Standard Chartered Bank Complaints & Reviews

I have acredit card of Standard Chartered Bank (Credit card number-[protected]).InJul/Aug-2012 I was out of bill India and I did not receive any bill or sms during that period so I was unable to pay the bill in that month. Then after coming back I got bill and Irequested to standard chartered customer care executive towave off that charge as a customer gesture then I did not get anyresponse. After that I sent an email for the same and also request to stopimposing the interest and late fee charges then they wave off only Rs. 300 Rs. (approx.) in comparison to Rs. 2178 and by that time I made the payment of allthe shopped amount. This was thefirst support I asked from standard chartered bank in the earlier 2 yearhistory. The issue stretched upto Jan. 2013.Afterthat also I have tried many times to standard charteredcustomer care but no executive has picked up the phone for 1 hour even. Then in the April 2013 also I have tried to settle the matter. Then I have shifted to Bangalore. And again I was out of India for1 year approx. Then in Sep. 2014 I come back to India andtried many times through phone. Also once I have visited bank (Koramangla-Bangalore) then firstly they told that they did not deal with credit card and they give somebody’snumber but firstly that number was not related to thatlady somebody else picked and again she says that she willarrange a call but I never get a call. This history repeats many times. Again on 31-Oct.-14I took leave for this matter and visited bank (MG road-Bangalore).I have waitedthere for 1-1/2 hours then somebody came and told me that as it is matter of NCR so they cannot help and they will arrangea call. After lot of my request they arrange a call fromDelhi. That executive simply imposes all the charges on me andsays I have to pay Rs. 13000(earlier was Rs. 2178).He says that I have to paythe entire amount if I want NDC (no dues certificate) otherwise they will suckmy CIBIL score like a blackmail. However I have always shows positive attitudeto settle the matter but they never response me and at the end of the day theyare imposing all the faults in my head. Regards, Akhil Jain Mobile-+91-[protected]

Hi, I had chose to close the SCB card in 2004 and surrendered the broken card as well. One fine day this month, in 2014, I am getting a call to my corporate number ( since I hold a salary account with SCB ) telling me that I have outstanding due on my old credit card! I was shocked and surprised to hear this. Now I understand, why people always warned me to stay away from this bank. Irony is, for all these years, neither has my home address changed, nor my landline number. Why have they not contacted me so far ??? I am not sure why they have slept on this for 10 years and waking up now to settle this ... Worst part is this is affecting my CIBIL score ! I am a physically challenged person and this is causing me a lot of mental agony. Not sure how to take this forward .. Planning to post in glassdoor as well.

My Credit card was renewed without even informing me and then handed over to someone else. I guess standard chartered should communicate when they renew the old card in an email form. I was not at all informed about it. I have been in USA for last four months and pursuing my higher studies. Then how come the credit card was handed over to some else. Who signed to receive the card or the courier people took it ! The card has been used cruelly. Please help me out . I didn't receive any email on the day the card was used. Directly received the global statement showing up all the fraud-ant use of the card. Abhijit Ray [protected]

I have taken a home loan from Standard Chartered Bank at a "Floating interest rate" more than 11 years back. The interest rate has increased considerably many times. I started at almost 9% but as of now my rate of interest 13.5+ %. When the current rate of interest of Standard Chartered Bank in 10.15%. I have take loan from 2 banks at a time one is from Standard Chartered Bank & other is from Corporation Bank both amount was 9 lac from each bank I was think to close my loan account so when asked the final amount from both bank i found was Standard Chartered Bank due is 737000/- where corporation bank due is 3, 00, 000/- aprox so there is a big difference of 4 lac. If RBI have increased the rate of interest so its for all Bank how can the rule is different for different bank. This is cheating. And when i call and mail them to ask tell me the reason why are you charging so high they don't reply for that. I have been mailing them from more than a year but i have came with no solution.

