Standard Chartered Bank Complaints & Reviews

I am being sent unnecessary emails of payment statement for annual charges on a card that I have never used . I called the customer service and found that my card is already deactivated. Then why am I being asked for this unnecessary money ? The amount keeps increasing month on month. The customer service is very impatient and not ready to listen to any concern. Very harsh behaviour and irresponsible attitude from the customer service agents. I asked the customer service agent why I am not being contacted by the bank even for a reminder when I did not pay the first bill. They say that they don't have such a practice. My question is, "will the bank keep quiet and keep sending me payment statements to me even if I don't pay for the entire life ?" The answer to this by the customer service agent is, "after a while the bank's collection department will contact me". What is "after a while" ? Is it after the amount grows huge ? So that they can grab my money? I need an answer to this unethical practice.

My brother has transferred $403.88 (24000 INR) from Bank of America to my Standard chartered Bank Debit Card through ICICI 's money to India service.The amount has not yet been credited to my SCB account.Its been almost 3 months from the date the amount has been transferred.I have given all the proofs to SCB.But still they are asking for something or other and they say they are not able to to track the transfer. It would be great if someone from this forum could help on this.

I asked for Consolidated Credit Card Statement card ending with XXXX-XXXX-XXXX-5512 for last 2 years in excel format. They sent me 33 separate emails duplicate statement for each month. The issue was opening 33 pdf's and putting password and then you cannot copy the data. I thought i can open 33 files and try to consolidate but fun starts when i tried opening first and could copy the data because it is highly encrypted . I would like to tell them this is a financial data of mine and i have full rights to ask for consolidated .

Dear Sir / Madam, I am here to invite your kind attention that I (Rakesh Ilasariya) want to say that I have one credit card of your company and my cr. card no. is [protected]. This credit card was issued to me against older cr. card and the last four digits are 2139. All the amount used in this card was beared by me and I will pay the amount spend. But, I also want to say that there are another 3 cards issued in my name details are as under: Platinum Rewards - Primary [protected] 0.00 INR 561.80 DR View Platinum Rewards - Primary [protected] 54, 000.00 INR 3, 818.97 DR View SCB TITANIUM CARD - (P) [protected] 54, 000.00 INR 0.00 DR View Above mentioned all the 3 cards are not requested by me and I don't know regarding issuance of this cards. I have talk to your customer care executive 2 times, but there is no solution given to me regarding this matter. I, therefore, not paying a single penny for this figure spent on this 3 cards and also not bearing any chargers on this cards. I am requesting you to please cancel this 3 cards as soon as possible and waive off the charges. And I am also forward the copy of this mail to consumer forum. Please resolve my the matter as soon as possible and reply me on early basis. LOTS OF MAIL SEND THIS COMPNY BT NT ANY REVART ME, , AND COMPNY CALL ME FOR PAYMENT AND[protected],[protected] THIS MAN CALL ME AND NONSENS TAKING WITH ME

Respected Sir, This is to bring to your kind attention that I Vishal bhatnagar from jaipur, used to hold SCB Credit Card no: 5491.2456.0026.5900.issue date 2012 Yesterday, I received various calls from the Landline number by a men named anupam from SCB FRAUD & LEGAL Department office location Mumbai, on my company's Boardline no. The calls are regarding the collection of dues. The worst part of it is as mentioned:- using abusive language and threatening to harm me physically. harassing me and insulting me by calling everybody at my office as a result diturbing everybody in my office. calling my business clients abruptly, with whom I have only professional relation. threatening to go to any extend for recovery. calling at odd hours and continuously calling one after another with an abnormal interval of 2 minutes. As per the RBI guidelines all such actions are unlawful. I would like to ask is this a norm of calling for collecting dues, being a standard method and manner of such a big Bank like yours? I have been challenged by her and being told that I will be insulted in my office. He will continuously call my colleagues at my office and share all my credit information with them. I don’t understand how can she do this? How can she share my credit information with a third party? Why should they be held liable for my fault? This is height of making somebody annoyed. My inability to pay and my patience should not be taken for granted, it’s my appeal. It was totally immoral, unethical, and unprofessional and had no signs of a civilized person or any kind of etiquettes. Let me inform you that the turmoil after attending the call was so immense, that we decided not to take any call from any third person/ agent calling on behalf of SCB card division. I am very much available at [protected]. I am attending all my calls. If found someone from DSA or third party calling will be disconnected immediately. Rather I would like to speak to someone designated from your bank only. Sincerely Vishal bhatnagar

Hi I have paid the instalments in time for EMIs converted from a transaction. But bank people didnt credit my payments instead they created one more card which i un aware, started debiting late charges. I have all the proofs of payment in time and communication with bank people, but card people not at all considers y communication, instead they harrased me by calling and sending false statements, thanks kabeer

