My two battles,Caution for credit card users
First read the final letter of apology from SBI
My first case against SBI cards.read few letters from the end
07 Feb 2011
Dear Mr. Bunibroto Dasgupta,
Thank you for writing to SBI Cards.
This is with reference to your communication dated Feb 5 2011 4:06PM.
No Due Related: We wish to inform you that as on date, your account stands inactive for usage.
Please note that, as on date there are no dues payable to us.
Apology: We truly value you as our privileged customer and regret the inconvenience cause to you in the matter address to us. Please accept our sincere apologies for any inconvenience caused to you and for your displeasure whilst you felt our service levels did not meet your expectations. We solicit your continued patronage to our services.
We regret that your issues were not adequately and promptly responded in the past. Please accept our sincere apologies for any inconvenience caused to you.
At the outset, we regret for the inconvenience that may have been caused to you regarding the matter addressed to us.
Our stand on the issues raised by you is already submitted.
Yours sincerely,
Nandakumar.H - Customer Service
It did not come easily I had give SBi a reminder for clear apology of February 5
Dear Mr.Nandakumar,
It is rather surprising despite of 2 apology letter for delay from your end you have not replied yet.Today is exactly one month of my complaint of 2011 against shameful & fraudulent service from your office for last five years.
I am more surprised to hear that you have sent sms on 29.1 at 6.31 pm in my old official mobile number which reads "Dear Customer,please be informed that your card account has been closed and there are no dues payable to us".It surely shows that you have acknowledged your mistake but scared to give in writing that you have heckled your customer all these days.
In that case of negligence I will like to know what action you have taken against your personnel at 033 32917059,who presented himself as Rupam Roy. If you do not punish your officers and staff for their act it will show that you reward your people who harass your customers.
I am looking forward to your apology letter at earliest.
Thanking you,
Banibrata Dasgupta
Now read my complain against SBI.I sent copy of the letter to RBI as well as consumer grievance
Dear Mr.Ajay Bharti,
AVP, SBI Cards
It is the New Year which spreading waves all over the world. My
communication with you is continuing since May 2007.
Most humbly I would like to introduce myself as a marketing
professional worked for various corporate houses. I work as Regional
Manager & hundreds of young boys work under me. I have to offer
services to many elite clients and have to keep proper records of each
transaction. With this background, I got very surprised by the level
of ambiguities in services offered to me by your esteemed house.
My association with your organization was only for one year. Because
of various reasons, including that of non-receipt of any bill in my
residence, I wrote to you several times. First letter was dated 17th
May, 2007. Unfortunately I got a peculiar reply from your office that
duplicate bills will cost Rs.100 extra. I wrote to you that I am
having gold card of other bank, whose bills I receive very regularly
through post as well as by email. It is impossible that you have sent
it & I have not received. And the fact is that despite your written
promise via email that you would send bills by email from that time,
no such promises kept!
When I requested to show records of dispatch of bills by post, I was
told that you did not have such records with you! Had it been my
company, I would have called this kind of activity as ‘cheating the
customers’.
I received a letter from you on 20.5.2007 (head.sbi@ge.com ) that you
would send bills in my email and previous not-dispatched bills would
also be sent. There was no response as usual till 25th of May and so
getting dejected by you service, I wrote to you that I am stopping
using your card & requested to block service of the card. When I
received no response again I wrote to you on 28.5.2007 to stop
service.
THIS LETTER IS ENCLOSED FOR YOUR REFERENCE. I can provide you other
proofs as well when required. But if you accept it as a ‘near fatal
error’ from your side, hope there will remain no reason among us for
fighting. Now, again note the illegal harassments done by your office
chronologically from that period:
• I got a call that I had been sanctioned a loan of Rs. 51,000 (even
when the previous reply was not received)
• I DID NOT RECEIVE ANY AMOUNT FROM YOUR SIDE, but your people sent me
sms for repayment. Should I call them ‘unscrupulous’?
• Again, however, no bill was received.
• When I complained through letter on 7.9.2007, which copies were also
sent to the Ministry as well as to grievance cell of Reserve Bank of
India, you were forced to withdraw your fictitious claim.
