[Resolved]  Standard Chartered Bank — CREDIT CARD

I am Thirumalai Srinivasan from Bangalore. I am holding SCB Credit card. In the last month I made a payment for Rs.1700.00 to my supplimentary credit card. As per their collection department while making cash payment, we can give either one credit card number and while processing the payment, they will credit it to both Primary and supplimentary cards according to the due, and it was happened in that way, before also.

But now the last payment was totally credited to my supplimentary card instead of both and they charged late payment fees of Rs.350.00 to my primary card.

When I called and asked the customer care department and their grivance cell two weeks before, they said the will reverse the late payment charges.

However, I received a letter generated on 27.02.08, stating my primary card is overdue and it was already blocked by them without informing me.

I belive this is not a good practice and always there is a poor response from their customer side. They are not co-operating with customers.

i am rajesh, when i applied for the credit card the bank who issuing the c.card that iam defaluter so that they cannot issue me the c.card, but iam haveing a car loan &4 personal loan which about 10 lakh till day i payed all the E M I properly.
Thru my personal intrest i infulens my self i find out that standard charted bank made me in defulter list in CIBIL, i dont have any transcation in the above mention bank so kindly persula my complaint

reg rajesh

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I have applied for a credit card in standard chartered bank titeneum card which is told by the representative but i have received gold card .

according to the bank representative titenium credit card is free but gold credit card is chargeble...

please look into this matter for the betterment of indian banking system.

thanking you
BHISMA DEB PAUL
[protected](KOLKATA)

Dear Sir,
My credit card number is [protected]
I had applied for swap of my loan repayment from Bank of Maharashtra Badlapur Branch to Dombivali Nagri Sahakari Bank ltd and fullfilled all formalities long back at Standard Chartered Bank 1st flr Express Bldg 9-10Bahadur Shah Zapar Marg New Delhi but till today there is no positive response from your bank. I had deposited the required amt @ DNSB and many times communicated to phone [protected].but nothing heard Ihad not make arrangement @BOM Pl arrange to take repayment at DNSB and do not charge any penalty as such there is no mistake from myside, and arrange as early as possible to collect repayment installment from DNSB
Regards

Santosh Balkrishna Joshi.

Dear Sir,
My credit card number is [protected]
I had applied for swap of my loan repayment from Bank of Maharashtra Badlapur Branch to Dombivali Nagri Sahakari Bank ltd and fullfilled all formalities long back at Standard Chartered Bank 1st flr Express Bldg 9-10Bahadur Shah Zapar Marg New Delhi but till today there is no positive response from your bank. I had deposited the required amt @ DNSB and many times communicated to phone [protected].but nothing heard Ihad not make arrangement @BOM Pl arrange to take repayment at DNSB and do not charge any penalty as such there is no mistake from myside, and arrange as early as possible to collect repayment installment from DNSB
Regards

Santosh Balkrishna Joshi.

it is regarding the credit card that was issued to me. since i had returned the card and mentioned that i do not wish to continue since some DSA had promised that no charges will be levied to me as fee. but i was sent a payment reminder. also this card was provided to me basis my existing card to which some amount was due. i had to take a personal loan and had made all the effort to clear te outstanding BUT the bank without any notice decided to apportion the amount and credit it to my gold card, which in all means is UNFAIR. I have tried explaining this issue several times. If the bank decides to apportion on its own judgement, I believe the bank is not reflecting the "TRUST" element in its fairness. Just because I hold a corporate account, I am being sent a letter that the amount due will be credited to my account. I want this issue to be resolved asap. am not a defaulter with your bank, i have a home loan running with the bank for past 4 years, you may wish to check the records.

ABSOLUTE UNFAIR AND UNETHICAL APPROACH. CUSTOMER CARE OF SCB IS AWFUL.

Sub :- Credit Card No – Visa Card [protected]
Gold Card [protected]
Titanium Card [protected]


Dear Sir

I Mohan Nair lodged a complaint on 28/06/2008 on your email Id head .[protected]@in.standardchartered.com regarding the above mentioned cards. There was no response from them and I was told by your helpline to contact you . The details are as follows:-

I am holding the above Gold & Visa Credit Cards of your bank for the last 10 years, having combined credit limit to Rs 2, 00, 000/-. Further Titanium card was issued to me in the month of Feb 2008 canceling GOLD & VISA Cards with some added features with assurance that the credit limit of Rs 2, 00, 000/- will be available for this Titanium Card for which you have debited Rs 5000/- from my A/c. as one time special fees. Today on 30th June 2008 when I got credit card statement through my email I am shocked to see that my credit limit has been reduced from 2, 00, 000/- to 10, 000/- without assigning any reason . The phone banker when contacted by me could not give any satisfactory reply.