Hi All, I Kanika Vyas am writing on behalf of my Father Mr. Harsh Vyas who is credit Card holder of Standard Chartered and is a senior citizen. This is a complaint against your renowned bank credit card division collection agencies.I am really disappointed rather shocked to hear the way your collection agents deal with a senior citizen like him. They just do not have respect that how should one should be speaking to an aged fellow like my father. The issue is whenever he gets a call from collection agents; they speak very rude to him and post which he goes into a mental trauma. The way these agents speak to a senior citizen is actually embarrassing for a renowned bank like yours. He has not used the card for more than an year, you can check the same internally through your data. Moreover after my repeated request to Standard Chartered Call center Team he is still getting these types of calls .I would not recommend anybody to use your credit card services since you guys do not any sense to talk to a senior citizen. He has not been receiving any statements or any sms informing about due amount for last more than six months. He is only receiving these threatening calls from your collection agencies.He literally does not talk to anybody for hours after talking your collection agents over phone after a lot of persuasion from everyone at home he tells that he is received such kind of call where he was asked literally to go 35 kms from his place to pay INR 1000 minimum due . He is been tortured a lot by your collection agents that he has now starting hiding about this call from his family.I hereby demand to waive off all the late fee charges and other bank charges, charged on my father’s card. Provide him with a small amount which he can pay as a settlement amount to discontinue with the card services . Note :: This issue was discussed already with Padma your complaint officer from Chennai since i have filed the complaint already however this has not been resolved till date and my father's health is deteriorating day by day. Card Holder’s Name: Mr. Harsh Vyas Card Number: XXX 0758 XXXX 2049 Request you to Contact me also STOP CALLING AND HARNESSING MY FATHER WITH YOUR NON TRAINED COLLECTION AGENTS CALL ME IF YOU WANT THE CARD AMOUNT TO BE SETTLED IF HE GETS A SINGLE CALL I WOULD ENSURE THAT YOU GUYS SHOULD NOT GET A PENNY FROM ME. Regards Kanika Vyas

Dear team, This complaint is regarding my credit card ending with 8582. I filled an online form and paid the fees of Rs 280 using StanChart Card. That payment failed on the website but StanChart deducted 280 Rupees from my account. I called customer care people but they said that they can't do anything since the amount has already been Claimed by the website. Now what should I do when even bank can't do anything. Regards, Shiv Kumar [protected] [protected]@gmail.com Registered mobile number is [protected]

Gmail Google+ Calendar Web more Sent Mail Re: Personal loan applicatil-[protected]-worst customer service by STANDARD CHARTERTED BANK S Sriraksha Sridhar to head.[protected]@sc.com, nodal.[protected]@sc.com, principal.nodalofficer, +1 1 hour agoDetails Hello again, I got the below msg from your bank, when I called up phone banking I got a plain answer that my loan is rejected because my salary is not 30k!!! To listen to this kind of a non-courteous statement you asked me to call up phone banking??? Instead you should have replied to my mail saying "we don't care about any of customers so we cannot consider your request again, hence we are rejecting your loan application" If you're not able to provide an one off case personal loan then why do you even call it a resolution?? The resolution is for your sake, just closing the complaint with pathetic response does not mean resolution for customers!!! Best customer service is your tagline correct?? Please change it to "pathetic customer service even after complaining, because WE DON'T CARE". When you can't understand a customer's situation then why are even bothering to take a complaint?? If you're so bothered about salary then why are taking all salary accounts, instead take only those accounts who are above your normal standards. When you can't provide normal services all customers then no need of having all customers. Stop playing with feelings of worried people, this is not at all the way. Not even close to best customer service. I knew you'd respond back with negative results, but still somewhere in the corner of my mind I thought such a big financial organization would want to save it's reputation. But you proved me completely wrong, congratulations!!! I'm not writing this mail to take out any ambiguity, just making sure that you know what you and your services did. I seriously feel pathetic of my choice of salary account. This feedback will be passed on to relevant parties so that no one in future should go through this kind of a pain by holding an account with your bank. What's the use of escalation matrix?? Does your nodal officer read this mail??I can tell that you'll not even bother to take this seriously and ignore the mail. Just to reiterate, your services are the worst and you don't have the sensitivity to treat complaints. If I was at your place I would have treated the complaint in a sensible way and made sure the customer was happy. Lastly, not a threat but a action item for me because you made me suffer for choosing you as my salary account... I'll make sure this feedback reaches to millions via social network because you and your services deserve it. "We are pleased to advise that your complaint registered with reference number [protected] has been resolved. For further information, please contact Phone Banking-StanChart" On Monday, October 20, 2014, Sriraksha Sridhar wrote: Hello, I'm holding a salary account [protected] at your bank. I'm in need o[censored]rgent personal loan, for which I tried to apply online from your site but it did not allow me because my salary is 19500 (net) per month. So I went to other option bankbazaar.com where they sent me a application from standard chartered itself even after entering the same salary details, astonished!!! The fun doesn't stop here... I got a call after 3 days of application from your bank, the executive told salary is not a matter madam but you should be having a loan or credit card to apply for a loan, seriously??? Good job again. My friends with same salary and experience have got the loan from ICICI, AXIS etc banks without having previous loans or credit cards. Now I want to know what is the use of having a salary account with your bank when you can't take care of your own customer?? Seriously I'm feeling bad that I chose your bank for my salary ac, if I would have taken some other bank I could have got the loan bcoz I've salary account with them. Atleast the other banks wouldn't have given me reasons like you did. Really folks it's not the service that a customer of your bank expects... This is uncalled and biased customer service. From now on I will make sure not to give referrals to your bank to any of colleagues or relatives because I don't want them to suffer like I did. If you really want to prove that your bank is best in service and change my feedback into positive, then re-look into this matter and provide me the personal loan at the earliest. Thanks Sriraksha

