Standard Chartered Bank Complaints & Reviews

Dear Sir/Madam,

I was applied personal loan on SCB bank Rajaji Salai last week (i have my savings account and owe credit-card on SCB). After submitting documents for address proof, i have received cibil confirmation call and house verification. On 12th July 2013 i have got a call confirmation for the loan 2.93 lacks and they want me to provide 5 cheque leaves and one pan card Xerox and the guy spoken with me says once the cheque leaves collected 24 hours the loan amount will be delivers to my account. I asked them to come and collect that by 2 pm on same day. But the document collection representative come 2 hours earlier (by 12 pm). I requested him to come by 2pm. after that i don't know what happens no one calls me i just wait until 6pm nobody comes to collect that document.

Saturday no response, Sunday no response. Monday no response.....

Finally Monday afternoon I called them, asked about the loan status. And they said that loan is holed by the credit team and reported the reason "1. I have already one hand loan, 2. Above 16 k commitment" based on credit teams confirmation call with ME. The problem is No one calls me, i have not reported to anyone about that. I believe that there should be a naming confusions that should be resolved.

There is somebody gave the false statement against the loan process. Also there is no proper response and nobody give me a clear picture about this issue. This is really disappoint me and stop looting your one of the most loyal customer.

Regards,
Nagarajan,
[protected].

I am using Standard Chartered Bank SUPER VALUE TITANIUM card. They had not mentioned about process to close the card anywhere either on there site or in the documents sent with the card.

So I had asked for process to close the CREDIT CARD 5 times through email to customer care. In my emails I had clearly mentioned that I do not want to close the card now, I just want to know the process to close the card.

instead of sending me process to close the card, every time they are asking me to send request to cancel the card and they process it. Which is clearly indicating that they are acting in transparent manner for my query.

Please go through the following email communication b/w me Standard Chartered band customer care:


Ref : 07/13/038043/SP/CRD

Dear Mr. Singh,

This is with reference to your e-mail dated July 08, 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

P Bhuvaneshwari
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]----


At this point of time I am only interested in knowing the process of closing the
card. Because it is not mentioned anywhere neither on your site nor in the
documents sent with the card.

So please just send me the process to close/surrender the Super Value Titanium
Card which I am having with all the details like charges (if there are any),
time it will take etc.

I will decide it on my own whether to send request to cancel card account or
not.

And please please please this time don't send any crap reply. Either send the
process to close the account which I had requested or just say clearly that you
will not share this information ... (No bakwaas please)



Thanks,
Sandeep Singh
Cell: [protected]



On Sat, Jul 6, 2013 at 2:51 PM, customer.care <Customer.[protected]@sc.com> wrote:


Ref : 07/13/025357/SP/CRD

Dear Mr. Singh,

This is with reference to your e-mail dated July 05, 2013.

We are concerned to note that your earlier interaction with us did not elicit a
satisfactory response. We regret any inconvenience caused to you in this regard.


We understand from your communication that you wish to cancel your card account.



In this regard, if you wish to cancel your card account, we request you to
revert us with your confirmation for us to do the needful.

Assuring you of our best services always,

Yours sincerely,

On behalf of Standard Chartered Bank
Padmavathy Bai G
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]----


This is getting pathetic now.

Will you guys please send simple and clean answer to my question.

This 3rd time I am asking that just send me the process to close/surrender the
Super Value Titanium
Card which I am having with all the details like charges (if there are
any), time it will take etc.

Just send me answer of my question, No talking please, do not waste your
and my time by sending these kind of replies.


Thanks,

Sandeep Singh
Cell: [protected]



On Fri, Jul 5, 2013 at 11:07 AM, customer.care <Customer.[protected]@sc.com> wrote:


Ref : 07/13/012280/SP/CRD

Dear Mr. Sandeep,

This is with reference to your e-mail dated July 02, 2013 .

e have noted the concerns raised by you with regard to the revision in the
features of your Titanium Card.

In order to align itself to the market conditions the Bank will change the
features and offers its products from time to time. This is in line with the
agreed terms & conditions of the product.
As per the revised product features of your Titanium Card, the minimum
transaction value for cash back is increased to Rs.750.00, the Cash back 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.

