error
TO
Manager - Customer Service,
Further to the mail below Rs 9218 has been paid through chequeno-097106 on date 25/09/08 against the credit card outstanding (no-[protected]).Mr Biplab collectors name and receipt no 253196 .
I would request you to stop all communication from your end also to remove my name and numbers from your mailing list so the future correspondent does not take place.
I have already communicated to cancel my card for which a lady from Chennai has already promised me during her call.
Thanks and regards
Manoj Mishra
-
----Original Message-----
From: manoj mishra [mailto:[protected]@yahoo.co.in]
Sent: Monday, September 15, 2008 11:05 PM
To: feedback.[protected]@ge.com
Cc: manoj mishra
Subject: {Spam?} FW: 'CaseID=[protected]'Statement Error
TO
Manager - Customer Service,
This is to inform you that i would like to cancel the card with immediate effect and my card no is -[protected] exp 04/08.
I have received the statement and the due would be paid within due date, if you could please adjust all my points before final settlement.
I would not appreciate any communication with this regards.
Manoj Mishra
--- On Mon, 24/12/07, Manoj Mishra Subject: FW: 'CaseID=[protected]'Statement Error
To: "Manojmishracal" <[protected]@yahoo.co.in>
Date: Monday, 24 December, 2007, 11:27 PM
Manoj Mishra
-----Original Message-----
From: feedback.gesbi [mailto:]
Sent: Sunday, November 18, 2007 7:54 PM
To: manoj mishra
Subject: RE:'CaseID=[protected]'Statement Error
18 November, 2007
Dear Mr Manoj Mishra,
Thank you for writing to SBI Cards.
This is with reference to your communication dated November 18, 2007.
Outstanding Related :
We would like to share with you that we have being receiving partial payments on your card account, as against the total amount due payable to us on your card account. In our prior correspondences, we have informed you that, in case the payments are missed or outstanding on the card is received less than the total amount due, then interest charges are applied on the balance amount, thus the payment starts revolving on the account, this is also applicable on all the fresh charges incurred, in the same month by the cardholder. Thus, we reiterate as we are unable to reverse the charges levied on your card account.
May we request you to make early arrangements to pay the amount to avoid any further incurring charges on the card account. The Current Outstanding as of date, on your card account is Rs 45, 023.48 payable to us.
In case of any further queries on the SBI Card, we would request you to reply at feedback.[protected]@ge.com using the same subject line or call our 24 hours, 7 days a week, at our local Helpline number 39020202 or[protected]for BSNL and MTNL users).
Yours sincerely,
Manager - Customer Service
-----Original Message-----
From: Manoj Mishra
Date: Sunday, November 18, 2007 05:05 PM
To: feedback.gesbi (feedback.[protected]@ge.com)
Subject: RE: Statement Error
TO
Manager - Customer Service,
With your ref to the reply on 17/11/07 i would like to take this in consumer forum for fare judgment, therefore all payments pertaining to this card is stopped till the time guidelines from court is not received.
My lawyer will proceed with this for necessary action and intimate the same to you.
Thanks
Manoj Mishra
-----Original Message-----
From: feedback.gesbi [mailto:feedback.[protected]@ge.com]
Sent: Saturday, November 17, 2007 7:46 PM
To: manoj mishra
Subject: RE:'CaseID=[protected]'Statement Error
17 November, 2007
Dear Mr Manoj Mishra,
Thank you for writing to SBI Cards.
This is with reference to your communication dated November 13, 2007.
Charges :
We wish to inform you that, we dispatch your statements on the 3rd of every month. Kindly note that the maximum interest free credit period available against your SBI card is upto fifty days. However, the actual tenor of credit depends upon the timing of the purchase, and the outstandings from the previous statement.
For instance, if your billing cycle is the 25th of every month and you make a purchase on the 26th of September, it will be billed in the next statement (i.e. October 25th). So you will get a total of 50 days credit free period (September 26th to October 25th = 30 days + 20 days (till payment due date).
Please note that it takes 4-5 days for your payment to reach us. So, we request you to please send your payment according to same time frame.
We would like to share with you that we have not received payment on your card account within the payment due date i.e October 23, 2007, as against the total amount due of Rs 34, 468.31 payable to us against the statement dated October 03, 2007 on your card account. In our prior correspondences, we have informed you that, in case the payments are missed, then interest charges and late payment fee are applied on the balance amount, thus the payment starts revolving on the account, this is also applicable on all the fresh charges incurred, in the same month by the cardholder. Thus, we reiterate as we are unable to reverse the charges levied on your card account.
