Request Immediate Action :: Grievance raised against SBI Credit Card Department   

Complain ID : JGJN028164   64   Complaint's Reply

Credit Card Complaint  Complaint Date : August 6, 2017
  • State :  Maharashtra
  • City :  Mumbai
  • Address: C-404, Shree Complex, Opp.Sailee International School, MHB, Gorai Road, Borivali West, Mumbai-400092
Dear Sir,

This is to bring to your kind attention about the whole SBI credit card fiasco happened with me.

The series of incidents are as follows :
In 2006, I had applied for credit card in SBI branch (Borivali West). 
I got a credit card kit which had an envelope with the PIN in it (sealed form). This did not contain credit card inside it.
Later, I received a DD amounting INR 10,000/- via courier.
However, I could not use the DD since I had not got the credit card yet, hence have preserved the DD & the PIN in the sealed format even today.
But from hereon, i.e. somewhere in the year 2007 onwards, the entire torture of SBI credit card department began.
I started getting calls regularly from Recovery Agents asking to repay the outstanding amount. The calls were tormenting in nature & in spite of continuously telling them that the credit card was never received & the DD & PIN remain unutilized, the recovery team continued the harassment of calling regularly, sending their representatives at my home & abusing verbally to me & my family members as well. 
Later, I lodged a police complaint of  this incident which stated that I haven't received any credit card from the bank & the bank representatives were harassing me like anything.
Copy of FIR was sent to your NOIDA office along with a letter stating the incident. Post this, I stopped receiving calls for recovery & as well as no more statements of pending dues were sent to me.
This entire incident ranged in a span of 9 years almost.
However, recently I had applied for vehicle loan, personal loan & housing loan in various banks but it is not getting approved by any bank.
On further enquiry with the bank, I got to know that my CIBIL score in the bank records is low & there is outstanding payment with regards to credit card hence any loans are not getting approved.
This incident has left me helpless without any fault of mine & without receiving the credit card till date from the bank.
Requesting your urgent attention & quick action as I want to avail loans from the bank for personal reasons. This is very frustrating to me as well as my family.

Attaching the relevant documents with regards to this incident.

Enclosed are :
Scanned FIR copy
Scanned copy of DD
Sealed PIN envelope
3 letters sent to SBI
Postal acknowledgement Slip
Regards,
Dinesh Dalvi
Contact : 9969636485
Email ID : dineshvdalvi10@gmail.com

Complaint Against / To: SBI CREDIT CARD DEPARTMENT

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    Dear SBI Cardholder, your concern is of utmost priority to us and we are trying to resolve the same at the earliest. We request you to not mention your personal details & credit card number including PIN, OTP, CVV etc on a public forum or with anyone. You may write your concerns to us at our official e-mail id at sbicard_cares@sbicard.com.

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