Standard Chartered Bank Complaints & Reviews

DEAR SIR, I WAS HOLDING A CREDIT CARD OF STANDARD CHARTERED AND AFTER THE INITIAL ONE YEAR I WANTED TO CLOSE THE CARD AS I WAS NOT USING IT. I HAVE REPEATEDLY MAILED THE BANK AT CUSTOMER CARE. PLEASE FIND THE BELOW MAIL FOR DETAILS. I HAVE ASKED FOR DISCONTINUING THE ACCOUNT BUT TO NO ANSWER OF CLARITY. PLEASE LOOK INTO THE MATTER ASAP. Ref : 08/13/132415/SP/CRD Dear Mr. Ray, This is with reference to your e-mail dated August 29, 2013 We are concerned to know that you have requested for the cancellation of your card. Further to the telephonic conversation you had with one of our executives, we understand that you wish to continue using your card account. Hence, we request you to use the same for your future transactions. Assuring you of our best services always, Yours sincerely, On behalf of Standard Chartered Bank Sandhya 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 "As per RBI guidelines, effective April 1, 2012; the validity period of Cheques, Demand Drafts, Pay Orders and Banker's Cheques for payment will be reduced from 6 months to 3 months from the date of issue of the instrument." Original Message Follows:[protected]---- I am still awaiting revert of the previous two mails. [protected] Forwarded message[protected] From: customer.care <Customer.[protected]@sc.com> Date: 25 August 2013 16:33 Subject: Your recent communication with us (KMM15032425V28530L0KM) To: AVIRUP RAY <[protected]@gmail.com> Ref : 08/13/112108/SP/CRD Dear Mr. Ray, This is with reference to your e-mail dated August 25, 2013 We are concerned to know that you have requested for the cancellation of your card. We have forwarded your request to the concerned department. One of our executives will get in touch with you shortly in this regard. We request you to bear with us in the interim. Assuring you of our best services always, Yours sincerely, On behalf of Standard Chartered Bank Clemy V 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 "As per RBI guidelines, effective April 1, 2012; the validity period of Cheques, Demand Drafts, Pay Orders and Banker's Cheques for payment will be reduced from 6 months to 3 months from the date of issue of the instrument." Original Message Follows: [protected]---- I understand your point. But it was mentioned to me earlier and i remember quite clearly that the second year charges would be charged to me if i grant and ask for it. I insist that i want to discontinue my credit card and i am not going to use it for the second year and so kindly accept my submission of the credit card. Also kindly ask your sales guy to properly mentione the afore mentioned point at the time of selling the cards Hoping for a speedy reply Thanks Avirup Ray On 20 August 2013 17:16, customer.care <Customer.[protected]@sc.com> wrote: Ref : 08/13/084691/SP/CRD Dear Mr. Ray, This is with reference to your e-mail dated August 20, 2013. We understand your concerns regarding the Annual Fee billed to your card account. In this regard we wish to apprise 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. Super Value Titanium Card makes every moment enjoyable with: 5% Cashback on fuel: At all fuel pumps be it at BPCL, HPCL, Indian Oil, etc. 5% Cashback on telephone bills: On all telecom service providers - be it Airtel, BSNL, Vodafone, MTNL, Reliance, TATA Indicom , etc. 5% Cashback on Utilities 1 Reward for every Rs.100.00 spent on all other categories Cashback is capped to a maximum of Rs.100.00 per eligible transaction, and to Rs.500.00 per month for all cards owned by the customer. Minimum transaction value has to be Rs 750.00 for Cashback eligibility. A review of our records does not indicate any communication / assurance provided by you with regard to the aforesaid card being a life time free card. In the event you are in possession of any confirmation (document / verbal) with regard to the lifetime waiver of the annual fee we request you to share a copy of the document (or) reference number of the telephonic interaction to enable us assist you accordingly. We note that the Most Important Document in the application comprising of the details of the various charges and fee applicable on the card states that the same will be free for the first year (ie the fee on the card has been waived off for the first year). However an amount of Rs.750.00 will be billed to your card account from the second year of availing and using the card. Accordingly, the Annual Fee of Rs.750.00 had been debited to your card ending 3123. We regret our inability to reverse the same. We are concerned to know that you have requested to cancel your card relationship with us. We request you to reconsider your decision and provide us with another opportunity to be of service to you. Assuring you of our best services always, Yours sincerely, On behalf of Standard Chartered Bank Sathish 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 "As per RBI guidelines, effective April 1, 2012; the validity period of Cheques, Demand Drafts, Pay Orders and Banker's Cheques for payment will be reduced from 6 months to 3 months from the date of issue of the instrument." 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.