A prior information to this regard was sent to all our customers through their
last 2 month's statement of accounts

We hope the above mentioned explanation would satisfy your query.

We confirm that we have updated in our website regarding the change in features
of the Titanium Credit Card. We request you to visit our website for further
clarifications.

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.

We once again regret the inconvenience and we request you to treat your
experience in isolation and not as a reflection of our commitment to delivering
superior customer service. We look forward to your continued support in the
years to come.

Assuring you of our best services always,

Yours sincerely,

On behalf of Standard Chartered Bank

Kamini T
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.





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.

I hold the Manhattan credit card .[protected] from almost 5 to 6 years and has been paying all my bill on time most of the time.

Few month back i got a call to convert my Credit balance into EMI and after few inquiries i agreed to convert ~Rs.48k amount into EMI for 12 month with total one time interest of ~Rs.3.5k.

At the time of converting i specifically asked about the credit limit and i was confirmed that no credit limit will be blocked .

Last month my card was blocked after the usage of ~Rs.31k and when i called up the call centre and they informed me that limit is blocked due to EMI amount post that i raised a complaint with reference no. [protected] dated 23 Jun’13.

Few days after registering the complain i received a call and after a detailed discussion i was told that they will arrange the call recording in which i was told about the credit limit block BUT THE CALL NEVER CAME and LETTER was sent to home stating that they tried contacting me and i was not reachable and complaint was closed.

THIS IS CHETING AS WRONG INFORMATION WAS GIVEN TO ME AND UNETHICAL WAY TO CLOSE THE COMPLAINT.

Now i want the reversal of the Interest i had paid for EMI and appropriate action to be taken against the person who has given wrong information and also against the person who has closed the complain without resolution.

New complaint no. –[protected] dated 13 Jul’13

Thanks & Regards
Sumit Agarwal
[protected]

I had received many calls from your bank side on daily basis regarding for credit card on the behalf of my hdfc credit card, Finally on 14/04/13 i ready to apply for credit card, On 14/04/13 I received a call from your bank side from no.[protected], Executive name:- Kalpna,And on 19/04/13 i received a reference no. GFJ6333BNP01. But i did not received any information yet. On 30/04/13 I called to your agent kalpna to confirmed the status, She said i ll confirmed after then i call you back. Final on 13/05/13 Your executive called me and informed me that your request was disapproved and you need to again submit the application then i again submitted the documents on 14/05/13 and on 16/05/13 i received a reference no. GGT3810XMP01, Again same thing happen again i do not received any confirmation yet, again I received a call from your bank side on 22/6/13 Executive name:- Sindhu I took her mobile no. [protected], she said sir due to technical issue we are not able to update you application, So you needs to gain submitted the documents, I clearly explain to then If Card is not delivered within 7 working days. then needs to refund my documents, But still i do not received any confirmation yet. So this is reminder mail to you and for your all respective management team, Issue a credit card else refund my all documents.

My documents was collected 3 Times, Is this Fraud ?, Your company doing fraud or what. I am very very much disappointed with your services and i never suggest to any one to deal with your bank. your company is totaly doing fraud withs customer, According to your company HDFC Bank is more better.

I request to your learn something that what is customer service and satisfaction or value to HDFC bank.

They wasted my very important time and also took my important documents with my signatures. So kindly take the necessary action so that any costumer could not suffer like this in future. Please make them to return my all documents also. 3times

Also Send my mail/Feedback to Sandeep das (MD), Mr. P. R. Somasundaram, Mr. Dipankar Basu,Mr. Neeraj Swaroop, Additional Director,Mr. Murali Natrajan, Additional Director, Mr. D C Anjaria – Director, Mr. P. Sanyal

PFB

1. Name as mentioned on the application form :- Chandan Prasad
2. Address:- WZ- 906, Street No. 15, Guru Nanak Nagar New Delhi-110018
3. Date of Birth.:- 16/04/1988
4. Date on which the application was submitted :- 14/04/13 & 14/05/13 & 22/06/13
5. Place where the application was submitted:- At home Executive name:- Rahul (Contact No, [protected]), Amit ([protected])
6. Your latest contact numbers:- [protected]
7. Application reference number ( if any ):- GFJ6333BNP01 , GGT3810XMP01
8. Executive name and contact number to whom the application was submitted. Rahul (Contact No, [protected]), Amit ([protected]),
Caller Name:- Kalpna[protected] & Sindhu [protected]

