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14%
1.36 

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Bengaluru/ Bangalore India
Fraud by Standard Chartered Bank(NO STANDARD BANK)
Jun 03, 2011 10:02 PM 22563 Views
(Updated Jun 09, 2011 04:22 AM)

Customer Service:

Rates and Charges:

Satisfaction:

ONGOING ISSUE since 2005.


Issue Details:-


In 2005 :-




  • A Sales rep, Mr. Sachin Kumar (M:9350373376), standing in front of my office (Flextronics Gurgaon) had a pre-approved card with my details & credentials on the card [NOT ACTIVATED]. He mentioned that our organization had some collaboration with standard chartered so all employees are privileged with the pre approved gold card. This NOT ACTIVATED CARD was handed over to me. (I never realized this was a part of CHEEP MARKETING STRATEGY)




KEEP THIS IS MIND THAT I NEVER APPLIED FOR ANY CREDIT CARD (So till that point I never submitted any document)




  • On the verification call, they realized that the birth date mentioned in their database was incorrect; hence they blocked this card (Which was not activated) and promised the delivery of a DUPLICATE CARD/NEW CARD with correct details and asked me to send the Address Proof and DOB proof to them.  > As this was My first time experience with credit card I was trapped in their cheep marketing strategy.




  • On the call I had mentioned that the delivery address should be my residential address




  • However, I NEVER RECIEVED THE DUPLICATE CARD






-I RECIEVED A CALL AFTER 15-20 DAYS ASKING "IF YOU ARE GETTING PETROL FILLED FOR Rs500/-". I CONFIRMED, IT WAS NOT ME USING THE CARD AS I HAVE NOT RECIEVED IT. The card should have been BLOCKED ideally; however standard chartered people did not bother taking any action.




  • A month later I RECIEVED A BILL WITH AN AMOUNT OF Rs60, 000 AND CHANGE, I CALLED STANDARD CHARTERED and INSTANTLY LODGED A COMPLAINT AS MY CARD WAS BEING USED BY SOMEONE ELSE. I REQUESTED AN INVESTIGATION ON THIS FRAUD.




  • Asking for a CASE NUMBER, the representative said they don’t create case numbers, for further reference she asked me to refer her name which is "MEGHA/MEGH"




  • Even after making so many complaints to this company, when I received ANOTHER BILL with an amount of 79787.31, THIS WAS REALLY ANNOYING




  • On calling the customtakeouter care again on 16th Feb 2006, they confirmed case is already with the fraud investigation department, which made me bit relaxed and did not get further involved. Also, since I did not receive any bills further, I assumed the case is resolved.




  • And moreover I had to shift to Bangalore for work…






QUESTIONS:-


WHY THE DUPLICATE CARD WAS DELIVERED IN ACTIVE STAT (READY TO USE)? This bank does not have answer.


WHY DID NOT THE AGENT GIVE ME CASE NUMBER? This bank does not have answer.


WHERE IS THE DELIVERY NOTE? (PROOF OF DELIIVERY) On my multiple requests so far they have never provided.


WHO SIGNED THE DELIVERY ACCEPTANCE? This bank does not have answer.


ISN'T THIS CRITICAL ENOUGH TO BE DELIVERED TO THE OWNER ITSELF? This bank does not have answer.


In 2009:-




  • when my credit card application (with a different bank) was rejected, reason being my name is in the defaulter's list, I realized that NO ONE HAS WORKED ON MY CASE, IT IS STILL PENDING




  • Went to Kormanagala (Bangalore) branch of standard chartered , they said they don’t handle credit card issues, however, the lady still sent an email with all the credit card number details to the relevant department with my current phone number, they promised a call back within 2 days, FOR ALMOST A MONTH I NEVER RECIEVED A CALLBACK.




  • Calling again to the standard chartered people after 4 years, NO AGENT IS EMPATHETIC ENOUGH TO LISTEN TO THE CASE PATIENTLY.




  • Every other day I had to call them, narrate my incident again and again every time I called and they promised a call back, in two days.




  • Finally on Thursday i.e. "9th April 2009" I got a call back from a lady named KANIKA, WHO WAS NOT SURE WHY I WAS EXPECTING A CALL BACK, so again I had to narrate my whole incident. SHE WAS SHOUTING INSTEAD OF TALKING OR DISCUSSING THE ISSUE WITH ME, NOT WILLING TO LISTEN AND JUST BLAMING ME THAT I DID NOT FOLLOW UP WITH THE CASE. SO DID KANIKA MEAN THAT I NEED TO REMIND THE BANK GUYS YOU NEED TO WORK? This bank does not have answer.




  • I had send her all the supporting documents on her FAX (011-43502875), she confirmed that she had received the fax




  • KANIKA promised me a call back on "10th April 2009", after not receiving her call when I called on her direct landline 011-43038720 which she gave me, they kept the phone on hold and finally disconnected the call.




  • SO STANDARD CHARTERED IS NOT READY TO HELP and NOT WILLING TO WORK






After around 1 hour I got a call from Kanika, who was again not trying to understand the issue, on my request the phone was handed over to her manager "Rashmi Mallik - Recovery Dept", I had to explain the issue again to her, initially they blame for not knowing the reference number for the call, I had to make a silent conference call to Support line just to prove that STANDARD CHARTERED DOES NOT PROVIDE REFERENCE NUMBERS, the agent who answered the call on "10th April 2009" was "Nandini Subramini".Finally they asked me to forward this case AGAIN to Fraud department, NOW HOW AM I GOING TO GET THE UPDATES, I WANT IT TO BE DONE ASAP SO MY NAME IS REMOVED FROM DEFAULTERS LIST. SO I DO NOT FACE ANYMORE HARRASMENT OF GETTING LOAN/NEW CREDIT CARD REJECTED.


The card details are mentioned below:


Primary Card: 4129-0586-8739-6883 (This was handed over to me by Sachin Kumar agent standing at the office gate)


Duplicate card: 4129-0586-8746-3642 (Never received this card) Card number mentioned on the bill.


Address on their record: C-7/ 26-27, sec 5, rohini, new delhi 110085. (Now it has changed to Bangalore address)


Landline phone on your record: 27047596


Mobile Phone no on your record: 9810810990.  (Now it has changed to Bangalore mobile number)


Note:- (Now the New address and phone is updated after my continuous effort.)


>> Attaching the documents which I received. >>


"Credit card"-------------------------------------------------------| > Handed over to me By Sachin Kumar (Standerd Chartered Agent) in front of office Gate.


"Card delivery agent detail for primary card"-------------| > Handed over to me By Sachin Kumar (Standerd Chartered Agent) in front of office Gate.


"Card delivery mail"-----------------------------------------------| > Handed over to me By Sachin Kumar (Standerd Chartered Agent) in front of office Gate.


"bill 1"-------------------------------------------------------------------| > First bill received at residence address after which I called the support line and the agent name is scribbled on it.


"Bank Note"--------------------------------------------------------| > After receiving this I called the support line again to know the status, and the agent confirmed the case is escalated for fraud investigation on 16th FEB 2006.


"Bill 2"-----------------------------------------------------------------| > Second bill received at residence address again.


REGARDS,


ANKIT KHANNA


Email: ankit.raju@gmail.com


Phone: 8095840000


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