I was using Stan Chart Credit card, some how I lost my card and I blocked it immediately. Also at same time I asked for new card, but that card was not delivered for 3 months and it was just roaming from bank to courier and courier to bank. No one form the bank was bothered to ask me about the delivery of card. Bored from such lethargic attitude I ask them to cancel the credit card. Moreover at that time no one inform me about reward points redemption and told me that if you want to redeem the points you will have to accept the credit card, but through series of chain mails and argument's finally bank agreed to redeem the reward points. They agreed to give redemption in month of March 2014 but the actual gift card was delivered to me in month of Sep 2014. When I checked the card status it was expired and its issuing date was 27 Aug 2013, with validity of 1 year. I bring this matter in notice of the bank but nothing is done. Even I have forwarded this matter to Banking ombdusmen but he is also playing character of mute spectator.

Hi,
I have used standard chartered bank credit card. I told them to cancel my credit card account several times over phone, but they didn't. From last 2 years, i am not using standard chartered bank credit card. Even they are calling me to pay the annual fees. Now even after 2 years, they have not closed my account. Please tell me the procedure to tackle this caes.

Thanks,
yash

branch manager of standard charterd bank indore branch, DM tower, Zanjir wala square is having his swift car registered from daman n due as DN number is running his car since last 6 months in indore without paying taxes of MP or getting his car registered in MP. bEING AN mnc bank branch manager he is running his car fearless and no authority is bothered about rules and regulations. This is how MP RTO works.

i have credit card from standard chartered bank which is taken in the year 2012. credit limit is 20000 only. In that I have purchased something and drawn some money also. Ist month I have paid the due amount through cash. and for 2nd month they have deducted for Rs.8000/- for some insurance without my concurrence/ signature. Immediately I asked them to stop the insurance, becuase I am working for central government office I am getting everything through of office itself. After so many reminder also they didn't do anything. Then I stopped payment. Now I would like to stop /block my credit card . Now it is showing in the CIBIL record. This is very much problem for me to avail loan etc. Please do the needful action R.Agilan C Card NO.[protected]

I am receiving messages that credit card payment overdue and this is happening since from last 4 months and best part is I never used the card. I contacted so many times t bank (Email / Phone), they said will fix with 3 days, but 3 days never happened yet. I am really frustrated by the service of SC Bank.