Please provide as Dear Supported Team, I had applied for credit card in standard chartered bank, time I had applied at the same time employee of standard chartered bank (Manjiri) was gave me this application number [protected]. but i cant see online my application status. this is wrong application no. I personally contact customer care and told him please give me status of my card but they cant any help me. Please do the action against standard charted bank My email id is [protected]@rediffmail.com My mob no is [protected] information as possible...

Please provide as much iDear Sir,

My Name is Mohan Nainani, I have a Standard Chartered Credit card. I would like to inform you that the services of standard chartered is pathetic. The customer Care officer are least bother about the customers, As if they are doing a favor by serving the information to the customer. I am using the Standard Chartered credit card from last five years. From past one year i have stop receiving the credit card statement, I had asked for the reversal of the late payment fees, after the confirmation from the sales officer, i made the complete amount of payment, but my late payment as not been reversed. and later when i call the customer care for the confirmation, she was very rude to me. She was talking to me as if she is my boss. After all this experience, i would never recommend anyone for standard chartered. I would request any senior person from standard chartered to please call me and try to resolve the case.

My Updated cell phone No is [protected]


Regards,
Mohan Nainani nformation as possible...

I have paid my due before time and raised a request to close credit card.

But they do not close the credit card first, on saying again and again they closed the credit card and send me a bill of late fee.

I have paid all the amount before time, so no question of late fee.

Please help me out as they sending me a message on phone for false payment and harassing me.

Hello, Few months back I've got a call from Bajaj Finserv Lending for a credit card service with Standard Chartered Bank. They have issued me Standard Chartered Platinum Credit Card. I have done shopping just once from that credit card and have got a bill wherein unnecessary charges were applied in my bill. So, I've made a minimum due amount before a due date but later on I've deposited the cheque in favor of My Credit Card Payment but the bank have misplaced my cheque & no communication has been given to me about my detailed bill / payments. After few days of the payment I've got msg from Standard Chartered Bank saying my bill amount is pending. Since that day only I had been calling to the customer care no, of the bank no body is responding to my calls. I've also written a mail to them about this complete issue & have requested to cancel my credit card (Complaint Ref No. - Ref : 08/13/104828/SP/CRD) & have got a mail-reply that my request will be processed in 7 days but no response has been received from them till now & still no one answers the call at customer care no. I am not getting any clear status about my bill payments & credit card cancellation request. So, I would like file a complaint against this fraudulent bank & would also request to take strict action against the bank & help me with a positive outcome.

I am holding a STANDARD CHARTERED MANHATTAN platinum credit card No.: [protected] from 09/11. I have purchased an AC on may-2013 with agreement of amount RS-3333.17 with total 6 installment whereas the entire full payment has been done on 10/06/2013 through VISA power transfer from my axis bank account.

After that transaction I am getting following SMS like
“Hi,the payment for stmt 20/07/13 is due on 12/08/13,Total due:INR [-12,759.95,minimum due:INR
3333.17, please ignore if already aid-team manhattan.”
Though the due amount is negative on next bill another installment charge added with late fee of 500/-.Now my card is blocked. so I contacted to customer care to get the information about the card and explanation of bill but customer care executive told me that the card is blocked cannot check the status.
Please let me know how I can be out of this problem.


