Standard Chartered Bank Complaints & Reviews

Credit card no [protected]: vimal s dalia. Before 2 days on 14-3, there was due balance showing in my credit card acct was -7513 & in emi acct was showing due as 3513 the credit card due was transfered to emi act on my request[protected] &[protected]. My due balance after tht was 26 rs for next month. Now when I called today it was indicated to me as due is 15000 due to transaction not converted to emi. I have teken call activity no [protected]. Pl see to it make corrections & update. I wont be paying any dues as of now. Expecting early revert.

I had a SCB Manhattan Credit Card which got stolen in May 2013. I immeditaly informed the SCB Call Center within 2 hours, as soon as I realised the same. However by then 2 transactions had happened on the Card. I refused to make payment on the card, as the signature on the Charge Slip does not match my signature. SCB says that whether it matches or not, you are liable to pay the amount. I have also cited to them a similar case in which Maharashtra Consumer Disputes Redressal Commission ( http://archive.indianexpress.com/news/disputed-transaction-bank-to-pay-for-purch...⇄ ) had asked them to pay the amount back to the customer. The Commission had said that it is the bank's liability to match the signature on the Charge Slip before paying the merchant and the customer cannot be charged. Despite this the bank continues to charge me on the statement and my CIBIL record is getting affected. I would have no option other than taking it up with the Consumer Courts to get it resolved as multiple followups with the bank have not heeded any result.

This is with respect to Standard Chartered Credit Card [protected] given to me free in a promotion approx. ten years ago. In April 2006, I found that I was charged for a transaction not authorised by me and duly reported the same. Bills were paid after netting off disputed amount as I was in dialogue with the Customer Care team and as instructed by them. However they continued to charge me late fee without resolving my issue. I got fed up following up with them and cancelled my card. Despite this they went on to charge me an Annual Renewal fee in May 06 ( this was never told to me at the time of giving the card – in fact I was told the card was free! ). They finally wrote to me acknowledging my cancellation in Aug 2006. At this time the outstanding was approx. 4000/- which included 1852/disputed amount and 2000/- renewal fee. All other payments were cleared by me. I clearly told them that this outstanding was incorrect as I had cancelled my card and my dispute was unresolved. I never heard from Standard Chartered thereafter and naturally I assumed the matter closed. Recently, I was shocked to learn that Standard Chartered continued to show outstanding in my name impacting my Cibil Rating. I have never heard back from Standard Chartered Bank in all these years and am a victim of Standard Chartered Banks Mis Handling and Mis communication to Cibil. Please help in correct closure and correcting my credentials at Cibil.

To Whom So ever it may concern. Account No: [protected] Bank Name: Standard Chartered Bank Branch: M.I.Road, Jaipur, Rajasthan. Firm Name: Vivanta We have an Over draft account here in Jaipur. Our account has been active since August 2013. You can check the account details. I would like to put across my concerns straight away. Concern 1:- We got a limit of 1.25 crores initially. We were not comfortable with it, because we wanted lower limits. But bankers kept saying that they do not work on ticket sizes of less than 1 crore. For which we got charged Banking charges of Rs 105337.50/-. Before sanctioning such a amount I am sure the bankers could have understood our turnover by seeing our statements. We had a small turnover. I don know how on earth was the bank expecting us to achieve a turn over of 10 crores in 10 months. While our turnover was comparitively much lesser. In August 2014, our limits got revised to 50 lacs, with which we are comfortable and have not complained against it too. But now why does the bank work on ticket sizes less than 1 crore. Are you lying to your customers? By charging high banking charges and then later revising them. Infact from January to July, my limits had been seized to 32 lacs merely because our turnover was not being met. Obviously, it could not meet. Our firm is a small start up firm. Which is performing well acccording to its size. I would like you to look into this, and hereby respond to this matter. I would like you to revise the charges charged in the beginning, and refund a certain amount. Concern 2:- Recently an L/C had been opened towards my account. The L/C had opened on 19th january 2015 which got discounted on 24th February 2015. In total it took 37 Days to discount. I understand a bank taking 15 days to discount an L/C but 37 days? That is ridiculous. We are being charged interest on our over draft for those extra days only due to incompetency of the bank. Firstly, the document was sent to the wrong address, which wasted 5 working days. And for which i had to personally send somebody to collect from Blue dart, which actually should have been done by your bank. Your banker confirmed our address, but the document got sent to some other address. Secondly, another document which was to be sent to the L/C issuers bank which is Oriental Bank of Commerce, got returned and wasted again 4 working days of mine. Now, i only have to ask, if its the banks fault why does the customer suffer for it? I want the interest that I had been charged for these extra days to be refunded. This is absolutely not right. Concern 3:- Tell your bank officials to talk properly to there clients. Your bankers keep telling statements like, we do not work on ticket sizes less than 1 crore and less than 2 crore. Saying that they are doing a favor by allowing my O/D account of 50 lacs to function. I would like to remind you, nobody is doing any favor for anybody. As a bank you work for us and we work for you. Nor am I doing a favor for you and nor are you. I need you but even the bank needs customers like us. That is not how professionals function. This has to be addressed. I would like a written apology for using such statements towards us. Concern 4:- I would also like to know why our interest rates are not being revised when RBI has reduced its REPO rate by in total .50 basis points. I believe that this benefit should be passed on to your customer too. Why are we not getting the benefits of this. Thanking You Chirag Patni Business Manager Vivanta