Respected Sir, I have a Standard Chartered Super value Titanium Credit card bearing No. XXXX 8711. However, when I was reading Important Information Document today, I noticed a strange clause which I have not come across till date with any of the other banks. Although I have signed on the important information Document, I do not accept one clause mentioned in it about chargeable phone calls. It has been mentioned that Non-IVR calls attended by phone banking officers – 3rd call onwards in a calendar month – Rs. 50 per call. I have following objection on this controversial clause – 1) Wrong / Incorrect e-mail ID provided by them – When I received the card, there was important information mentioned on the backside of the paper where credit card was attached. Please go thru the attachment sent along with this mail. The last section on the backside is Contact information – It says – Write to Us: Card.[protected]@sc.com Also, there were no details of the billing cycle such as – Bill generation date, due date etc. mentioned anywhere on the documents / papers received along with the newly received credit card. So obviously I wanted to know about it so that I can plan my swipes as per the funds availability. For the above reasons, when I sent e mail to Card.[protected]@sc.com, within 5 minutes, I got a failure delivery mail saying it’s a inexistent e mail address. I tried resending the mail by mentioning all small letters on card.[protected]@sc.com But even it bounced back. It clearly indicated that the e-mail address mentioned in the contact Information section was wrong. When mail sent bounces back as failure delivery due to wrong e mail address provided by them, what is my mistake? That’s why I had to make a phone call. So for their mistake, I was making phone calls. If the e mail address was correct, I would have not made any phone calls. On enquiring with their customer service executive, I was told that the correct e mail address is card.[protected]@sc.com It was the printing mistake on the part of bank which was the cause of my mails being bounced back as failure delivery. Also, they had wrongly updated my mobile number without country code +91. Therefore I wasn’t able to register my card for online usage. Since the e mail ID mentioned was wrong, I had to make phone call. My quota of 2 free phone calls was thus therefore exhausted on the first day itself after receiving the card, for no fault of mine. 2) T-PIN generation – It has been mentioned that complaints & card blockages requests for lost card wont be included in this charge. However, nothing has been mentioned about T-PIN generation request. When I receive a new credit card, I have to generate a new T-PIN for IVR usage. This is also included in the monthly quota of 2 free calls. No where it is mentioned that phone call made for T-PIN generation will be excluded from this charge. 3) Mobile network connectivity – When I am making phone call to SC bank s helpline from my registered mobile number, there could be connectivity & network issue & while speaking my phone call may get dropped / disconnected. So I would need to make another phone call. Suppose this call also gets disconnected, then I ve exhausted my monthly quota of 2 free phone calls & the third call that I make would be charged on my card at Rs. 50 per call. If the phone call gets disconnected while talking to ur customer service executive due to service provider’s network connectivity issue, is it my fault? Why should they punish me by charging Rs 50 per call just because my phone call was dropped / disconnected? So practically speaking, I have to bear the brunt for Vodafone’s poor mobile signal & pay them for Vodafone s fault. 4) Not a Toll Free number - Unlike other banks e.g. Kotak bank which offers Toll free number for its customers, Standard Chartered bank does not have one. When I am making a phone call from my registered mobile number to the bank, Vodafone is already charging me for the outgoing phone call. It must be noted here that in last six months mobile to landline phone calls have become expensive. As such when a phone call is made to SC bank helpline number [protected] / 39404444, it takes minimum 4 to 5 minutes to get thru the IVR. If your customer service executive is busy talking to other customers or if he has some query which he wants to clarify from his senior floor manager, our call is kept on hold. If the average hold time is approx 10 minutes & the actual speaking time is 10 min, this call would cost me Rs. 24 for total 20 min duration. Over & above this, the bank would charge me Rs 50 per call if its 3rd call onwards. That means I would be paying Rs. 74 for a single phone call made to the bank. This would take away all the benefit that I m receiving by way of 5% cash back the bank is offering me. So what s the use of getting the cash back if the bank is backstabbing its customers by charging for such non-sense reason & the offer / benefit is getting nullified? 5) Calling for a reason – When I am making a phone call to SC bank on its helpline number, it is obviously for a reason. I won t be calling the bank to discuss about today s weather conditions or to flirt with their female call centre employee. Since I am paying from my pocket for the outgoing phone call, I would obviously never make unnecessary phone calls to the bank. 6) Not a free credit card – Super value titanium credit card is not a free credit card. I m paying joining Fees of Rs.560.68 (Incl of 12.5% service tax) & Annual fees of Rs. 843.75 from 2nd year onwards. So they are charging me for issuing & maintaining the credit card. 7) Clause exclusive only to SC bank – Over last 10 years, I have been using credit cards of ICICI bank, Citibank, Kotak bank, Axis bank, HDFC bank, SBI etc. They do not have any such clause & whenever I have any query, I can call them freely without being worried about the extra charges being levied on my card for calling them. I have never come across with such a controversial clause of charging Rs 50 per call from 3rd call onwards in a calendar month. Except SC bank, no other bank has such a clause. 