Thanks & Regards

Kalyan Dhara

A statement was sent on 15th Jul 2013 of 4027 Rs for which I made payment on 18th Jul 2013, Due date of the statement was 5th Aug 2013. Now I received a statement on 15th Aug 2013, which says previous dues not paid, plus late fees plus interest accrued plus current dues. I emailed, lodged a complaint, tried to connect through phone, but no response I got. This had happened second time. They replied that they won''t be able to revert the charges for the first time. This time no response. Worst customer care service.

Hi, I would like to express my displeasure on the functioning of your employees. First of all i get a call from your tele marketer saying that Standard Chartered bank has shortlisted your number for the credit card after checking your CIBIL score which is excellent, we have done complete research on your profile and just need few documents to hand over the card to you. And now when i handover the documents, there is no response from your end and even the tele marketer inspite of being present in the office; communicates it from others that he is on leave and that too after speaking to me in the morning, the same day. I do not know how you set targets for your sales representatives, as if only collecting applications being your motto then there is something wrong in your system I learnt today after calling your customer care that my application has been declined. I simply do not understand your criteria of functioning. For your information, i got my HDFC Credit card just a few days back and i am pretty happy with their functioning. I would always recommend their name to my relatives and friends in future. The issue here is not that you have declined my application but with the way you function. Why guarantee customers about getting the card when it's your first cold call to them? Why waste time of people in collecting documents etc? I would request you to let me know the exact reason why application was rejected and moreover i need the documents back. I provided my registered rent agreement, salary slip (over 9 lakhs per annum), bank statement, passport copy & PAN card copy but still my application gets rejected even after getting physical verification done at home and office. Moreover i have never had any credit card related issue nor any issue with loan (had an education loan which need ed to be repaid in 7 years and i did that in 4 years) and neither any cheques have bounced. Additionally i would never like to hear back from you regarding any promotional items etc etc etc. Regards Jitendra

Hi Sir,

Regarding Standard Chartered Bank charged additional amount {561.00} without intimation/informing.

Reason: Credit Limit exceeded.

My Concern# with out intimation there charged the amount and how there system is allowed to do transaction more than my credit limit.

My Card number# [protected].

Please do needful to revert back my amount.

My Mobile Number#[protected]

Thanks
Pradeep Kumar

This is regarding the Enhancement pack linked to my credit card [protected]. In the month of May 2013, I had received call for ENHC Card I said not required card but Representative say you take card & when you required to use that time you make payment I receiving card on 5 June 2013 & in 19 June 2013 bills bank debited charges for ENHC card in Minimum amount after that I given complain to Customer Care on 28 June 2013 He take request for cancellation of card & said with in 15 working days your amount refunded to your account to pay this month bill including this amount so that I paid bill but within 15 days I am not received refund so after 15 days on 11 July 2013 I called to customer care about refund amount He says your request under process you send card pack on CB Head Delhi Sales, Standard Chartered< Bangalore address after 2 days I send ENHC Card pack through courier on said address & after 15 days I called to Customer Care for refund first executive said they not received my card so that I said I having courier receipt I give your receipt number & within 5 minutes I call back that time second executive said your card received after 1 month we called it but not refunded your amount. That after I purchased amount near about this card fees & then I stopped making any further payments for my Credit card.

I have recently applied for personal loan with standard chartered bank (10 days ago), with the application no. mentioned above. I applied for the loan and submitted my documents. But after that I have not got any response from the bank yet. I have tried to call them innumerable times, but in vain. I also got a status for my application , which was totally irrelevant. I request the actual status of my application from the bank and also the reason for delay. Regards Parag [protected] [protected]@gmail.com

