SUB: Fraudulent billing by SBI Credit Card 000400********00762

I wish to bring to your notice the following:

I had applied and got my SBI credit card in 2003. My reason to subscribe to this credit card was as follows:
1. I was promised that there will be no surcharge on fuel if used for filling petrol at any petrol pump
2. I was also promised that there is no annual charge that will be applicable for subscribing to the credit card.

However on receipt of my first bill itself i realized that both the promises made by the credit card saleperson were not true. Thus i discontinued using the credit card. Subsequently in 2005 they followed up for the payment and stated that all outstanding will be settled if i pay Rs. 2000/-. Since i had used the card for one time fuel filling for Rs. 400/- which i should have paid i calculated the normal interest applicable on outstanding of the unpaid amount as prevalent then and paid Rs. 1500/- towards the closure.

My main mistake being i had subscribed to this credit card on the false promise of the sales person and had used it for expense of Rs. 400/- before i got my first bill. I had also written to the center manager of GE-SBI credit card then on 24th June 2005 explaining that the non-payment till then was on account of the credit card sales parsons false promise. Thus i will not be paying any further money beyond what has been paid. i.e. the credit card annual charges and interest on the same will not be paid. However, the expense i had made on the card which is Rs. 400 and the interest on it will be paid. (this worked out to less than Rs. 1500/-). the same was paid vide cheque no. 671880 dt. 24/06/05. drawn on ICICI bank.

The payment and interaction done while paying Rs. 1500/- was with one of the GE-SBI credit card employee named \"Rinju Abraham\" and the money was collected by their DSA by the name of Praveen

Now in 2010 i get a 2nd letter from them stating that i owe them around Rs.13000/-. From 2005 to now there has not been a single follow-up communication on this from the bank, nor a reply to my letter to the center manager.

The banks sense of irresponsibility is appalling considering the following:
1. False promise by the bank\'s sales person to lure customers
2. Lack of service orientation in resolving customer problems in timely manner. (from my last interaction in 2005 till date there has been no communication from the bank on resolving this matter)
3. In-adequate sense of responsibility for any follow-up or reply to my letter dt. 24th june 2005 to the center manager
4. Un fair internal process & systems that is oriented towards earning un-due money from customers who
have been duped by sales persons of their own bank/ associates of the bank.

I request the authority concerned to look into this matter and have the SBI\'s internal records correctly accordingly.
My SBI credit card no. then was 000400********00762

Thanks and regards,
Rajesh S Kurup