From
R.Atmanandan
Card no: 4006 6610 1563 7049
T.C 40/221, FPSRA-184,
First puthen street,
Manacaud P.O
Trivandrum-6950009
Ph no:0471-2468532
To
SBI Cards & Payment Services Pvt. Ltd.
DLF Infinity Towers, Tower C, 12th Floor, Blook 2,
Building 3, DLF Cyber City,
Gurgaon – 122002 (Haryana) India.
SUBJECT: CLOSURE OF MY CREDIT CARD ACCOUNT - LETTER WRITTEN TO YOU ON MAY 12th.
(Reply not received from you so far)
Dear Sir,
The following is the copy of the letter written to you, On 12th May.
I write this letter to demand you the closure of my credit card account and cancelation of the same. This is because your office is now a center of fraud. Debiting late fee without any reason was the usual fraud and now started with new item i.e. making alterations in the check issued in your favour and presenting and encashing through clearing.
On the request of your Chennai office, I have issued a cheque for Rs.430/-
Dated 31-03 towards full settlement of my credit card account.
On verification of my Bank account I found that the above said cheque bearing number 005578 presented for payment after alteration of the amount both in figures and words to read as Rs.1430/- and received payment.
(Copy of receipt no: 11022590 for Rs. 430/- issued by your collecting agent of Trivandrum already forwarded to you with this letter of 12th May.)
I never had such experience before. I lost all faith on your bank credit card and hence demand closure of the account. Your credit card already proved to be a burden for me since 2006 April, I was not using the card since June. I was waiting for clearing all my genuine dues. They are over by February and hence demand the closure of the account.
So far, your office had debited me without reason delebrately every month with various amounts (Rs.336.72/- to Rs.674.16/-) and a total amount of Rs.5222.70/-. You have recovered from me Rs.3201.36/- including Rs.1430/- (check altered and collected amount) now I request you to refund me Rs. 3201.36/- by your demand draft drawn on Trivandrum.
(I have paid all the installments of the loan granted to me well before the due dates. And most of the installments you have over looked and debited my account with late fee. This is clear from your statement itself.)
Please verify your statements from January to February
(12 installments of Rs.3800/- including interest)
The protection plus insurance already cancelled in June wide my request letter as well as your statement. I also request you to pay back me the amount already remitted by me. (That also comes nearly Rs.5000/- this also should be send by DD drawn on Trivandrum.)
I request you to do the needful at an early date. I am waitng for your reply.
I will proceed further to the BANK OMBUDSMAN, if your reply is not received as soon as possible.
Yours Faithfully
R.Atmanandan
Date :12-5
Place: Trivandrum
This is for your kind information:
The following are the usual frauds of your office statements sent to me :
1. Not executing instructions given regarding flexy pay account and demanding full payment of the amount of the bill immediately along with interest for the amount. On contacting your office to ask about that you suggest to pay less the bill amount, Immediately next month you collect processing charges to transfer the amount to flexy pay and claiming and debiting the late fee according to your will and pleasure without any reason. (This started in your credit card account since April).
2. On writing letter to your office regarding late fee, two times you have recredited my account with that (without any use – In the words of the officer (REFLECTION OF AN OBJECT IN A MIRROR NOT AVAILABLE FOR ANY PAYMENT).
3. Terrorizing by demanding amount, twice of the same amount widrawn using credit card and debiting interest and late fee.
4. Concealing payment made and received by you even before the due date and imposing late fee. Please verify the statements of 2007.
5. Amount of late fee refunded taking back immediately without any reason.
6. Not adjusting any payment from late fee credited back to the card account.
7. Demanding check for closure of the account from Chennai office, Sending your agents to my home to collect the check and altering the check to the will and pleasure of the bank. And presenting for payment and through clearing.(Bank statement already submitted to your Trivandrum office)
I am sorry to say, a BANK like SBI – Being the biggest bank of India which has core banking is behaving like this!!! IT IS SHAME!!!
“ If your reply is not received within one week after closing the account… I will forced to send the copy of this email to BANK OMBUNDSMAN, CHAIRMAN of the SBI, The MANAGER OF SBI Credit card and as well as to all the Media PEOPLE!!! “
By
R.ATMANANDAN
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