This is regarding the Enhancement pack linked to my credit card [protected]. In the month of February 2013, I had given my consent for the Enhancement card after SC(Standard Chartered) representative mentioned about all the benefits for the same. I was also communicated that if I cancel the card within 30 days, I shall be refunded the charges levied for this card. But I received the Enhancement pack card after a month of application and then I found that the associated brochure did not mention all the benefits that your representative had promised. Clearly the representative had made false promises just to sell the card. I called up customer care for the same. They said that I will be getting another card in few weeks that will have all the benefits. I waited for few weeks but I didnot recieve any card. Finally I requested for cancellation and sent back the kit in the month of March itself. Still I have made few payments against the Balance transfer account/Enhancement pack card account for 2 more months after cancellation request since I was conveyed that it will take some time to cancel the card on the system and I should make payments to avoid collection calls. But then I stopped making any further payments for this Enhancement card. I suppose it does not take more than 2 months to cancel a card. Moreover I have been paying for the card that I dont have assuming that I would be getting the refunds once the card is cancelled in your system. This is what I was told at the time of cancellation request. But now I get a communication from customer care that the cancellation request was beyond the time limit, so I shall not get any refund. Please bear in mind that I received the kit after a month and after that I raised the cancellation request and at that time also I had called up customer care regarding this asking since I got the card with such delay, shall I be getting any refund and I was told that I will get all refund since I had received the card with delay. I understand that request for cancellation is beyond 30 days limit of request of application but then it was fault from your side since I received the card only after a month and that too your representative had made false promises about the same. I have mailed several time to customer care since March. Everytime they reply the cancellation process is in progress. After 4 months, I receive a mail that I shall get no refunds. Now I cannot trust Standard Chartered bank any more. I fear I shall cancel my credit card and all relationship with Standard Chartered bank. HSBC and ICICI provide far superior service compared to you guys and They never make false promises and I never had any such issues with them since last 7 years.

I have got the credit card frm standard Chartered linked with Bajaj Finserv lending. Pathetic service they have. Unnecessary charges has been added in my bill. Also whenever I call customer care my cal has never been answered. I hav never got any assistance to even cancel my credit card. I would never recommend this fraud bank to any one for any product.

I am getting nearly 10 calls from the banks like Citibank,ICICI bank,Standard Chartered Bank for Credit card and Personal loan DAILY.
Whenever i am busy with some work that time these calls makes my work to delay and also disturbing.
This so frustrating that i don't want any calls from these Banks anymore.
My contact number on which these calls are made is: [protected].

Please Activate DO NOT DISTURB for Mobile.

Thanks,

Vitthal U.

Dear Bank,

Let me be very sorry for Using the unparliamentarily Language if any. As bank officials are doing the same from past long with me over calls.
Even there is never a proper reply from Bank Officials over my case for last more than 4 years.

TO Provide the Brief of my case
1. It started well back in 2007 where in i took a loan of Amount Rs 210000/- (2 lakh 10 thousand only) and a loan amount of Rs 84000/- in June 2007 wheren already i had a loan account no [protected] with running a dial up loan upto 08/12 payments already cleared up and first Installment with 01/36 was applied on 29-05-07.

2. In the Next Billing Cycle ie. Jul 2007 the SCB has Applied 3 Description into my account ie. [protected] with VIsa Gold for ROYAL SUNDARAM for Rs 9662/- which i have never applied for and also the VIsa GOLD credit card which i never accepted or asked for.
second [protected] with Master Gold having processing fees for DIAL up LOAn amounting to Balance Rs 1416. THIRD one [protected] with 4 EMI's Which i dont know what is it for as i have got cancelled the ROYAL SUNDARAM PREMIUM then why the hell they have shown the amount in the statement. other 3 is also under scanner, i dont know properly whether i have taken loan or not BECAUSE in place of me, bank itself have drawn that amount.

3.Again in September 2007 SCB have ROYAL SUNDARAM into my Statement, i wanted to know the Reason when i have cancelled the Insurance then why the hell, you [censored] apply it again and again into the account this amounts to Rs 6739/- again the same amount is divided into EMI of 24 Months.

