Standard Chartered Bank
Reviews and Complaints

I want to use this opportunity to seek for the assistance of the police and the law enforcement agents in Malaysia to get this so call Scammer ZAITON BINTI MOHD NOR arrested, you have accounts in nearly all the Banks in Malaysia, everybody should be careful whenever you deal with her because definitely you must be scammed Malaysian Banks please take note. and get her to stop this. she have sent so many people to early grave with having any idea of it. you afflict your fellow women and cause them death, what a heart. surely I speak to you ZAITON you'll one day pay for all this. this was the account details you used to Scam me of my hard earned money putting me and my family to perpetual separation. Account Name, Zaiton Binti Mohd Nor
Bank Name:Standard Chartered
Account Number, [protected]
Current Account
Swift Code: SCBLMYKXXXX
Bank Address: Bangunan Emum 55 Jalan Gangsa, 05150 Alor Setar Malaysia.

RETURN MY MONEY

Sir, I have a Standard Chartered Credit card. Last month due amount is 68, 328/-. Minimum pay amount is arounf 4, 000.00.However i paid 15, 000/- before the bill date. In next month bill they have charged interest of about 3, 118.94/-.

When i inquired with Bank, they told that they will charge interest from the date of transaction @3.5% per day for the whole amount of 68, 328/-.

I have three more credit cards with other banks. Normally interest rate will be calculated for the unpaid amount only.Could you please look on to this.

I am now beginning to feel very concerned about my account in Standard Chartered bank. My office which banks with SC had me open an account in SC to credit my pay. It took three attempts over a period of five months for the bank to open my account, due to their negligence and incompetency. I had to fill up the forms and submit all the details and evidences three times, before the bank finally opened my account. Later I was not even able to get into my online account, because within three months, they invalidated my debit card PIN number, and they gave me the run around to get my new PIN so I could use my debit card and do online banking. I am suspicious of this bank and wonder whether they do this deliberately to account holders, for some illegal dealings. I don't trust this bank, and feel very suspicious of their activities. If it weren't for my organization having their office account in that bank, I wouldn't dream of going anywhere near them. There are so many Indian banks that provide excellent service and financial benefits than this horrible bank. I hope that they are not trying to siphon off money from accounts. If I am unable to get into my online account within a week, my worst fears will be confirmed!,

My balance in this savings account has been at around Rs 110, 000 for several years now. But the bank started charging maintenance fee on my account, without notifying me of a policy or limit change. Upon inquiry, I was notified that my account was categorized as a "Preferred" account and hence a minimum balance of Rs 2 lacs is now needed. But this was no communicated to me in time. I have now transferred more funds to the acct as per advice from the "Relationship Manager" of my account. But since then I have not been able o get any response from her, even though I have sent three emails and tried calling her twice!

Meanwhile, I have noticed some strange patterns in these charges levied on my account. It almost appears that the bank is simply charging my account whenever it wants to, however i wants to! I wrote to customer care team, they sent me a lengthy email, but their explanation does not match with their own charges!

These guys are just doing whatever the USA says.
If the US says "Jump" they don't bother to ask "How High?" They just hop like frogs on speed.
If you actually have a legitimate global business, it's best to take your business elsewhere, this is not the bank for that.
http://standard-chartered-bank.com/

Hi I am using standard chartered credit card from past three years and so far had no issues until I started facing problems by agreeing to accept a new credit card from them. The courier Guy did not deliver the card and now i was asked to pay 100dhs for replacement card which i never received . I raised a complaint on 29 June and called phone banking for almost 5-6 times and everytime they promise me that i will receive call back from them in 1-2 business days but so far nobody called back.Even i had to request number of times for supervisor to talk top her and even she lied to me. I have never received such a pathetic service from any bank in my life. I have recorded phone conversations and since i work in telecom company DU i can provide legal proofs if required. I would like to know from you how to proceed legally against this bank and their phone banking department as i can produce all the proofs required to do the same. Thank you in advance for your suggestion.

Standard Chartered Bank

Let me tell u that this bank is a cheater and people working here are well trained how to make fool of people and rob them from their account. I would advice people not to deal with them rather to deal with a local bank in chennai. I have personally very much suffered and being tortured to get my money out of them which they taken out from my account not by mistake. How much pain that which i went through to earn it has gone in vain

I have heard a lot of bad behaviour from this bank before but I never thought until I faced, I don't understand why Govt. is not taking any action against them who is degrading the country's banking reputation.