Recently I got to know from my CIBIL report, a SCB credit card account number ([protected]) is shown as written off with outstanding Rs. 1, 21, 141/-. On inquiry with Standard chartered bank, I got to know that the due is for a Manhattan credit card- [protected], Which was closed in April, 2006. Jan, 2006 - Due was around Rs. 40K Feb, 2006 - Paid Rs. 41000/- on 03-Feb, 06. However bill due shown was 43K Apr, 2006 - Wrong late fees and interest were charged and again bill due shown was Rs. 4010/- On customer care complaint about unnecessary late fees with a lady officer, (don’t remember her name), she agreed to revert the late fees and interest charges of Rs. 2010/-. I paid the rest of amount Rs. 2000/- and card was closed in Apr, 06. No more bill received after Apr, 2006 since the credit card was closed. No further mail received for any dues or any statements. The amount Rs 2010/- which was supposed to be reverted was not reverted. I am informed by customer care that Rs. 2010/- due has become 1.2+ Lacs now. Since it is 10 year old card for which I don't have any old statements and closure letters. I would request SCB officer to revert these penalties and clear my CIBIL records ASAP. SCB complaint reference: KMM19607705V49535L0KM

I AM PROVIDED WITH A USELESS SCB REPLACEMENT CARD WITHOUT TPIN. CARD DELIEVERED ON 20TH - AS OF 7TH MARCH I HAVE NOT RECEIVED TPIN. I HAVE SENT AS MANY AS 10 MAILS & AT LEAST 4 CONTACTS WITH CUSTOMERCARE. YOUR CUSTOMER CARE DO NOT HAVE HONESTY TO REVERT. COMPLAINTS TO THE SO CALLED NODAL OFFICER & HEAD - SERVICE WAS OF NO USE. ARE THEY SLEEPING? SHOULD I NOT PRESUME SCB CUTOMER CARE, NODAL OFFICER, HEAD SERVICES AS USELESS & DIRTY... I STRONGLY BELIEVE - ALL OF THEM ARE CHEATS! THEY & SCB HAVE CHEATED ME! YOU NEED NO FURTHER RESPECT.

This is with respect to Standard Chartered Credit Card [protected] given to me free in a promotion approx. ten years ago. In April 2006, I found that I was charged for a transaction not authorised by me and duly reported the same. Bills were paid after netting off disputed amount as I was in dialogue with the Customer Care team and as instructed by them. However they continued to charge me late fee without resolving my issue. I got fed up following up with them and cancelled my card. Despite this they went on to charge me an Annual Renewal fee in May 06 ( this was never told to me at the time of giving the card – in fact I was told the card was free! ). They finally wrote to me acknowledging my cancellation in Aug 2006. At this time the outstanding was approx. 4000/- which included 1852/disputed amount and 2000/- renewal fee. All other payments were cleared by me. I clearly told them that this outstanding was incorrect as I had cancelled my card and my dispute was unresolved. I never heard from Standard Chartered thereafter and naturally I assumed the matter closed. Recently, I was shocked to learn that Standard Chartered continued to show outstanding in my name impacting my Cibil Rating. I have never heard back from Standard Chartered Bank in all these years and am a victim of Standard Chartered Banks Mis Handling and Mis communication to Cibil. Please help in correct closure and correcting my credentials at Cibil.

