[Resolved]  State Bank of India — Poor Service & Harassment

I had subscribed Credit Card No. [protected] from SBI Card in 2006. I had made one payment of Rs. 15, 500/- in December 2006 through ICICI Bank Cheque. But I was advised by SBI Card letter dated December 23, 2006 that the same cheque was returned unpaid for the reason: Alteration requires Authentication. I made the payment of Rs 16000/- again by another cheque bearing No. 155379 drawn on ICICI Bank. At that time I wanted to know about alteration on cheque. I myself a banker issue several cheques daily and wanted to know why the alteration on my own cheque remain unauthenticated. I just wanted to see the cheque myself. In this regard I made 4 rounds to SBI local offices at Jamshedpur but to no avail. In January 2007 I received the credit card statement around payment date. There was no actual transaction by me during the period but on account of levying late fee and cheque bouncing charges and carry forward of Rs. 420.90 (for which I have deposited a cheque in drop box installed at SBI Main Branch Bistupur, Jamshedpur, but the same was not presented for payment). The statement was showing total due amount of Rs. 1143.50 to be paid by February 08, 2007. In the response of the same, I deposited a cheque of Rs. 1143.50 in drop box installed at SBI Main Branch Bistupur, Jamshedpur drawn on IDBI Ltd. bearing No. 545314. But this too was not presented for payment. I also sent a email regarding poor service and reversal of the late payment fee and cheque returning charge and the same was been acknowledged but not been replied.

Again I received a statement dated February 19, 2007 on March 06, 2007. Against this statement which was showing total amount due of Rs. 3527.94 (Rupees Three thousand five hundred twenty seven and paise ninety four only) I made payment of Rs. 1, 667/- (for which amount actual purchase made by me) by IDBI Ceque bearing No. 545317 dated 07/03/2007. This time instead of dropping cheque in drop box I deposited the cheque in SBI Card office and taken proper receipt (copy enclosed). This cheque also has not been presented for payment till date. Nonetheless their official/ agent harassed me and followed up twice in indecent manner for payment of the outstanding or minimum due amount. In short I saw some foul play in the dealing of SBI card.
First the copy of my unpaid cheque of Rs. 15, 500/- bearing No. 155376 dated 12/12/2006 was not been made available to me .
Secondly two cheques which I dropped in drop box was not been presented mainly due to levying unnecessary interest.

Thirdly even that cheque which I have deposited at SBI Card office and taken proper receipt (copy enclosed) was not been presented by SBI card.
Right now they are harassing me by sending muscle man to my house and asking for more than Rs. 11, 000/-
Account No.-[protected]
Suresh Kumar Rai
Kharagpur