SBI Credit Card fraud !?

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Hi,

I made an application for Sbi card during Dec/2006 . As I left India on that period , I put forward a request to customer service to cancel Sbi card that I delivered,but not opened or transacted.

After July/2007 occasionally(not every month though) , I am getting an email with statement carrying 3xx Rs.

To clarif the curiosity about the amount stated, I called cutomer service to know more about my account. I got reply the amount charged(250 Rs.) was for an insurance ,which I knowingly did not signed for.As I believed SBI and could not even think of it as an insurance for an unopened account.

So I asked the customer service executive about the Insurance policy number for wich I need to pay . Reply I got was ,they do not have any insurance policy number . But still I need to pay for it.

Did anyone face same kind of hidden insurance trouble without policy number?

How is this valid ,for a non opened card.
In one of the supporting document received witht the card, it stated that all terms and conditions are accepted ,only if we use the card by signing it in the back.

Look friend... I have faced a problem ... but more horrid one....I applied for SBI card and received one....before applying they had asked me for another bank credit card statement (I possess several but this SBI Credit Card is the only bank I had trouble with in my life) So I had given them the photocopy of my icici credit card statement. Some days past me receiving the card (approx 7-9 days later) I received a payorder of the full balance amount of icici credit card dated the day on which the SBi card was issued, which I had never asked for ! I thought I would just ignore the thing. Just in 3 more days time I received a call on my mobile. It was a collection agency. The no. on my mobile reflected a Delhi/Gurgaon mobile no. The guy started abusing (worst of badwords) forcing and imposing that I had used the money and that I needed to pay Rs.1000.00 towards the balance transfer cheque. Not only was he not ready to listen (when I told him I still have the cheque) he told me to shove the cheque in my a** (hahahaha) and threatened to send Gundas to my house. I received call even from females who sweared and abused as if their job was just to collect money, that's all. It was only after lodging a complaint at local police station and lots of calls conveying the situation and NC no. to the customer care of SBI did the calls stop. The bottomline is....SBI Credit Cards section is a Big Time fraud....I have several similiar cases in my locality. And in the area where I stay some people including me also conducted a procession against SBI cards. I am taking all this trouble to type the details because I do not want anybody to be in trouble because of SBI cards. Best advice to U is....Cancel the bloody card immediately ( I am sure its not an easy process...unless U call them a 100 times and the retention fellas show how much they are concerned...naturally as they are loosing a big fat cock (murga) or goat (bakra) who can earn them lots of revenue unknowingly (dontcha see ?) and trust me U will thank me for the same....because the worse may be yet to come in your life if U don't. If U want more details... just email me... I will then give U my contact no. and then if U wish to speak to me.. I will be more than glad to help U about the details. Tell as many friends of yours as possible the same.
Thanks

Why don't you write to the bank's Chairman direct and seek his clarification?If you still do not get a satisfactory answer then go to the
leading newspapers with all your papers.You can also complain to the Reserve Bank of India
and the Finance Ministry,Department of
Banking.If you have narrated your case correctly with all facts,then something smells here and needs to be cleaned.But it may be that the Bank is covered by a single policy for all such card transactions and the policy may be with the bank's central office.

Ask them on basis did they in the first place include you for the cover and if they have the audio recording of your consent, hence the time & date? I was also included into their policy without my explicit consent and the deductions are ongoing, the Insurance does NOT have a individual Policy No though,but proof of payment as of your statement makes its enforceable towards any eligible claims, the Policy T&C or
disclaimers is said to be contained in a Master Policy - 83001000105 issued to SBI Cards by SBI Life.

place your complaint/querry before vigilance branch of SBI or file complaint against all involved.

There are several tales with regard to Credit Cards. Better not to accept Credit Card. I have faced some problem with citi bank credit card. They also charged me with insurance. I wrote a letter to Citi Bank to cancel the Card. They did not give any reply. However I received a bill , towards insurance Charges, the details of which were not known to me. As I did not have much time and patience at that time, I paid the amount and get rid it off. Even for cancellation of card also I had to pay. Since then even though several bankers allured me for credit cards, I bluntly refused.