[Resolved]  State Bank of India — Dispute

Address:

Maharashtra

I have a concern regarding my credit card of SBI which I had 3-4 years back.
I had not spent the amount of Rs 32,000 which they billed me for some years. Hence I had paid the amount except for this Rs 32,000 which was due and which was spent by me and had called them asking for the receipt or transaction of this 32,000 which they never got back. However in 2008 their collections team came to my house and we had an argument and they said I will have to settle this in anycase. Finally they asked me to pay them Rs 8000 to settle and gave me a receipt (challan) which said final settlement. Also when I was preparing a cheque they insisted I give them cash as its for settlement. Unaware of the procedures since they were being rude on the phone too I gave them cash and accepted the receipt.

After a few months I again started getting calls that I have a debt with them and need to settle it. When I spoke about my payment of Rs 8000 they said its received by them and system is updated as part payment towards Rs 32000 and I need to pay the rest with interest. When I told them about the receipt they said they dont have any such records of final settlement and collections team had not mentioned final settlement in their internal records.

Since the last 2 year I have sent them atleast 30 emails explaining the same and asking for resolution and I have got replies from them since a year that they are looking into the matter and they will revert shortly. Every second week I used to mail again but used to get the same reply. On the other hand I am getting their statements with interests being added. I dont why they are not even reverting back even when I am mailing the head of credit card services of SBI. I have all the mails saved in my account which has all the correspondence of their non co-operation.