I have appended a email complaint sent to
SBI Cards which explicitly shows the irresponsiveness and worse customer service provided by
State Bank of India. We need to take action immediatly through consumer redressal forum / consumer court.
email follows..
Hello Sir / Madam
Referring to my
SBI credit card, I want to escalate an serious issue for your immediate attention.
I am the prompt payer right from the first day of signing the
SBI card and but totally dissatisfied with
SBI card due to recent worse experiences with SBI.
Dues
Nov '07 - 14098
Dec '07 - 4100
I have made the over payment of 16000 for Nov and made the payment of 2200 on 1st Dec towards my Dec dues.
As my above overpayment for Nov should be adjusted with Dec statement, I have made the only difference amount of 2200 for Dec which would obviously close the dues for Dec statement.
Later late charges has been levied and I came to know that I should pay the EMI for the loan every month and over payment will not be adjusted with EMI. This was really a eye opener for me only at the time of enquiring and I was not appropriately educated regarding this. I raised up the complaint with the customer care and they agreed and reversed the late fee levied by seeing my credit worthiness and track record. I really appreciated that.
Hence, there was no due for Dec '07 statement as my complaint was registered as non issue on me. (Ref: Complaint no: MQ[protected]
But for the last two days, am getting calls from Chennai collections team torchering me for the Dec '07 payment???? I wish to highlight that they doesn't know how to speak with customers and demanding for payment in unprofessional, unethical local language that leads to reputational loss for
SBI Bank and Card. This is very seriously hurting customers, that too, genuine customers. Am I a defaulter? can you show me any proof for that? Shall I take this up with
Reserve bank of India or appelate authority to the highest level possible? Can you please answer why i am getting torchering calls demanding the payment though you have the credit balance of Rs.. 100 per the december statement? Don't you know the RBI rules of dealing with genuine customers????
I know the level of respect you provide to defaulters. I have seen few letters of SBI sent to defaulters of my previous tenant waiving all 20000 rupees of late charges accumulated for more than a year and asking only for the exact spending of Rs. 3000 made by the defaulter??
But as a prompt payer, you are torchering and killing ME? IS THIS FAIR???????
I have made lot of complaints to customer care stating this above chaser calls on 3rd, 4th and 5th Jan and as of now there was no solution.
Ref: Complaint No:[protected]
I am totatally disturbed, hurted, annoyed due to the services of SBI and I demand a compensation for that.
I want an immediate explanation and compensation failing which I may take this issue to highest level possible with consumer protection council or equivalent Ombudsman / redressal forums authorised by RBI.
I want to close all payments and terminate the
SBI card services.. pls assist me in this regard.
regards,
Subramanian R
![State Bank of India [SBI] Logo](/thumb.php?bname=1&src=state-bank-of-india.jpg&wmax=280&hmax=280&quality=90&nocrop=1 "State Bank of India [SBI] Logo")
SBI Credit Card — HARRASMENT AND CHEATING
A lady from SBI Credit Cards had called me in July/Aug 10 and told me that I have been selected as a Privilege Customer of SBI for my good records with them and so they are offering me there Privilege Circle Pro gramme wherein they would give me a Holiday Stay Gift Voucher, A Wrist Watch, and a one side Air Travel Ticket for one person by paying Rs.6000/- against the scheme amount of more then Rs.40000/- and I had the say yes immediately even without thinking or asking further about it .When I told her to send me the details on my e-mail or by post she said it is not possible and sent me the same and sent me the kit.
When I went through the scheme I found that it was not possible for me to avail the same and then I called up SBI Customer Care and told that I do not want the offer and kindly cancel the same immediately and asked her the process for sending back the Kit sent to me. On this, she talked with someone keeping me on hold and said it would be possible to do so and I would get my money deducting some amount as in the due course as per my regular payment schedule had made the payment for the scheme too.
She further said that someone from the said dept. would also talk to me and would guide me how to proceed further.
A phone call came at an evening time after few days when I was busy with one of my client and came out and had a talk with the person but, to my surprise I was shocked to hear from the lady on the other side talking to me arrogantly and telling me that the plan can not be cancelled at any cost and I would not get my money back at any cost.
So, I wrote an e-mail and sent a letter to the customer care dept. and even wrote to the VP Ms Ddhody of that dept. about the same.
I got an e-mail from the VP instructing me to send back the Kit with me to one Mr.Saurabh of Plate5 Consultancy Services at New Delhi and e-mail or talk to him too. On this I sent the mail and even tried to talk with the person I was not able to talk so I again sent an e-mail informing about the matter and sent back the kit in Nov.10 the deadline as mentioned on the voucher sent to me for booking. The same was even informed to the concerned persons like the Chief Marketing Officer, Mr. Manish Jain, the customer care dept., Plate5 Consultancy Services, VP Customer Services, Manager Customer Services but, till date the things are not resolved.
One day I got a phone call from a gentlemen inquiring about the issue and I thought now my issue would be resolved but again to my surprise he told me that the plan cannot be cancelled and I would have to forget my paid money in any circumstances and when I told him that it the SBI can not force me to avail the offer if do not want then also he told me the same thing.
Then when I received my next a/c statement for my Purchase transactions made I found that the billing amount was also near to my paid amount so I then blocked their payment too.
Now, they are calling me for making their outstanding bill payment repeatedly at odd times and writing me threatening letters about spoiling my name credit record with CBIL and take legal action if amount not paid. When I told them to resolve my issue and make my due payment they do not respond and for their payment they make so much follow up right from local (Vadodara) person to the person sitting at H.O in Delhi.
I repeatedly told each and every person who called me for the payment about resolving this matter at the earliest but, none of them has even bothered to look in to the customer’s point of view for resolving. They just want to enforce their scheme compulsorily on me even when I do not want their offer. This is something very hurting that an organization like SBI who has an very high re pot in the market as a biggest financial sector and dealing like this and that too with a client to whom they call a PRIVILEGE CLIENT.
This is absolutely an Harassment and Cheating to its Privilege Client as they call
Please help me out as I do not have any other options other than yours as I am always in tension because of this issue as such thing has never ever happened in my life and have lost many things due to their MENTAL TOURCHER by calling me and not responding to my request at any level.
Kindly Help.
Any more information in detail needed am ready to do so.
Thanking you and await for a positive solutions.
Regards
Rajendra Adya
[protected]