Different Perspective

Standard Chartered Bank India : I decided to try stan chart's super value card as it offered a cash back on bills. So i thought any savings however small is worth it. I could not have been more wrong. When my credit card was made, my mobile was entered without +91 in the system. It is apparently mandatory as their sms sending fails in that case. I came to know this when i went ahead and tried to login to online banking. Next tried to register some billers as that was the main reason for getting this card. Once the billers are added they never get confirmed. Even after 1.5 months. Emailing them generally gets a dumb response, which may not be even related to what you are asking. Calling them is even dumber as telecallers do not have your history or account information. They just ask you to email incase you ask some clarification. I have tried so many credit cards, but still citibank seems to be the best in terms of overall service. Pathetic bank and pathetic service....

Finally i got a call from citibank northern india head based on my complaint to CNN- pehredaar. He finally admits that for citibank it was a learning experience and they should not be sending an important document like ECS mandate through UPS for which they do not get any proof of delivery. CNN calls me for interview yesterday and i went and told them the whole ECS story,,,lets c how it is aired. Time is sat 21 april 2.30 PM.. CNN-IBN-Pehredaar. Powered by ScribeFire .

I visited ABN AMRO and asked them to prosecute Citibank as they have raised unauthorised ECS against my account. ABN said citibank is my problem, they will charge me for ECS rejection, i can do anything i want, they will not revert the charges, Citibank said they will revert the ECS return charges only when they are sure that it has got something to do with them. Citibank then callously advises me to give mandate to ABN if they are asking again, What is the issue? ASSHOLES... Anyways, i escalated ABN issue to grivience redressal and they reverted the amount on condition that they wont do it again, Either i should confirm the rejection of ECS with citibank or give them a mandate. SO i cancelled the ECS request with citibank online and then asked ABN to refund me charges which they did. I sent email to citibank that i will cancel the card if they dont return the ecs reversal charges and they also obliged and return the charges. Now things are back to square one, but all my effort and pho...

Decided to opt for ECS (electronic clearing service) for my Citibank card payment. Completed formalities and registered for the ECS on citibank online. Sent them the printed format with crossed check as told on the site and also got a confirmation letter from them that all is OK. Now comes the best part, the first ECS raised by citibank to ABN is rejected by ABN as they say they have not received the ECS mandate (Citibank should have given ABN the mandate after verification which i had emailed to them). ABN charged me 112 for the ECS rejection and Citibank also charges me around 900 Rs in terms of late charges, interest etc. I tried checking from citibank, that why am i being penalised for thier mistake and they try to give me some stupid reasons. Most of the people at thier call center do not have the clarity on the ECS process... More...on this soon... Powered by ScribeFire .