8) New customer – A new customer of SC bank who is eager to use the card won’t be well versed with their internet banking platform. He would have queries – - while registering the credit card for the first time for online usage. - about billing cycle. -while trying to register the billers / utility bills for Autopay facility. - about payment of outstanding dues on the credit card. So he would be making phone calls in the initial few months till everything falls in place. But the bank wants to punish him for making phone calls to them. 9) Customer of SC bank who is not Tech savvy – There is this credit card customer of Standard Chartered bank who doesn’t use computer / internet. He is not computer / tech savvy. Does nt have a computer / laptop at home & uses a simple mobile phone, not a smart phone. But he does use a credit card regularly. He has few queries about usage of the card at different times as per the scenario. A query is a doubt, its not a complaint. Since he s not computer / internet savvy, he can t send a e-mail to them, the only way he can clarify on the doubt is to make a phone call to SC bank helpline & ask. But as per their policy, the customer can have only 2 doubts in a month & his phone call should never get disconnected / dropped because of the network connectivity issue. If he has more than 2 queries or his phone call drops while talking to ur customer executive, they will punish him by charging Rs. 50 in the next credit card bill. Its not a crime not to be computer savvy. But the bank wants to punish their clients for not being tech savvy. That’s unfair. 10) Spam Calls from SC bank - Inspite of my mobile number in DND, I receive lot o[censored]n necessary spam calls from SC bank for personal / professional secured or unsecured loan / credit cards which I am not interested in. What about that? How do I punish them for making unnecessary calls when I am busy with my patient in operation theatre? There is no limit of 2 calls per month when they call me. 11) Call centre employees with Fixed salary - Any call centre employee has fixed duty hours & gets a fixed salary inspite of no of phone calls he or she attends. Its not that the bank needs to pay the call centre employee additional amount for attending more phone calls. He is going to get the same salary whether he attends 4 phone calls or 40 phone calls in his duty of 8 hrs. Also, as mentioned earlier, helpline number of SC bank is not a toll free number. So the customer making a phone call to them is paying from his pocket without any extra additional cost to the bank. So irrespective of whether the customer calls them twice in a month or 5 times in a month, its not going to be a penny extra cost to the bank. Then why do they want to charge Rs 50 per call from 3rd call onwards in a month to the customer? 12) Impossible to count & remember no of previous calls made to the bank in that month before making next phone call - It is impossible for any customer to count & remember phone calls made to the bank in that particular month & then decide whether to make next call to avoid being charged Rs 50 from 3rd call onwards during that month. We are busy professionals with my own hectic schedule. I cant keep a track of all these small small petty things in life. It s no ones priority to remember & count such non-sense things like counting phone calls made to the bank in that month. Even if I wish to count, it is impossible to remember & keep a note of it. The bank officers think that we don’t have any other work & the only work we have left in our lives is to count number of phone calls made to them in that calendar month. The bank wants to take advantage of it & wants to make money out of it 13) Sending sms to [protected] is not an alternative to phone call for a urgent issue or when I m standing in shop to buy something on ur card - As an alternative, I was told by call centre employee to send a sms to [protected] & wait for the call centre employee to call me back in next 24 hrs. But who has time to wait these days for 24 hrs? I would like to speak to their call centre employee when I am free to talk. What is the use if the call centre employee calls me back when I am busy in my work? If I have a query just before swiping my SC credit card at merchant establishment, I would prefer to call at that point in time only. When I am standing in the shop to purchase something, why should I send a sms & wait for their employee to call me back after few hours? I want a instant solution to my query & for that I need to call their call centre. 14) Increasing the psychological distance - I know that bank like Axis, ICICI, Citi, HDFC are just a phone call away when I am in trouble or when I have any doubt or query. Whereas, Standard chartered bank credit card customer would always have the fear in his mind that this might be his third call & the bank might charge him for calling them. 15) One day offer by a merchant – Also, e mail sent would take time for receiving reply, on an average 3 to 5 working days. If there is any one day offer by a merchant & I have any query, I would need to make a phone call to the bank to clarify my doubt. If I send e mail & wait for them to reply, the offer would get over by the time I receive reply from the bank. But by punishing their customers by charging Rs 50 per call, they r not only reducing phone calls to them, they r increasing the psychological distance of the customers from them & the customers won t feel that the bank is just a phone call away. It would not give their customers the feeling of "My bank" or "homely feeling" while banking with SC bank. SC bank does nt want their clients to call them. They want to punish them for making a phone call to them & make money out of it. My humble request to them to go thru all the points that I have raised over last one month thru my all mails went in vain. They have refused to cancel this clause. In the reply to my mail, they have only re-iterated their policy. The clause of charging Rs 50 for making a phone call to them from 3 rd call onwards in a month remains. It s unfair clause & shows very cheap attitude of senior SC bank officials towards its customers. I do not agree & accept this controversial clause of standard chartered bank which is not a regular norm in credit card industry. I request you to direct them to remove this controversial clause. Thank u. Dr. Sameer Chitnis. Navi Mumbai. [protected]

