I had a shocking experience with a credit card company recently. I don't mind naming the company, it is SBI card. I have been using it for about 2 years till now, and though I was not happy with their service, I was using the card regularly. The problem started when one of my check I have given for the SBI had bounced. I had dropped the check for SBI credit card, well before the payment date and am really not sure of the reason the cheque bounced. But when I saw the next month statement, it was stated that my previous cheque had bounced and they had add some amount as a fine for the bounce and another amount as a fine for defaulting the previous month. The highlight is the reason they had quoted for the check bounce. It said, "Insufficient funds". I was totally pissed off when I saw that.
I called the customer service and asked why have you quoted the reasons "Insufficient funds", also, I said I wanted a copy of the check that had bounced. The customer service person said, she will dispatch the mail immediately. Since the person sounded as if she had dispatched the bounced cheque copy to me, I totally forgot about it for some time. The next week I got a call from a SBI person, inquiring why I have not paid the bill. Only then I remembered about the bill and said, I have not received any copy of the cheque I have requested, and asked what happened to that. The executive said, she will check up and call back. But she never gave a call back that day. I again made a call the next day to inquire about the copy of the cheque. I was bit frustrated by now, and was in a aggressive mode when I made the call.
The most surprising thing I found when I made the call was that the executive was talking to me with none of my history. When I asked whether they had dispatched the copy of the cheque, she said yes, and when asked about the address the copy was dispatched, she was telling some address. I was so pissed off and started shouting at her, and told immediately to transfer the call to the manager. Without even responding to my query, she had cut the call. The total number of calls they made to me and I made to them would be around 7 to 8 and none spoke like a professional. One lady even told me harshly it is not their responsibility to send the copy of the cheque, and I have to check with my bank.
I was not sure at that what to do. I dropped another cheque minus the fine amount of the previous bill. I am just waiting the another call from the company so as to tell them how unprofessional they are and cancel the card. I am not sure what should I do about this kind torture these company's give to customers. I was just wondering is there any law which will enable me to sue this kind of incapable company handling the operations? I will also tell them to learn some lessons from their bigger counterparts like Citi and ICICI. Not that Citi and ICICI are giving a great service, but at the least they are more professional than SBI credit card guys.
I felt relived and happy after cutting the card in to two.
I called the customer service and asked why have you quoted the reasons "Insufficient funds", also, I said I wanted a copy of the check that had bounced. The customer service person said, she will dispatch the mail immediately. Since the person sounded as if she had dispatched the bounced cheque copy to me, I totally forgot about it for some time. The next week I got a call from a SBI person, inquiring why I have not paid the bill. Only then I remembered about the bill and said, I have not received any copy of the cheque I have requested, and asked what happened to that. The executive said, she will check up and call back. But she never gave a call back that day. I again made a call the next day to inquire about the copy of the cheque. I was bit frustrated by now, and was in a aggressive mode when I made the call.
The most surprising thing I found when I made the call was that the executive was talking to me with none of my history. When I asked whether they had dispatched the copy of the cheque, she said yes, and when asked about the address the copy was dispatched, she was telling some address. I was so pissed off and started shouting at her, and told immediately to transfer the call to the manager. Without even responding to my query, she had cut the call. The total number of calls they made to me and I made to them would be around 7 to 8 and none spoke like a professional. One lady even told me harshly it is not their responsibility to send the copy of the cheque, and I have to check with my bank.
I was not sure at that what to do. I dropped another cheque minus the fine amount of the previous bill. I am just waiting the another call from the company so as to tell them how unprofessional they are and cancel the card. I am not sure what should I do about this kind torture these company's give to customers. I was just wondering is there any law which will enable me to sue this kind of incapable company handling the operations? I will also tell them to learn some lessons from their bigger counterparts like Citi and ICICI. Not that Citi and ICICI are giving a great service, but at the least they are more professional than SBI credit card guys.
I felt relived and happy after cutting the card in to two.
3 comments:
Smart move but I think based on my experience in Hyderabad, I would recommend to you Citibank and I had a pleasant experience with them, when I was supposed to deposit cash in the ATM machine for my credit card payment (wrongly advised by the counter clerk & security guard). The money I deposited went into my own account and I called up to inform about the mistake. The CitiBank rep, told me not to worry and also he had waived any late fee. To me I felt, the rep was very professional and helpful.
Good day !.
You re, I guess , perhaps very interested to know how one can reach 2000 per day of income .
There is no need to invest much at first. You may commense to receive yields with as small sum of money as 20-100 dollars.
AimTrust is what you haven`t ever dreamt of such a chance to become rich
The company represents an offshore structure with advanced asset management technologies in production and delivery of pipes for oil and gas.
It is based in Panama with structures around the world.
Do you want to become a happy investor?
That`s your choice That`s what you desire!
I`m happy and lucky, I began to take up real money with the help of this company,
and I invite you to do the same. If it gets down to select a correct companion utilizes your money in a right way - that`s it!.
I make 2G daily, and what I started with was a funny sum of 500 bucks!
It`s easy to join , just click this link http://riwanemo.freewebportal.com/itumik.html
and go! Let`s take this option together to get rid of nastiness of the life
Glad to greet you, ladies and gentlemen!
For sure you didn’t here about me yet,
my parents call me Peter.
Generally I’m a venturesome gambler. for a long time I’m keen on online-casino and poker.
Not long time ago I started my own blog, where I describe my virtual adventures.
Probably, it will be interesting for you to read my travel notes and reports about winnings and losses on this way.
Please visit my web site. http://allbestcasino.com I’ll be glad would you find time to leave your comments.
Post a Comment