Sir
1. I am a holder of Standard charterd credit card No [protected].
2. around 15 th Jan 13 ,i took an inerest free loan of Rs 62000 for 3 months , processing fee Rs 1240.
3. By Apr 8 th , i have already repaid Rs 63800 against above loan on the above card.
4. The bank is constantly harrasing me by demding additional amount against card No [protected] , which nether i have been issued nor used . They are linking it with card no [protected]

Std Chart Bank after permitting to OVER DRAW the credit limit, imposes a OVER DRAW FEES of min Rs. 500/- on the credit card holders. Other Banks have a mechanism to inform the credit card holders, when they are close to the sanctioned limit.

SCB permits to over draw and then impose a penalty on the gulliable customers, which nothing but LOOTING the customers. When the availed limit is close to the sanctioned limit and in case the limit is over drawn, the transaction SHOULD GET DECLINED. But SCB happily permits to over draw, so that they can charge Over Draw Limit Fees.

Hi, This is a complaint against Standard Chartered Manhattan Platinum card. My card was blocked due to an internal mismatch of book records within Standard Chartered (which I was notifying them for 6-7 months). When I asked to remove the block access, they asked me to pay a nominal 38 paise (yes, you heard it right) to settle the accounts. I paid the amount and waited for the unblock. Then, I was told that I need to send an application for the same. A month after sending the application (Ref. No. 05/13/053143/SP/CRD), I get a reply saying sorry we cannot unblock your card. All my savings and bonus points captured through my purchases over 1 year period is all gone now.

My question is:
1. How can they not work when a customer in informing them about the mismatch but only go with an easy option of blocking the card?
2. They never informed about the blockage of card. How embarrassed would you feel if your card is returned back from merchant owing to blockage?
3. No clear guidelines on card blockage removal. When they asked me to pay money (38 paise), then it should have been unblocked. A simple mail that says "Sorry, we can't do it" is not good enough.

Only if I had some power to catch hold of the accounts team, I would surely bring them to consumer court for these hassles.

Dear ,
I am having credit card from standard chartered credit card from June'12 onwards ..Initially i used this card for Petrol filling and monthly bill was very small and paid every month and regularly got bills at home ..In Nov i used credit card to purchase laptop for 25 k and converted it to EMI ..
After that i didn't got any bills at home ..Due date for every month is 26 th and i will pay on 2 nd of every month after getting salary..
I received only SMS from them saying card 1629 is due ..no amount details ..After 6 months i paid total 27 k and checked with they said ..
we need to pay against another account number and additionally 10 k need to pay to close due ..shocked and asked ..they told bills are sent to e mail address ..i told nothing avl in mail then they address is wrongly updated in back up and after that sent it in correct id..New emi account need to pay details not shared and they will tranfer the payment from my credit card to emi account on 15 th and they charged additional late fee charges ..Whenever we called them no response and poor response to mail request.I gave all the details of payment made on date wise ..but no proper response from their side .Finally to close my account i checked the amount due in online and paid the full amount..Again after that they are saying late fee charges are added and need to pay 200 more to close account ..Requested many times i paid due earlier ..but no reply ..My credit card number :[protected] ..Really still dont know how to close ..if any knows pls help..

Let me warn all user who are using or planning to get Standard Chartered Credit Card, that my credit card was compromised on 30th March, 2013. There were multiple international transaction that happened on my card, of which one transaction of Rs 59, 000/- went through. Though the transaction was reversed by merchant but bank has charged mark up fee of Rs. 2606/- on my credit card for which I am still fighting with the Bank for reversal. Guys, their would be many people like me who are being harassed by Standard Chartered for Late Payment fees and Interest charges that are being levied every month. So, please be careful on choosing Standard Chartered Credit Card, their security database is being compromised. Choose Well..

Hi,

This is Gopi Krishna Bandi, I had a Barclays personal loan with the loan account number: LC[protected]. This is migrated to Standard charted bank from Barclays. and Standard Charted bank loan account number is 49493485.
I had already closed this loan last month but still EMI of amount Rs. 14659 is deducted as ECS from my ING Vysya account.
This should not be done.