Dear sir, I would like to inform you regrding discrepancy happened in my credit card no :-[protected], standard chartered bank, name-santosh kumar singh. I got SMS in my mobile at Apr- 14, a payment done on through ur credit card of 6000/-, which is not occurred by me. I raised complaint also at very next day 17-apr-14 for this and get auto reply mail, had ref no:- 04/14/056764. After that called to customer complaint dept at standard chartered bank also . Till July had not get any intimation from bank but since august i getting frequent call from standard chartered bank representative for credit card payment . As this amount not used by me then why should i pay for, its mistake of standard chartered bank and their system. After complaint registration also not taking care by standard chartered. I am requesting to resolve this issue as soon possible . should you require any further information regarding this matter, plz let me know. Thanks & regards, santosh singh [protected]@yahoo.com [protected]

I strongly condemn the fraudulent practices of StanChart bank. I am also a victim of this bank and suffering bad CIBIL score. They make false promises and trap you into this fraud.In 2005 they offered me a credit card and promised it is free for one year and I don't need to pay annual fees. But, I had called customer care to close my card before one year and on their advice I have cut the card and thrown it.To my surprise in 2013 they called me and said I have a due of around 50 thousand rupees despite the fact that I have closed it in 2006 itself. Now, they are asking me the proof of closing the card which I don't have now.And today, 18-Aug-14 they called me and informed me of 70, 000 dues. But they are not ready to provide the transaction details also about my spending on this stupid card which is unethical.

Dear Sir/Madam, I had taken one standard chartered credit card in 2011 & used it till October 2012.I had credit card limit of 20, 000 rupees, in September 2012 I have overused the card that is beyond the limit & same was intimated by standard chartered ban to me in monthly statement & told to pay the total amount immediate. I had the paid more than due amount at that time & called customer care to close the credit card as they were not increasing my credit limit, standard charterd even confirmed me on phone that they have closed the card as i had paid the full amount. But in october 2012 they again issued the monthly statement with over limit card usage fees with intrest which i had refused to pay as my credit was already closed after making due payment, now from october 2012 till date they are issuing me statement to pay around 8000 ruppes but i have refused to pay them & told customer care many times that you have closed my credit card in october 2012 then why i will pay you this amount. No body from bank had contacted me from past 2 months . i need personal loan from home renovation urgently but whn i applied for it ever bank is saying that you have low CIBIL score due to credit card default case, i was totally surprised how a bank can damage CIBIL score for individual for theeir own interest. Now i am planning to take standard charted bank to court if they will not resolve this issue at earliest.

THIS IS NOT FIRST TIME: Dear Concern, I have totally fed up your manipulated interest charges. I request you to kindly again check at your end. Resolve this matter ASAP. I am looking forward to hear from with support. Statement PDF file herewith with highlighted, Kindly explain. Thanks & Regards, Bijaya Kumar Mohanty Mobile : +[protected], +[protected]

THIS IS NOT FIRST TIME: Dear Concern, I have totally fed up your manipulated interest charges. I request you to again check at your end and Revised immediate basis. I am looking forward to hear from with support. Thanks & Regards, Bijaya Kumar Mohanty Mobile : +[protected], +[protected]

Please Think before Creating an account in this bank, These Guys are too slow in Activating account also, I Submitted my documents 1 and half month back to create my salary account .. But account is not yet activated, if I call and ask regarding this, their only reply is "its in progress"...:P ha hha..:P "Standard" Chartered...: Ha hha..:P Total Dabba Bank..:P

Dear Sir / Madam

I am a credit card holder of your bank last four digits are 6474.Now since the market is slack down payments are been tough to be done but still i am trying to at least pay the minimum amount..Now since week i was busy in social ( My Uncles Death) so was not able to make the payments... Now your banks recovery person somebody calls as a name of Diwakar, he does not have manners to talk to ladies or old persons .. He is using such a abusive languages which a standard chartered employ will never use...I am using your card since 8 years.
I will be paying the amount ...but if this call continues coming to me and at my home that will force me to stop the payment.. its does not allow you bank employee to talk nonsense.so i request you to please update to your employees...We know the tricks and turns but i want to be loyal till the limit.. don't force us to take this matter to legal...all the calls from today will be recorded...

Once Again telling you The payment will be done by 20th of this month...stop the persons like diwaker or whatsoever his name is to dial a call at my home...

Hi Sir I would like to update that i have Standard charted credit card no [protected]. i had given the request to Customer care executive to return the financial charges as i had left the service from Gurgaon and i will pay my transaction amount. In spite of solution no body is responding and not even provide me reference no of request. I have all the related mail of the conversation with me. It is requested to your good self to help me to clear only my transition amount. It is totally harassment Regards Deepak Gupta [protected]

Hi, I have a credit card # [protected] for SC bank which i was using for almost all the transaction. I maintained a good credit history and spent more than 5 lacs in a calender year. But in March, 2014, SC imposed a late fee on my credit card without any reason. They have neither sent any bill (neither hard not soft copy) nor any sms for due amount. I have called their customer care to revert it but they did not respond back. I stopped paying the bills unless they revert back the late charges and they are imposing late payment now as well. Now they have entered defaulter entry in CIBIL as well. I am threaten by their recovery agents to pay the amount. I am shocked to see SC's unprofessionalism towards their loyal customers. I want to file a complaint against SC and need their assistence to close this matter asap.