Please let me know why my Credit limit has been reduced with out informing me and why Rs 5000/- was debited to my card A/c for a limit of just Rs 10, 000/- only. In the day-today market of competition when every bank is offering free life time Gold or Titanium card with higher credit limit, why I should not return my card to the bank for cancellation.

I regret to say that why this treatment was given to me in spite of our long relationship of more than 10 Years

If I do not receive any satisfactory reply at the earliest from the bank I will presume that bank is not interested in building relationship with the card holder.

Kindly look into this matter seriously and arrange enhancement of my Credit Card limit to Rs 2, 00, 000/-


Thanking You

MOHAN NAIR

Dear Sir,
I am having saving account in your Gurgaon branch. I have taken one credit card from your bank. After some time I have taken one scheme also. I t was misguided by your customer care people. When I went to take benifit I was not satisfied. So I requested to customer care to block my credit card & scheme. I did partial payment for scheme and and cleared outstanding payment also. But I refused to pay full payment which was for scheme. Your customer care people ensured me for that. After that again I recieved the bill. I again called up to customer people. They told me that your complant is registered. They have given me complaint no. also. The problem was not resolved and still I was recieving bill on my mail. I become used to ignored those mail that because I was fadup from all that.
All that was so many months back. I have changed my residential during these days and number also. As this problem was not resolved so I did not take care also for that I was very frustrated fom that.
Now today when I went to ATM to withdraw the cash, I came to know that my account is blocked. I called up again to customer care people but they told me that your outstanding is due. I again explain all things to Ms. Ritika (Customer care) & Mr. Shabir (Team leader). They are not understaning my problem. As this matter is so month back I am not having any written proof, any documents & credit card also. I destroyed all. I am now helpless.

Please resolve my problem as I am fadeup from your bank & your customer care. I always did my payments ontime but I am getting this response from your side. Your customer care people are not updating the complaint data properly and we customers face the problem.

Sincerely,

Ruchi Gangwar

i am nafees ulla khan my credit card no. [protected] this card is cancill but you are charging insurance fee and some other hidden charges , i allready told to customer person pls settale my amount but there is no response and amount day by day increase, last two year i am suffering the problem but no body give the right answer and also some people are coming my home he said deposit the money other wise i will see you. i told you give me the statement he told me i dont have statement. so pls settale my amount and stop the people coming my home other wise i will go to the cout.

The Manager - Customer Assistance
Standard Chartered Bank
Bank Card Customer Service Centre

Dear Sir,

Sub: WRONG REPORTING OF CREDIT CARD DUES TO CIBIL

Please refer to the enclosed copy of your letter dt 20/02/2006 regarding restructured payment of dues against the following Credit Cards:

1. SCB Card No. [protected]
2. SCB Card No. [protected]

Please also note that payment of the entire outstanding amount of Rs 195386.34 referred in the aforesaid letter has been duly paid by me as per the payment schedule described therein, i.e. a down payment of Rs 17000/- followed by 11 monthly instalments of Rs 16216.94.

We are surprised to find that on 31/05/2010 you have reported to Credit Information Bureau ( India) Ltd ( CIBIL) my default against my Credit Card dues at your bank.

Further, you have reported default of the same amount of Rs 195914/- to CIBIL against the Supplementary Card issued in the name of my wife, Shafali Ghosh. This is a duplicate reporting of default against a single card, which was paid as per terms of settlement as stated above.

The above wrongful reporting by you has seriously affected my business as well as my individual credit worthiness, resulting in substantial financial losses.

Please clarify immediately reasons for the above reporting to CIBIL, even after the dues had been settled as per your letter.

I expect your reply within 7 ( seven ) days from the date of this letter.

If you fail to reply to this letter within seven days, I shall be compelled to take up the matter with appropriate higher authorities.

Yours truly,


(GOBINDA CHANDRA GHOSH)

Hi Friends,

I have been sanctioned a credit card from Standard Chartered Bank in the year 2000 with a Limit of 21000.00, as i have been closed the card with all dues in the Year 2001. After this there was no call from the bank. About a week back i got a call from Shaha Finlease Pvt. ltd. stating the the outstanding is 2,97,000.00 for there 9 Years and asking for the settlement of Rs.41000.00. I have requested them to send the complete transaction statement, which they were not able to send. So please suggest me the best way.