RESPECTED SIR, I WANTS TO TELL U THAT JAGDISH SINGH COLLECTOR WHO IS AUTHORIZED BY UR BANK SAY ME THAT HE SETTLE THE TOTAL OUTSTANDING AMOUNT IN RS 15000 AND SAY ME TO GIVE RUPEES 2500, I GIVE HIM THAT MONEY DATED ON 17/1/07.HE GIVE ME A RECEIPT WHICH NO IS ( LU501C101608) AND ISSUED BY THE M/S BESTEAM ENTERPRISES, CABIN NO:201 2ND FLOOR KABIR COMMERCIAL COMPLEX, PAKHOWAL ROAD, LUDHIANA. AFTER THIS HE SAY ME TO TAKE THE SETTLEMENT LETTER FROM THE BRACH AND SAY ME TO DEPOSIT THE BALANCE AMOUNT WHICH IS 12500 IN UR BANK.I DEPOSIT THIS AMOUNT DATED ON 3/05/07. UR BANK REPRESENTATIVE ALSO SATISFIED ME ABOUT THE SETTLEMENT OF AMOUNT.THEY SAY THAT THEIR IS NO DUE AFTER THIS AMOUNT.AFTER THIS UR BANK DON'T INFORM ABOUT ANY OUT STANDING AND DON'T SENT ME ANY LETTER ABOUT THE OUTSTANDING.AFTER EIGHT YEARS UR BANK SAY ME AGAIN ABOUT OUTSTANDING WHICH IS VERY HIGH AMOUNT AND OUT OF REACH ME. NOW I REQUEST U PLZ JUSTICE WITH ME BECAUSE I M NOT EARNING MUCH MONEY.AFTER THIS I M VERY UNDER STRESS AND IN DIPRESSION.PLZ HELP ME ABOUT THIS MATTER AND UNDERSTAND MY PROBLEM AND CLOSE MY ACCOUNT. WITH THANKS, HARPREET SINGH, 288, LACHHMAN NAGER, MILLER GANJ, LUDHIANA. M.NO:_[protected]

Hello, From Nov 2012 to April 2014, My Salary Account was in Standard Chartered Bank and I was using SCB Credit Card. Everything was going fine until the issues started in DEC 2013- JAN 2014. I forgotten my user Id & password of my SCB account and even after my several request, the issue was not resolved for months. These issues frustrated me lot because I was not able to do any fund transfer through online not even to do online payment for credit card. However, the delay was not due to my mistake but it was due to poor customer support of Standard Chartered. During those days, 90% of my time, I was travelling to out station (In the remote areas) and I was not able to see any SC ATM to deposit the Cheque also. I had only choice of making payment through online and I was stuck. In JAN 2014, I got transferred to Vizag from Kolkata and there is no SCB office or ATM in Vizag. On 11th FEB 2014, I had written to SCB Customer Care "I am simply surprised how you people are sitting so relaxed for last 2 months without solving a customer's issue, if I don't get my issues resolved in next 24 hours, I will switch over my salary account to other Bank account " But even after this kind of mail, the same was not resolved and at last I switched my salary account to other Bank. Meanwhile, SCB kept putting late fine and charges on me, Should we allow SCB to make money in unethical way? Keeping the issues which I was facing due to SCB; I preferred to switch over my salary account to other bank account and on 9th April 2014 itself, I did online payment of INR 20, 000.00. As per my expectation it was the settlement amount which I paid to close the card. Today on 26th FEB 2015, after discussion with SCB Dues Department, I again paid INR 33, 070.00 to SCB for closing the card. Should I be responsible to pay this money ? So who will be accountable for this delay SCB or I? Now and In fact, I am really disappointed to say that because of poor customer support from SCB, I could not be able to make the credit card payment on time and I have enough evidence for same. I have all the communication details and I want to take legal action against SCB for making money in the unethical way. Best Regards, Sunil Jha Visakhapatnam Mobile: +91-[protected]

Respctd sir, this is informe to you i pay my outstanding evry time before my Due date but last three manth i face late charges includ my bill my card no is 5941.chandrashekhar mishra.if this will happen evry time in future i stop using this card and also clear your a/c, concell my credit card.so reqst to you pls look in matter. thnx chandrashekhar mishra [protected]

