I had written to SBI Credit Cards charge back to investigate one of my transaction worth Rs.36050 in the month of Mar’13 and immediately a day later I wrote back to the same email id to stop investigation as it was a genuine transaction. SBI confirmed in the month of Jun’13 that the issue has been closed and no further action would be taken. But in the month of July’13 SBI had initiated the investigation and unnecessarily harassed the merchant by taking it up with his banker (ICICI) who in-turn had retrieved the amount of Rs.36050/- from the merchant.

Since SBI gave me a temporary credit of 36050/- I had to give a cheque to the merchant (Abarna Consultants) who was unnecessarily penalised by the haphazard working of SBI inspite of their confirmation of closing the case a month before. Subsequently the temporary credit given by SBI was reversed in my account without resolving the issue with the Merchant’s vendor Bank (ICICI). Inspite of constantly speaking and writing to SBI customer care this issue was not resolved with ICICI which SBI kept charging me the interests and late payment charges. Further they have wrongly reported my credibility to CIBIL which has adversely affected my scores two of my loans were declined because of this putting me into a mental trauma. The issue remains unresolved till date.

SBI has to explain as to why the issue which the confirmed to have closed in June was raked up in Aug’13 which caused the mental trauma and unnecessarily damaged my reputation at CIBIL. SBI has to clear my credibility at CIBIL with immediate effect and reverse my pending charges of Rs.55000 Approx. which is pertains only to the interest and late payment charges till date. I also demand a compensation for the harassment and mental trauma I had gone through since 2013. SBI has to explain as to why the issue which they confirmed to have closed on 23rd June’13 in response to my mail dated 27th Mar’13 was raked up on 27th Jun’13 which caused the mental trauma and unnecessarily damaged my reputation at CIBIL and undue embarrassment while my loan was declined by Bajaj.

Email Id: ida_gladys@yahoo.