Standard Chartered Bank Complaints & Reviews

Dear Sir/ Madam, Today I received my Credit Card No. [protected] Statement in which interest rate charged by Standard Chartered is very high. Breif summary about statement:- Previous Clousing Balance :- 41, 539.40 Payment/ Credit Given :- 7, 242.00 Purchase :- 0 Balance :- 34, 285.40 3.11 % Interest :- 1066.27 Interest charged by SCB :- 2075.00 (6.05% on 34, 285.40) Requesting you to revised you bill & provide the same. Elsewise please share the calculation of changing high interest. Awaiting for your prompt & corrective action towards my complaint. Regards Vikram Singh Jamnal Credit Card No. [protected] Ph No. [protected] E-Mail ID :- [protected]@rediffmail.com

I have applied for the loan transfer from Standard Chartered bank to Axis Bank. The Sphatica enterprises approached me for providing the services for Loan Tranfer. I have asked Correction on List of Document from bank. Written atleast more than 20 e-mails, Contacted Customer Helpdesk, Service Manager, Given Complanits and visited the Service Branch but these is no response from the bank. I am following up with the bank since last 3 month but there is no response. Can you help me on this.

I bought one Samsung galaxy phone from Flipkart.com in June 2013. After that I need to fly to UK. So, in advance, I have paid 10, 000 rs to my credit card for the EMI purposes. and transferred another 10000 rs in Nov to ensure my pending EMI's are not getting impacted.

But the bank story is completely different in this case. they have opened a dummy insta-buy account. On their wish they have taking amounts from main accounts after adding late charges/payments.

Now, Even after paying 20000 rs in advance (which is equaling to my purchase amount) still I need to pay another 4 months EMIS, as this money has been taken for interest/charges.

My Issues here are :

1. There is no communication that there is a dummy account being created and payments need to happen to that account only

2. If this is the case, how you can transfer the main card funds to dummy account at your wish and will

3. Not received few months bills

4. in the monthly statements there is no account no or full card no . In my case I dont have the card with me and my net password is locked out

5. I cannot change my mobile no even after confirming the required details on mobile phone


Can I request you to look into this.

My card ends with 5631
My mobile [protected] (as per bank records - [protected])






There was no earlier communication and strangely, they have credit the amounts from main account to this dummy account at their wish. they have added

Mail sent to the bank but no reply. Anthony Dmello <dmello.[protected]@gmail.com> Jan 2 (8 days ago) to governor, complaint.info, Sunil.Kaushal, director, complaint, pehredar, pehredar, peter.sands, John.Peace, Julio.Rojas, Donna.Daniels, Jeremy.Bolling., Richard.Meddin., Steve.Bertamini, Jaspal.Bindra, Tracy.Clarke, Richard.Gouldi., John.Carter, Luke.Farber, Ivonka.Tangher., marc.filion, tracey.weir Dear RBI, Requesting your Intervention as there is no reply from the Standard Chartered Bank. Being a foreign bank its taking customers for granted in spite sending them reminder mail. As per the RBI Norms Standard Chartered Bank is not providing full details of the customers. in spite telling them they are not fixing the problem. As per the Banks process every banks need to send the available limit of the customers how much he has used and also on net banking the same needs to be provided. I have 4 Credit Cards and whenever I make any transactions I get SMS how much I have used and how much is the available limit . But Standard Chartered Bank they don't provide these facility ... how will the customer will get to know how much he has used???????????? also on the Net Banking Available Limit is not available . How can RBI approve these banks if they don't provide full services. These banks just try to cheat people. I have highlighted this issue to the bank six months in fact that time they have reversed the charges when my credit limit was over drawn now again these type of problem is affecting my credit impact . I said the bank either Increase the credit limit or else send me sms how much is the available limit when I swipe the card. But the bank is not trying to listen and they are charging me with the over drawn charges. Top of this Bank people are replying they know that they guilty and avoiding my reply. Dear Media, Kindly highlight these issue as Foreign Banks are bulling customers. Regards

I have received hundreds of phone call over my mobile no. [protected] from 08.01.2014 from some Pankaj Parmer (as told) from a phone No.[protected] routed through a kolkata ph no. [protected] with a claim of Rs.855675 against a credit card of Standard Chartered Bank. Sri Parmar is claiming that he is a Supervisor of SHAHA FINLEASE. hIS MOBILE NO IS [protected]. He is claiming that I took money from money from Standard chartered bank in 2005.

It is fact that i had a credit card of Standard Chartered Bank in[protected]. I never took any money from the bank and i have never renewed the card and the said card is not in my possession since last 9 years. I have never taken any money against any card. No communication during last 9 years for this claim.
He is using filthy language. He is making continuous call with life threat and asking me to come to Standard Chartered Bank. I have asked him to send me the proof against the claim, but he is not giving any details. He is distributing me continuously. He is also threatening me to various ways.
I appeal before you to take appropriate action and rescue me from this type of harassment.I am very much disturbed mentally and it is also hampering in discharging my working schedule in my office. Please take necessary action.

