Standard Chartered Bank — Harassment due to unnecessary payment calls

Dear Sirs,

I hold a credit card from Standard Chartered bank. Some time back I used the card for a single transaction which I converted to EMIs for easy payment options. However, Standard chartered opened an EMI account which is not even inked to my Credit card. So generally when we use our card and split the payments in an EMI form, it is only the card account that we have to pay up and through which the EMI payments are settled. However, these are the concerns that I faced from Standard Chartered and I am still facing some of them:

1- Wrongful SMSes about the due amount. I kept receiving wrong payment amount due reminders from StanC which I kept paying and the bank happily kept charging finance charges on it.
2- I realised this and then I started dying up my card (till this time, I had no information about the EMI account being there, as I was under the impression that if I pay my credit card account, EMI will automatically be deducted.) I paid the card well due in time so that the EMI is settled well in due time. However, I realised that I still key getting calls. Then it was explained to me that an EMI account is separate. Note, that the bank had not told me about this till now and was happily enjoying to levy finance charges. Then I tried to contact the customer care but due to COVID there operations were limited and after 3 calls of approx 45 mins each I was unable to get to a customer care.

Then I received a collections call again and I requested the person (who was very rude by the way) to check the details after which I received another call. In that call it was confirmed that a credit amount was on credit card and the amount for EMI will be deducted from that in subsequent months as well. However, it was still not effected. Now, this has become a routine from the bank, This is even the case after I have requested the customer care through the online portal. They are very happily levying the charges.

This is becoming a harassment and is a mental torture even after having such a good credit history.

I request you to look into the matter and take necessary actions against these illogical actions. I also request you to consider my finance charges to be reversed and a compensation from the bank for this mental torture that I face everyday even after paying the money on time.

During today's age of fast transactions and ease of paying the bills, the bank wants a customer to go through the longer and painful processes. how is that justified?