4. In October 2007 Statement Bank Again Applied a ROYAL SUNDARAM insurance of Rs 12775/- and refunded me of cancellation of ROYAL Sundaram a sum of Rs 665/-, i wanted to have the Voice Clips if any for accepting the ROYAL Sundaram Insurance by BAnk. As I have never accepted the same. Also as per Bank officials over Customer care asked not to pay as they will cancel the same and it will be highlighted in the next statement cycle. but instead they have applied the late fees, interest and service tax.

5. In Jan 2008 statement bank has shown the TITANIUM CARD with no [protected] which i have never applied and doesnt have provided it in writing also. the amount is Rs 3370/-. this same game was played by bank for statements till june 2008 whereas i have cancelled the TITANIUM Card in Feb 2008 but bank didnt refunded my amount and cancelled the Card also.

6. When i strongly apposed the same in June 2008 then the bank stopped the EMI and Demanded for full amount in August 2008 statement. Whereas i Constantly paid the EMI amount which amounts to Rs 10000/- MOnthly till april 2009 as per my EMI Installment for the Loan Amount.
I also Wanted to know the Reason for Refunding the amount of Rs 2000 Instead of Rs 3500 For Cancellation of Titanium Credit Card.

7. Also to mention when i have cancelled the ROYAL SUNDARAM Insurance before time so why the hell bank has refunded the half amount, and as per the rule and regulation i was supposed to get the full refund of the amount without any penalty such as interest or service tax on it, as applied by bank.

8.If bank can see and have Specs then please have a look at the amount calculated on AUGUST 2008 calculation as Dial Up Multiplier as
a. 12/24 - Rs 3937.32
b. 14/36 - Rs 57894.37
c. 15/36 - Rs 139265.26 for which total comes out to be Rs 201097
and in Dec 2008 the SCB has Shown the same amount being credited to my amount for the loan amount such as
a. Rs 3937.32 , Rs 57894.37 , Rs 139265.26 which is same as in August statement but i have paid the amount as per my interest, bank should have deducted the same amount from the above amount
also started a new calculation with 01/13, 01/23 and 01/22. so in this case if i take already paid the amount of Interest per month which bank has forgot to mention in the statement and also as a proof i have in Bank Statement. Also to mention when the [censored] have cancelled the Royal Sundaram Insurance then why the hell the Bank still continues with the EMI for those Premium.
to continue further tif i have paid 12, 14 and 15 payments till August 2008 then Dec it comes out to be 16/24,18/36 and 19/36. I have paid Rs 40000 in 4 months as per my statement so bank should have deducted the same amount from the August 2008 statement amount and in Dec 2008 the amount will come out to be Rs 161097. but Instead bank has applied the same amount as in August 2008 for the repayment, so wanted to know the reason for Rs 40000/- fraud by Bank.
when according to my calculation the payment was made and the difference between the installment comes out to be as follows:-
Dec 2008
a. 16/24 - difference of 8 Installment which i need to pay whereas bank has shown 01/13, so don't you people know the Maths calculation for does have any CA to your Bank.
b. 18/36 - difference of 18 Installment instead of 23
c. 19/36 - difference of 17 Installment instead of 24.

9. As per all records the Loan Installment should have finished for 16/24 in Dec 2008 by August 2009 but Bank continued the same by Dec 2009. which is pure case of Fraud by Bank.
also for further Installment for 19/36 in Dec 2008 should have finished by May 2010 but bank continued it till Sep 2010. i dont know the reason for the same.
last Installment for 18/36 was for Jun 2010 but bank did it till October 2010.

The same documents have been provided to CRAP Employees of bank who it turn provides the [censored]G Assurance that the same will be rectified at the earliest.

10. I have again Taken a Loan of Amount Rs 90000/- on 31st March 2010 of amount Rs 90000/- for 24 months if applied the installment commencement from April 2010 it will last till March 2012 for which i have made a payment till March 2012 as per Card statement and Bank Statement. for which i have provided the documentary proof to useless Employees of Standard Chartered Bank.