Fake opening of new account without my consultation. And charging late payment charges due to late payment of Flipcart.
I am using standard charted card. I had bought a mobile on emi on Apri 2013. I had been paying regularly to standard chartded. All the payments done were through cash. I am having payslip of every payment. I had made all the payments by August. But Still i received the bill. When i called to customer care the told me that i had not made payment of emi. I advocated to them i also sent scan copy of payslip. But standard Charted didnot took action agaist it, Nex month the also give the bill with late payment charges and intrest levid on it. Second time i Also called and it took 15mints again to mke him understand regarding my issue. They talked very rude and with no interest in helping me. finally he understood and promised al call pack from the company after looking into the issue. It took 15 days but i didnot got any call. Again I call to customer care (i had no other option) It again took 15min to make her understand again he was not listening and was not trying to help me.
I had bought a another mobile in november from flipcart, there was a discount of Rs 10% cash back on standard charted bank. I made more the the amount i had to paid. The cash back amount was to be paid by flipcark (i dont know what type of agreement is there in flipcart and Standard Charted) After on month I again got a bill with additional charges + i didnot got 10% cash back and standard charted had mad bill to the additional 10% cash back too. I called to Flip cart after my call the only paid 2009 rupees the late payment charges had not been paid by flipcark and standard chartted is asking me to pay.
my card ends with 3787.
My mob no [protected]
Regards,
Anees ul Azam

RESPECTED SIR,

I am having credit card of your bank MasterCard :[protected]. I request to cancel my credit card.

Please send me a reply mail regarding cancellation of credit card to my mail id (brajesh.[protected]@gmail.com).

Thank you,
Rajesh

I AM HAVING CREDIT CARD No.[protected] EXPIRING ON 10/2015. IN THE ABOVE ACCOUNT I AM HAVING A NET BANKING FACILITY FROM 2011 ONWARDS. THE ABOVE NET FACILITY WAS LOCKED IN JULY 2013 DUE TO THE PASSWORD WRONGLY FED FOR 3 TIMES. WHEN I CONTACTED THE CUSTOMER SERVICE DEPARTMENT THEY GAVE ME A TEMPORARY PASSWORD THRO' WHICH I COULD NOT LOGIN. WHEN CONTACTED THRO' E MAIL YOU HAVE REQUESTED THE SCREEN SHOTS AND IT WAS ALSO SENT. SO FAR THE FACILITY IS NOT ACTIVATED. I REQUEST YOU TO KINDLY VERIFY AND SENT ME HOW TO LOGIN AND CONTINUE THE NET BANKING FACILITY.

V GOPALAN

Hi, I was Standard Chartered customer, and at the time of selling their credit card, the agent falsely represented that the card is life time free card. After membership charges were deducted after first year of card, I discontinued the card during second year renewal. At the time there was 530 Rs credit balance on the card, that was supposed to be refunded back to me. But one year has passed and the same has not been refunded to me. Further to that the company has refused to honour 11000 points balance on the card as well and that too when I am getting monthly statements stating that I have 530.45 Rupess of credit balance and 11, 781 redeemable points on the card. Now the customer care has stopped responding to my emails after making me chase them for a year and have even stated on phone call that they can't commit by when resolution will happen. My registed email ID with standard chartered is "paul.[protected]@gmail.com". My mobile number is : [protected] I am surprised that if they treat customers with so much annual transaction (like me) in this way, how badly they will be treating small customers. Regards, Sachin Paul