Respected Sir, This is in reference to my recently received Super Value Titanium Credit Card No ending 8711. It has been mentioned everywhere on the website, emails, sales promotions that 5 % cash back would be given for fuel spends across all petrol pumps, phone bills & utility bills. It was also mentioned that minimum transaction amount for cash back eligibility would be Rs 750/- & that maximum cashback per month would be Rs. 500 I received my first e-statement of the card on 16th Sept. I was astonished to read a note at the bottom of the statement which mentioned – On Super Value Titanium Card effective August 2013, the maximum cashback would be Rs 200 for spends on Fuel (inclusive of surcharge), Rs 200 on Telecom and Rs 100 on Utility bill payments This clause although effective August 2013, has been purposefully kept hidden by the bank till issuance of the card & revealed directly in the first credit card statement. Although it was mentioned 5% cash back would be given per month, break-up of this 500 Rs cash back into 200 + 200 + 100 (fuel, telecom & Utility bills) was kept purposefully hidden by the bank. I had decided to go for the card solely for the purpose of 5 % cash back on Fuel spends across all petrol pumps & it was not told or mentioned anywhere that it would be limited to Rs. 200 per month Before applying for the card, I had carefully studied the fine print of the card. Before applying, I had read & understood details of the card by following means - 1) E-mail received from standard chartered bank (Screen snap shot No 1) It does not mention the break-up of monthly Rs 500 cash back into 200 (Fuel), 200(Telecom) & 100 (Utility bills 2) Online application Form to apply for Super value titanium card (Screen snap shot No 2 ) – It does not mention the break-up of monthly Rs 500 cash back into 200 (Fuel), 200(Telecom) & 100 (Utility bills Click on the link - https://apply.standardchartered.co.in/credit-card 3) The website (Screen snapshot No 3) – The Super value titanium card details mentioned on the website – Nowhere this clause is mentioned. Click on the link - https://www.sc.com/in/credit-cards/super-value-titanium.html 4) Terms & Conditions of Super value titanium card mentioned on ur website (Screen snap shot No 4) – Amongst all 18 terms & conditions, no where this clause of break-up of cash back amount is mentioned. Click on the link – https://www.sc.com/in/_documents/service-charges-fees/super_value_titanium_tnc01...⇄ 5) My telephonic communication with sales representative- Before applying, I spoke to the sales representative Mr. Mainul Chaudhury (Mobile No [protected]). Even he did not tell me that Fuel cashback is limited to Rs 200 per month & so on. 6) Most Important Document – On which my signature was taken at the time of applying for the card. Even this document does not mention this clause. Thus my impression before procuring the card was obviously was that I can utilize this Rs 500 cash back per month amount into any category as per my wish e.g. Rs 500 (Fuel) + Rs 0 (Telephone) + Rs 0 (Utility bills) or Rs 400 + Rs 100 + Rs 0 or Rs. 300 + Rs. 0 + Rs 200 etc. But that was not the case. So the bottom line is that, everywhere only the limit of Rs 500 per month for cashback had been mentioned, However, break up of this cashback amount into 200 (Fuel), 200(Telecom) & 100 (Utility bills) had never been disclosed anywhere by the bank before issuing the card. It has been disclosed only after issuing the card in the first card statement. I would have still accepted it, had it been a new clause from this month onwards. But it clearly says that its effective Aug 2013. When I asked them I would like to know from them as to why this clause has not been mentioned anywhere on their website under Super value titanium card or its terms & conditions – I was told we would investigate & let u know. When I raised the issue to their nodal officer, & asked them that I have not used this card & they have cheated me by hiding this clause before issuing the card, whether I should be paying them the joining fees or not if I decide to discontinue using this card? I was not given any answer by the bank till the due date of the statement. I was not given permission to discontinue the card without paying the joining fees. I was then forced to pay the joining fees of the card for the fear of them spoiling of my CIBIL score. When I paid the fees & when due date of the statement was over, I received call from the bank that it is the bank’s policy not to disclose the break up of Rs 500 (into Rs 200 + 200 + 100) to the customer before issuing the card. I was told that it is our policy to disclose this break up only in the first credit card statement. I, then received the e mail reply after 15 days of raising the issue, saying the same. But by that time, I had no option but to pay the joining fees as the due date was nearing. Since they had purposefully kept this clause hidden from me before selling the card & disclosed it only after issuing it in the first card statement, it amounts to unfair trade practices. They are still justifying this unfair trade practice under the pre-text of “Bank’s policy” Even after bringing it to their notice, they are still not ready to mention the break up on their website under “Terms & conditions of Super Value titanium card” so that they can still woo the new customers by providing half & incomplete information. If they had mentioned about this clause on their website under Terms & conditions section of Super value titanium card, & I had known before applying that fuel surcharge waiver & cash back is limited only to Rs 200 per month, I would have never applied for this card as the my sole purpose to apply for this card was to get Fuel surcharge waiver + cash back on Fuel spends across all petrol pumps. But after receiving the statement, I feel the purpose for which I had decided to go ahead for this card itself is not getting served with this clause mentioned in the statement. They can not hide any clause from me before issueing the card. It needs to be mentioned somewhere on the website under Most important terms & conditions. This is a not a free card. I have already paid joining fees of Rs 561 & would be paying them annual fees of Rs 750 per year. I have the right to know about the fine print of terms & conditions of the card before I apply for it. I don’t want my joining fees back now. I want you to direct them to mention the break up of Rs. 500 on their website in the Most important terms and conditions, in Most important document, in sales promotion, in e mails etc. Thank you. - Dr. Sameer Chitnis