This was with reference to Standard Chartered Bank credit card # [protected] which was never used by me, issued around ten years back. This card was issued to me as a free credit card and was never informed me while issuing that annual fees are applicable after 1 year. As i was using other bank credit card during that period, this credit was never used by me. Suddently after one year of issuance, I had received a call from the bank to pay annual charges, at the same time I told very clearly that the same was not informed to me while issuing the card and i did not want to contiune this card and requested to cancel my card. After that, i had never received any credit card statement with charges outstanding or never received a call. I was under impression the matter has been sorted out and my card has been cancelled. But I was shocked to see that my cibil score had "written off" outstanding payments towards this card which was never used by me and was unaware of. Before that all these years, i had never received any mail/hard copy of Card Statement from Bank detailing any of outstanding or had never been communicated by Bank about any balances to be paid or any due amount against this card. Considering the above facts, I sincerely urge you to remove this record from my CIBIL report as i was the victim of misselling by bank. Looking forward to receive the positive revert from the bank.

Hi Team, I, Irfan Mansoori, would like your assistance regarding illegal charges that have been levied on my CC account. I had applied for CC loan from SCB CC team which I was given on a monthly EMI of around INR 5300 pm. My primary account "A" was bifurcated by the CC team into 2 separate accounts "B" and "C". My first payment I made in Dec'14 on my primary account "A". To confirm the receipt of the payment, when I called the CC team, they confirmed that yes the payment has been received and it will be bifurcated into the accounts "B" & "C" and henceforth the same will be done automatically. However, this was not the case. After 2 months i.e. in Feb'15 statement, I was shocked to see that INR 1500 has been charged to my account for non-payment of my dues (which I had already paid in Dec'14). On cross-checking with the CC team, I came to know that the they had not deposited part of my payment in account "C" due to which the charges was erroneously debited to my account. When I complained about the same, they confirmed that the charges will be reversed, however still asking to pay around INR 750 i.e. half of the charges since the statement was generated. Why should I bear the consequences of the error done by the CC team ??? I had made the payment on time, and if its not properly updated in SCB system, is it my error ??? Today, I even went to SCB branch at Malad Link Road, besides Infinity Mall II for assistance. However, the lady at the Service Desk was not at all looking interested in even understanding my query. Indirectly, she was telling me to make the total payment (including false charges) or there will be trailing interest on the same. Is the accounting system of SCB so worse that they cannot even trace and correct the entries of payments or reversals ?? Is the system of SCB so week that they cannot rectify their own errors. I, hereby, would like SCB to immediately take necessary action and remove all the unncessary charges and generate a new statement with the exact and correct dues to be paid on my account. I request the concerned team to henceforth make such required arrangements so that next time no innocent should fall prey to such unprofessional team of SCB CC. Sincerely, Irfan Mansoori MOB: [protected] SCB CC No. [protected]

HYDERABAD. February 17, 2015


Card No.[protected]

The above card has been surrendered to your local Branch, Hyderabad, more than two years ago
and, at my request, this account has been closed. However, I continue to receive your monthly
credit card statements even now.

I had been granted a Credit Limit of Rs.1, 000, 000/- and a Cash Limit of Rs.100, 000/- and these
figures are shown in all the statements generated by you month after month. As I am on tour
frequently, I do not wish that any such statement should fall into the wrong hands in my absence
and thus give room for its misuse. Please, therefore, DISCONTINUE generating monthly statements
on the above card.

A line in confirmation of the above will be appreciated.

John Santosh Sanjeeva Rao

This was with reference to my Standard Chartered Bank Credit Card whose account was closed long back around March ‘2009 . For closing my Card Account, I had called Banks Customer Care number for an outstanding account on my card so can make an immediate payment and get my card accounts closed. After getting details of amount to be paid by Customer support officer I have paid payments to my SCB account and always had an understanding that Card had been closed with no outstanding left . But to my surprise, I got a call form SCB around year 2010 (don’t remember the month) about settlement for outstanding against my Card .When I had told them there was no outstanding in this card they called up to meet me in their Andheri office . Upon meeting them I was told I was told by them that there was outstanding payment of approx Rs.900 on my card which now been accumulated to approx .Rs.3000 for which I need to do immediate payment or else my name will blacklisted in cibil records. I explained my case as below 1. I never knew any balance outstanding on my Card as outstanding payment was made only after confirm banks customer support office. 2. I had never received any mail/hard copy of Card Statement from Bank detailing any of outstanding . 3. Or had never been communicated by Bank about any balances to be paid or any due amount. The card settlement team did gave me proposal for settlement by paying approx. Rs.900 which I never agreed to – as it was not mistake but banks and I have been victim of banks irresponsible negligence . Also explained them that my payments records for on this Standard Chartered Bank Credit Card was always been good and was always an good customer of bank . But my request failed on deaf ears of Card team as they were hardly accepting mistake from bank . Recently when one of credit card was rejected due to my written off cibil score, I came to know about that written off outstanding with the card was close to Rs.26000 . When I again had called them a year back - the settlement team inform him about negotiating with them on settlement for the closure of cibil score, which I feel is an blackmailing for no fault of mine. Appreciate i[censored] can help/ guide me how do I get this dispute resolved and how do I file a case with Standard Chartered on getting my dispute resolved ?

