[Resolved]  State Bank of India — worst support

Address:

Chennai, Tamil Nadu

BEWARE OF SBI CREDIT CARDS
This is a true life incident where an honest human being was forced to pay an amount even without seeing the bill
Dear all,
This is what SBI credit card division can do to you.
I had made a purchase of some 70,000 and odd in December 2011. Since I was sick and out of town for about 2 months I was unable to pay the same immediately. By January it had become 80,459.
Until then I had never paid in installments. I had been clearing the total bill amount every month, month on month.
Then I paid Rs 50,000 in January 2012 and on 21/2/2012 I volunteered to clear the entire outstanding and requested for waiver of late fee payment, Total GST debit and the financial charges in retail. There was absolutely no response from the local office. I wrote to the higher authorities and a waiver was promised. Seen below is the operative portion of their mail dated February 23, 2012
“ ….. However, as service gesture we have credited Rs.1400.00 towards late fee plus government service tax @10.30% on your account and the credit for the same will reflect on your statement dated March 15,2012.”
In the March statement nothing reflected. In fact no bill was sent. In the meanwhile I made a purchase for about 4000 rupees. Then when I attempted to make a payment in a hotel using the SBI credit card the response which I got was "not approved". I was subjected to shame and I had to walk to the nearest ATM and withdraw money from my Debit card and make the payment. So I broke the card into pieces and threw it into a gutter. I intimated this also to the Vice President - Customer Service, one Divya Dhody. All along this was the only person responding to my mails. At least this person responded. There was no response from any other mail ID’s.
The bill’s which were sent to me did not open when I entered my card number. I begged this person to send me a bill which I could view. I just wanted to see whether the waiver, as promised, had been given. Don’t I have the right to see what is mentioned in the bill? Even this request was not conceded. No reply was forthcoming for this request.
I represented that the SBI cards was not at all justified in asking me to pay service charges when they provided bad service. No one cared for anything but some people kept calling me almost 5 to 10 times a day asking me to effect the payment. These phone calls were made from phones which did not have incoming call facility so whenever we called we will only get a reply that the service to this connection has been suspended. But they will call and harass us from the same line. While the correspondences were being exchanged the bill of Rs 4000 grew to 8000. The correspondences did not get me any relief. The only thing which happened during the period of correspondence was that the bill amount kept on growing and irritating calls for payment kept flowing in ten times a day.
Ultimately I was forced/ compelled to pay the sum of Rs 8338.83 without even seeing the bill.
This is the service which SBI credit cards division gives to a person who clears the entire outstanding month on month
When these beggars come to sell their credit cards they come begging on their knees. These are thieves who get our phone numbers and salary details from websites and approach us like sheep. These are wolves in sheep skin.
Let what happened to me be a learning experience for others that is why I am sending this mail to you my dear classmates, Advocate colleagues & Colleagues in my factory. Send this to all whom you know. If any question arises as to proof. I am having all the mails as proof. So don’t be afraid to send this awareness mail to anyone.
Lesson learnt – If you volunteer to pay and be honest .. you will be in trouble. If you change your residence and throw away your SIM card you can go scot-free
Regards
Fredrick Castro
I can be contacted at [protected]@yahoo.com.