Dear customer compliant team, I am really disappointed about credit card charges and need your help to resolve. Please go through full history. Best Regards, Chandran Shanmugam (CS) T: +[protected] | VOIP: 36244 | M: +[protected] -----Original Message----- From: Shanmugam, Chandran Sent: Tuesday, December 24, 2013 10:14 PM To: 'head.service'; 'card.[protected]@sc.com'; 'customer.[protected]@sc.com' Cc: 'Chandran Shanmugam' Subject: RE: Your recent communication with us (KMM16129275V57215L0KM) Dear Service Team, Thanks for your response after several follow-up. It's really sad that customer has to keep record of bill details and interest and explain back to BANK. I want clear discussion since service team is not clear enough to understand the customer issue. I had two questions 1) Interest Calculation for Oct 2013. 2) Why there is delay in credit the amount in 4 days time. This is unusual when compare to my experience with bank for more than 2 year time. Did you find out the delay in bank side. When come to Interest Calculation, as per interest rule given below ? A partial payment is made ? No payment is made ? Cash is withdrawn ? Partial payment/ no payment made against the previous statement though full payment made in the current statement When you check the stmt my payment dates all within payment due date, and as per customer stmt there is no evidence of payment delay. Also as per your calculation you have calculated the interest amount on Nov 2013 month which is totally wrong since I have paid the amount of Nov 2013 on time and got promise that interest will be hold and only maintained for Oct 2013 only. Also as per your calculation logic, how come 2777.14 is calculated and showed in the Nov 2013 stmt for 9820.32 which was the total amount during Oct 2013. I have attached my credit card stmt details and with due date. This month again I am going to make the payment today as per below. Total amount bill amount is 9740.83 Interest amount carried from Nov 2013 (Interest + service tax after all deduction) -> 2334.28 (93502.07-91167.79) Interest charged on Dec 2013 -> 2734.14 (charges) Balance amount I suppose to pay for Dec 2013 is => (9740.83 - (2334.28 + 2734.14)) => 4672.41 Rs only. Please take decision on this before next stmt generation rather than charging customer like mad even customer paid the amount on time. If there is no solution on this please advise how to contact the credit card cell to get justice on this and planning to not use the card till find out the solution on this. This is really not good to handle the customer when customer paying the amount on time. Best Regards, Chandran Shanmugam (CS) T: +[protected] | VOIP: 36244 | M: +[protected] -----Original Message----- From: head.service [mailto:head.[protected]@sc.com] Sent: Thursday, December 12, 2013 10:53 AM To: Shanmugam, Chandran Subject: Your recent communication with us (KMM16129275V57215L0KM) Ref : 12/13/001472/SP/CRD Dear Mr. Chandran, This is with reference to your e-mail dated December 01, 2013 As requested, we have attached the interest calculation for your kind reference. Assuring you of our best services always, Yours sincerely, On behalf of Standard Chartered Bank Vinoth Kumar Officer - Customer Care We would like to know whether you are satisfied with this e-mail interaction. Please click on the following link to provide your feedback. https://forms.online.standardchartered.com/public_website/india/e-survey/ Please do not disclose your PIN/One Time Password (OTP) to anyone. Standard Chartered Bank will never call or send SMS/emails asking for such details. If you receive an OTP without request, please intimate the bank immediately. Login to Online Banking through our secured website For more details on our complaint management policy and Banking Ombudsman Scheme, 2006, please visit to http://www.standardchartered.co.in/personal/tools-utilities/en/complaints.html Standard Chartered Bank is committed to making your banking with us a pleasant experience and values your feedback: Visit Us : www.standardchartered.co.in Write to Us : customer.[protected]@sc.com You can write to us at Standard Chartered Bank, Customer Care Unit, 19, Rajaji Salai, Chennai ? 600 001 or reach our Phone Banking executives at http://www.standardchartered.co.in/personal/ways-to-bank/en/phone-banking12.html Original Message Follows: [protected]---- Dear Service team, Could you please put the calculation affront end for this calculation to know better. Sometimes customer may not able to interpret bank theories and it always better to understand the live example to create awareness. Also I would like to why there is delay in bank transfer that took 4 days when compare previous month realization factors. Hope my queries are clear to answer better rather again sending the common text for creating another confusion. Again please consider the situation and provide your best possible solution rather than penalize the customer after I paid the amount on time as per due date that is one day before. Best Regards, Chandran Shanmugam (CS) T: +[protected] | VOIP: 36244 | M: +[protected] -----Original Message----- From: head.service [mailto:head.[protected]@sc.com] Sent: Saturday, November 30, 2013 2:35 PM To: Shanmugam, Chandran Subject: Your recent communication with us (KMM16062911V38031L0KM) Ref : 11/13/125317/SP/CRD Dear Mr. Chandran, This is with reference to your e-mail dated November 27, 2013 . We understand your query with regard to interest calculation methodology and the interest billed to your card account ending 5276 held with us. In this regard, we wish to share the following; Interest is charged to the card account when: ? A partial payment is made ? No payment is made ? Cash is withdrawn ? Partial payment/ no payment made against the previous statement though full payment made in the current statement. We also wish to apprise you that the vital details with regard to the charges applicable on the card and the interest calculation methodology are being communicated in the Important Information Document shared along with your card statements on a monthly basis. Nevertheless, we share the Interest Calculation Method for your ready reference and understanding; A ssuring you of our best services always, Yours sincerely, On behalf of Standard Chartered Bank Venugopal D From the Office of Head, Customer Service We would like to know whether you are satisfied with this e-mail interaction. Please click on the following link to provide your feedback. https://forms.online.standardchartered.com/public_website/india/e-survey/ Please do not disclose your PIN/One Time Password (OTP) to anyone. Standard Chartered Bank will never call or send SMS/emails asking for such details. If you receive an OTP without request, please intimate the bank immediately. Login to Online Banking through our secured website For more details on our complaint management policy and Banking Ombudsman Scheme, 2006, please visit to http://www.standardchartered.co.in/personal/tools-utilities/en/complaints.html Standard Chartered Bank is committed to making your banking with us a pleasant experience and values your feedback: Visit Us : www.standardchartered.co.in Write to Us : customer.[protected]@sc.com You can write to us at Standard Chartered Bank, Customer Care Unit, 19, Rajaji Salai, Chennai ? 600 001 or reach our Phone Banking executives at http://www.standardchartered.co.in/personal/ways-to-bank/en/phone-banking12.html Original Message Follows: [protected]---- Dear Service Team, Thanks for showing interest to serve the customer. It would be great to know the how the interest amount has been calculated to know where went wrong and also why there is huge delay between bank transfer on Oct 2013. Again I am repeating that previous months transaction was realized within a day time. Also I am happy to pay interest if I paid after the due date as per my bank statement. It really making me NOT comfortable to pay interest when my amount was realized from my bank on Oct 25 2013 itself. Please help me on this. Best Regards, Chandran Shanmugam (CS) T: +[protected] | VOIP: 36244 | M: +[protected] -----Original Message----- From: head.service [mailto:head.[protected]@sc.com] Sent: Wednesday, November 27, 2013 9:44 AM To: Shanmugam, Chandran Subject: Your recent communication with us (KMM16058290V23330L0KM) Ref : 11/13/121879/SP/CRD Dear Mr. Chandran, This is with reference to your e-mail dated November 26, 2013 As a service gesture, we had reversed the Late Payment Charge of Rs.600.00 debited to your card ending 5276 along with the corresponding service tax . This credit reflects in your next statement. As a service gesture, we have arranged to reverse the Interest Charge of Rs.694.25 along with the corresponding service tax debited to your card account 5276. This credit will reflect in your next statement. Assuring you of our best services always, Yours sincerely, On behalf of Standard Chartered Bank Saraswathi N Officer - Customer Care We would like to know whether you are satisfied with this e-mail interaction. Please click on the following link to provide your feedback. https://forms.online.standardchartered.com/public_website/india/e-survey/ Please do not disclose your PIN/One Time Password (OTP) to anyone. Standard Chartered Bank will never call or send SMS/emails asking for such details. If you receive an OTP without request, please intimate the bank immediately. Login to Online Banking through our secured website For more details on our complaint management policy and Banking Ombudsman Scheme, 2006, please visit to http://www.standardchartered.co.in/personal/tools-utilities/en/complaints.html Standard Chartered Bank is committed to making your banking with us a pleasant experience and values your feedback: Visit Us : www.standardchartered.co.in Write to Us : customer.[protected]@sc.com You can write to us at Standard Chartered Bank, Customer Care Unit, 19, Rajaji Salai, Chennai ? 600 001 or reach our Phone Banking executives at http://www.standardchartered.co.in/personal/ways-to-bank/en/phone-banking12.html Original Message Follows: [protected]---- Hi, Thanks for the clarification and it is really unrealistic to believe the below statement when compare to the previous months payment realization factors. Please do consider and explore what went wrong to credit the amount on 29 Oct 2013 (Tuesday) and reason for delay during that period. When going by below example, for 50, 000 rs you are arriving only 1770.00 but for my total transaction amount for that stmt is itself 9, 820.32 only. Please explain how you are arriving the interest amount of (2777.14 + 417.41) => 3794.5 Rs. As customer, more than 6 month transactions are accepted within a day time but for Oct 2013 transaction took 4 days to realize is not understandable / acceptable. Please consider all these situation and provide the optimal solution. Best Regards, Chandran Shanmugam (CS) T: +[protected] | VOIP: 36244 | M: +[protected] -----Original Message----- From: head.service [mailto:head.