name: vibhor jund StanChart Card No XX6741 transaction details: On Wed, Feb 11, 2015 at 2:31 AM, alerts.[protected]@sc.com wrote: Alerts February 11, 2015, 01:01 PM Dear Valued Customer, Transaction Alert Primary / Supplementary Card Thank you for using StanChart Card No XX6741 on 11/02/15 for INR 575.00 mail received from airtel: On Wed, Feb 11, 2015 at 3:12 AM, wrote: Dear Customer, Greetings From airtel ! This is in reference to your email regarding Payment not posted of your airtel mobile number [protected]. As per our record, payment of Rs. 600/- has been received as on 11/02/2015. We have not received the payment of Rs. 575/-. I request you to revert with the details below details, depending upon the mode of payment. 3. Credit/Debit Card i. Payment amount ii. Date of payment iii. Credit card/Bank statement showing the debit iv. Location of payment Request you to respond with the relevant details, providing the breakup of the amount to be posted against each of the numbers. I will further action on the email. For further queries, please do email. I would be delighted to assist you. Best Regards Kilaru Surendra Service Specialist airtel business [protected]Original Message[protected] From: [protected]@gmail.com To: [protected]@in.airtel.com Cc: Sent: 11/02/2015 01:15:17 PM Subject: [protected] PAYMENT ISSUE after doing payment from my standard chart card no. XX6741 ON 11/02/15 FOR INR 575.00, i got message on my mobile from stan chart card that amount has been deducted, however the page got stuck on blank page on airtel.in ( i got sms from airtel transaction id[protected] portal, i checked and payment was not updated in airtel.in system, then i again made payment of INR 600 (got airtel sms[protected] using same credit card and payment was successfully updated on airtel.in Please return INR 575 to my stan chart credit card. let me know on [protected] if you need anything.

sir, I am N.M.Rajesh regarding personal loan no. 46556966, I settled this account on 23/2/2010 letter no.2010/MAD/PL/32 DD 394637 23/02/2010 sbi amount 142000. I request to issue closure letter and invalidated the account but Saha fin lease is calling for payment for the same, so please do the needful and send me the closure letter and be sure not to get anymore calls further., . smart credit a;/cno.[protected] letter number 2010/MAD/SMC/35 dt 23/02/2010. scb card no:[protected] letter number mar[protected] customer no.[protected] above mention card details also i need closure letter I request to do the needful.

I'm using standard chartered Bank MANHATTAN Platinum credit card ending with **** **** **** 9315 since Nov-2013. As per my card policy if i spend more than 60000 per year, there will not be any Annual charges. I spend more than 60000 between nov-2013 and oct-2014. But in my November credit card statement issued on 4/10/14 they charged following charges.
041114 ANNUAL FEE 999.00
041114 SER TAX & CESS 12.36% 133.40
Unfortunately i didn't check the statement I paid full amount on the same statement. After one month I verified the same and I found the above charges are included in the November statement. I called customer care regarding this and she replied that, you already paid the amount so we can not refund the same amount. This is not my mistake, As per the card policy they should not charge the Annual fee the Nov statement because I spend the money as per the card policy. This is not the correct way to provide the service from a bank. Hope you will see the complaint and refund my amount ASAP.
With Regards,
AnoopSasi
Etisalat Software solution pvt Ltd,
BangaloreMob: [protected]
E-mail: [protected]@gmail.com