Dear customer, I would like to suggest you to don't use the Credit Card of "Standard Chartered Bank". It's services is very bad for customer in comparison to other vendor like HDFC, ICICI. The bank Standard Chartered doesn't provide the weboff facilities for customer if you have late by mistake. They don't give the flexibility to the customer as comparison to other vendors. SC is not supportive. You may choose the another Credit Card provider. I have used the other card as well like HDFC. HDFC is very nice. Thanks Javed

Dear Sir, Today at 10.48AM I have received call from SCB authorised recovery agent for settlement of Rs. 2692.29 in Rs. 7000/- and with NOC in Rs. 15000/- and even I have told them to close with principal amount as per them although same has been paid by me which they have adjusted in renewal fee of card and card was not delivered to me. I need your intervention in this as they are charging again. I am ready to pay again if they will provide a renewal card. Regards, Sanjeev Kumar Singh

Even after on time payment, Bank has charged me late payment charges. I have written a mail to Customer care and they have replied saying Bank has arranged to reverse the late payment charge and it will reflect in next statement which never happen. Apart from that, I have made extra payment for same moth but again this is also not reflecting in next month's statement. When asked again about above 2 problems to customer care. I didn't get any reply from Customer care even after n no of follow-up. My Card no: [protected]

Dear sir, I unable to pay remaining balance amount of my Personal Loan because presently I am job less in Mumabi from last seven months, My money was totally exuasted I have up to May'2014. I am trying the Job in Mumabi, If get the job in Mumbai I will repay the all dues are I can do settlement up to Rs.1, 00, 000/-, If you accept this I will try arrange the amount before 10th Oct'14. Rgds Ramesh Raghupati

Standard Chartered Credit Card Department

Dear Sir,
This has reference to Standard Chartered Principal Nodal Officer, Mr Sourav Bhattacharyya providing false documents pertaining to the year 2005 for Standard Chartered Credit Card supposedly generated in 2012, to The Hon. Banking Ombudsman, RESERVE BANK of India against my COMPLAINTS.
Mr Sourav Bhattacharyya has not responded to my mails given below for your records.
Mr Sourav Bhattacharyya refuses to meet in person at his STANDARD CHARTERED BANK Office at 31 Chowringhee Road, Kolkata and you are also unable to get an appointment from him.
Mr Sourav Bhattacharyya, very smartly (cunningly) not sent me letter Ref: 01/14/094353/RB/RBI dated February 18, 2014 addressed to Hon Banking Ombudsman despite a copy marked to me.
M/s Standard CHARTERED BANK has not only mentally harassed me but its officials have humiliated me. I would request your good Offices to look into the matter and ensure that I get a just compensation for all the harassment & humiliation.
Thanking you,
Yours truly,
Bhupendra Singh Taragi

[protected] Forwarded message[protected]
From: Bhupendra Taragi <[protected]@gmail.com>
Date: Mon, Jun 16, 2014 at 5:38 PM
Subject: Fwd: DELIVERY STATUS NOTIFICATION (Failure)
To: "Bhattacharyya, Sourav" <Sourav.[protected]@sc.com>, Principal.[protected]@sc.com, Nodal.[protected]@sc.com, "head.service" <Head.[protected]@sc.com>, "customer.care" <customer.[protected]@sc.com>


Reminder No -2
Dear Sir,

This has reference to SMS received from DZ-FROMSC

" We are pleased to inform you that your concern via ref number [protected] has been resolved."

However in reality, Mr Sourav Bhattacharyya, Nodal Officer of Standard Chartered Bank has not responded to my mails dated Tuesday, June 03, 2014 12:04 PM ; Wed, Jun 4, 2014 at 3:40 PM & Wed, 11 Jun 2014 15:12:23 +0530 marked as Reminder No 1 .

Mr Sourav Bhattacharyya vide his mail dated Tue, Jun 3, 2014 at 12:16 PM stated -

" I acknowledge the receipt of your mail & noted your concern .We assure you that it is not our intention to cause you any inconvenience . We shall revert back to you shortly ."

Kindly note that revert back of Mr Sourav Bhattacharyya has not been received till date. Standard Chartered Bank's intention is to somehow get my case under the carpet by not replying to my mails and also making me undergo humiliation by their esteemed Standard Chartered Bank Customer Care personnel like Ms Nancy. The intentions of Mr Sourav Bhattacharyya also do not generate confidence as in his letter addressed to Hon, Banking Ombudsman on February 18, 2014, the contents are not true nor are the proofs provided. Moreover, your good offices ( Mr Sourav Bhattacharyya ) have not replied to all my queries as asked for in my mail dated Thursday, January 09, 2014 at 11:59 AM which was forwarded to you by Hon, Banking Ombudsman.

