Standard Chartered Bank Complaints & Reviews

My name is Nayan Malik and I stay In Ahmedabad. I have salary account in Standard Chartered Bank at Ahmedabad. On 5th March 2010 I had withdrawn 10000 Rs from my account by using ATM o[censored]nion Bank Of India at Sabarmati, Ahmedabad, but the amount was deducted from my account and the cash did not came out from the ATM Machine. I immediately called up the Standard Chartered bank helpline about the same and they told me that if the cash is not withdrawn then it would be credited back into your account within 24 hours . The next day morning I informed about the same in Union Bank of India Branch also from where I have done the transaction as the ATM and the branch are at one place only. I have given a written complain in Standard Chartered Bank also about the same and I was told that within 21 days you will get the money. But still inspite of 2 months have gone I have yet not recvd the money and I have given all the details asked by the bank. Request to help in this matter.

I had cacelled my credit card of Standard Chartered Bank in 1997 and submitted it along with last payment. I tried for loan and learnt from various service providered that my status with CIBIL in not clear because of the above. I request CIBIL to get me details of pending payment with the bank along with description of the pending dues. This will be highly appreciated and helpful.

Thank you,

Indu Malhotrabr...

Dear Sir,

I opened a 3 in 1 A/c with Standard Chartered Bank..AS per the terms , I will be getting a Zero Balance SB Account, a Demat A/c and an Online Trading Account...I had called the customer care and a marketing officer came to me with all the forms ...I had always insisted on a 3 in 1 account...At the time of signing , I relied on the Marketing guy and signed at the relevant spaces.

I got a shock when I saw a debit of rs 1654 on 05-05-10 ..On enquiring I came to know this was on account of Non Maintenance of Min Bal...I told the customer care that I had opened a 3 in 1 account and so it is a zero Balance account and hence asked him to reverse the charges...He told me that in their operating System it has been opened as a Normal Account only and a Demat Account has been linked and so it is not a 3 in 1 account...I told him it is the mistake of the bank as I had asked for a 3 in 1 account only.He asked me to contact the Branch (Adyar Chennai)..There the officer asked me to send a mail to customer.[protected]@standardchartered.com...There is no response..i even filed a complaint in their website, no reply..

I do not know what i can do...For no fault on my part they have swindled Rs 1600 ...Is there any legal way out??...I dont know the exact forms signed as i relied on the marketing guy...


regards,
Vikram.R

Sir/ Madam,

I have been receiving call just few days back from a lady called Pooja from SCB regarding outstanding on credit card due from 2006.

I have no standard charted bank credit card, infact this lady had recently called and sent representative for new credit card application.

I dont understand why suddenly after 4 yrs Standard charted bank has woke up saying there is a credit card in my name which has a outstanding only after continuesly following up and asking me for applying for credit card.

In fact I have been threating calls from this lady and disturbing my mental peace.

I request for a necessary action against this.

regads

Narender

I had applied for car loan to SBI. During processing they found that an amount of Rs27213/- is written off from some credit card bank and they did not processed my loan apllication. As per their report I contacted CIBIL through email and they informed that this amount belongs to SCB(attched)

I recieved a mail from SCB stating that I do not have any outstanding payable(attached). I had credit card of SCB during 1999 to 2001 and I had paid all amount on 02.01.2001. I did not make any transaction from that period. And even did not recievd any correpondance from SCB

Sir, If I do not have any outstanding payble to SCB why they had given my name to CIBIL. Please help me in removing my name from CIBIL

Dear Sir

I have received several calls from the Standard Chartered Mumbai call center for credit cards. I have this morning received a call from Ms Jiah from landline no.[protected] . This is despite me putting myself on the DND and DNC list several times. It is a very frustrating experience and I believe as a consumer I have a right to complain on this matter. Request you to guide me further to consumer courts/other forums so that Standard Chartered can be penalized financially.