[protected]@sc.com] Sent: Tuesday, November 26, 2013 4:58 PM To: Shanmugam, Chandran Subject: your recent communication with us (KMM16053034V63136L0KM) Ref : 11/13/119827/SP/CRD Dear Mr. Chandran, This is with reference to your e-mail dated November 26, 2013 Please note that the online payments initiated vide non standard chartered bank accounts through channels like bill desk, visa money transfer or NEFT are subjected to clearance. Accordingly the same will consume clearance time depending upon the pending queue of request and the same is not owing to system constraint at our end. Hence, we request you to effect payment minimum 4 business days prior to the due date to avoid levy of charges. We understand your query with regard to interest calculation methodology and the interest billed to your card account ending 5276 held with us. In this regard, we wish to share the following; Interest is charged to the card account when: ? A partial payment is made ? No payment is made ? Cash is withdrawn ? Partial payment/ no payment made against the previous statement though full payment made in the current statement. We also wish to apprise you that the vital details with regard to the charges applicable on the card and the interest calculation methodology are being communicated in the Important Information Document shared along with your card statements on a monthly basis. Nevertheless, we share the Interest Calculation Method for your ready reference and understanding; Retails Transactions: ? All retail transactions in the previous statement from the date of purchase to the previous statement date ? Closing balance of the last statement from the day after the statement date to the day prior to payment in the current statement ? Unpaid balance from payment date to the current statement date ? All retails transactions in the current statement from the date of purchase to the current statement date. Cash Transactions: ? Interest for all Cash Transactions will be calculated from the date of transaction on a daily basis inclusive of cash advance fee. Formula for Interest Calculation: (Transaction amount * number of days * rate of interest [%]) / 30 Example: Total Purchases: Rs.50000.00 No.of days: 30 Rate of interest : 3.54% = 50000*30*3.54%/30= Rs.1770.00 We trust the above clarifies the matter. Kindly let us know should you require any further assistance or clarification on the above. Assuring you of our best services always, Yours sincerely, On behalf of Standard Chartered Bank Sasibala K From the Office of Head, Customer Service We would like to know whether you are satisfied with this e-mail interaction. Please click on the following link to provide your feedback. https://forms.online.standardchartered.com/public_website/india/e-survey/ Please do not disclose your PIN/One Time Password (OTP ) to anyone. Standard Chartered Bank will never call or send SMS/emails asking for such details. If you receive an OTP without request, please intimate the bank immediately. Login to Online Banking through our secured website For more details on our complaint management policy and Banking Ombudsman Scheme, 2006, please visit to http://www.standardchartered.co.in/personal/tools-utilities/en/complaints.html Standard Chartered Bank is committed to making your banking with us a pleasant experience and values your feedback: Visit Us : www.standardchartered.co.in Write to Us : customer.[protected]@sc.com You can write to us at Standard Chartered Bank, Customer Care Unit, 19, Rajaji Salai, Chennai ? 600 001 or reach our Phone Banking executives at http://www.standardchartered.co.in/personal/ways-to-bank/en/phone-banking12.html Original Message Follows: [protected]---- Hi, Thanks for quick response on this. If you look at the previous months stmt the amount realization happened within a day and I don't have clue to understand why this month it is not happening. Also the why there is much delay in this month only when compare to last three month amount. Please let me know the reason for the delay and also interest calculation would help me to understand further on this. Please consider this since the amount was debited my account on that day and only bank to bank transfer issue. It would be grateful to consider this and almost 25% of my bill amount is interest is very high. Best Regards, Chandran Shanmugam (CS) T: +[protected] | VOIP: 36244 | M: +[protected] -----Original Message----- From: head.service [mailto:head.[protected]@sc.com] Sent: Tuesday, November 26, 2013 1:53 PM To: Shanmugam, Chandran Subject: Your recent communication with us (KMM16047000V45832L0KM) Ref : 11/13/117279/SP/CRD Dear Mr. Chandran, This is with reference to your e-mail dated November 25, 2013 We wish to clarify that the Late Payment Charges are billed to your card account only if we do not receive payment even towards the minimum amount due within the payment due date reflecting in the monthly statements. We wish to clarify that the interest is charged to your card account when: ? A partial payment is made ? No payment is made ? Cash is withdrawn ? Partial payment / no payment / payment after the payment due date is made against the previous statement though full payment is made in the current statement. We would like to inform you that the online payment will be applied to your Credit Card Account within 3 WORKING DAYS from the date of payment. It is therefore advisable to make payments at least 3 days prior to your payment due date in order to avoid Late Payment Charges. Please note that as per the statement dated October 2013, the total outstanding dues in your card ending 5276 was Rs.9, 820.32 towards which we received a payment of Rs.9820.32 on October 29, 2013 (after the payment due date and the due date was October 26, 2013). Hence, the financial charges were billed to your card account as per the terms and conditions specified in the Important Information Document attached with your monthly statement. As a service gesture already we had reversed the Late Payment Charge of Rs.600.00 along with the corresponding service tax debited to your card account ending 5276. This credit will reflect in your next statement. We regret our inability to reverse the further charges. Assuring you of our best services always, Yours sincerely, On behalf of Standard Chartered Bank Divyasri N Officer - Customer Care We would like to know whether you are satisfied with this e-mail interaction. Please click on the following link to provide your feedback. https://forms.online.standardchartered.com/public_website/india/e-survey/ Please do not disclose your PIN/One Time Password (OTP) to anyone. Standard Chartered Bank will never call or send SMS/emails asking for such details. If you receive an OTP without request, please intimate the bank immediately. Login to Online Banking through our secured website For more details on our complaint management policy and Banking Ombudsman Scheme, 2006, please visit to http://www.standardchartered.co.in/personal/tools-utilities/en/complaints.html Standard Chartered Bank is committed to making your banking with us a pleasant experience and values your feedback: Visit Us : www.standardchartered.co.in Write to Us : customer.[protected]@sc.com You can write to us at Standard Chartered Bank, Customer Care Unit, 19, Rajaji Salai, Chennai ? 600 001 or reach our Phone Banking executives at http://www.standardchartered.co.in /personal/ways-to-bank/en/phone-banking12.html Original Message Follows: [protected]---- Hi Service Team, My Name : Chandran S DOB : 03/06/1975 Registered Email ID : [protected]@yahoo.com ; chandran.[protected]@cgi.com (My credit card bill delivered to this mail id) My Card No : 5546 XXXX XXXX 5276 Exp Date : 11/16 In Nov 2013 bill, there is a discrepancy in the interest and late payment fee was charged. I had long chat (around 60 min - Call Recorded No: IN[protected]) with SCB service desk try to understand the interest charges. I have paid the Oct 2013 bill on 25th Oct 2013 (Friday) and actual due date as per bill is 26th Oct 2013. As per stmt the total amount 9, 820.32 Rs was credited in my bank on 25th Oct 2013. As per discussion, service desk told me that Saturday and Sunday is not transactional day due to that interest and late fee amount was processed on Tuesday 29th Oct 2013. I don't have clue that why there is no transaction on Saturday and Monday between banks. Also I have tried before the 25th Oct 2013, due to payment gateway error I am forced to pay on 25th Oct 2013. Due to bank transaction processing time delay issue I was charged late payment fee (600.00 Rs) + Interest charges with service tax (2777.14 + 417.41) => 3794.5. Now I have paid my overall transaction remaining amount (Rs. 89707.57) today by deducting the 3794.50. I had experience in earlier month stmts in one day time period which I had example of Aug & Sep 2013 payments and there is no late payment and interest was charged. This month only there is sudden surprise and heavy interest amount was charged. The service desk does not have answer for this questions and finally they have waived the late payment only. But I don't have any clue why there is interest amount charged. Please intervene in this and waive all the charges against me. Best Regards, Chandran Shanmugam (CS) | ITSM COE India Global Delivery Center | CGI T: +[protected] | VOIP:36244 | M: +[protected] This email and any attachments are confidential and may also be privileged. If you are not the intended recipient, please delete all copies and notify the sender immediately. You may wish to refer to the incorporation details of Standard Chartered PLC, Standard Chartered Bank and their subsidiaries at http://www.standardchartered.com/en/incorporation-details.html. This email and any attachments are confidential and may also be privileged. If you are not the intended recipient, please delete all copies and notify the sender immediately. You may wish to refer to the incorporation details of Standard Chartered PLC, Standard Chartered Bank and their subsidiaries at http://www.standardchartered.com/en/incorporation-details.html. This email and any attachments are confidential and may also be privileged. If you are not the intended recipient, please delete all copies and notify the sender immediately. You may wish to refer to the incorporation details of Standard Chartered PLC, Standard Chartered Bank and their subsidiaries at http://www.standardchartered.com/en/incorporation-details.html. This email and any attachments are confidential and may also be privileged. If you are not the intended recipient, please delete all copies and notify the sender immediately. You may wish to refer to the incorporation details of Standard Chartered PLC, Standard Chartered Bank and their subsidiaries at http://www.standardchartered.com/en/incorporation-details.html. This email and any attachments are confidential and may also be privileged. If you are not the intended recipient, please delete all copies and notify the sender immediately. You may wish to refer to the incorporation details of Standard Chartered PLC, Standard Chartered Bank and their subsidiaries at https://www.sc.com/en/incorporation-details.html.