In case of any further queries on the SBI Card, we would request you to reply at feedback.[protected]@ge.com using the same subject line or call our 24 hours, 7 days a week, at our local Helpline number 39020202 or[protected]for BSNL and MTNL users).
Yours sincerely,
Manager - Customer Service
-----Original Message-----
From: Manoj Mishra
Date: Tuesday, November 13, 2007 11:27 PM
To: feedback.[protected]@ge.com (feedback.[protected]@ge.com)
Subject: Statement Error
To
Customer care
SBI Card division,
Dear Sir,
This is with the ref of your statement for Card No-[protected]
Exp-04/08 where I Manoj Kr Mishra have been charged for late payment of Rs
579 and interest charges on purchases for Rs 1105
I would like to mention the perpetual delay of statement, which never comes
on time and moreover the statement for last month where due date was 0n 3rd
Nov, an amount of Rs 20, 000 Thousand was paid well before the due date by
chq no 86939 and was deposited in drop box on 1st November. On 3rd November
a gentleman called up from Delhi on my cell to make a minimum payment and
he was informed about the payment of Rs 20, 000 thousand., however on 5th nov
when I received new statement the above charges were part of the statement.
If you could kindly make me understand about
* Late payment charge on 27/10/07 where the due date was 3rd nov.07
* Interest charges on purchase, where no purchase has taken place.
Please also note that, on account of reoccurrence of this kind of statement
will compel me to seek legal action and cancellation of card.
Waiting for revert.
Manoj Mishra
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-- DISCLAIMER: This email (including any attachments) is intended for the sole use of the intended recipient/s and may contain material that is CONFIDENTIAL AND PRIVATE COMPANY INFORMATION. Any review or reliance by others or copying or distribution or forwarding of any or all of the contents in this message is STRICTLY PROHIBITED. The opinions expressed are those of the sender, and do not necessarily reflect those of the Company. If you are not the intended recipient, please contact the sender by email and delete all copies; your cooperation in this regard is appreciated.
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DISCLAIMER: This email (including any attachments) is intended for the sole use of the intended recipient/s and may contain material that is CONFIDENTIAL AND PRIVATE COMPANY INFORMATION. Any review or reliance by others or copying or distribution or forwarding of any or all of the contents in this message is STRICTLY PROHIBITED. The opinions expressed are those of the sender, and do not necessarily reflect those of the Company. If you are not the intended recipient, please contact the sender by email and delete all copies; your cooperation in this regard is appreciated.
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since two years back i have purchased laptop through credit card on Dec 06, then the amount has been paid periodically till the amount i need to be paid with interest. i have tortured so many times through tele call after one year to pay Rs. 2000 as saying pending. if it is pending, it is the resonsibility of bank to communicate customer timely. when i m asking about the details of transaction and amount paid in proper communication through written they have not responded till Dec-08. in the mean time i have received so many call related to this pending and grown up to 8000/-. then i refused to pay till the detailed report non submission. finally i called for settlement to pay 1200/- on Feb09. that time also they have not submitted the detailed report. to avoid the repeated phone call i accepted to pay 1200/-. and paid i have received the receipt. the amount which need to be paid has settled.
evenafter that, non stopping despatch of mail is continuing for payment of Rs. 7400/-. here it is creating one kind of cheating and non beliving upon the bank. and the customer was keep on harassed and trying to suck the blood of the customer as much as possible. i don't know till how long it is going to continue. till live?.
S.Chellaiah
evenafter that, non stopping despatch of mail is continuing for payment of Rs. 7400/-. here it is creating one kind of cheating and non beliving upon the bank. and the customer was keep on harassed and trying to suck the blood of the customer as much as possible. i don't know till how long it is going to continue. till live?.
S.Chellaiah
I AM A CUSTOMER OF SBI BUT I DON'T KNOW WHY YOU CAN'T UNDERSTND PROBLEM OF CUSTOMER AFTER THE SETTELEMENT YOU HARRESMENT TO CUSTOMER WHEN THE SETTLEMENT IS FULLFILL AFTER THEN SETTELEMENT WHY NOT CLEAR THE AC AGAIN & AGAIN CALL AFTER THREE MONTHS AGAIN AFTER TWO THREE MONTHS HARRESE THEN THEY WILL SAY YOUR SETTELEMENT LETTER IS NOT VALID YOU WE ARE GIVING YOU A NEW SETLEMENT LETTERYOU PAY MORE AMOUNT THEN YOUR AC WILL CLEAR AND SAY YOU WILL BE BLACK LIST FROM BANK. IF THERE IS A PROBLEM WITH THE COLLECTIONS WHY SHOULD A CUSTOMER BE PENALISED?