Regards
Simran

Hi,
I had taken a loan of 4.80 lac from Standard Chartered Bank in 2008. I paid my EMI of Rs.13700 regularly but in 2009 I lost my job and managed to pay the EMI using all my savings. I exhausted all my saving in paying loans and credit card bills. Then I got a job for 4 months so paid 4 EMIs to the bank. I missed 4 EMIs due job loss. Now again I am jobless since 2 months and the bank collection agents harass me. I take their just to keep them away from my house as twice they came and created a havoc. I told them I don't have job and will pay back once I get one but they wont listen. I really feel like killing myself some times. I told know what to go? Please help!

I am in great despair.

Hello,

My name is Prajakta Harmalkar. I am a Deutsche Bank Employee.

I want to bring the following to your notice, as I donot want innocent people like me to be taken for a ride.

Around a month and a half back, all the deutsche bank employees were getting calls from Standard Chartered offering a Platinum Credit Card. I got such a call on my office desk phone.
The offer looked good so I thought of going for it. I was asked to submit my payslip and address and ID proof. I had asked the person who had come to collect the documents for a receipt, to which he said that a receipt is not required and gave me the below mobile number of Mr.Rohit to follow up if required. ([protected]). Mr.Rohit was the sales person who had called me many times to sell the card.

Some people had come to my residence for ID verification etc. After that there is no communication from StanChart what so ever. Therefore on 12th April I had called up Mr.Rohit to inquire about the status of the card. He had said that the status will be communicated to me on 13th April. I received no call from him. Since I did not hear from him or the bank, I called him , but my phone calls were not answered.

I have even contacted the helpline but they just give me some email addresses to write to but no solution is provided. Therefore all I have with me now are autogenerated email responses. Below are only a few of them:
1.Auto Response from Standard Chartered Bank (KMM4529585I15977L0KM)
2.Auto Response from Standard Chartered Bank (KMM4506384I15977L0KM)
3.Auto Response from Standard Chartered Bank (KMM4505456I15977L0KM)

What sort of service is this??????? At the time of making a sales pitch such tall claims were made but whats the use!!!!!! This is highly unprofessional and unethical behaviour. I want all my documents back as I am not aware of what is happening with those.

Regards,
Prajakta Harmalkar

I had a credit card of this bank in1998 which i settled in 2002. I have the settlement letter in original from bank.In Feb,this year bank froze my bank account with the same bank & after few days debited all the balance in favor of credit card a./c.

I kept on complaining to their banglore office but they did not listen. When i threatened them that i will go to court then after facing harassment for almost 40
days,they credited my account & apologised.

During this my 2 cheques were dishonored & i had to face humiliation & it made an impact on my cerdibility in the market, Now I want to claim damages plus want to tell the people how this multinational banks operate. Please guide me.

I have received the e-statement for my bill which is due on 16th April 2010 on 28th March 2010 and come to know that there have been charges of Rs. 995.00 on account of CPP Membership. According to my understanding and the offer that was stated to me by the Customer Care/ Representative, the offer has to be firstly availed for getting the hardcopies of the scheme. As I wanted to go for the scheme but only after looking at the hardcopies of the scheme, he suggested to avail the offer and cancel if don’t require within the 30 days of availing. As the charges were debited on 5th of March 2010(reflected in statement), I called up to Customer care for getting the CPP membership cancelled as the same is not suitable. They refused to get it done as according to them freelook period already expired (i.e. on 26th March 2010). According to them 50% charges will only be refunded, whereas your representative had earlier told me that upto 6 months of membership only proportionate charges will be levied and remaining will be refunded.

I have also reported for cancellation on the very same day I got the e-statement but they say it is already 2 days past.


Post my written complain on 30th March 2010, some representatives from SCB, Gurgaon have called up. As per the request of therepresentative on 1st, 2nd and 3rd April 2010, the amount of CPP was to be fully reversed and also I will get the documents of the scheme to look upon if want to go for it. But as confirmed on 8th April by the representative on 39404444 the amount has only been reversed to the tune of 50% and the CPP has also been cancelled.

Today on 20th April, somebody called from SCB that this is what we can do you again go and complain to cardservices, which i have already done 2-3 times. Please resolve the matter, require your help.

This is regarding my account, I have faced a lot of problems since the day I started the procedure to get my salary account generated.