wide credit card no [protected] dear sir, please I am drop a cheque in skybox on 03/11/13at LALBUG MUMBAI, but your person collect and credit in my account on 11/11/13 for rs.12000/-(after due date, due date is 10/11/13)and charge me a late fees rs.700/ + service charges and another complaint for same statement my previous balance is rs. 11914.97+1st transaction Rs.1026.14+2nd Rs.1245.13+3rd Rs.1504.86 +4rth Rs.765 + 5th Rs. 4102.13 + 6th Rs. 440/ total amount due till 4/11/13 Rs. 20998.23, and my total credit limit is Rs. 21000/- how it is OVER LIMIT and charge me intrest on that amount so please take action on my statement and please reverse that charges, awaiting for your feverable reply

Before 1 1/2 year, I purchased a Royal Sundaram Insurance Policy thru my Platinum Credit Card of Standard Chartered Bank where they offered me 24 Month EMI option(finance option). They had informed me over phone that I can surrender the policy at any time during this period and the refundable amount will be credited to my CC account as per policy terms. Now in September 2013, I called Standard Chartered Customer Care and asked to register my request for surrender of Royal Sundaram Policy. Accordingly M/s Royal Sundaram closed my policy by end of Sept and i had received credit of Rs. 3, 436.00 during end of Sept-13. It means the policy was closed. But still M/s Standard Chartered Bank is debiting me EMI amount + interest + overdue charges and as on date that amount is Rs. 3, 206.57 And now they are pressurizing me for payment of Rs. 3, 206.57 immediately. In addition to this, they have charged me Rs. 5, 653.93 which was debited to my Credit Card account on 29.11.2013 whereas my card due date is 22nd or 23rd of every month. But they are saying that this is also overdue. And now they are pressurizing me to pay Rs. 5, 653.93 immediately. I registered complaint against both the issues when i came to know thru sms that my due date is crossed & i need to pay the overdue amount immediately. They should waive both the debited amounts (which i already paid) of Rs.5, 654.90 + Rs. 3, 206.57 by deducting refund against Policy surrender value (Rs. 3, 436.00). Also they should not charge me any further overdue charges for these issues.