I AM FRUSTRATED OVER THIS ISSUE AND I FEEL IT IS HIGHLY ABSURD, RIDICULOUS AND ATROCIOUS ATTITUDE SHOWN BY YOUR ORGANIZATION TOWARDS YOUR CUSTOMER.
KINDLY SEND ME THE PROPER AC WHAT I HAVE PAID MY A C NO IS[protected] CARD NO.[protected] I HAVE PAID AMOUNT OF ACCORDING TO SETTLEMENT LETTER AFTER THAN I CANT UNDERSTAND THAT I RECEIVE CALL FROM OFFICE THAT YOUR SETTELEMENT LETTER IS NOT VALID .WE ARE SENDING NEW SETTLEMENT LETTER THEN YOUR AC WILLL BE CLEAR THIS IS NOT WAY TO CUSTOMER TO HARRESE., I HAVE ALREADY SEND YOU A MAIL AT YOUR ON WEB IN COMPLAINTS 20.5.09 TO 26.5.09 DAILY BUT I CAN'T RECEIVE ANY REPLY FROM Y
I AM FRUSTRATED OVER THIS ISSUE AND I FEEL IT IS HIGHLY ABSURD, RIDICULOUS AND ATROCIOUS ATTITUDE SHOWN BY YOUR ORGANIZATION TOWARDS YOUR CUSTOMER.
KINDLY SEND ME THE PROPER AC WHAT I HAVE PAID MY A C NO IS[protected] CARD NO.[protected] I HAVE PAID AMOUNT OF ACCORDING TO SETTLEMENT LETTER AFTER THAN I CANT UNDERSTAND THAT I RECEIVE CALL FROM OFFICE THAT YOUR SETTELEMENT LETTER IS NOT VALID .WE ARE SENDING NEW SETTLEMENT LETTER THEN YOUR AC WILLL BE CLEAR THIS IS NOT WAY TO CUSTOMER TO HARRESE., I HAVE ALREADY SEND YOU A MAIL AT YOUR ON WEB IN COMPLAINTS 20.5.09 TO 26.5.09 DAILY BUT I CAN'T RECEIVE ANY REPLY FROM Y
My card expired Dec-2008, Since then I've not recieved the renewed card.Every fortnight i'll recieve a phone call or sms stating that the card has been despatched, will be reaching within a weeks time.But so far i've not recieved the card. I've availed encash offer of Rs.46000/-.Their marketing people said that they will charge only 8% interest.They even said that if i keep the money in FD, Iwould be getting 9.5% interest. Now they are charging 12.5% GST on every installment.Now i have ended up paying 20% for the money i have borrowed.After paying 13 installments the balance principle is Rs.45766/-.I've been successfully cheated by SBIcard.Anybody please guide me, is there any means i can take legal action on them.
Regards
Ramananda Rao P
Regards
Ramananda Rao P
Railways — enhancement of credit limit
Sir,I am holding sbi card since 4 years and at present my credit limit is 16000 only. Iam working for Indian railways since 15 years, my present salary is 25000 pm.
Therefore I request you to kindly enhance my credit limit accordingly.
Thanking you sir.
Yours sincerely
Ramakanth GN.
may i know my last transaction
Hi,
This is to inform you that I used to be a card holder of your company. My card no: [protected] under address 3/1, S.C.Chatterjee Sarani, Serampore, Dist: Hooghly, PO: Mallickpara, Pin: 712203.
I had a due of Rs.26-27k which I have paid to a collector at my Siliguri Tata Tale services Ltd, Bidhan Road, Apollo clinic building, 2nd floor against a valid receipt after discussion to one of your female executive working in Noida GE help line.
Also I had a discussion with her that there was some over limit charges of around Rs.600 to 700 which she was supposed to adjust as she told. Now if a person can pay hard cash of Rs.26000 don’t you think that he can pay Rs.600 to 700 also? Against that unpaid over limit charges today the total out standing you have raised Rs.7077.I never expected this kind of service from a company like you. Several times I called your help line also I have informed the matter to the collection executives called me several times from your Noida office but I never received any single support from your end. Is that the way you harass your customers?
I am using HDFC/CITIBANK Gold cards in my & my wife’s name also I have taken Personal loan from them and paid till date without a single default. Also I want to inform you that the personal loan I have taken that has been approved by the MD of HDFC within 24 hours………… hence you should modify the defaulter list with a proper justification.
Because of you today my Auto loan has been rejected and I need an explanation for the same from you that why my name is in the default list where I was not at fault.
Please note I have paid Rs.180000 in one short to all my credit card AC’s in a single day along with SBI, no one has given me the troubles as you have given.