1. Firstly, there was a delay in getting my account generated.This should not have taken more than 10 days, but it took more than a month to get the account generated for no fault of mine ( my documents and other information was in proper order).
2. When I finally got the welcome kit my name was wrong...it was addressed to Mr. Mukhvinder Kohli instead of Ms. Mukhvinder Kohli. I have put a request regarding the same and it is yet to be processed.
3. The last straw was when I got a text msg saying that the courier carrying my ATM/Debit Card has been returned undelivered (why I don't know). I went to the bank branch in Chandigarh where as usual I got no assistance. I then called the helpline as mentioned in the text msg but I request to get the Card re-delivered was not accepted.

I have had an association with various banks both private as well as nationalized, but I must say that my experience with your bank has by far been my worst experience and I am not exaggerating !!!! Though I really want to close the account and get this mess over with, but I have no option as it is my salary account.

Do let me know how many more hassles I have to go through before getting this latest scenario sorted out.

I got a call from[protected], callers name was Sindhu. She asked me if I received a credit card from Standard chartered yet or not. When I said no, I did not receive it, she said that it was not approved because form was not filled in capital letters. I confronted her saying that I filled it properly and in capital letters and that she was lying because I got a call last week from same number by some caller whose name is Poonam and she told me that card was not approved because permanent address was not verified properly. With this, Sindhu got irritated and asked me if I have proof that I am talking truth and disconnected the call saying "Nonsense" to me.

I want to know what kind of customer service is this? This is a complete fraud, and I am going to sue you guys if it repeats. Poonam even gave me a reference number for my card application which is ccd1311vrt

I am not sure if it is a correct number or not because there is no way we can track the application status.

I have already provided proper documents to the bank and I have got verification calls from their bangalore office. Verification was already successful but I never recieved a card, its been about a month now that verification was complete. I need to know if these calls are not hoax and authentic and if they have any customer care guidelines or not. She clearly misbehaved on call and I suspect that there is no such procedure in their bank to track these calls.

Non settlement of card account, harassmant from Bank agency, exhorbitant charges levied without providing records and reconciliation, late services, intentional delay in settlement and harassment calls from [protected] to mobile and family inspite of clear complaint to not to make phone calls and inspite of several requeste to correspond over email for clarity of information.

Harassment by Bank and Recovery agents for Standard Chartered Credit Card No. [protected]

Above card is used since 1995 till 2005. Usage of the card is stopped after noticing inorbitant charges in late fees, interest and interest on charges. Bank has charged annaul fee for new gold card which was delivered after one month and the card was never used for any transaction.

Thereafter till Feb 2006 numerous complaints were made to customer care for the consolidated statements for actual card usage and the late and other charges and for reconciliation of my payments payments for settling the account. The complaint was never addressed. At this time the bank claim was about 16000 including annual fee, later charges and others. Actual usage was nil.

Feb 2006, one of the of the account manager promised to settle the card with a payment of 7037/- As annual fee for the late card delivery and subsequent late charges on the card as the card is not used transactions. Accordingly payment was made vide Jumbo Courier Co. Pvt Ltd. Receipt N. 802173 along with a hand written letter for the settlement payment and the card cancellation.

Jan 2009, Again after three years one Mr. Rathore from Delhi clamed to be Advocate of bank and his associate started calling from [protected], [protected] for payments. This time the amount claimed was about 28000 without any transactions. It was told that the case is in legal and settlement is to be made, provided me settlement letter No. NDR[protected] Dt 12.12.2008 for 7000/- . Even threatening calls to send police to home and freightening familay members was done to get this payment. Request for reconciliation statement were never addressed. Fed of the harassmane the paymend was done on 28.03.2010 and informed to both these gentlemen. After one month when did not receive any confirmation of settlemen, informed Standard Chartered Customer Care above issue and requested NOC.

In between couple of calls were addressed informing the above settlement and asked to verify from bank records.

April 15, 2010; However again after one year today received calls from [protected] claimed to be from Standard Chartered Bank. Asked the caller to send mail and stop calling. But irritating call repeated for several times and again called home phone to disturb family members inspite of repeated instructions not call home and even on intention to lodge complaint against bank for this harassment.