SC Bank has repeatedly kept on charging late fee charges on my credit card. In Nov 2013, I called customer care to ask for the minimum amount payable by me. I was informed that if I pay 2500 INR by 23 Nov 2013, I will not be charged for any late fee. Now, to be on the safer side, I deposited 4000 INR ( online) on 20 Nov itself just to ensure that the amount gets credited within the timeframe. Then, to my surprise, when the statement is generated on 04 Dec 2013, SC Bank has charged 500 INR as late fee. There have been numerous email communications with the Bank authorities, Nodal Officers, Principal Nodal Officers. But the bank repeatedly writes the same pre- framed sentences just with a different set of words each time. Again, to avoid further late charges, I have paid 5000 INR today on 23 Dec 2013, But I will not keep silent on this. will take this issue to the highest level possible. Request consumer court to please help in this regards. Dharmesh Verma [protected] [protected]@yahoo.co.in

Dear Sir, This concern/complilant is related my StandardChartered Bank CreditCard statements 15th NOV-2013 & 15th DEC-2013. As per 15th Nov'2013 statement, I need to pay the outstanding of INR. 11, 839.11 by 2nd of Dec 2013 which I paid on the same day through Standard Chartered Bank Online Payment site. I used my ICICI Bank for this payment. The amount got debited from my ICICI bank after this payment process. Now, I received the latest CreditCard statement dated 15th Dec 2013 where it has been mentioned around INR 700 for late payment, INR. 309.52 for Interest and INR. 127.88Service Tax & Cess 12.36%. In total INR.1137.40 has been charged extra. Simultaneously, they are showing the payment made date was 2nd Dec 2013 against above said outstanding (INR.11839.11) as 'Online Payment' - INR. 11, 840.00. Then, I talked to Standard Chartered Bank Customer Care and tried to know the reasons behind these extra charges. They were telling about the online payment that I made on 2nd Dec 2013 was received on 5th Dec into their accounts hence; they levied these extra charges. Hereby, my concern was when I made the online transfer to the CreditCard (i.e. also through their payment gateway through their online site), the respective amount got debited from my ICICI bank account. In otherwords, the amount got transferred from my account. As per the guidelines stated on their statement, I need to clear my outstanding amount by 2nd Dec 2013 that was what I cleared on same day. Now, my concern was, why should I pay all these extra charges when there is a delay in their payment gateway. Is it something customer has to take care of their payment gateway delays? Should customer bound to bear the extra costs which were incurred due to the delays from bank end? Is RBI set this kind of guidelines against the customer? The respective Call Log details were captured with Ref No.[protected] with Standard Chartered Bank Customer Care. Please clarify my concern if something really odd from myend OR do the needful ASAP. Thanks in advance. Regards, Krupa