My Mail ID : [protected]@rediffmail.com

Thanks & Regads

Lokesh Kavuri

Dear Mr Ghosh

will you please send me your contact details. I have some similar isssue with SCB on my credit card will like to disuccus with you

Manisha Kulkarni

Hello,





Ref: Credit Card no: [protected]







With reference to annual fees charged to my account, I would like to bring to your notice that at the time of issue it was told that card is life time free.



But I see annual charges are being debited on my card.



I would like to cancel my card and request you to reverse the annual charges.





It’s purely fraudulent income Standard Chartered bank is trying to generate.

Again & again I am getting calls & sms from your representative for depositing charges towards Insurance for my credit card ( no [protected])though I have not done any Insurance for this card neither I have used it for even once. This harrasment has been continuing for the last three months. Next time if I get again sms/call from your end I shall go to CONSUMER COURT.

Hi Ramesh,

Sales people have a target to achieve at the end of the day and will do any thing to have it achieved. What you need to realize is that some insurance agent has used your card to apply for a policy in your name. To rectify this issue you will need to call the insurance company and have the policy closed. If you would like to have more advise on this i can be contacted on[protected]/ [protected] or email me at [protected]@debtdoctorindia.com

Regards,
Timothy

Standard Chartered Bank — Why Standard Chartered Bank Sending me Bill while i have broke that card One year back and drop in Box when i got details docs from Bank

Hi

Why Standard Chartered Bank Sending me Bill while i have broke that card One year back as per customer Care Instruction and drop in Box, because i got some false information from executive when i got details docs from Bank, i read that and i found that some annual charges for this Credit Card.

Dear Sir/ Ma'am,
This is to bring to your notice that I, Monika Choudhary is being harassed by the Standard Chartered Bank. I had a credit card from them some 9 years ago that is when i started working, must have been 23- 24 straight out of college with the first job and credit card, so had no clue about banking, finances etc. I got that credit card because of the company i was working in. It was given to all the employees who joined. It was a additional income kind of thing for me. I realised quite late that its not a boon but a bane. I was being harassed at that time also when I couldnt pay up the amount due to them so I closed the account settled the entire amount and got my credit card blocked. End of story.
But it did not end there after 9 years in 2011 they (the recovery agents) are coming back and harassing me that at that time i did not pay some 139 rupees to the bank so now after all these years the interest has amounted to Rs. 1, 31, 154 so now I am suppose to pay the bank this amount because I could not pay the meagre 139 rupees at that time! They are also saying that I did make a 1000 rupees payment to the bank and asked them to close the account. But I dont understand why will a person pay 1000 rupees and just not pay 139 rupees, because he or she will get pleasure of not paying up 139 rupees? So that the bank can come back after 9 years and say boss you did not pay 139 rupees at that time so now with all the interest you have to pay 1 lakh 31 thousand rupees!
I cannot pay the amount even if i want to because firstly I'm not employed anymore, as due to recession the company shut down the brand i was working for in 2009. So past 2 years i am jobless. I got married recently and hence now im financially dependent on my husband and he too doesnt earn that well that he can pay off the debt. Plus i have no investments and savings left because it all got consumed in the wedding as my parents were unable to take care of everything themselves (my father is retired).
Please advise the way forward as they have my phone numbers and address and they are harassing me and my family.
Looking forward to a positive response,
Monika

DEAR SIR

I HAVE CREDIT CARD OF STANDARD CHARTERED BANK ACCOUNT NUMBER SCB NO [protected] FVG SURINDER GUPTA

I AM REALLY SURPRISED THAT THEY HAVE SEND ME ONE DINNING CARD CHARGING RS 4000 WITHOUT MY PREMISSION AND EVEN MAKE EMI OF THAT TO DEDUCT THE SAME

AS FAR AS I KNOW THAT AS PER RBI RULES NO BANK CAN DEBIT TO YOUR ACCOUNT WITHOUT TAKING AUTHORIATION OF THE CUSTOMER.

I DONOT WANT TO AVAIL THIS AND I ALREADY WRITTEN EMAIL ON STAN CHART BANK BUT NO REPLY RECD AFTER 48 HOURS.

THIS IS MAX A BANK CAN DO WITH HIS CUSTOMER.PLEASE CREDIT THE DEBIT AMOUNT TO MY ACCOUNT AND I CAN SEND BACK THAT CARD WHICH I AM NOT USING AT ALL

CA SURINDER GUPTA
FCA
[protected]

yes... they are doing the same with every card holder after settling the account they will ask for the outstanding amount after a long duration .. when you must have forgot about all those things.

They are international, , , a growing... by cheating the public... great bank