However kindly note that this is pertaining to wrongful deduction of Rs 842.70 without Receipt of the said Standard Chartered Credit Card which was not activated also. It pertains to the humiliation meted out by Ms Nancy of your Standard Chartered Credit Card Department .It pertains to your ( Mr Sourav Bhattacharyya's) Letter dated February 18, 2014 with Ref. : 01/14/094353/RB/RBI addressed to Hon, Banking Ombudsman wherein you have stated the following -

a) Under Non Receipt of Card ending 4291 you have mentioned receipt of the Card by me but not attached any proof of the same.You have also not answered how, when and by whom was the Card ending 4291 activated.

b) Under Non - receipt of Statement you have mentioned that Customer's Card Statements were generated on 7th of every month and were sent to mailing address of the Customer. Kindly provide me POD of Card Statements for the period August'12 to July'13 as you have stated that Credit Card was received by us on July 10, 2012. You have only provided proof of Credit Card Statement of Aug'13;Sep'13 & Oct'13 only. Also the page provided are of despatches pertainings to Card Statements for Aug'13; Sep'13;Oct'13; Nov'13 & Jan'14 period only.

c) Under Customer's earlier interaction with the Bank you have mentioned that "we have responded to the customer queries from time to time." Kindly provide me proof of response to my mails dated 09/08/13; 19/08/13;21/08/13; 22/08/13; 23/08/13;and 24/08/13 and by Online Standard Chartered Bank Portal on 23/08/13 regarding non - reciept of Credit Card by me, Credit Card not activated nor having received any Standard Chartered Credit Card Statements. Kindly provide me date of response to these mails and method of response.

d) As per attachment of Standard Chartered Bank mentioned as MOST IMPORTANT DOCUMENT wherein one has to read and sign acceptance, kindly note that it is ticked under Gold FREE FOR LIFE. The concerned document is signed by me on 25/10/2005.Kindly note that all documents attached in the letter dated February 18, 2014 with Ref. : 01/14/094353/RB/RBI addressed to Hon, Banking Ombudsman by Mr Sourav Bhattacharyya pertains to the year 2005 whereas the Card ending 4291 was received by us on July 10, 2012 . Kindly explain why ( Mr Sourav Bhattacharyya ) are you trying to mislead Hon, Banking Ombudsman by providing documents of 2005..

Mr Bhattacharyya you are requested to kindly answer to all my 7 points in details with necessary proofs attached as mentioned in my mail dated Tuesday, June 03, 2014 12:04 PM. Kindly note that it is a question of one's self respect and Standard Chartered Bank has no authority to humiliate anyone nor mislead people by just writing whatever they feel without providing substantial authentic proofs. You have provided proof of Card which is GOLD CARD which is free for life.

Yours truly,
Bhupendra Singh Taragi


Yours truly,
Bhupendra Singh Taragi


[protected] Forwarded message[protected]
From: Bhupendra Taragi <[protected]@gmail.com>
To: "Bhattacharyya, Sourav" <Sourav.[protected]@sc.com>, "mobile.[protected]@sc.com" <mobile.[protected]@sc.com>, "head.service" <Head.[protected]@sc.com>, Nodal.[protected]@sc.com, Principal.[protected]@sc.com, "customer.care" <customer.[protected]@sc.com>
Cc:
Date: Wed, 11 Jun 2014 15:12:23 +0530
Subject: Fwd: Reply dated May 23, 2014 of Mr Sourav Bhattacharya, Nodal Officer, Standard Chartered Bank against Complaint No:-[protected]
Reminder No 1

Dear Mr. Bhattacharyya,

This has reference to my mails dated Tuesday, June 03, 2014 12:04 PM & Wed, Jun 4, 2014 at 3:40 PM addressed to you to which you have not reverted back.

Kindly note that your failure to respond or maintain silence will force me to take up this issue with Consumer Court & ask for necessary compensation,

Yours truly,
Bhupendra Singh Taragi


[protected] Forwarded message[protected]
From: Bhupendra Taragi <[protected]@gmail.com>
Date: Wed, Jun 4, 2014 at 3:40 PM
Subject: Re: Reply dated May 23, 2014 of Mr Sourav Bhattacharya, Nodal Officer, Standard Chartered Bank against Complaint No:-[protected]
To: "Bhattacharyya, Sourav" <Sourav.[protected]@sc.com>


Dear Mr Bhattacharyya,

This has reference to your mail dated Tue, Jun 3, 2014 at 12:16 PM in response to my mail dated Tuesday, June 03, 2014 12:04 PM.

In your mail dated Tue, Jun 3, 2014 at 12:16 PM you have mentioned that
" I acknowledge the receipt of your mail & noted your concern .We assure you that it is not our intention to cause you any inconvenience . We shall revert back to you shortly."

Mr Bhattacharyya kindly note that it is Standard Chartered Bank's intention to somehow get my case under the carpet by not replying to my mails and also making me undergo humiliation by your esteemed Standard Chartered Bank Customer Care personnel . Your intentions also do not generate confidence as your letter addressed to Hon, Banking Ombudsman on February 18, 2014 are not true in its content nor in the proofs provided. Your good offices ( Mr Sourav Bhattacharyya ) have not replied to all my queries as asked for in mail dated Thursday, January 09, 2014 at 11:59 AM which was forwarded to you by Hon, Banking Ombudsman.

