[Resolved]  Standard Chartered Bank Credit Card — False allegations of Dispatch & Receipt and deduction of Rs 842.70

Address:

Kolkata, West Bengal

Standard Chartered Credit Card Department

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

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


Reminder No -2
Dear Sir,

This has reference to SMS received from DZ-FROMSC

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

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

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

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

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

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

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

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

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

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

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

Yours truly,
Bhupendra Singh Taragi


Yours truly,
Bhupendra Singh Taragi


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

Dear Mr. Bhattacharyya,

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

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

Yours truly,
Bhupendra Singh Taragi


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


Dear Mr Bhattacharyya,

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

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

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

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

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

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

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

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

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

Yours truly,
Bhupendra Singh Taragi


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

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

Thanks & Regards

Sourav

Sourav Bhattacharyya
VN-23007

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

Dear Sir,

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

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

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

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

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

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

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

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

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

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

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

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

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

Yours truly,
Bhupendra Singh Taragi

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


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

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

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

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

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

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

Yours truly,
Bhupendra Singh Taragi


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

Ref : 01/14/010244/SP/CRD

Dear Mr. Taragi,

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

Please permit us to clarify the issues raised by you.

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

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

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

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

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

Assuring you of our best services always,

Yours sincerely,

On behalf of Standard Chartered Bank

Lakshmi L
Officer - Customer Care

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

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


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

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

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

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

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

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

Yours truly,
Bhupendra Singh Taragi


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

Dear Madam,


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

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


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


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

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

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


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

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

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


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


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

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

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

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


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


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

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


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


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


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


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


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


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


Yours truly,
Bhupendra Singh Taragi