I must reward them with one line - People working here are a collection of fools commanded by idiots.

i underwent a major surgery and i was in leave for a long time and my husband had no job for a longer time, but then i was the one to take care of my family, even after being informed about all this and i also assure to make a payment this month end after getting my salary but they took out the entire salary and now that we have no hope to run family now. i also have other debts to take care of. if something happens to me stnadard chartered should be entirely responsible

COMPLAINTS

My company BSA Merchandizing Council was a client of the Standard Chartered Bank in Bangladesh. This company maintained an account with SCB (No. [protected]).

On 23rd August 2011, two checks from BSAMC account (No. 9859698 and 9859699) were submitted for clearing at the Gulshan branch of Standard Chartered Bank in Bangladesh. Each of the checks contained an amount of BDT 500, 000. Signatures in these checks were forged. The Standard Chartered Bank cleared these checks without any notification to me. Usually, the Bank calls the client to notify if a large amount check being submitted for clearance.in this case, SCB did not call me or notify me.

On 24th August 2011, another check from BSAMC account (No. 9859700) was submitted for clearing at the City Centre branch of Standard Chartered Bank in Bangladesh. This check contained an amount of BDT 500, 000. Signature in this check was also forged. The Standard Chartered Bank cleared this check without any notification to me.

Knowing on these crimes, I filed a complaint under General Diary at the Gulshan Police Station in Dhaka (GD No. 2628/11). I also informed Standard Chartered Bank on this situation.

I was informed by the Police that few goons belong to the Government political party stole few leaves from check book of BSAMC. They used three checks to transfer BDT 1.5 million from BSAMC account to another account kept at the Standard Chartered Bank and belong to a goon.

When these culprits knew on my activities, they caught me at the Gulshan Police Station, they beat me in front of police, snatch my mobile phone, pointed gun at me and forced withdraw the GD. They forced me to write a letter to all concern informing them on a fake settlement. Being afraid for my life, I wrote the letter.

Unfortunately, the Standard Chartered Bank sent one of its Managers to join the goons in the police station. I already informed SCB on this incident (please read attachments).

Now, since the political situation is becoming favorable for the common people, I decided to claim my stolen money from SCB and most unfortunately, in response SCB supported the action of those goons. Moreover, they threatened me to settle my outstanding within seven days. Otherwise, SCB will take legal action against me. (As a matter of fact, I do not have any loan from SCB except three credit cards. When I initiated my claiming process, I stopped payment of minimum dues. I have credit cards from other banks and I am paying for those cards regularly. I will pay for all of my credit cards as soon I could settle my claims with SCB).

I am now preparing the legal action against STANDARD CHARTERED BANK. Before I commence my legal action, I would like to submit this issue to you for a rationale solution.

Therefore, I would like to request you to investigate and take action on the following complaints:

1. The Standard Chartered Bank of Bangladesh helped the miscreants to transfer BDT 1.5 million from the account no.. [protected] to another SCB account by using stolen check leaves and forged signature of the account signatory.

2. The Standard Chartered Bank of Bangladesh helped the miscreants through one of its staff Mr. Badrul Alam to put pressure on me so that I withdraw my complaints.

3. The Standard Chartered Bank of Bangladesh now threatening me through Mr. Abu Jahan Mohammed Rustam - Legal Counsel, so that I should forget about the crime committed by the group of goons and Standard Chartered Bank.

Sincerely,

Mohammad Zahurul Haque
Proprietor
BSA Merchandizing Council

I went to rob the Standard Chartered bank, they said they closed at 7pm. I arrived a little bit early, at 6:55 pm. However I noticed they were closed and locking the doors. I told them I was here to rob the bank at gunpoint, they said that they were not getting any business and that I should come back tomorrow if I wanted to rob them. This happened last week and I am so angry that I don't want to rob them or do any other kind of business with them any longer. Guess I will just have to get a job and earn my money legally thanks to them.