If the Bank provides reconciliation of transactions and records The payments to Bank definitely exceed actual usage of card for purchases and legitimate charges. Instead of providing clarity on usage the bank is intentionally keeping on charging and forcing to collect money illegally by disturbing privacy of family, using unparliamentary language, threatening calls even used.

Request committee to take up this as special case of the Bank harassment to credit card users.

Wtih best regards,

K. Bhaskara Rao

After charging much more than a normal meter, (as per the distance) and making the auto driver realize the same, he not only spoke foul language but also did'nt have change to pay me back. (The meter showed Rs 12, I gave him Rs 15, he did'nt have the change)

Autorickshaw Number was:

MH02QA9746

Travelling from Khar Station (W) to Khar (W)

while recording the change of address following mistakes are commited by the bank-
The surname of the first holder isCHATURVEDI , it is mentioned as CHATRUVEDI
THE CORRECT PIN CODE IS 700007 ,wrongly the pin code of chennai is given in the address

Hi,
4 days ago I applied for a home loand and I came to know that I have a non-payment entry against my name in CIBIL. I enquired about it and came to know that Standard Chartered had reported it against some credit card which was issued in my name in 1999. Now its been 11 years and I don't have any recollection of the card or any transactions that may've happened on it. Neither did Stan Chart try to contact me all those years. I received no phone calls, no emails and no letters in this time.

Now I want to settle the issue and have my name removed from CIBIL defaulters list but I can't seem to reach anyone in Stan Chart. I visited their branch and they said I'll have to use the phone banking. I called them up and I was asked to write a mail to card.[protected]@sc.com I wrote two mails but haven't received a response so far. Please help me here as my loan application is pending.

Thanks
Manish Jain

Hi, I had closed all my credit card accounts with SCB (Standard Charted Bank)and I was promised that everything would be closed and my name removed from CIBIL. I had 2 Credit Card ending with 7011 and 7093. I have several letters from SCB promising that there are no dues and cibil will be cleaned up 4 months ago. But no effect so far, my cibil still shows the same overdue of Rs 9307 against SCB A/c ending with 3090. I do not know where from this 3090 has come. I had made pymt of Rs 9307 dt 25/11/2009, ref no - SCB/1457/nov/2009. I want to know why my name is still apearing in cibil report despite having received no-due letters and promise to correct cibil several times from SCB for which I would have made at least 10 calls. Here are the details of letters sent to me by SCB ....

No Dues Certificate - Ref SCB/1457/Nov/2009 dt 25/11/2009, signed by one Cust Assist Mgr.
Again no due certificate for the same - Ref 12/09/048282/VL/CRD, Dt Dec 23 2009 , signed by Vijalakshmi - Cust Care officer
Again no due certificate for the same and promise to remove my name from cibil dt 12/24/2009

And all the above letters came after I blasted them over phone. But its of not use, cibil report dt 29/3/2010 still has this overdue amount against SCB Ac ending with 3090. I Do not know where from this account has been invented now. They have been very unhelping and unresponsive. Request you to kindly do the needful against them.

Hi,
On my platinum Standard Chartered credit card account no ************8460, I received only one outstanding bill exactly one month after I had applied for the card. I made the payment and after that there were some intermediate transactions, but I didnt receive any bill/neither any sms nor any call for any outstanding bill payment.Then suddenly in March , exactly after 3 months of first bill, I got a call that I have to pay 24k as outstanding. I asked the customer care to send the bills, but I got no mails.Then I again called the customer care to send me bills for jan, feb and march and I found that gross misappropriation has been carried out on the bill.From january to March, service taxes has been levied for non payment of the bill where I had never received any statement of bill for any month during the said period.I complained to the customer care and made it clear that I will only pay for the outstanding minus taxes and interests and I wont pay for any tax and interest and I made a payment of 21k as per my calculation.

Now in April month statement, again I found that the old service tax and interests have been recalculated to show a gigantic figure.

