Subject: Wrong charges applied for closing credit cards and
My Name: Chirav Dharmendra Chavda
My City: Ahmedabad
My Complaint Against: SBI Credit Cards
Complaint Category: Banks Complaints
Claim Amount (Approx.):
My Complaint Description:
Dear Sir / Madam,
I have acquired SBI Gold Credit Card with RS. 88,000/- limit two year ago. As per my last statement of 11th August 2014 my outstanding was Rs. 27435/- . I have paid Rs. 27435/- by cheque on 28th August 2014.
My SBI Credit Card Details are:
SBI Credit Card No. : 4726 4268 9400 0316
Card Holder Name : Chirav Chavda
Expiry Date : 11/18
Card Type : SBI Gold Card (VISA Platinum)
That time I had cleared my all dues and I applied for closing/ surrender my Credit Card due to personal reason by mail to the Nodal officer, SBI Cards first time on 3rd September 2014. After that I have received a mail from him stated that they have received my application and will contact me in few days. After that I had frequently mailed them and tried them to contact but there was no reply from their side.
After six months of that thing in April, 2015. someone came from SBI Cards, Ahmedabad office at my work place and told me that I have a due of Rs. 3950/- against my credit card. I argued with him that I have not done any transaction after closing my credit card, it should be mistake. I met someone at higher position in SBI Cards at Ashram Road Office in Ahmedabad. At that time I met Mr Bhattacharya, settlement officer and told him all the details. I also shown him mail copies which I had sent to the Nodal Officer, SBI Cards. At that time he told me that I have uncleared transaction amount of Rs. 500/- which was calculated or shown in last statement (last statement of 11th August 2014) which was I had received. So I accepted that thing I was ready to pay that amount and wanted to clear my dues. That's why as per his suggestion, I have paid Rs. 500/- by cheque on 29th April, 2015. He told me that time my Credit Card is closed and confirmation will be sent by mail.
After that I was very firmed that there is no due from my side and I have paid and cleared all the dues. But yesterday someone called me from SBI Cards, Ahmedabad Office and told me that I have still dues of Rs. 4000/- and my Credit Card is not closed. If I want to close it earliest I have to pay Rs. 1000/- for closing charges otherwise they will charge me.
Please do needful in this and tell me what should I do.
Please revert back me as soon as possible.