Almost one year ago, I lost my credit card and asked SCB to issue a new one. And they did. But their courier never delivered it on my new address, despite the clear instructions provided both to the bank and the courier.
My fault was that I am an extremely busy person, and cannot take out time to visit the branch. That's why I use internet banking. There's an option in their internet banking for updating the address - but it won’t work. They asked me to visit their credit-card center personally to get it updated, so that the new address is in their database on which the new card will be delivered. Due to my busy routine, I couldn't visit for some time, and they won’t take my instructions over the phone, or on fax - because their policy doesnt allow so.
The problem was that they had blocked a certain amount against my credit card, which I cannot use (obviously). It is called the 'lien' amount.
So one day I decided that I will visit the credit card center to get it done, as they may cancel my card and release my amount.
Now check this out. I called the helpline and they advised me to visit my branch. I visited the branch (somewhere in August/Sep) and submitted a written application. But there was no action for a week. After one week I followed up with my branch and was informed (by 'Imran Kramat' at the New Blue Area Branch) that my application was returned, and I will have to visit the credit card center personally.
Imran gave me a phone number of the credit card center and told me to call Ms. Nadia Zafar. I called up their credit card center in F-7 Markaz Islamabad. the phone was fast busy for two days (no exaggeration). The third day I physically went the credit card center and met Nadia Zafar on the front desk. She was talking on the phone, and never hung up the phone as long as I was there (and I was there for at least 30 mins). Now I knew why the phone was constantly busy.
Regardless, I submitted a written request to update my address, as well as to cancel my card. This application was submitted on 29th Oct, 2013 and Nadia promised that it will take around 10 days to complete. On 12th November, I received a phone call from SCB and they wanted to know the reason why I wanted to cancel my card. I gave the reasons and the conversation ended.
On 18th November, 2013 I called for status update again. They still didn't have much of a concrete answer. However, after I insisted on the correct status, the helpline told me that the credit card was cancelled as per their records, and I could go ahead with a yet new application for releasing of the 'lien' amount that was blocked against the same card.
Logically, if the card is cancelled, the amount should be released right away. But helpline told me that they need 45-days to release the lien amount. This was too much for me - I filed a complaint in order to have the process expedited. Complaint was lodged on 18th Nov, 2013 and I was give a reference number (014787), and was told that it will take 3-4 days for them to respond to the complaint.
I never heard from SCB in the last 4 days. Today (22nd Nov, 2013) I called up the helpline to know the status, expecting that I will be told that the complaint was almost resolved, and i'll get my money back within the next week. Instead, the helpline tole me that 'some backend working' was done on my complaint and the status was that they still need 45-Days to release my amount. And then, the helpline girl hung up, right on my face!
I have had bad experiences with SCB during my last 6-years with them - but this one is just too much. As if the bank and its staff is practically telling me to 'kiss their a*'.
I want my amount against my Visa card to be released asap, today, now!
May I request SCB global headquarters to look into this matter? I have also copied the Pakistan Banking Ombudsman for record.
I've posted this on SCB FB and LinkedIn pages, so that people should know how bloody painful and unfriendly SCB's policies are, and how mean of the staff SCB has employed in Pakistan.

It takes standard chartered bank more than a week to process a checkbook request. Their phone banking system is also a pain in the #. for instance, even after you input the account number and pin number, the staffs still have no clue with your identity. Then you'll be asked the same questions like your date of birth, mobile number AND your last transaction details again and again! No kidding, your last transaction details, when, how much, for what purpose. What a stupid memory test! And if you question the necessity, they would bend over and give up asking. Then you wonder why they even ask! With this bank, you won't get any certainty about when the delivery will happen. It's always a frustration with this bank.

I opened my Salary Account with Standard Chartered Bank's branch located near the greens, Emaar business Centre. for more than 2 weeks, despite regular follow-ups on phone with the Bank representatives in UAE and help desk sitting in Chennai-India, the bank is unable to provide even the most basic service that any smaller bank will provide without even asking for it, namely helpful and trained staff, debit card/ATM card, cheque book and netbanking facility. I opened my salary account in this bank (which turned out to be the worst decision in my professional life of more than 20 years).
Having wasted over many valuable hours (not minutes) on phone, I have come to conclusion that there is no system at work in this bank. How can you deprive a customer of basic facilities after he has deposited his salary in your bank? You tell him courier company will call him for the delivery of his card and cheque book but the call never materializes. You expect him to stand in a line with a 'challan' to withdraw his money when he can pay by cheque or use ATM card? Despite making numerous calls to call centre at [protected], nothing moves in Standard Chartered Bank. A typical revenue oriented bank which does not believe in service!
Please wake up. I am not asking for a loan!

I can be contacted at [protected]@hotmail.com or [protected].