Dear Sir, With reference to the above PL 49534033. I have sent Lot of mails like the to customer care also. But i did not get any reply. So requesting to register a complaint on the issue and help me to clear the Due, Ganesan. [protected] Mails. shaik.[protected]@sc.com customer.[protected]@sc.com With reference to the tely. talk had Mr. David. I am sending detail. Dear sir. I have got a letter that the due of Rs27651.41, Dt 9th oct.2013. From the same day i have sent lot mails called your[protected]. Today only i got the right detail from Mr. David., Thank to Him.to give your mail id. As per my account only the due is TWO emi of Rs11651/ This is happened that during migration time from B.B to Sc bank the ECS did not come. So it is not my fault. So requesting you to waive the late payment charges and interest and permit me to pay only Two emi of Rs23302. Confirm where i have to sent the cheque. Or confirm the possibilities of making online payment. Give me the detail of Mail address so that i can send the chque. Thanks. R.Ganesan [protected]

Please read my complaint carefully as my problem is when you go to credit card and register for verified by visa transaction it will redirect to a login page however if you click on forgot password then it asks for 4 detail,
(https://cardsecurity.standardchartered.com/vpas/scb/enroll/index.jsp?locale=en_...⇄
1 card number
2 expiry date
3 birth date
4 cvv number,
After filling this information it redirects to a new page where you can change your password, my issue is that there is no security added as this 4 details can be have by anyone, its not even asking for credit card pin / otp .
Please reply accordingly as i know how to register my card and how to do transactions, If you can't provide an additional security on that then you are allowed to close my card relationship.

Dear Sir, I am to inform that I had taken a Standard Chartered Credit Card having no. [protected] in 2004 with limit of Rs. 24, 488, which was written off on 2009. However, the CIBIL report is showing overdue as Rs. 10, 979, whereas the written off status is shown as 'written off'. I had made full and final settlement with the bank whereby they had issued a No Dues Certificate also to me, but, the same is shown as overdue in account. This causing my CIBIL score to be effected and low. Kindly please instruct the bank to remove the amount from 'overdue' and show as nil as shown by other Banks. regards, Saikat Bardhan

Close to 2 years back, I received a call from Standard Chartered agent asking to go for SC Credit Card. They promised me one of the cards and explained the features followed by picking up my documents. When I received the card it was a different card and no features were there as explained to me when they called. I immediately reached out to them at customer care and gave piece of my mind and asked them to terminate the card immediately and I destroyed the card at my end. Now after one and a half year I receive a statement asking for renewal fees and they have started applying charges (interest charges) on renewal fee when I never actually had that card or used it and even they said they have cancelled it. I daily receive a message your card payment overdue on card ending 3394 when I don't even have the card. I would like to sue Standard Chartered Bank for Fraud case to clients and trying to seek money at expense of spoiling my credit rating. Sachin Gulati Mob# [protected]

Before 1 1/2 year, I purchased a Royal Sundaram Insurance Policy thru my Platinum Credit Card of Standard Chartered Bank where they offered me 24 Month EMI option(finance option). They had informed me over phone that I can surrender the policy at any time during this period and the refundable amount will be credited to my CC account as per policy terms. Now in September 2013, I called Standard Chartered Customer Care and asked to register my request for surrender of Royal Sundaram Policy. Accordingly M/s Royal Sundaram closed my policy by end of Sept and i had received credit of Rs. 3, 436.00 during end of Sept-13. It means the policy was closed. But still M/s Standard Chartered Bank is debiting me EMI amount + interest + overdue charges and as on date that amount is Rs. 3, 206.57 And now they are pressurizing me for payment of Rs. 3, 206.57 immediately. In addition to this, they have charged me Rs. 5, 653.93 which was debited to my Credit Card account on 29.11.2013 whereas my card due date is 22nd or 23rd of every month. But they are saying that this is also overdue. And now they are pressurizing me to pay Rs. 5, 653.93 immediately. I registered complaint against both the issues when i came to know thru sms that my due date is crossed & i need to pay the overdue amount immediately. They should waive both the debited amount of Rs.5, 654.90 + Rs. 3, 206.57 and i will pay Rs. 3, 436.00 to Standard Chartered Bank amount as they financed me the total amount of insurance policy. Also they should not charge me any further overdue charges for these issues.