However kindly note that this is pertaining to wrongful deduction of Rs 842.70 without Receipt of the said Standard Chartered Credit Card which was not activated also. It pertains to the humiliation meted out by Ms Nancy of your Standard Chartered Credit Card Department .It pertains to your ( Mr Sourav Bhattacharyya's) Letter dated February 18, 2014 with Ref. : 01/14/094353/RB/RBI addressed to Hon, Banking Ombudsman wherein you have stated the following -

a) Under Non Receipt of Card ending 4291 you have mentioned receipt of the Card by me but not attached any proof of the same.You have also not answered how, when and by whom was the Card ending 4291 activated.

b) Under Non - receipt of Statement you have mentioned that Customer's Card Statements were generated on 7th of every month and were sent to mailing address of the Customer. Kindly provide me POD of Card Statements for the period August'12 to July'13 as you have stated that Credit Card was received by us on July 10, 2012. You have only provided proof of Credit Card Statement of Aug'13;Sep'13 & Oct'13 only. Also the page provided are of despatches pertainings to Card Statements for Aug'13; Sep'13;Oct'13; Nov'13 & Jan'14 period only.

c) Under Customer's earlier interaction with the Bank you have mentioned that "we have responded to the customer queries from time to time." Kindly provide me proof of response to my mails dated 09/08/13; 19/08/13;21/08/13; 22/08/13; 23/08/13;and 24/08/13 and by Online Standard Chartered Bank Portal on 23/08/13 regarding non - reciept of Credit Card by me, Credit Card not activated nor having received any Standard Chartered Credit Card Statements. Kindly provide me date of response to these mails and method of response.

d) As per attachment of Standard Chartered Bank mentioned as MOST IMPORTANT DOCUMENT wherein one has to read and sign acceptance, kindly note that it is ticked under Gold Free for life. The concerned document is signed by me on 25/10/2005.Kindly note that all documents attached in the letter dated February 18, 2014 with Ref. : 01/14/094353/RB/RBI addressed to Hon, Banking Ombudsman by Mr Sourav Bhattacharyya pertains to the year 2005 whereas the Card ending 4291 was received by us on July 10, 2012 . Kindly explain why ( Mr Sourav Bhattacharyya ) are you trying to mislead Hon, Banking Ombudsman by providing documents of 2005..

Mr Bhattacharyya you are requested to kindly answer to all my 7 points in details with necessary proofs attached as mentioned in my mail dated Tuesday, June 03, 2014 12:04 PM. Kindly note that it is a question of one's self respect and Standard Chartered Bank has no authority to humiliate anyone nor mislead people by just writing whatever they feel without providing substantial authentic proofs. You have provided proof of Card which is Gold Card free for life.

Yours truly,
Bhupendra Singh Taragi


On Tue, Jun 3, 2014 at 12:16 PM, Bhattacharyya, Sourav <Sourav.[protected]@sc.com> wrote:
Dear Mr Taragi,

I acknowledge the receipt of your mail & noted your concern .We assure you that it is not our intention to cause you any inconvenience . We shall revert back to you shortly .

Thanks & Regards

Sourav

Sourav Bhattacharyya
VN-23007

From: Bhupendra Taragi [mailto:[protected]@gmail.com]
Sent: Tuesday, June 03, 2014 12:04 PM
To: Bhattacharyya, Sourav
Subject: Reply dated May 23, 2014 of Mr Sourav Bhattacharya, Nodal Officer, Standard Chartered Bank against Complaint No:-[protected]

Dear Sir,

This has reference to Letter dated May 23, 2014 with Ref. : 05/14/025330/VN/ESC/RBI addressed to Hon, Banking Ombudsman, Office of the Banking Ombudsman, Reserve Bank of India Building, 3rd Floor, 15 Netaji Subhas Road, Kolkata - 700001 by Mr Sourav Bhattacharya, Nodal Officer, Standard Chartered Bank against Complaint No:-[protected] received by me on 26/05/14..

The above reply of Mr Sourav Bhattacharya is in response to mail forwarded by Ms M.S.Soy, General Manager, RBI, Bhubaneswar on Monday, January 13, 2014 at 5:35 PM to Kolkata Banking Ombudsman in response to my mail dated Thursday, January 09, 2014 at 11:59 AM addressed to all the receipients of this mail with special reference to Mr Arvind Kumar of Standard Chartered Bank.

Mr Sourav Bhattacharya however has not answered the following points as mentioned in my mail dated Thursday, January 09, 2014 at 11:59 AM nor has he provided the proofs.

(1) Why did Standard Chartered Bank not take any action or reply to my mails dated 09/08/13; 19/08/13;21/08/13; 22/08/13; 23/08/13;and 24/08/13 addressed to card.[protected]@sc.com; Head.[protected]@sc.com; customer.[protected]@services.com and by Online Standard Chartered Bank Portal on 23/08/13 regarding non - reciept of Credit Card by me, Credit Card not activated nor having received any Standard Chartered Credit Card Statements???