• Having such wonderful history of working with you, I was forced to
discontinue the use of the SBI credit card of yours. Bills were
continued to be elusive but my request of terminating service of my card remained ignored. After forcefully getting cleared from you loan
trap, I got sms that I have made excess payment which would be
reverted back to me. I did not understand that it was also a
thoughtful game plan from your side, since you were not sending your
bills so long. The declaration came by sms and so I do not have hard
copy. Without waiting for your reversal, I spent that amount (a little
less) at Reliance webworld. Even a small amount is still to be
received by me.
From the next month your office started calling me that I still had
dues to your company accounts of the amount I paid to Reliance
webworld. I told them that according to instruction to AVP dated
25.5.07, the letter enclosed, I had stopped using your card. I had
only recovered excess payment of around Rs.500. Since your telecallers
did not have any record of customers, they could not show even valid
reason or documents from you. More surprisingly despite my declaration
to stop my service and ongoing payment dispute, a new card arrived in
2009! It shows blatant fallacy of your service. On one hand you say
that you send bills, which could not be traced on the other hand you
send new card despite of stoppage request. Then no postal problem
occurs. Inspite of having new card I stuck to my policy of not using
that card.
Meanwhile, I changed my profession as well. My mobile as well as
telephone were handed over to previous employer. But still message of
faulty bills and thousand of phone calls continued to come to those
numbers. I wonder how such poor people get work in your office who
does not know either the name of the customer (even), or the history
of the customers. Even the kind of language they use in those numbers,
as I am informed, if their parents hear they will feel ashamed. They
call from number 033 32917059. Person who calls regularly is told to
have named as Rupam Roy. Though I am no sure who does not know
history of customer, is bold enough to give his name correctly.
I am sending copy of my complaint letter to concerned Ministry,
National Consumer Disputes Redressal Commission & to RBI.
If no positive action is taken immediately, I shall be reluctantly
compelled to bring defamation suit against all the Management of State
Bank of India.
I hope you send a letter of apology and stop the illegal harassment
over phone immediately.
Thanking you in response to your quick action.
(BANIBRATA DASGUPTA)
Now my latest case against another bank
I am intentionally avoiding the name of the bank as they have corrected themselves correctly
Dear Mr. Dasgupta,
Thank you for writing to us.
This is with reference to your email regarding certain reservation towards the charges debited to your card account.
We are pleased to inform you that in appreciation of your valued relationship with the bank, we have reversed the late fee and finance charges of Rs 831.6 plus service tax billed in your Sep Oct and Nov month statements. The relevant credit for the same would reflect in your subsequent statement.
We trust the above information clarifies to your satisfaction.
Regards,
---------------------------
Customer Service Officer
Dear friend,
I am continuing with your bank credit card for several years.I am sure if you maintain records I have ill habit of paying all dues monthly in full and so gradually you have upgraded my card and credit limit. My card no. is *********************. It is surprising that my bill was to be paid on 26.9.Cheque was deposited on 25.9 in the very early morning at ATM stores at Exide,Rabindra Sadan Crossing.Your branch is just beside the ATM and it generally clears on the same day as I always drop in very early hours. This time not only I found it is not cleared on time but it was cleared on 7.10.11.Asusual your clerical persons added some financial charges and sent and inflated bill .I restricted myself making any complaint,seeing this as an exception.Next due date was 26.10.Since I had to leave for Mumbai I dropped Cheque in your BBD Bag ATM which is nearest to your Kolkata HO.The cheque was dropped on early hours of 21.10,on the due date of 26.10.Suprisingly that cheque was also not cleared and again inflated bill came next month..Finally the cheque submitted on 21.10 is cleared on 11.11 from my bank. I am surprised what kind of work culture your company is indulging recently. Due to you fault you are charging wrong amount to the customers. Most importantly I had received call for extending my credit limit on 12.11 at 15.30 from no.044#########.Not only they had any any news about the latest payment,neither they were willing to hear my problem even. I am sure there is something very wrong in your office.If it is not addressed immediately many customers like me may leave.
I would request you to remove all inflated amounts you have added in last 3 bills due to your problem.
Looking forward to your action quickly.
Thanking you,
Banibrata Dasgupta
So I will request my friends to be careful earful and not tobe bowed down by telephone calls.If you are vigilant they will never be able to fool you.