Kapil Gupta

Dear sir or madam

This is mr. tat man ho (or ho tat man) from hong kong. I have been enjoying your bank services since 2001. at that moment, I had engaged with home loan mortgage of over hk$ 1million in the hong kong branch of your bank. since then, I have upgraded my service level to preferred banking, excel banking and the recent priority banking status. currently, I have overall exceeded hk$ 1 million investment capital in your bank account, comprising of a rmb fixed deposit of rmb 0.3 million, two premium deposit fixing of around hkd 0.6 million, plus a private company bank account.

I am definitely your loyal customer and I vote your bank as my most reliable one because I have devoted majority of my investment and financial service through your bank. however, a recent incidence has turned me down:-

Transfer of thb 3.1 million equivalent for the purchase of property in bangkok.
In may this year, I visited bangkok and had located at least 3 condominiums to be purchased for investment purposes. all of those will be leased out for rental income. I will complete the deal of the 1st one in september and the other 2 before year end. owing tothis, I have contacted my international relationship manager, mr. chui for advice. with his referral, I get to know ms ariya charoenchaidet, the customer relationship manager in thailand.

In early august, ariya briefed me about the account opening procedures in thailand. she emphasized that I have to transmit the money to thailand in foreign currency, of the amount exceeding thb 3 million equivalent before september 2nd (the expiry date of my thailand visa), as according to the foreign exchange regulation in thailand. I had requested a copy of therelated bank policies and the application forms that I had partially filled, for my reference. but ariya rejected my request on the basis that those forms were not completed. instead, she promised to give me the completed form once the bank account has been opened. at the moment, I was somehow a bit hesitated but I valued your bank as my reliable bank, hence I took her advice.

Cheating on the priority banking rate (hkd to thb).
I have high concern about the conversion rate (hkd to thb) as I repeated to ariya. ariya stressed that, as the priority banking customer, I can enjoy a much better rateover the normal counter rate. taking the rate on august 9th as reference, counter rate = 4.00 and priority banking = 4.03. moreover, I can keep the foreign currency in the bank account for 7 days, in order to wait for the best conversion rate. that sounds reasonable to me, and hence I decided to rely on ariya's advice.

On august 26th, the date before my fund to be transferred, ariya quoted me the counter rate of 4.08 and priority banking rate of 4.13 (1.2% higher). compared with the rate offered by siam commercial bank, it was an attractive rate. with this illusion, I transmitted the money to thailand the next date.

However, as per ariya's email on august 26th, shesuddenly pushed me to finish the conversion before august 30th, and maintained that this is according to foreign exchange regulation in thailand. otherwise, my account cannot be opened.

On august 29th, after the fund in hkd has been transferred to thailand, ariya broke her promise to offer me the best rate, instead she could only offered a poor rate of 4.115.

On august 30th, the last date of conversion as per whatariya mentioned, she could only offered 4.10 (only 0.18% higher) as the priority banking rate while the counter rate is 4.0925. checking with the siamcommercial bank, the rate should be 4.12. she pushed to accept this poor rate on the ground that my account cannot be opened. with this unfavorable rate, my estimated exchange loss would be around thb 16.000.

Misleading about the foreign exchange regulation in thailand.
Upon checking with the foreign exchange regulation of thailand by central bank, (http://www.bot.or.th/english/foreignexchangeregulations/fxregulation/pages/exchangecontrollaw.aspx), there is no such rule to request the foreigner must convert the transferred foreign fund into thb before the visa expired. instead it is open ended.

I believe I was strongly misled by ariya and your bank. it was a serious misstatement (to a certain extent it is business fault). I am not sure if it is a trick to make a client to commit an unfavorable conversion rate under the time pressure. I believe what ariya told me because I am confident with your bank service. if I know there is no deadline as per thai regulation, I will not be misled to complete the conversion on august 30th, while the conversion rate is the most unfavorable!

Table showing my loss on the exchange rate

Standard cb - standard chartered bank

Siam cb - siam commercial bank (http://www.scb.co.th/scb_api/)

Date
Standard cb counter rate
Standard cb priority rate
Siam cb rate
Variance
26/8/2013
4.08
4.13
4.097
25, 697
28/8/2013
4.12
4.14
4.135
3, 893
29/8/2013
-
4.115
4.125
(7, 787)
30/8/2013
4.093
4.10
4.12
(15, 574)

* my transferred fund hk$ 778, 700

Ref: http://www.scb.co.th/scb_api/history_exchange.jsp

I deeply disappointed with your service. being the loyal customer, I have confidence in your service but this experience is a bit shocking to me. could you investigate the whole case for me, and if possible, I am always willing to provide more information not limiting to the email correspondence, for your reference.