I am working as CSD Zonal Head of TATA INDICOM North Bengal circle and I have worked the company like Reliance Communication, Standerd Chartered Bank, West Side for years with honesty and dedication hence I will not consider word like defaulter against my name.definetly I will not go to the court of law but I will go to the News media for justice if the issue don’t get settled by you.
Note, there was not a single principle amount unpaid.
Please reply.
CC banking ombudsman,
This is to inform you that I used to be a card holder of your company. My card no: [protected] under address 3/1, S.C.Chatterjee Sarani, Serampore, Dist: Hooghly, PO: Mallickpara, Pin: 712203.
I had a due of Rs.26-27k which I have paid to a collector at my Siliguri Tata Tale services Ltd, Bidhan Road, Apollo clinic building, 2nd floor against a valid receipt after discussion to one of your female executive working in Noida GE help line.
Also I had a discussion with her that there was some over limit charges of around Rs.600 to 700 which she was supposed to adjust as she told. Now if a person can pay hard cash of Rs.26000 don’t you think that he can pay Rs.600 to 700 also? Against that unpaid over limit charges today the total out standing you have raised Rs.7077.I never expected this kind of service from a company like you. Several times I called your help line also I have informed the matter to the collection executives called me several times from your Noida office but I never received any single support from your end. Is that the way you harass your customers?
I am using HDFC/CITIBANK Gold cards in my & my wife’s name also I have taken Personal loan from them and paid till date without a single default. Also I want to inform you that the personal loan I have taken that has been approved by the MD of HDFC within 24 hours………… hence you should modify the defaulter list with a proper justification.
Because of you today my Auto loan has been rejected and I need an explanation for the same from you that why my name is in the default list where I was not at fault.
Please note I have paid Rs.180000 in one short to all my credit card AC’s in a single day along with SBI, no one has given me the troubles as you have given.
I am working as CSD Zonal Head of TATA INDICOM North Bengal circle and I have worked the company like Reliance Communication, Standerd Chartered Bank, West Side for years with honesty and dedication hence I will not consider word like defaulter against my name.definetly I will not go to the court of law but I will go to the News media for justice if the issue don’t get settled by you.
Note, there was not a single principle amount unpaid.
Please reply.
CC banking ombudsman,
SBI Credit Card — higer side of interest etc.
R/SIRI INDER KUMAR RAICHANDANI CREDIT CARD NO. [protected]. I seen that sbi is taking not necessary interest from me.
It is requested that pl. give me detailed list for my transiction & in which percentage u r taking interest or penality.
Reliance Money — Excess Levy of Limit Card Charges
I am holding a demat account with Reliance Money (Reliance Capital Ltd.) in CDSL. The relevant details are as follows:Name – Anubhav Bairathi
Trading Client Id – A00055841
(In Reliance Money)
I have opened a demat and online trading account in Reliance Money in Dec 2007.
As per the limit card statement and written communication of company my limit card(brokerage card) is valid till 30th sep 2009, in accordance with the company policy that the limit card would be available for 365 days from the date of first transaction.
According I have lodged a complaint no.2601308 in the company on 22/06/2009 and again followed the matter as per the following details but same was in vain:
Ms kripa 22/06/09 2.00 pm Customer care number
Ms pinki 25/06/09 2.00 pm Customer care number
Mr aashish 07/07/09 1.30 pm Customer care number
Ms ashwini 10/07/09 9.30 am Customer care number
Mr roy 14/07/09 1.20 pm Customer care number
Mail sent on 21/07/09, 17/08/09 & 18/08/09
The company also removed the customer care numbers and they don’t reply on emails, the branches are very busy and the executive are not in the position to provide a satisfactory reply. The customer care numbers are only available for trading and not for customer grievances. All these malpractices are used to avoid the customers to lodge a complaint, which is a serious breach of customer rights.
The executive informally explained that the company has changed the policy from retrosepective date and now the limit card(brokerage card) charges would be levied from the first day of account opening instead of first day of transaction. The executive also denied to provide the same information in writing. How can a company can change a policy from retrospective date for 2007 in 2009.
It may please be noted that, earlier also M/s Reliance Money has wrongly debited the limit card(brokerage card) charges of Rs 500/- twice on 25/02/2008 and 05/03/2008.As a result of vigorous follow up andvarious rounds of complaints through mail or telephonic customer care centre , these charges were reversed on 18/04/2008 and 02/05/09 i.e after elapse of more than 2 months, due to which I could not trade through this demat account.