Add a Comment User vraj Senjaliya on Oct 17 2014 Hi All, Standard chartered bank is probably the worst in resolving issues. The customer service doesn't have enough information to handle the complaints. Standard Chartered FAQ: http://www.standardchartered.co.in/_documents/billdesk/faqs.htm 1- The above link has info saying if transaction is failed you can give the transaction reference number to customer service to roll back the transaction and money will be credited back into the account. When I called the customer service they don't even know how to track this. 2- The auto response for the customer service emails (Card Services <card.[protected]@sc.com>, Head.[protected]@sc.com, nodal.[protected]@sc.com, Principal.[protected]@sc.com, straight2bank.[protected]@sc.com) comes after one day. I never seen a system which is so slow. Probably they were using the Terminator 1stpart time of mainframes which are rusted and doesn't work even if someone kicks them. 3- The payment due date for my credit card is on 13Oct, 2014. May be due to the bad luck associated with 13 number, My payment which is made through billdesk link given in the statement email is not reflected after 5days. I paid on 12 October 14today is 17Oct2014 and still they don't see my payment.(Neither can the roll back as already mentioned in 1st point) 4- The customer service has utterly idiotic policy, which says only two calls per month on non-IVR is free. Remaining are chargeable Rs.50 per call. As I've to follow up the payment with useless customer service team for two times till now, I thought 50rupees can be spent to check the payment after 10days. Now a lady responds "pay the minimum amount to avoid late payment fees". Iam not satisfied (infact irritated) with her answer and asked to escalate and she made me wait in the call for 15minutes. Nobody will ever answer. Probably this is strategy to make you mad so that you can attempt suicide or murder somebody who answered(Because I don't have enough money and the payment is nearly 50k). 5- Highlights at last... Once you have credit card and ask them to cancel it, I bet nobody ever know the process of how to get rid of this horrible credit card. They will ask you what is the reason, will suggest you to reduce the BP and be patient till issue gets resolved... Issues NEVER GET RESOLVED ESPECIALLY WITH STANDARD CHARTERED, so you might ultimately become patient. After all this, I've decided to stop using this and printing some Pamphlets which read "PLEASE DONT TAKE ANY STANDARD CHARTERED PRODUCT. YOU WILL HAVE TO TYPE IN ALL THIS and JUMP OF YOUR OFFICE BUILDING If YOU DID TAKE. -yOUR wELL Wisher" "--Enjoy Life STAY Out of Reach for 'Standard Chartered'---"