(2) No proof submitted of the said Standard Chartered Credit Card received by me or my family members as stated in letter dated February 18, 2014 of Mr Sourav Bhattacharya, Nodal Officer, Standard Chartered Bank till date despite having sent 27 or more mails in this context.

(3).No proof submitted of the said Standard Chartered Credit Card activated by whom; on what date was it activated and what was the method by which it was activated till date despite having sent 27 or more mails in this context. .

(4) No proof submitted of the said Standard Chartered Credit Card Statements for the period September 2012 to July 2013 or of mails sent in this context as per your letter dated February 18, 2014 addressed to Hon, Banking Ombudsman, Office of the Banking Ombudsman, Reserve Bank of India Building, 3rd Floor, 15 Netaji Subhas Road, Kolkata - 700001 by Mr Sourav Bhattacharya, Nodal Officer, Standard Chartered Bank.
In this letter Mr Sourav Bhattacharya mentions under the haeding " Non - receipt of Statement" that the Customer's Card Statements were generated on the 7th of every month but in Annexure 5 Mr Sourav Bhattacharya has attached copies of August'13; September'13 and October'13. What about the copies of Standard Chartered Credit Card Statements for the period September 2012 to July 2013????

(5) As per attachment of Standard Chartered Bank mentioned as MOST IMPORTANT DOCUMENT wherein one has to read and sign acceptance, kindly note that it is ticked under Gold Free for life. The concerned document is signed by me on 25/10/2005. Kindly explain?????

(6) Mr Sourav Bhattacharya also has not answered that why has it taken 27 mails and more till date without still not receiving any answers to my queries along with all proofs attached to my queies and not as per your likings.

(7) Mr Sourav Bhattacharya is also silent on the point of humilation meted out by Standard Chartered Bank Customer Care Representatives as mentioned in my mail dated Thursday, January 09, 2014 at 11:59 AM. Why the silence on this point????

Mr Sourav Bhattacharya has vide his letter dated February 18, 2014 cotradicted some of the replies received to my queries by Standard Chartered Credit Card Customer Care personal which you can go through and confirm from your Portal.

Respected Principal Nodal Officer and Kolkata Banking Ombudsman, my humble request to your good Offices is to provide me legitimate, correct, to the point answers along with necessary proofs to my queries as mentioned above and also in my mail dated Thursday, January 09, 2014 at 11:59 AM.

I would also request your good offices to make a hefty fine on Standard Chartered Credit Card department for the harassment and humiliation meted out by their Representatives.

Yours truly,
Bhupendra Singh Taragi

On Sat, Jan 4, 2014 at 7:25 PM, Bhupendra Taragi <[protected]@gmail.com> wrote:
Dear Ms Lakshmi L,


This is with reference to mail dated Fri, Jan 3, 2014 at 1:45 PM, with Ref : 01/14/010244/SP/CRD of Ms Lakshmi L, Officer, Customer Care, Standard Chartered Bank Credit Card which is given below. As regards to Madam's reply, I would like to state the following -

(1) I did not receive any Standard Chartered Credit Card as mentioned in my 28 mails from 09/08/2013 till date. Your answer below is something not in line with my question. Secondly Ms Lakshmi L states that - " We understand that the credit card dispatch was not intimated by you in the year 2013". Kindly note that the said Card was supposed to have been received by October 2012 as you have deducted Rs 842/70 from my Standard Chartered S.B.A/c on 26/10/12 . The above clearly proves that Standard Chartered Credit Card was not dispatched to me and you have wrongly deducted from my S.B.A/c without my consent and then branded a liar by Ms Nancy of Customer Care, Standard Chartered Credit Card dept from Bangalore.

(2) The question of receiving SMS does not arise as I had not received Standard Chartered Credit Card.

(3) The response was extremely late as my first mail was sent to you on 09/08/13 and after that I have send 27 mails. Also mails were sent through Internet Banking also.

(4) You were forced to reverse the charges debited in the Card as I have received no Standard Chartered Credit Card and you had wrongfully deducted from my S.B.A/c without my consent also.

Kindly note that I will take this issue to its logical end for necessary compensation as Standard Chartered Credit Card fraudulently deducted Rs 842.70 from my Standard Chartered Savings Bank without my having received the said Standard Chartered Credit Card and also deduction was made without my consent despite my having send several mails from 09/08/13.

Yours truly,
Bhupendra Singh Taragi


On Fri, Jan 3, 2014 at 1:45 PM, customer.care <Customer.[protected]@sc.com> wrote:

Ref : 01/14/010244/SP/CRD

Dear Mr. Taragi,

This is with reference to your e-mail dated January 03, 2014 .

Please permit us to clarify the issues raised by you.

1. We understand that the credit card dispatch was not intimated by you in the year 2013.In case if you wish to avail the replacement card, We request you to revert through the same channel for us to do the needful.

2.We understand that you had not received the SMS regarding the card set up. We regret fort the inconvenience caused to you in this regard.