Reliance Money — Excess Brokerage
Reliance company has charged Rs. 24500 in one month as brokerage chrages, when I complaint about it they return about Rs. 8000 but still around 15000 is mising from my account. & moreover no customer care no branches( the branch is closed & telephone number they have given is not existing now.). I need that money very badlyReliance Money — debiting money for limit card charges and no response from customer care
sir,I have a dmat a/c with reliance money, Jayanagar Branch Bangalore. Since opening my a/c in July 2008, they have commited so many blunders, first they put me in a wrong preference card and debited around 2500 from a/c. after numerous calls to the customer care service, they revereted the money.
Now, they have debited around 1000 for renewal of preference card inspite of me already paying Rs. 500 for the same. I am trying to reach them by phone, but none of the phone numbers are working. the branch in which i had opened the a/c has been closed. for every mail i send to the customer care, they keep deducing another 500 rs. from the a/c
i have provided the details below.
In July 2009 started my d-mat a/c with Reliance money. My trading client id is D00056898.
i had applied for a preferenc card of Rs. 500 with a validity of one year (expires on Aug 29, 2009)and 5-lakh transaction validity, but they put me on Rs. 500 transaction card with BI-MONTHLY validity. Every two months, they will deduct 500 as limit card charges this way.
JULY 2008 Rs. 500 (started my d-mat a/c with 1-year validity and 5-lakh transaction limit)
14 Nov 2008 Rs. 500 debited from my a/c
15 March 2009 Rs. 1566.00 debited from my a/c
17 April 2009 Rs. 500 (I selected a preference card to be activated when my first transaction card expires on Aug 29, 2009).
22 May 2009 Rs. 500 debited from my a/c
I had to request again and again to their customer care in April and May 2009 and finally they reverted the bi-montly charges they had debited from my a/c.
18 April 2009 Rs. 1566 credited to my a/c
23 May 2009 Rs. 1000 credited to my a/c
I had paid for my renewal card in April 2009 itself (Rs. 500). But, when my preference card a/c expired on August 29, 2009, i had sent them a mail reminding the amount i had paid in april 2009.
But inspite of it, they have debited Rs. 500 on September 03, 2009 and again they have debited Rs. 500 on September 16, 2008.
So apart from taking Rs. 500 in April itself for card renewal, they have debited Rs. 1000 from my d-mat a/c.
Sep 03, 2009 Rs. 500 debited from my a/c
Sep 17, 2009 Rs. 500 debited from my a/c
Every time i send a mail concerning this, they keep debiting another Rs. 500 from my a/c. I was not asking to renew my preference card, but i am just asking to stop debiting money from my a/c. I am not able to contact my Branch phone number as no one is picking up the phone. i am not getting proper response from any of the phone numbers i try.
Sir, i am doing share trading to earn some money and not to donate money to Reliance Money.
SBI credit card — Some outstanding bill is due in my name
Hi Sir/mamI m Ranjeet kumar and my mobile no is [protected] . Today i have received one message regarding some outstanding bill is due in my name while i m not holding any SBI credit card.
What is this m not getting. So pls rply with proper justification on to tjhe same.
Thanks in advance for your support
Ranjeet
State Bank of India — addition of Undue Late charges
This is to inform that from past few months I have been reviewing that improper additional charge in the shape of penalties in my monthly bill statements for the credit card no. [protected] have been added. Not only have this but different types of hidden taxes also been levied in the bills which were not known to me at the time of opting your credit card. Further, such type o[censored]nilateral decisions from the bank side force me to think that this organization is merely interested in increasing the customer data bank and once the relation has been built up they will never bother about what right or wrong has charged to the customer rather just to give the reminder about the one’s irrelevant payment and compounding one’s charges if he or she not want to pay that amount.In addition to the above I would also like to address that while collecting the Cheques some delays might be occurred from your side too but being a credit card holder that charges will also be debited to my account which is not correct. On the other hand, due to my outside posting, I could not frequently address these issues to customer care, but despite of addressing the issue telephonically, nothing had been waived off and the bill statement for next month having same late fee amount along with same invalid taxes has been sent to me, which seems to be ridiculous.
Therefore, in the light of above mentioned facts, you are requested to kindly help me to waive off all these unreasonable charges, otherwise there will be no end to finish up this kind of acts and ultimately the amount will be piled up unnecessarily which will be very difficult to pay.
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SBI Cards — Got a monthly statements without a card and no way to contact them
My Father got a monthly statement before he got a card. My banking branch tells me Card queries cant be addressed there. The customer care phone cant be reached and my email has not been replied for 5 days now. I still don't know if we have a card and since I need to use a credit card for an online payment, I don't know if I can use this Credit Card No. they gave me on teh monthly statement.