[Resolved]  State Bank of India — Payment Harassment.

I[censored] r charging on minimum balance for savings account, why the SBI shows available amount to withdraw from ATM. Is it not cheating people.

SBI Credit Card — Agent Payment Harassment

From Last 4 Years I am having a SBI credit card with Credit Limit of Rs. 20,000/-. Around 3.5 years before I used Rs. 15,000/- for some purchase with credit card. After that I never used it again.

But from the date of purchase, every month I am paying minimum payment regularly, average would be around Rs. 1,000/- per month.

But today’s balance outstanding is Rs. 25,000/- as per their records. I made a request for complete payment History and the charges made against that..

From last 3 months I stop making payment once I noticed that payment made by me is gone under various charges and principal is remained as it was.

Now my compliant is, SBI agents started calling my home for the payments and they are very arrogant while talking to my mother. Even after that their agent came to my home for recovery and threatened to my mother and used some bad words also.

Agent is from Your Mumbai, Mahim Office
**I made a police Compliant for this miss behavior? and RBI non-observance of Reserve Bank guidelines on engagement of recovery agents by banks; and
My Question is from last 42 months I am paying Rs. 1000/- every month. ( 3.5 yrs X Rs. 1,000/- = Rs. 42,000/-). But the amount remained same as it was. Is this possible? Because, very first time while making minimum payment SBI call center person told me, that minimum payment is included with some portion of principal amount.



I already made a payment of Rs.42,000/-.

Sachin Chaudhari.

Credit Card No. : [protected].

Waiting for your revert,
Sachin Chaudhari.
[protected].