[Resolved] State Bank of India — Charging late fee etc without a reason
I have a gold card of SBI .I have been paying my bills in time but the company is a cheater.They are imposing late fee charges & other charges without your maistakes.Read my letter:-
I am holding an SBI Gold card no-xxxx xxxx xxxx 5130,since long.I have always paid my dues in time.Last time also I paid my bill in time,as it was dropped in the drop box at a location near my residence.The cheque was for 2444/-.
I got an SMS on 5th Feb 08' at 17:39 stating that I had an overdue payment of Rs.300.72,ignore if already paid.I just ignored it as this amount was not mine as I had already paid 2444/-on 15th Jan.(total amount before the due date- was 21st Jan.08').
On 6th Feb.in the morning I called up customercare & came to enquire as to SMS was sent by mistake? I was shocked to note that, as customercare informed that my cheque was not presented in the bank as there was some difference in the digits & words which I had wirttten.I was not sure,but still I requested CC executive that since I do not know about it thereupon he told me that we have sent you a letter also.I had not received any letter till that Time so I requested him that if that has happened I appologise if at all I made a mistake & you can collect another cheque or I can send it at any address he tells me.thereupon he told me that he will reverse my late payment charges.
In the same afternoon(6th feb.)I got a letter by ordinary mail signed by Mr.Manish Dewan(VP- customer service) dated 19th Jan.08'.The stamp of the company's on the envelope is showing the date as 21st Jan.No stamp of post office is visible on the envelope,has reached me 6th Feb,afternoon.In the same mail I got my current month statement also for which the due date is writen as immediate(which is normally around 20th)How come the letter was typed & sent before the actual due date????(I am keeping it for consumer court,if the need be)
I called up Customercare again as I was shocked to see the charges-The charges were-UNBANKABLE INVALID FEE-337.08,FEE-PAYMENT NOT RECEIVED BY DUE DATE-393.26,FINANCE CHARGES-137.56,INTEREST CHARGES PURCHASE-4.66--TOTAL-872.56.
I asked CC executive(name-Saurabh),to reverse all these charges as I had not done anything intentionally & I could pay the entire amount including this month's that day itself.He said only late payment have been reversed by morning executive & he can't reverse any other charges.I told him he could see my track record -he agreed that I always pay my dues in time.I asked him if I could speak to the Manager,after putting me on hold for a long time,his Manager (Name- Avinash) floor supervisor came on line.He was very rude to talk & told me he would not reverse any charges & I could withdraw the card if I wanted.He was rude to the hilt.I told him that I had 4 other cards as well & I did not need this card if the behavior of the people is not proper,he told me -do whatever you want to, but I will not reverse any charges.
Next day-7th feb.08,I got a call in the morning at 8.58 from[protected] a person name Manoj talked to me about the payment I had to make.I told him entire incident,he said he will call later after talking to his senior.
At around 12.38,I got another call from[protected],again for the payment.I was surprised I again told him the entire thing.This person name was also Manoj.He said he was not aware of the previous call as he was calling from collection department.After talking for about 18 min.He agreed with my point & said he would put a request to his senior for a reversal,but asked for the payment.I told him I can pay the cheque today for the last amount due as they told I had given an unbankable cheque.I told him to send someone to collect cheque for 2444/-.I also told him if they had persented the cheque to the bank(ICICI),they would have talked to me before bouncing the cheque as I am a premium customer of ICICI Bank & I could have corrected it.All the action they were doing now they could do it earlier also.He agreed,but told me that they will send their representative next day i.e.on 8th Feb,I even told him that I could pay it today thereupon he refused that- sir it will not be possibe,I will send the person tomorrow (on 8th Feb)between 10AM-1PM.I told him I will leave the cheque of the same amount with my wife.He even asked my wife's name as she would have the cheque next day.
On the same day i.e 7th Feb. after one hour of talking to Manoj,I got a call from my wife on my cell that a person had come to collect the cheque from SBI.It was again a shocking surprise for me,but still I asked my wife to ask him to wait for 10Min.as my office is nearby .I came back after 15 min.the person (Name-Lalchand- cell no[protected] was waiting for me.I told him how come he came today that too without any information.He told me that he did not know anything about my talk with company people,and he was instructed by the company a day before to go personally to my place to collect the cheque so he was doing his duty.
I gave him a cheque of 2444/- & took the receipt of it.I came to know that SBI cards has an office in Jaipur at Ganpati Plaza,MI Road,the number of the office is[protected].
Now from this detailed letter you could know many things-How come a letter was issued before the actual due date from your office(Due date was-21st Jan,letter by VP-Manish Dewan dated 19th Jan.08???
How come SMS was sent on 5th Feb.You could do so on 19th before writng a letter.Why cheque was not presented to the bank????Why all phone calls were made after 5th Feb???Why your person could not come before the due date for collection of another cheque????I always write my mobile no.on the back of my cheque.Why a call was never made to my cell if the cheque issued by me was unbankable???????????I have still not seen the cheque so I am buying your story(not sure about it myself).
I will pay all your dues & withdraw your card as I do not want to use a cheating company's product.
You have done all these things to charge all un-necessary charges,which is your sole motto otherwise a cheque could have been collected earlier or all the things could be reversed.
STOP CHEATING CUSTOMERS PLEASE!!!!!!!!!!!!!!
With Regards ,
Naresh Kumar Aswani,
Complaint marked as Resolved Aug 13, 2020