I am now frustrated on whether to continue to take your service, or to withdraw all my current investment capital in your bank, especially, my plan to purchase 2 more properties in this year.

Looking forwards to your feedback.

Regards
Tat man ho
Email: [protected]@gmail.com
Tel: 852-[protected]

Hi,

I am a standard chartered/Bajaj finserv lending credit card holder and writing to let public know about the illegal process standard chartered is applying in the name of late payment even though payment has been made on time..

I had a payment due on 8th of August and made the payment on 8th of August at around 10:30 - 11:00 am through their online portal.

However upon logging on to the website to check on my balances on August 20, 2013, I found that they charged me with 1300/-+ in fees

I tried calling their customer care number but failed to get in touch with a representative. I had called earlier when I was informed that there would be fees fees as they said the payment was LATE! How could an online payment, on their own site be a late payment?, they advised a payment has to be 3 days in advance of the due date. Because they don't get the money from the biller vendor 'bill desk' until after 3 days and therefore it is deemed a late payment. moreover, Stanchart has never informed me this at the time of card application that this will be their process of payments

I have two other credit cards which I regularly transact with. All payments are made on the day of the due date including this stan chart card. But this is the first time, I am encountering this problem with stan chart

Stan chart is using deceptive trade practices to earn revenue in the pretext of 'Late payments' like these. I would request the officials to check on this and make corrections to my card bill

Thanks
Pranav
[protected]

Dear Bank,

Let me be very sorry for Using the unparliamentarily Language if any. As bank officials are doing the same from past long with me over calls.
Even there is never a proper reply from Bank Officials over my case for last more than 4 years.

TO Provide the Brief of my case
1. It started well back in 2007 where in i took a loan of Amount Rs 210000/- (2 lakh 10 thousand only) and a loan amount of Rs 84000/- in June 2007 wheren already i had a loan account no [protected] with running a dial up loan upto 08/12 payments already cleared up and first Installment with 01/36 was applied on 29-05-07.

2. In the Next Billing Cycle ie. Jul 2007 the SCB has Applied 3 Description into my account ie. [protected] with VIsa Gold for ROYAL SUNDARAM for Rs 9662/- which i have never applied for and also the VIsa GOLD credit card which i never accepted or asked for.
second [protected] with Master Gold having processing fees for DIAL up LOAn amounting to Balance Rs 1416. THIRD one [protected] with 4 EMI's Which i dont know what is it for as i have got cancelled the ROYAL SUNDARAM PREMIUM then why the hell they have shown the amount in the statement. other 3 is also under scanner, i dont know properly whether i have taken loan or not BECAUSE in place of me, bank itself have drawn that amount.

3.Again in September 2007 SCB have ROYAL SUNDARAM into my Statement, i wanted to know the Reason when i have cancelled the Insurance then why the hell, you F****** apply it again and again into the account this amounts to Rs 6739/- again the same amount is divided into EMI of 24 Months.

4. In October 2007 Statement Bank Again Applied a ROYAL SUNDARAM insurance of Rs 12775/- and refunded me of cancellation of ROYAL Sundaram a sum of Rs 665/-, i wanted to have the Voice Clips if any for accepting the ROYAL Sundaram Insurance by BAnk. As I have never accepted the same. Also as per Bank officials over Customer care asked not to pay as they will cancel the same and it will be highlighted in the next statement cycle. but instead they have applied the late fees, interest and service tax.

5. In Jan 2008 statement bank has shown the TITANIUM CARD with no [protected] which i have never applied and doesnt have provided it in writing also. the amount is Rs 3370/-. this same game was played by bank for statements till june 2008 whereas i have cancelled the TITANIUM Card in Feb 2008 but bank didnt refunded my amount and cancelled the Card also.

6. When i strongly apposed the same in June 2008 then the bank stopped the EMI and Demanded for full amount in August 2008 statement. Whereas i Constantly paid the EMI amount which amounts to Rs 10000/- MOnthly till april 2009 as per my EMI Installment for the Loan Amount.
I also Wanted to know the Reason for Refunding the amount of Rs 2000 Instead of Rs 3500 For Cancellation of Titanium Credit Card.