3.At the outset, we regret the delay in our response. We thank you for the cooperation and patience extended in the interim.

4.Based on this we had arranged to reverse the charges debited in the card and arranged for the credit balance refund.
The credit balance refund draft was send to your mailing address in the month do September 2013.

We are concerned to note that we have given you a cause to complain on our services. We regret any inconvenience caused to you in this regard.

Assuring you of our best services always,

Yours sincerely,

On behalf of Standard Chartered Bank

Lakshmi L
Officer - Customer Care

Bhupendra Taragi <[protected]@gmail.com>
Jan 4

to Card, head.service, Principal.Noda., Nodal.Officer, customer.care
Dear Ms Lakshmi L,


This is with reference to mail dated Fri, Jan 3, 2014 at 1:45 PM, with Ref : 01/14/010244/SP/CRD of Ms Lakshmi L, Officer, Customer Care, Standard Chartered Bank Credit Card which is given below. As regards to Madam's reply, I would like to state the following -

(1) I did not receive any Standard Chartered Credit Card as mentioned in my 28 mails from 09/08/2013 till date. Your answer below is something not in line with my question. Secondly Ms Lakshmi L states that - " We understand that the credit card dispatch was not intimated by you in the year 2013". Kindly note that the said Card was supposed to have been received by October 2012 as you have deducted Rs 842/70 from my Standard Chartered S.B.A/c on 26/10/12 . The above clearly proves that Standard Chartered Credit Card was not dispatched to me and you have wrongly deducted from my S.B.A/c without my consent and then branded a liar by Ms Nancy of Customer Care, Standard Chartered Credit Card dept from Bangalore.

(2) The question of receiving SMS does not arise as I had not received Standard Chartered Credit Card.

(3) The response was extremely late as my first mail was sent to you on 09/08/13 and after that I have send 27 mails. Also mails were sent through Internet Banking also.

(4) You were forced to reverse the charges debited in the Card as I have received no Standard Chartered Credit Card and you had wrongfully deducted from my S.B.A/c without my consent also.

Kindly note that I will take this issue to its logical end for necessary compensation as Standard Chartered Credit Card fraudulently deducted Rs 842.70 from my Standard Chartered Savings Bank without my having received the said Standard Chartered Credit Card and also deduction was made without my consent despite my having send several mails from 09/08/13.

Yours truly,
Bhupendra Singh Taragi


On Mon, Dec 23, 2013 at 12:16 PM, Bhupendra Taragi <[protected]@gmail.com> wrote:

Dear Madam,


This has reference to mail dated Mon, Dec 16, 2013 at 3:17 PM, head.service <head.[protected]@sc.com> of Ms Padmavathy Bai, From the Office of Head, Customer Service On behalf of Standard Chartered Bank with Ref : 12/13/071591/SP/CRD wherein she has provided me once more a new reference number [protected].

Kindly note that a similar mail has been sent dated Fri, Dec 13, 2013 at 3:52 PM, head.service <head.[protected]@sc.com> from same Ms Padmavathy Bai, From the Office of Head, Customer Service On behalf of Standard Chartered Bank with Ref 12/13/052938/SP/CRD wherein the contents of both mails are same in all respects.


Kindly find below 25 Reference Nos & Communication Nos along with 3 Complaint Ref Nos provided by Office of Head, Customer Service on behalf of Standard Chartered Bank without resolution of my queries till date against my 27 mails from 09/08/13 in this context.


S.No. Reference No. Communication No Complaint Ref No Dated Mail sent by

1 08/13/094520 KMM14989659V94884LOKM 21/08/2013
2 08/13/101207 KMM15004601V95773L0KM 22/08/2013

3 08/13/082584/SP/CRD KMM14966282V74808L0KM 24/08/2013 Ms Tamilarasi
4 08/13/101207/SP/LIB KMM15012506V52959L0KM 26/08/2013 Ms Sharmila A
5 08/13/128455/SP/CRD KMM15074460V40847L0KM [protected] 29/08/2013 Ms Prithi Shalini
6 09/13/042293 KMM15203935V44250L0KM 09/09/2013
7 09/13/064068/SP/CRD KMM15261573V54940L0KM [protected] 16/09/2013 Ms Tamilarasi
8 09/13/086408 KMM15305773V11316L0KM 18/09/2013
9 09/13/042293/SP/CRD KMM15318779V96765L0KM 20/09/2013 Ms Bhagyashree
10 09/13/093510/SP/CRD KMM15331895V82618L0KM 21/09/2013 Ms Manjula N
11 09/13/013185 KMM15364052V97425L0KM 24/09/2013 Ms Naznee Syed
12 09/13/013185 KMM15395002V70442L0KM 26/09/2013 Ms Naznee Syed
13 09/13/112925/SP/CRD KMM15374711V24210L0KM 01//10/2013 Ms Manjula N
14 10/13/069478/SP/CRD KMM15612544V42294L0KM 18/10/2013 Ms Lakshmi L
15 10/13/084103/SP/CRD KMM15647617V48743L0KM 22/10/2013 Ms Tamilarasi
16 10/13/121829 KMM15730743V40667LOKM 28/10/2013
17 10/13/096948/SP/CRD KMM15675783V27279LOKM 04/11/2013 Ms Suganya S
18 11/13/026261 KMM15834369V12495LOKM 07/11/2013
19 11/13/026261/SP/CRD KMM15838701V23463LOKM 11/11/2013 Ms Vishnu Priya
20 11/13/043643/SP/CRD KMM15880460V66984LOKM 14/11/2013 Ms Prithi Shalini
21 11/13/062822/SP/CRD KMM15919546V14202LOKM [protected] 15/11/2013 Ms Manjula N
22 11/13/026261/CRD KMM16172614V27034LOKM 06/12/2013 Ms Kavitha
23 12/13/034294/SP/CRD KMM16184595V25809LOKM 11/12/2013 Ms Prithi Shalini
24 12/13/052938/SP/CRD KMM16228628V19414LOKM 16/12/2013 Ms Padmavathy Bai 25 12/13/071591/SP/CRD KMM16271065V80931LOKM [protected] 16/12/2013 Ms Padmavathy Bai