11. Rest of the Amount what [censored]G Bank is doing for someone has deposited in his own account. So Look into the matter and Clear all the pending amount and if required send a senior Official of Bank which his ID card and Proper Documents so that we can share with him all the Documents and Clarify.

I know Very Well, You People will not Respond to this as bank has done a Fraud and they didnt even care in replying back the mail sent to bank. as i have encountered the same behavior earlier also.

DO THE NEEDFUL AT THE EARLIEST AND CLEAR ALL THE DUES BEFORE I MOVE FORWARD TO TAKE ANOTHER STEP.
ALSO DON'T THREATEN ME BY CALLING AT MY NUMBER AND ABUSING ME FOR KIDNAPPING AND MY LIFE AS DONE IN PAST ENCOUNTERS.

Regards,
Anil

Hi All,

This is just to aware you people against the Fraudulent Bank I.e. STANDARD CHARTERED.

Which does a fraud with each and every credit card customers of the Bank. if Complaint against them they threaten to do some useless crap like - Kidnapping the credit card holder, threatening of his life and be aware of the consequences to face by bank Bouncers.

Few things to mention,

I have taken a Credit card loan but the bank did a fraudulent billing and made the payment of the same after 10 payments of 24 payment cycle. with a gap of in between 6 months they made it to 36 payment whereas all the amount was same which i have paid to them. Now they have shown the extra amount to be overdue whereas as per my records the payment for the loan is over and same has been shared with bank officials and they have also agreed but no rectification has been taken place till now.

Bank officials are threatening me of my life and Kidnapping.

Please people tell me what to do, i cannt share the account number and Phone number, as bank employees will also be there on this side. they will again start blackmailing me.

Regards

Anil

Standard Chaterted Bank had debited my card Rs. 4000/- + taxes in March 2013 . when alert came, i had contacted to know why the debit since i had not used the card . i was informed that it was some advantage scheme. i had lodged complaint immediately as i was debited same amount during last year which without my knowledge, i paid and not utilised. however,unfortunately SCB sent the vouchers to my address which i had returned spending Rs.60/- being courier charges.

Though entry was reversed, about Rs.6/- kept as balance. I had lodged complaints several several times but only late fee was waived.I was assured that entire amount would be waived. Last month again i got a bill of Rs.126/- I lodged complaint but now they said i should pay entire amount with late fee. Since i had not used the card since last 5 months, it is unfair on the part of SCB to charge unilaterally.

Though i had requested the bank to cancel my card in February 2013, the same had not acceded to instead reduced the credit limit to Rs.36000/-. Hence I once again request the bank to waive all debits charged to me and cancel the card. i was not using the card since December 2012.

My Name is Saurabh Purwar. Credit Card was issued to me by Standard Chartered Bank in Sep 12. I was told by representative of the bank Ms. XX from Delhi Office that I will get the 5% cash back discount on my Any Bill & also waive off all last bill already dedicated max transaction of 500 Rs. However, when I received my monthly statement I was surprised to see that no cash back was given on my bill. After that I have called to customer care. The lady there told me that no cash back will be possible for your card. Because of transaction limit is increase 750 Rs.

Bank is not fulfilling its promises and it is a clear case of cheating and fraud. I need the help regarding this.

Regards,

Saurabh Purwar
([protected])

dr sir my complaint is that my cibil data is destroyed by satandard charted bank and levied me unnecessary intrest and late payment charges on illegal amount levied by friend finder .com without my consent also i have paid the amount still standard charted have not cleared my cibil data and not given me no dues certificate plz take necessary action

Dear Sir/Ma'am,

With due respect I would like to narrate a case of cheating / misselling by Standard Chartered Credit Card Sales Executive. I have already raised a complaint to standard chartered customer support regarding but they people dont seem to have any interest in resolving my complaint.