My questions for Standard Chartered Bank are very Simple :

1.Is it not the duty of the bank to inform the customer from time to time through email/sms the outstanding to be paid for the particular month?
2.Is it not surprising when the customer care does not have a clue about the outstanding when in standard chartered site, they give customer care number to clarify all doubts?
3.How can you levy charges on non payment of the bill when you have not informed the customer how much payment he has to make ?
4. Is it not duty of customer care to send bills to the customer when the customer complains about non availability of card statements.Is it duty of customer to remind the customer care time and again to send bills to his email account?
5. The customer care now says to send a mail to card.[protected]@sc.com which they could have said earlier when I complained about the fabricated outstanding bill.

I have requested standard chartered bank to reverse all taxes and interests since I had applied the card lest I will be forced to block the card and file for a consumer case.

I have received credit card linked loan under instabuy's account-classic ( A/c No. [protected]). I am holding Manhattan Credit card having account no.[protected] which was issued subsequent to receiving said loan. I have paid loan instalment to the credit of this credit card account. I have received two statements from the bank for above accounts one showing credit balance for payment made to them of Rs. 9877.39-( a/c no.[protected])...

This is in regard to the above mentioned Credit Card, which belongs to me. For the last 3-4 months I have been chasing your bank to solve the problem, which has caused me embarrassment and waste of time and energy.


To tell you the whole problem I need to start with my bill STATEMENT DATE 23rd MARCH 2009. I was traveling through the Europe during then,[protected], I had lost my hand baggage along with my passport and cell phone, along with my credit card. After couple of hrs with the help of the local authority ( Rome Central Station – Police)I manage to find my handbag and luggage. Since I had found everything in order, I checked into my hotel and went through all my stuffs. But since I had my credit card STANDARD CHARTERD EMIRATES PLATINUM, and VIJAYA BANK CREDIT CARD, I immediately called the related banks and asked them whether there has been any transaction in last 2 hrs, I did got through Standard Chartered Italian number after lot of looking around. I had to call my office as well to inform them about my Vijaya Bank card as well. So I also requested them to please put in a request for a Photo ID whenever there will be any usages on the Credit Card. Since everyone said it was in order without any usage in last 2-3 hrs, I tend to over see the matter.



When I received the relative statement I was surprised to see a transaction made on the same date of Euro 550=00 ( INR 36,293=84), I immediately called the bank and asked them about the same. I clearly explained them the whole problem and also asked them to look into the matter, since my total bill for that month was of Rs 74,704=35, I paid the balance amount of Rs 38,410=51, which was according to me was the sum for my total purchases that month.



I did informed the bank once again I spoke to some lady called Ms. Pretty , but she too said she will look into the matter and see what can be done, I request for a revised bill and she had advised me that I need to fill up a certain and send it back to them. But it’s been over 3 months, I am still waiting for that form. Finally I decided to stop making any payments, on[protected], I received a call from your office in Guragaon from Mr.Rahul, who insisted that I make the payment (minimum) as soon as possible, I explained to him the whole problem. I quote “ Sir, you please make the payment of Rs 2,520=00, moment it is reflected in your account we will WAIVE of that disputed amount ( Rs 36,293=84) from your bill”, hence someone made the payment on my behalf (receipt No. 38391 dt.[protected]. Now this was over a month, I am still waiting for that revised bill by email which Mr.Rahul has promised, and also confirmed my email address with him. But once again I was let down. Now another month passed without me making any payment, on[protected], I received a call from Mr.Vivek of your bank from the Gurgagon office, he once again repeated Mr.Rahul’s word, which was still echoing in my head. He added “ Sir, please trust me once, you make the minimum balance payment of Rs 4,120=00, we will solve your problem”, I asked him how is it possible. He passed his phone to his senior and once again I had to narrate the whole story, his reply was “ Sir, your outstanding is Rs 93,600, according to you Rs 36, 293.84 was wrongly charged to your account, so hence you can pay Rs 57,000 and settle this matter.” I requested him in written the same, he suggested I rush to the Standard Chartered Bank ( NS Road, Branch), and meet Ms.Prachi Asani, who will be able to help me out. Since I was tired of narrating the same problem over and over again on the telephone, I went down to the bank personally. On meeting her she explained me that this meeting is for SETLEMENT, I was surprised; I DON”T WANT A STELEMENT. I was very clear with Mr.Vivek about the same, but I guess instead of recovering the money the righteous way they would rather like to close the problem instead of facing the way. He called me during the meting and here again I asked him over the phone what can I do re-solve this problem and I quote “ Sir, this is the best way for out of it.” Again I insisted why should I settle the matter as a DEFAULTOR, I just want to clear the problem. I never had any problem as such with your bank, half of my family are using your credit card, so why should I be proclaimed as DEFAULTOR who decided to settle the matter.