I have been receiving stereotyped replies of the following type as given below [(a) to (g)] despite Ms Tamilarasi; Ms Prithi Shalini; Ms Manjula N; Ms Naznee Syed & Ms Padmavathy Bai sending at least 2 mails or more without resolution of my 6 queries as mentioned below {Nos (1) to (6)}.

(a) We are concerned to note that we have given you a cause to complain on our services. We regret any inconvenience caused to you in this regard.

(b) We have noted the contents of your mail. We wish to inform you that your complaint has already been registered via reference number[protected]- and we are in the verge of processing your request. We will revert to you on completion of the same. We request you to bear with us in the interim and thank you for your patience.


(c) We wish to inform you that considering the nature your request are taking little extra time. We assure you that we have assigned a dedicated resource to complete the request and also assure you that the complaint is being given the due attention it deserves. Our officer shall get in touch with you shortly and request you to bear with us till then.


(d) We observe from our records that your card ending 4291 has been cancelled with effect from September 27, 2013. On date there is nil balance in your card ending 4291.

(e) We would like to inform you that the annual fee debited to your card account is a basic product price. The same is debited to your card account for the various facilities extended on your card account. It is as per the TERMS and conditions and schedule of service charges applicable for your card facility.

(f) As a service gesture we have already reversed the annual fee of Rs.750.00 along with the service tax debited to your card account. This credit reflects in your October 2013 statement.

(g) We note from our records that the credit balance availed in your card account has been refund to you.


It is clear from above stereotype answers and references that you are buying time only and are in no mood of accepting your mistake on deduction of Rs 842/70 from my S.B.A/c in Standard Chartered Bank without my having received the said Standard Chartered Credit Card nor any information about the same vide SMS/Mail/Credit Card Statement or any proof of receipt and activation of said Standard Chartered Credit Card. Moreover your personnel had the audacity of branding me a liar ( Ms Nancy & another Customer Care Representative) and saying that they have proof of receipt of said Credit Card. Kindly explain as to why you reimbursed my Rs 842/70 if you had proof of receipt of said Credit Card.


However my queries, as mentioned below, have not been answered even after sending 28 mails from 09/08/13 till date -

(1) Why did Standard Chartered Credit Card not intimate me about a Credit Card been dispatched to me vide mail/SMS/Letter in the year 2012 and 2013. ????


(2) Why were there no phone calls/SMS/ Credit Card Statement made/sent in the year 2012 & 2013 regarding the Standard Chartered Credit Card ????


(3) Why was no action taken to my mails dated 09/08/13; 19/08/13; 21/08/13; 24/08/13; 28/08/13 and also to mails sent by Internet Banking.?????


(4) Why was Rs 842/70 deducted from my S.B.A/c without my consent despite my having send mails dated 09/08/13; 19/08/13; 21/08/13; 24/08/13; 28/08/13 and to Internet Banking intimating about non - receipt of the Standard Chartered Credit Card and enquiring as to who has activated the said Credit Card???? Also no suitable reply has been received from your end as to why no SMS/Credit Card Statement was sent prior to August'13 and then why was it sent in August'13 when there was no transactions (as per your reply vide mail) ????


(5) Why have you reversed Rs 842.70 when Ms Nancy and some other Customer Care representative have clearly stated that I was a liar as I have received Standard Chartered Credit Card as per Standard Chartered Credit Card records???? Why the sudden change of heart and mind.????


(6) Who is responsible for the mental trauma that I had to undergo for deduction of amount from my S.B.A/c without my consent and also to be branded a liar by Ms Nancy and your Customer Care representative???? What about the time and efforts made by me to send mails to you all to which no action was taken?????


Kindly note that I will pursue this case to its logical end and will leave no stone unturned to get natural justice from Standard Chartered Credit Card Department.


Yours truly,
Bhupendra Singh Taragi