I didn't received any updates on the mail sent on Jul 3rd to both Barclays and SCB customer cares on Barclaysfinance Customerservice <barclaysfinance.[protected]@barclays.com>,
customer.[protected]@sc.com
I have all proofs like DD number, Courier details, the courier status and the confirmation of amount recieved mail from Barclays customer care.

When I visited SCB, Kalyani Nagar they are saying that the system is not updated with the loan closure, is that my problem? Rs 14659 is not a small amount. I have my difficulties to manage this amount. I want reply immediately from them and also I want my money back with interest for the period the amount deducted from my account.

Thanks,
Gopi Krishna Bandi,
[protected]

Hello,


SCB Bank has provided some information to CIBIL for my Account, When I am asking the bank for the details of Card number, So far i know I do not have any such card and outstanding from SCB Bank. I had one credit card which is appearing with another account number and I am okay with that, Company is also able to provide data for second account. However, when I contacted SCB bank to know more about the outstanding balance, Card number etc they are not able to provide data and asking me to contact customer care, customer care representative is again asking for my Card number which I dont have and this is what my query is.


I have lodged a compained to CIBIL, but the response is very very strage as it showin Account transferred from SCB to ABN Amro to RBS. I am not able to understand what all they are showing in my account.

Thanks,

Jitendra Kumar

Be aware before using Standard Chartered Credit Card! They are not at all efficient in resolving unfortunate complaints. They will play Ball Game with you causing frustration.


SCB Card Services,

I deeply regret to inform that apart from being regular follow-ups and in spite of submitting Dispute Declaration Form several times wiz Physical Copy, Scanned Copy, FAX the disputed transaction has not yet been...

Standard Chartered is the Worst bank I have ever dealt with. Service is very bad. No, response & fake commitments are the policies of this bank.

I had applied for Manhattan credit card by seeing the credit limit & other terms and conditions, I feel cheated.
I ve been given a credit limit of only Rs. 27000 whereas I was told 3 lacs to 7 lacs. I was told that it is lifetime free card but there are charges of 999 after 2 years. There is no benefits on dinning n movies mentioned I was told. So, I decided to get it terminated without using even once.

I called the customer card no but couldn't connect to anybody there. I also called Mr.Daksh Mittal who approached me on behalf of SCB credit card team. He was from third party & his contact no. is [protected]. When I told my greviences to him, he disconnected the call n stopped picking up my call.

I have already sent them few mails on 15th june 2013 at principal.[protected]@sc.com,head.[protected]@manhattan.co.in,[protected]@manhat...⇄ but nothing has been done till now. After that I have sent them 2 more reminders but they didn't turn back. I am user of ICICI Credit Card & fully satisfy by their services.

I request Indian Consumer Forum to help me in disconnecting this card. thanks

Yours Faithfully
Rishabh Chugh
[protected]
[protected]@yahoo.com
Delhi

Hi,

I have been using SC CC for last 3 years. Last month after receiving the annual statement I received an email saying your billing cycle has been changed and we will intimate you for your new cycle soon. Due to this I didn’t made any payment as Standard chartered bank will inform for the new billing cycle. Also I didn’t receive any intimation for my bill due on 15th May. I have activated SMS alert and email for the same. Last month I haven’t received any intimation of my bill due date.

This is a wrong communication done by standard chartered by sending an email after the statement saying your cycle has been changed and we will inform you for the new cycle. Also standard chartered guys didn’t inform about the due date of my credit via SMS or Email. Standard Chartered has been doing regularly as I have registered for SMS alert. Today when I called to know my new cycle bank inform that my bill has been overdue.

Due to this my statement has been overdue and my Credit history has been affected. Also you bank has charged me interest and late payment charges. This is not fair from the customers point of view. Every time bank have been informing me for my due date via mobile and email and suddenly no SMS alert and no Email alert is not accepted.