Sir/Madam Kindly see this matter all in the trailing mail record pending from one month and till date no proper responce. Inderpal Singh [protected] -- On Tue, 10/12/13, Inderpal Singh <[protected]@yahoo.com> wrote: From: Inderpal Singh <[protected]@yahoo.com> Subject: Re: Your recent communication with us (KMM15940751V84278L0KM)> To: "Card Services" <card.[protected]@sc.com> Date: Tuesday, 10 December, 2013, 5:06 AM Dear Sir/Madam, My request with the reference no -[protected] provided by your Customer Care is still pending the first mail was drafted on 12 November, 2013, 5:41 AM and you are unable to resolve this matter till date. I had already cleared in my previous mail that Rs-561.44 as Dishonor Charges will be only paid only after the reason of dishonor is cleared from the scan copy which is to be provided by you as in the trailing mail and further other delay charges does not makes any sense, Today even after one month after my first mail Standard Charted bank is unable to provide the documents itself raise doubt the reason of dishonor, my SBI branch Manager given has the reason of dishonor is different as yours and this can only be verified after scan copy of the reason provided by SBI is seen. Kindly resolve this matter on priority basis as further delay is making me restrict to use this card .Further delay in my matter will force me to move in to another level of complaint so resolve it ASAP. Regards Inderpal singh [protected][protected]---- > On Wed, 20/11/13, Inderpal Singh <[protected]@yahoo.com> > wrote: > > Subject: Re: Your recent communication with us > (KMM15940751V84278L0KM) > To: "Card Services" <card.[protected]@sc.com> > Date: Wednesday, 20 November, 2013, 11:47 AM > > Sir, > I had send all detail in my first mail and you can get > cheque detail from your own CRM but as your mail > I am providing you the detail - Cq No-367982 of SBI > -DELHI.kindly resolve this issue ASAP and provide the > photo > copy of my Cheque and the bank remark slip copy so I can > know the actual reason of dishonor of my cheque as per my > branch i have been told the reason of dishonor as the > condition of the cheque not proper. > rgds > Inderpal singh Banga >[protected][protected]---- > On Wed, 20/11/13, Card Services <card.[protected]@sc.com> > wrote: > > Subject: Your recent communication with us > (KMM15940751V84278L0KM) > To: "Inderpal Singh" <[protected]@yahoo.com> > Date: Wednesday, 20 November, 2013, 7:35 AM > > > Ref : 11/13/071723/SP/CRD > > Dear Mr. Banga, > > This is with reference to your e-mail dated November > 16, > 2013 . > > At the outset, we regret the delay in our response. > We > thank > you for the cooperation and patience extended in the > interim. > > We understand from your communication that you wish > to > avail > the returned cheque of Rs.1, 016.00. > > As requested, we have forwarded your request to the > concerned department, however we are unable to > process > your > request as we require the cheque number. > > Hence we request you to revert with the confirmation > of > the > cheque number and details for us to cheque and do > the > needful. > > > Assuring you of our best services always, > > Yours sincerely, > > On behalf of Standard Chartered Bank > > Suganya S > Officer - Customer Care > > We would like to know whether you are satisfied > with > this e-mail interaction. > Please click on the following link to provide your > feedback. > https://forms.online.standardchartered.com/public_website/india/e-survey/ > > > Please do not disclose your PIN/One Time Password > (OTP > ) to anyone. Standard Chartered Bank will never call > or > send > SMS/emails asking for such details. If you receive an > OTP > without request, please intimate the bank > immediately. > Login > to Online Banking through our secured website > > For more details on our complaint management policy > and > Banking Ombudsman Scheme, 2006, please visit to http://www.standardchartered.co.in/personal/tools-utilities/en/complaints.html > > Standard Chartered Bank is committed to making your > banking > with us a pleasant experience and values your > feedback: > > Visit Us : www.standardchartered.co.in > Write > to Us : customer.[protected]@sc.com > > You can write to us at Standard Chartered Bank, > Customer > Care Unit, 19, Rajaji Salai, Chennai ? 600 001 or > reach > our > Phone Banking executives at http://www.standardchartered.co.in/personal/ways-to-bank/en/phone-banking12.html > > > > > Original Message Follows: >[protected]---- > > sir, > kindly resolve the matter in the trailing mail.my > details > are, > INDERPAL SINGH BANGA > Card No-[protected] > Mob No-[protected] > > My I.D. is registered with you all details can be > find > out.I have been told that you are unable to find out > my > detail. > > rgds > Inderpal > >[protected][protected]---- > On Tue, 12/11/13, Inderpal Singh <[protected]@yahoo.com> wrote: > > Subject: Re: Your eStatement for Nov is now > available. > Ref:<E[protected]-2> > To: card.[protected]@sc.com, > Global.[protected]@sc.com > Date: Tuesday, 12 November, 2013, 5:41 AM > > Dear Sir, > After telephonic conversation with the customer care > this > mail is draft my reference no -[protected], My Bank > Cheque > was > dishonor as a result I had deposited the same amount > before > the last date but due to Cheque dishonor Rs-500 as a > penalty > was imposed on me, as a request kindly provide > photocopy of my Cheque along with remark slip copy > from > the > bank to know the reason . I have been told by my > bank > manager that the reason for dishonor of the cheque > was not > in good condition so the cheque was dishonor. As > customer > this is my Right to known the facts so this is > required > kindly provide the same ASAP . > Thanks and regards > Inderpal Singh Banga > [protected] > > > On Fri, 8/11/13, Global.[protected]@sc.com > <Global.[protected]@sc.com> > > wrote: > > Subject: Your eStatement for Nov is now > available. > Ref:<E[protected]-2> > To: [protected]@YAHOO.COM > Date: Friday, 8 November, 2013, 3:43 PM > >