Sbi is the biggest cheater in this country. I never thought of having a SBI card, but the agent almost begged me to have one. He promised me that I wont BE charged any annual fees for this card. I would get 3 months intrest free period to make any payment for the purchases made and no other charges at all. I did the gratest blunder of my life, I trusted him and applied for a card.
Till I received the card I came to know that SBI is a cheater from others, so I rejected the card, again the person who had book the card approached me and begged me to activate it, and I did the second gratest blunder of my life. The very first statement I received was the statement-dated 16.08.2005 which was the initial statement in which there were insurance charges and an annual fee.
The second statement, which I received, was of 16.10.2005. In this statement I was charged cash fees, late payment fees, finance charges & insurance charges. I was not aware of these charges, because the executive who booked my card had told me only about the insurance charges and nothing else. When I talked to the customer care about these charges, I came to know that these charges are applicable to me & he gave me some waiver on finance charges and late fees.
Now when I had known that this card is too expensive for me to maintain and the marketing executive who had approached has cheated me. I made a request at the same customer care to send me the statement with the waivers, as committed by him/her, the same day and I would surrender the card with my full and final payment. But in spite of numerous calls to the customer care I did not receive any statement from them.
On the other hand the executives from your Gurgaon office and Raipur office kept on calling me for the payment of minimum amount due towards the card. And I, again n again requested them to send me the statement so that I can make the payments, but in spite of commitments, none of theirofficials sent me the statement. In the mean time I made a part payment on request of one of their agents, that he would personally deliver me the statement. But than too I didn’t receive any statement.
Again their executives kept me harassing for the payments but none of them concerned to send me the statement, so that I may see what have I been charged from them. I again dropped a cheque for Rs.5000.00 [cheque no.868995] at the SBI main branch, after the same commitment from one of their executive from Gurgaon, on 05.01.2006. But due to some mishandling by the bank officials, they lost the cheque, again the person from Gurgaon called me, and said that I haven’t dropped any cheque at any drop box, I personally went to the bank 3 times to get the know-how of that cheque, but they couldn’t find that cheque. I talked to the customer care about this problem, and they instructed me to send a “stop-payment” request for the above cheque to my bank and issue a fresh cheque to SBI. I did the same, issued a fresh cheque for Rs.5000.00 [cheque no868996] and my bank passed my cheque on 19.01.2006. Now after this, SBI again presented the first cheque, which was lost by them; and my bank returned it unpaid mentioning the “stop-payment” request on 31.01.2006.
Now after all these episodes I was really harassed and tensed, so I made a call to the customer care and told them that I m not going to make any more payments till I receive my statements, after this also I received several calls for the payments but I had clearly mentioned to them that I won’t be making any blind- payments to SBI any more.
Now on 24.03.2006 an executive from your Raipur office approached me for the payment, I again requested him to get me the statement and have the payment, the same person Mr.Amit, visited my place today i.e. on 27.03.2006, with the statements. After reviewing the statements I found that I have been charged thousands of rupees as late fees, financial charges, cheque bounce charges etc.
I made a payment of Rupees Thirty Thousand towards the SBI card, as I understood that I have to make the payment for the amount I have used, this was to clear that I was really harassed & tensed, and want to get my leg out of all this. And I requested them to wave off all the charges as implied by them after the statement dated 16.10.2005, as I was always waiting for the statement since that day to make the full and final payment, and surrender the card, but I never received any statement.
After this I received the statement for the month of april2006, nothing waived, all the charges were multiplied again-n-again. I wrote 15 mails to the customer care and received replies of all the mails but none of the reply was relevent to what I asked in my mails. the replies were abruptly different. I asked about north they write about south, I understood that they are cheating me and harrasing me.... that one day I will get tired of writing mails and would pay the amount whatever they are charging...
Now I have put up the matter in Front of RBI and The Finance ministry of India and waiting For a reply.... Otherwise the last option is the Consumer Forum or the court Of Law.
I am posting this so that no brother or sister of my country should get in their trap as I got in.