7. Also to mention when i have cancelled the ROYAL SUNDARAM Insurance before time so why the hell bank has refunded the half amount, and as per the rule and regulation i was supposed to get the full refund of the amount without any penalty such as interest or service tax on it, as applied by bank.

8.If bank can see and have Specs then please have a look at the amount calculated on AUGUST 2008 calculation as Dial Up Multiplier as
a. 12/24 - Rs 3937.32
b. 14/36 - Rs 57894.37
c. 15/36 - Rs 139265.26 for which total comes out to be Rs 201097
and in Dec 2008 the SCB has Shown the same amount being credited to my amount for the loan amount such as
a. Rs 3937.32, Rs 57894.37, Rs 139265.26 which is same as in August statement but i have paid the amount as per my interest, bank should have deducted the same amount from the above amount
also started a new calculation with 01/13, 01/23 and 01/22. so in this case if i take already paid the amount of Interest per month which bank has forgot to mention in the statement and also as a proof i have in Bank Statement. Also to mention when the F***** have cancelled the Royal Sundaram Insurance then why the hell the Bank still continues with the EMI for those Premium.
to continue further tif i have paid 12, 14 and 15 payments till August 2008 then Dec it comes out to be 16/24, 18/36 and 19/36. I have paid Rs 40000 in 4 months as per my statement so bank should have deducted the same amount from the August 2008 statement amount and in Dec 2008 the amount will come out to be Rs 161097. but Instead bank has applied the same amount as in August 2008 for the repayment, so wanted to know the reason for Rs 40000/- fraud by Bank.
when according to my calculation the payment was made and the difference between the installment comes out to be as follows:-
Dec 2008
a. 16/24 - difference of 8 Installment which i need to pay whereas bank has shown 01/13, so don't you people know the Maths calculation for does have any CA to your Bank.
b. 18/36 - difference of 18 Installment instead of 23
c. 19/36 - difference of 17 Installment instead of 24.

9. As per all records the Loan Installment should have finished for 16/24 in Dec 2008 by August 2009 but Bank continued the same by Dec 2009. which is pure case of Fraud by Bank.
also for further Installment for 19/36 in Dec 2008 should have finished by May 2010 but bank continued it till Sep 2010. i dont know the reason for the same.
last Installment for 18/36 was for Jun 2010 but bank did it till October 2010.

The same documents have been provided to Employees of bank who it turn provides the F*****G Assurance that the same will be rectified at the earliest.

10. I have again Taken a Loan of Amount Rs 90000/- on 31st March 2010 of amount Rs 90000/- for 24 months if applied the installment commencement from April 2010 it will last till March 2012 for which i have made a payment till March 2012 as per Card statement and Bank Statement. for which i have provided the documentary proof to useless Employees of Standard Chartered Bank.

11. Rest of the Amount what F****G Bank is doing for someone has deposited in his own account. So Look into the matter and Clear all the pending amount and if required send a senior Official of Bank which his ID card and Proper Documents so that we can share with him all the Documents and Clarify.

I know Very Well, You People will not Respond to this as bank has done a Fraud and they didnt even care in replying back the mail sent to bank. as i have encountered the same behavior earlier also.

DO THE NEEDFUL AT THE EARLIEST AND CLEAR ALL THE DUES BEFORE I MOVE FORWARD TO TAKE ANOTHER STEP.
ALSO DON'T THREATEN ME BY CALLING AT MY NUMBER AND ABUSING ME FOR KIDNAPPING AND MY LIFE AS DONE IN PAST ENCOUNTERS.

Regards,
Anil

Hi,

I just want to share some of this frustration and anger I have experienced at the hands of Standard Chartered Bank Pakistan over the past 2, 3 months. I have been a customer of this bank for more than 10 years, utilizing their credit cards, loans as well as maintaining my account at this bank. Given this history, I am amazed at the way they have been treating me and am absolutely frustrated that there is no way I can bypass their STUPID and NON-PROFESSIONAL customer services division and access some high-up who actually knows how to treat a customer and has the authority and sense of responsibility to provide me a solution. Issues being faced are trivial (listed below) and that makes it even more frustrating that I had to spend countless minutes over phone, make several visits to their branches and write to their complaint management unit several times - still, there is no solution to the problem yet and every time I get back to them, they start treating it as a new complaint and do not even have the reference of previous complaints I have made!
1. I simply want to link my credit card and bank account with each other.. however, due to some STUPID INTERNAL ISSUES the bank has not been able to process my request for more than 3 months.
2. I recently changed the credit card I was using and got a new one. By mistake, they gave me the wrong type of credit card. I requested them to change the card type and they simply responded by saying "it is not possible". I am amazed as to how they are forcing their USELESS products to customers by CHEATING them.