As the standard chartered bank master card details of which are given above was issued to me without my consent/knowledge and a bill of Rs.2499 was raised for which I regularly made telephone calls in your office inquiring that how this card was issued to me and i was assured by the banks office staff that they will not charge any amount in lieu of this card. However till date the bank failed to do so and the amount regularly appeared in my bills, for this I had written the letter to the manager customer care standard chartered bank 3rd floor express building, 9-10, Bahadur shah zafar marg delhi dated:-05/04/2004 (copy of which is attached) Now today ie.s 28/01/2015 i went again to narayan manzil barakhamba road office and have again requested/written the bank authorities a letter for doing so. This mistake of not getting the debt cleared is now reflecting on my CIBIL which tarnishes my image as i am unable to get loan/financial help. Kindly resolve my matter at the earliest and i would be highly obliged

This is to bring to your kind notice that my earlier credit card No. [protected] was misused on 6th Jan 2015 with some overseas transactions. i came to know of the same through the instant SMS at the same time & immediately i have authorized the bank to cancel my aforementioned card. The total amount misused was RO.396.123 (Three hundred & ninety six & baisa one twenty three Omani Rials only). I immediately received a confirmation from customer care stating that the card has been blocked & the transactions were done at Walmart US (total of last 8 transactions). I was also informed that i will not be liable to pay the aforementioned amount as the card is blocked.The card was given back to SCB at Muscat, Oman on 6th morning. I was issued with a new credit card[protected]. i was surprised to receive the statement on 11th Jan asking me to pay the aforementioned amount. I have sent a mail to customer care on 11th Jan after receiving my new statement. But i have not received any response from the customer care dept. Request you to kindly take a note of this & revert at the earliest.

Mail written to SC bank as below, which is self explanatory. Dear Sir, Further to chain of trailing mails, please note that as per RBI notice no. RBI/ 2011-12/63, DBOD.No.FSD.BC. 14 / 24.01.011/ 2011-12 clause no . 3(a), card issuers has to ensure that there is no delay in dispatching bills and the customer has sufficient number of days (at least one fortnight) for making payment before the interest starts getting charged. In order to obviate frequent complaints of delayed billing, the credit card issuing bank/NBFC may consider providing bills and statements of accounts online, with suitable security built therefor. Banks/ NBFCs could also consider putting in place a mechanism to ensure that the customer’s acknowledgement is obtained for receipt of the monthly statement. In addition to above, I would like to illustrate my case here again with specific details and sequence of events: 1. Only after follow-up and request, I received my statement of Jan’12 on 28/02/2012. 2. After receipt of the above statement net balance was Rs. 3055.55, of which I had paid (Rs. 3050.00) on 05.03.2012 3. Despite intimating that the statements are not being received by me timely, the subsequent statement of Feb’12 dated 26.02.2012 was also received late. The net balance was Rs. 4669.54, which included balance amount (Rs 3055/- of last bill) and progressive expenditure of Rs. 984.5 +Late/interest charges of Rs. 629.49/-. a. As explained above, my complaints of receipt of statements late in previous months has not been addressed by your organization, yet I was victimized and penalized by slapping a late fee + interest charges are charged. I was never in agreement that for flaws in your system, I should not be penalized. It is the responsibility of the Bank to rectify and reverse such an amount. b. On experiencing the poor service and highly un-coordinated customer care system I have specifically requested your bank to close the card and discontinue the services provided to me in the month of Feb/ March’12. c. Even though I was not convinced, and did not receive the statements, I took a step forward to settle the bill upto March’12 by making payment of Rs 1700/-(on 31.05.2012) to close the matter. This included the forcibly charged late fees and interest charges upto the month of March’12 d. To my dismay nobody is reviewing the case in its true merit and an individual is being victimized unnecessarily. e. No transactions has been made on the card since Feb’2012, as it can be seen, how disappointed I have been with the service and customer support. 4. Considering the issues with delay in bills/statement, no SMS alert, Self has request bank in Feb/March’2012 for closure of credit card, which is also confirmed by bank for closure, hence charges applied later on me are not my account. 5. Even after closure request bank is sending bills, such one is I have written to bank on 07.11.2012 that bills are still receiving late & again request to close the card, since same will not be entertained further. 6. Even on my repetitive requests for closure of card, bank is continuously levied charges on me, for which I am helpless. Such conduct from such conglomerate group is not expected, now even your assigned claim team has also agreed, but due to procedural constraint they are unable to reverse the amount. Mr. Jagdesh & Mr. Sarvana, instead of approaching to higher officials, they are compelling to settle the amount and frequently hinting that if I will not settle it will continue affecting CIBIL rating. I would like to understand when I am not at fault, then why should I pay to settle. Bank has to take corrective action for closure of this issue.