I am feel helpless, as Mr.Vivek explained me that I have to pay just Rs 12,000 – Rs 13,000 ( Rs 45,000 usage during the 3months, settlement amount quoted to me Rs 57,000) more and I can close the matter. I quote “ You can then apply for new Standard Chartered Bank credit card”, does he take me for fool.



I am looking for a advise from you to solve this problem or else I have to take up this matter legally, I would rather spend Rs 57,000 on legal expanses then going for a settlement. So please advise, just to keep Mr.Vivek’s word, I did made the payment of Rs 4,120=00 (Dt.[protected], as he had said that after this payment will be affected someone will get back to me to resolve this problem but not to my surprise I just received another statement without any solution. If someone should follow Mr.Vievek’s advise then everyone using your card, should use the card to the full limit and then for a SETLLEMENT, ( 35 % ) and then apply for a new card, and so on carry on like that. Maybe that could be the new policy implemended by your bank, I fail to see that why would your bank would like to get rid of regular customers, specially during time of recession.

Email exchange between the bank and me :

On Mon, Dec 21, 2009 at 2:31 AM, head.service <head.[protected]@sc.com> wrote:

Ref : 12/09/041126/YAP/ESC

Dear Mr. Shamim,

This is with further to our earlier communication regarding your card
ending 5250.

As informed in our earlier correspondence vide reference number
12/09/000789/YAP/ESC dated December 10, 2009, we request you to effect
payment within seven days.

We understand that you would make a payment on December 21, 2009 to
our executive towards the outstanding in your card ending 5250.

Post realisation of the cleared funds, we would arrange to reverse the
outstanding balance to your card account.

Subsequent to the reversal, there will be no outstanding in your card
ending 5250.

Assuring you of our best services always,

Yours sincerely,


Balu Jayaraman

Dear Mr. Jayraman

Its funny that I get a conformation email within a couple of seconds, but I still haven't received reply to my email in last 20 days.

Whereas it use to not take you more then 10 mins to send me an email regarding the payment as Mr.Sunil Gond's request but its taking you more then 20 days to reply to my email.

I hope to receive a reply from you by this year end.

Best regards,
Nooman Shamim

+[protected]
[protected] Forwarded message[protected]
From: Nooman <[protected]@gmail.com>
Date: Fri, Jan 1, 2010 at 3:14 AM
Subject: Re: At your service Your Right Partner Standard Chartered Bank (KMM3632529I15977L0KM)
To: "head.service" <head.[protected]@sc.com>
Cc: Customer.[protected]@sc.com


Dear Mr. Jayaraman,

As per your Letter No.12/09/000789/YAP/ESC dated December 10, 2009 and your email Dated December 21,2009 I had affected the payment of Rs 43,000 against Card Ending 5250 and Rs 6,600 against Card Ending 8052.

As per my various communication with your executive in Kolkata Mr. Sunil Gond[protected] during that period he assured me that once the payments will be affected I will receive my Credit Card Statement within 7 days with "no outstanding".

I think you are already aware of all the problem arrised due to the "Disputed Amount" of Rs 36,293.84 transaction date 09-03-09, all the interest fees and late payment charges accumulated due to that. You must be having the copies of all the email I had sent along during that period so I need not further explain myself.

Before Mr.Sunil Gond had arrived to this solution of paying of Rs 43,000 and Rs 6,600 subsequently all these problems will be taken care off, but I guess I shouldn't trusted your executive and taken his word for granted. Neither should I have taken your letter for granted.

But to my surprise I had just received my Credit Card Statement dated December 23, 2009 with no such solution. I had just called the Customer care as well, spoke to a Ms. Rohini she said that she will speak to concerned department and will get back to me within 3 days.

Waiting for your earnest reply.

Best regards,

Nooman Shamim