I redeemed some of my Standard Chartered Credit card points for an electric kettle from the online rewards portal of standard chartered bank Indian website in the month of July, 2014. When I received the kettle the lid was damaged. This I brought this to the notice of the bank by registering a complaint, The resolution they provided was the kettle merchants contact details and asked me to contact them. I did as per their suggestion (I had to contact the merchant and they in turn gave me their outsourced service centres number) and after about 15 days of contacting the service centre, they visited the house and told me that only the lid will be replaced. This happened in 1st week of September and from that date till today we have not got the new lid. When I raised this issue with them again in the month of October, I get a reply that I did not report the damage within the turnaround time and hence, standard chartered will not do anything more than what they have done so far and that is to provide the contact details. During this entire ordeal the only thing Standard Chartered is concerned is closing the complaint citing that they have already provided the contact details of the service centre. They take no ownership of the item listed as a reward on their website and care a damn for their customers. This cannot be called customer service, when all the calling and follow up with different parties has to be done by the customer alone. I recommend to never redeem points for any reward items from standard chartered website.

I purchased a TV on EMI in July this year. I paid the July EMI amount in August along with my credit card bill together and bank then transfer the EMI amount to the EMI account automatically. So, i did the same last month also but the EMI amount wasn't transfer which attracts financial charges on my EMI account. I launched a complaint against that also but they didn't reverse the charges. Kumar Gaurav [protected] [protected]@gmail.com

I have been levied interest for my purchases from from May 2014 which I have failed to notice. This is being done without assigning any reason. I may kindly be intimated why I am levied interest for the following statement. Statement dated 22MAY2014 = Rs. 196.28 Statement dated 22Jun2014 = Rs. 193.31 Statement dated 22JUL2014 = Rs. 578.19 Statement dated 22AUG2014 = Rs. 820.87 Statement dated 22MAY2014 = Rs. 742.15 So for I have paid Rs.2, 530.80 (Rupees Two thousand five hundred and thirty and paise eighty only). I have really failed to notice the interest levied to me. I may be clarified about the levy of interest and pending the reply from your end I will stop my purchases using the above credit card.

Dear Sir, I am attaching herewith copies of two statements of my credit card with Standard Chartered Bank (SCB). As can be seen, they have charged an annual fee of Rs. 1000/- in the month of May 2014. Then again after 4 months, they have charged an annual fee of Rs. 3000/- in the month of Sep 2014. After having registered the complaint with SCB, they have got back saying that Rs. 1000/- charged during the month of May 2014 will be reversed. This is unacceptable for me. Since they have charged Rs. 1000/- in the month of May 2014 as annual fee, the same should be valid for a period of one year. So the next annual fee should be due in May 2015. Hence the Annual fee charged in Sep 2014 should be reversed. But the are not agreeing to this. Through this mail, I strongly register my complain against this action taken by SCB and request help and advise in the matter. Thanking you Sitha

Greetings, I wish to take Standard Chartered to the Bank’s Ombudsman for imposing a penal charge for what it claims a Late Payment. I contest your claim that the payment on my Visa Credit Card No [protected] was late. It was made on time and I am not going to be bullied into paying the penalty. First you forcibly sent me a credit card and then you make unreasonable demands. Is this how you make profits in India? Please cancel this card immediately.