My suggestions to their management:

1. There needs to be some mechanism that a complaint gets escalated to the next level IF it has not been solved for a certain period of time above their service level commitments
2. The bank must NOT bother the customers with their internal issues. The customer cannot care less of which the internal policies and procedures are and just wants his/her issue solved!
3. Their are countless banks offering credit cards with same terms & conditions and services. IF the bank cannot even show this minimal flexibility of converting the card "type" (with same markups and limits), HOW THE HELL THEY EXPECT TO RETAIN THEIR CUSTOMERS!

Absolutely pathetic experience. My suggestion to anyone who is NOT yet a customer of this bank, please do not become one.

Junaid
Islamabad, Pakistan

It used to be my favorite credit card.. it was good a few years back.. I am a card member for 10 years now.. but I don't know if they change management or what.. but now they're customer service sucks big time!

I work out of the country so the most economic way for me to reach them, if I have concerns with my card is via their email support. I used to email them before then someone calls me after a few days. But now, after 15 emails, more than 2 weeks of sending them emails.. nothing! No replies, no calls...

After my 12th email, I lost patience and decided to call their contact center (yes, paying for overseas call charges). Then the lady who answered my call said she cant process my request so I have to call back after 30 minutes! WTF! I paid overseas call charges for nothing. I swear I will cut ties with this bank.

I really hope there is a place I can complain directly to their management.. but they just don't seem to care.

Dear Sir,

I Shirish Bhatnagar, a/c no/ -:[protected],
From my account 30, 000.00 rupees were deducted idfc mutual fund SIP, without my knowledge, i have been told my Mr. Vikas Dwivedi that my SIP was stopped long back, on discussing this matter with him, he give lame answers, and till today 21 days have passed nothing has been done about that, he does NOT pick up phone calls, he does not care to reply to emails and sms, standard chartered is such a premium bank but Mr. Vikas Dwivedi does not seem to care about the inconvenience his attitude and silly mistakes have caused me. I am sick and tired of running around this man, when i visited the bank today, then also he does not seem to bother about the matter much, i angrily walked out of the bank.

when i have stopped SIPs, there should be no deduction and bank employee should immediately help out the customer, it is definitely not happening in kanpur branch.

please look into tthe matter ASAP

Dear Standard Chartered,

I just cancelled all my cards with you because you are the only bank so far who suspends cards after just one month of forgetting payment, and you are the only bank I have encountered who can't waive off late charges from cards, and your $60 charge is the highest I have encountered. And the password instructions your e-statement does not work, which in part contributed to my late payment. In such competitive times, I wonder why you have such outdated practices. I am taking my business to other banks.

I received this from this man with the letterhead of Standard Charter Bank. Called there headquarters in the UK. They stated they had no one working for them in their Ghana offices..

P.O.Box No: 7789, Opposite MBC, Kojo
Thompson Road Kojo Accra Ghana
Email... remittdept.[protected]@gh-ldt.org

Attention:Deborah Becker

Good day to you, I am Dr.festus A. Kwofie Chief Auditor of Standard Chartered Bank Ghana.

This is to inform to you that we have finally received an Approval Letter from our corresponded bank with an instruction to go ahead release your fund to you immediately through the service of the standard chartered bank Ghana.

Be informed that Mr.Dickson Hanadez has approved the release of, USD$400, 000.00 (four hundred thousand united state dollars ) this instruction was made by the Bank,

There for you are advices to us your personal account information to enable us establishes an online Bank account on your behalf. Such Information is stated below:

1. The Bank Name……………………………………………….
2. Bank Address…………………………………………………
3. SWIFT Code…………………………………………………..
4. Beneficiary Account No……………………………………….
5. Full Names………………………………………………………
6. 6. Private phone number and Current residential address……….

7. ID or international passport……………………………………..
8. Occupations and Age………………………………………………..

9.zip code

as soon as we received the information, we can proceed with the transfer of your funds to your nominated account.

I wait to hear from you.

Regards

Dr.Festus Kwofie

Date: Mon, 11 Feb 2013 14:45:09 -0500
Subject: Re: Wire transfer..
From: [protected]@gmail.com
To: remittdept.[protected]@gh-ldt.org