Regards,
Vivek Bhimrajka
[protected]

Standard Chartered credit card company has been over billing me for past 6 months after a fraud transaction on my credit card. I had blocked the card within 30 mins of the fraud transaction and was issued a new credit card thereafter. Standard chartered is completely aware of this and has promised to resolve after a dispute form is raised and remove from my billing. I have sent them the dispute form in January 2013 and followed up thereafter. They said they did not recieve and hence I resent in April 2013. Still, every month I am being charged the amount and interest on my bill. Infact every month they apologise and confirm it will be resolved next month but that never happens and the interest is being charged to me every month. They have an SLA to resolve disputes within 45 days however it has been 80+ days since I have sent the form (second time) and I have not heard from them. They also promise to reverse the interest and inform me via sms / phone but that never happens. Basically they are not bothered about my complaint and are going on charging me for an unresolved matter from their end. The amount disputed is INR 14189.85 and this was charged in Great Britain Pounds on the credit card. I had the card in my possession when the transaction took place and immediately I informed them. They are being absolutely careless about this and giving false promises.

Dear Sir,

This is to request you to intervene in the captioned matter. The gist of dispute is as under and the related mails to Stan Chat Bank Customer Service is attached for your perusal:
1 I had 2 credit cards bearing no. [protected] & [protected] of SC bank with 2242 reward point to my credit at the end of Jan '13 as per screen print attached.
2 I reported loss/misplacement of card no [protected] on 15/12/12 with 1796 points to its credit, which was traced later in house itself.
3 The card was deactivated and the points forfeited and activation request on trace of card was declined.
4 On 3/4/13 an annual charge of Rs 999/-+ST debited to my other card mo. [protected] which were levied last year also but reversed on protest that the same were not told to me while buying the card due to mis-selling activity. But this time they offered a waiver of Rs 250/- only with understanding that the remaining Rs 750/- will be adjusted from the rewards points to my credit.
5 After few days, I found that the details and rewards of card no .......049 have been removed from my log in.
6 Having paid each and every penny against usage I stopped using the card no ...........628 with protest for adjustment of points 2242 to my credit in both the cards.
7 They kept on posting stereotype replies to my mails with "sorry for delay"without adjusting the poits agst charges.
8 They also levied penal intt/chags for non payment of the said Annual fee without adjusting it from points.
9 2-3 days ago they have again levied yet another penal/intt charges of 350/-+ST.
10 In the meantime I unfortunately lost/misplaced Card no ...628 also under same circumstances but the same has not been de-activated to charge intt/penalty for their own delays/ inaction in adjusting the points.

I would therefore request your honor to intervene into the matter and:
1 Arrange reversal of penal and other charges which are consequent to delay /inacvtion on their part in adjusting the annual charges agst points.
2 Activate Card no .....049 with 1796 points and if the activation is not possible , transt#fer the points to card no .....628.
3 Issue alternative card in place of Card no .....628 preferably with no charge.

An early action will be highly appreciable.

Regards

V.P.Rustagi
[protected]
[protected]
[protected]

I have queries regarding the amount of payment due on my registered stan charted credit card.What type of services they are providing to customers? I totally got frustrated.From morning I called toll free number for more than 20 times but there is no option to contact stan chart customer care executives.What I am suppose to do.If here is any query regarding loan executives are picking the call at the movement after pressing the option then why the hell there is no option to connect to executives for other queries.I need the resolution asap
CARDNo.:[protected]
Contact#: [protected]
snitin.[protected]@yahoo.com

I had been using SBC credit card since past 2010. I use it for my day to day purchasing. I was very regular in payment. I paid well before due date.
In between I had availed SBC loan on card for my personal need. EMI started. I used to made payment well before due date. Payment includes both purchaser as well as EMI. I used make single payment. There was no separate payment for purchase and EMI. But after few months later I have noticed financial charge in my statement. Immediately I have called to customer care and draw their attention on this issue. They started to claim that I have made only one payment it is meant for purchase only. Their claim continued, saying that I had not done payment for EMI. They further claimed that they have notified this in statement.
Surprising is before I used make payment altogether. Never did separate payments for purchase and EMI. But this time all of a sudden they start to claim that I had to make separate payment. I repeatedly notify them I have already made payment for total outstanding it includes both purchase and EMI. Excess amount was there in my account. I asked them to transfer it to EMI account. But they never did it. I had request to reversal of charges from my account. No action taken against my complaint. Now they charged overdue charge on financial charge keep on doing it for many months in spite of my repeated appeals.
I seriously sense fraud with this bank. Loan was taken on credit card only. Everything is related to one account. They played the game here. Created two accounts and made two separate payment option with never noticeable small note in statement. Why they have made two payment options without prior intimation. Please someone expert put light on it. Is there any RBI guideline about this?
My question was why they have not created two separate payment option soon after I had taken loan.
Now SBC recovery team is calling and asking me to make payment of around 9400/-.They are threatening me that otherwise they put my name in defaulter list in CBILL. It would seriously make injury on my credit worthiness.
I would look for expert suggestion what further action I could take on SCB bank. What could be the best possible solution to end this episode? I would like to know if anybody have faced same problem please let’s share your experience and guide me. I would like to come out from this loop.
Please share your opinion through mail also.