The details of the complaint submitted to Standard chartered is as follows: complaint Ref No: 07/13/126747

Dear Sir/ Ma’am,
This is w.r.t. a misselling of a product by a sales executive of your credit card team. I got a call from your credit card team regarding a package (Advantage – card enhancement pack) being offered on my credit card on 07/06/2013. The lady on the sales call told me the benefits offered with the package. I was not interested in the package but the lady insisted that if I don’t like the package, I can return the package within one month’s time. She requested me to at least take the package and told me to return the same once I receive the packet. She dint mention the time from where my one month’s time countdown started and also she insisted me not to make any query in the confirmation call and told me that sir please I request you not to ask anything about the product in the sales call, just tell them to send the package at my address. I attended the call and did as told by her to me.
Anyways I got the packet on 27/06/2013 after 20 days of the verification call. I read the terms and conditions mentioned in the brochure. I called the customer care on 04/07/2013 and asked the customer care executive about the procedure to return the packet. The guy told me that I will get a call from the credit card team for the same and he gave me the service request no :[protected]. I got call from the credit card team on 10/07/2013. They told me that they will cancel the package but I will not be refunded the amount of the package charged on my card as the period of one month has been over and I could not cancel the package. I told her that I got the packet on 27/06/2013 and I requested for cancellation of the same on 04/07/2013. According to me, 1 month time will be over on 26/07/2013. She said the period started on 07/06/2013 when I got the first sales call. That was not told to me. And I dint ask anything during the verification call as she told me not to ask anything.
This is completely a case of misselling to me. I will have to pay 4000 + bucks for something which I don’t need at all. I wanted to talk to the sales executive who made the sales call and cheated me, but she said that she does not know who made the call and can’t arrange for the same.( There must be some body’s Employee code mentioned on the sales call conversion. )
I don’t want the package and want the charges levied on my card to be refunded. Kindly reverse my charges which have been levied on my card to avoid late payment charges. Kindly resolve the matter ASAP otherwise I will have to move to higher authorities.
The details of the card are as follows:
Card holder Name: Ashok Kumar
Card no: [protected]
Card expiry date: 05/18
DOB: 25/08/1984
Contact no: [protected]

After waiting for over 9 days, I dint get any written communication from them. I got a call from their credit card team on 26/07/2013, they told me that i won't get any refund and said I can go to RBI or even Supreme Court for the reversal but they wont refund me my money back. I asked them to give me this in writting, I got the reply from other side that I wont get any thing in written.

I again marked a mail on 26/07/2013 to the customer.[protected]@sc.com, card.[protected]@sc.com and head.[protected]@sc.com. The communication is as follows:

Dear Team,
W.r.t. complaint registered on 17/07/2013, till now and I have not received any written communication from your side, which you were mentioning in your previous automated generated mail that we will get back to you within 4 working days. However, I got a call from your credit card team and told me that they will not be able to get my money back and also cancelling the package worth rs 4500.00 issued on my card. But when I ask them to provide the same in writing they refused to do that and start telling me the terms and conditions now which were never told to me before this incident. They are asking me to give a valid reason for cancellation of the product , but actually this is a case OF misleading/ misselling of product to a new customer so, how one can provide a valid reason for deactivate the package . I could not ask anything over the verification call as I was requested by the sales executive not to make any query during the verification. This is coming out to be a complete case of cheating.
I request you to kindly look into the matter and NOT TO CANCEL THE PACKAGE UNTIL I GET MY MONEY BACK and request you to give me in writing that I will not be refunded my money otherwise I have to move to higher authorities or consumer court is only solution to my problem.
Kindly provide the solution on urgent basis. I am also belong to the same Industry as I am working with Axis bank as a Deputy Manager and know about all terms and condition very well.
Thanks and Regards
Ashok Kumar
[protected]

I am still awaiting for their response. I request you to kindly look into the matter as because of this I am not able to concentrate on my Job as well.

Thanking you in anticipation

Yours Truly,
Ashok Kumar
[protected]