Myself Atul Kumar Singhal & I am using the Credit Card of SBI, My card No. is [protected]. Before some time I have purchased a mobile phone of Sony from online site of INDIA TIMES SHOPPING through the card of SBI, they told me that your payment cut buy the credit card in EMI Mode, but the payment debit by the company in one time, & SBI charged me the late fee or other due charges, kindly help me!!!
I want to give the whole balance amount of mine.
Atul Kumar Singhal
[protected]
Aug 14, 2020
Complaint marked as Resolved
I have been paying my minimum due for the card on every month payment due date.
Since I had changed my address, I have not been receiving my physical statement for the past few months. But I used to get SMS about my current balance and due amount.
As on 17th January 2010, I got a message says that I have current balance amount of 63, 663, 53 and due amount is 37, 166.75, I was really shocked after seeing this message why because I have not been using my card for the past three months and I am paying my due amount only. Last monthly, I got SMS says that I have the current balance of around 30, 000 and due amount is around 7, 000. I paid Rs.10, 000 in January 1st week.
After receiving the SMS, I had called the customer care and raised the complaint about this issue and also asked for physical statement. I had received my physical statement, In the statement, the amount of 38, 749.88 had been debited in my card as ‘Loan Plan Debit with EMI Paid’ but I had never asked for any loan in my credit card. Without my knowledge and request how the loan plan got activated and get debited from my card. I would like to know the clear explanation for this issue.
Kindly check the details and resolve my issue. Also my credit limit is 30, 000, I had utilized my credit limit fully, But how the bank can provide me the loan with EMI option for the card which does not have OTB(open To Buy) and that without the customer knowledge & Request.
I had been charged with many fee because of this loan option.