Kumaraswamy
[protected]@gmail.com

I WAS ISSUED A STANDARD CHARTERED BANK CREDIT CARD IN COLLABORATION WITH BAJAJ FINSERV SOME 6 MONTHS BACK. IT SHOULD KINDLY BE NOTED THAT IT WASN'T AN INITIATIVE TAKEN ON MY PART BUT ONLY AFTER REPETITIVE CALLS AND PERSUASIONS I AGREED TO HAVE THIS CREDIT CARD (NO: [protected]).
AT THE TIME OF ISSUING IT I WAS ASSURED OF FAIR DEALINGS AND TRANSPARENCY , BUT TO MY DISMAY IT HAS TURNED OUT TO BE FULL OF CHEATING AND HIDDEN COSTS . I HAVE BEEN FACING THE FOLLOWING PROBLEMS:

1. NO STATEMENT HAS BEEN SENT TO ME FOR THE LAST 5 MONTHS ( NEITHER BY PAPER NOR BY E MAIL) , EVEN AFTER MAKING SEVERAL REQUESTS . EVERY TIME I CALL THE HELPLINE I AM TOLD THAT I WOULD BE GETTING IT IN THE NEXT 30 MIN, WHICH NEVER CAME.

2. SINCE I AM DEVOID OF ANY STATEMENT, I AM NOT AWARE OF THE TRANSACTIONS I HAVE MADE AND THE DATE OF MAKING THE PAYMENT ALSO MISSES OUT , THEN I AM GETTING THE CALLS FROM THE RECOVERY DEPARTMENT ASKING FOR THE SWELLING LATE PAYMENT CHARGES AND OTHER SURCHARGES.

3. I PURCHASED AN APPLE I-PHONE SIX MONTHS BACK AND I HAVE BEEN DEPOSITING THE EMI OF AROUND 7500/ ALMOST REGULARLY AND TILL DATE I HAVE DEPOSITED 5 EMIS AND ONLY ONE IS LEFT BUT WHEN I CALL THE HELPLINE , THEY HAVE NO IDEA WHETHER I HAVE MADE ANY PAYMENT OR NOT, ALTHOUGH I HAVE GOT THE RECORD OF 5 RECIEPTS DEPOSITED IN CASH.

THE BANK IS NOT PAYING ANY ATTENTION TO THE FRUSTRATION OF THE CUSTOMER, SO I HAVE DECIDED TO TAKE THIS MATTER TO CONSUMER COURT AND SINCE I AM NOT AWARE ABOUT WHAT CHARGES HAVE BEEN ACCUMULATING ON MY CARD, FOR NO FAULT OF MINE , I WANT FAIR PAYMENT AND WANT CLEAR CUT STATEMENTS FOR 5 MONTHS . MOREOVER , I WONT BE PAYING ANY LATE PAYMENT, OVERDUE OR ANY SURCHARGE , COME WHAT MAY, SINCE ITS NOT MY FAULT BUT THE BANK'S.

WAITING FOR A HASTY REPLY FROM ALL CONCERNED

VIKRAM ARORA

( EMAIL: vikramsir.[protected]@gmail.com)

phone : [protected]

I have two cards withe Standard Chartered, one Platinum and one Titanium Credit Card withe all dues cleared on time so far for start

I would like to lodge an complaint against thee A4 Interest Amount charged on my titanium credit card on current month statement.

*** The A4 Interest can only be charged on thee outstanding amount if I have had any outstanding amount due from thee last outstanding amount after...