I GOWRI SHANKAR GAVARA applied for SBI credit card and got it.
As a new credit card member to the bank. SBI has offered me giving 32,000Rs/- DD free of interest for 3 months, and
Nominal fee 300Rs - to be paid on receiving the amount. As promised by SBI, they have sent DD to my office address.
I couldnt receive the DD due to my office dispatch departmenet misplaced the DD.
I didnt encash the 32,000Rs/- in my bank account. I was not aware that they were sending credit card statements to office address.
Eventhough I received the credit card I didnt use the card.
After few months I got a mobile message from SBI asking me to pay 52,000Rs/-.
Since they were keep on adding the interest on non credited 32,000Rs - in my account.
Immediately I complained to customer care and told them to revert back the fees whatever they charged.
Customer care said its their mistake of charging the customer and said they will revert the charges.
Due to personal reasons I applied for personal loan in private bank and came to know that my name has been entered
In CIBIL by credit card department (SBI), so bank declined my personal loan request.
They suggested me to remove my entry from CIBIL as early as possible.
Then I approached SBI credit card customer care and requested send me no due certificate and removal of my name
From CIBIL.
Two months later (after so much struggle, calling once in two days to customer care) I received No due certificate from SBI AVP customer care.
Customer care is not updating the CIBIL database, since removal of my entry is not their scope.
I am fedup with the delay in process. Almost I lost 3 months in followup of removal of my name from CIBIL.
Could you please suggest me how can I deal this (removal of my name from CIBIL).
Can I put complain in consumer court?
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