State Bank of India [SBI] Complaints & Reviews

my credit card number [protected] i paid more than the desired amount for 2500/- on[protected]. Despite my payment before the due date that is[protected] i am receiving mistirious and humiliating calls from sbi credit card division chennia for every 2 or 3 mins. some times i am receving calls even with out a gap of 5 secs between two calls from different phone nos from chennia from different people annoying very much and giving suspecion for the amounts already paid in their branch at vijayawada(this is advised by the sbi credit card division chennia). i am repeatedly furnishing the reciept numbers for the payment made.(reciept number 12572859 /256765). inspite of giving full information to the staff of sbi creidt card division chennia the staff members are pressing us for making payment with humiliating addressing and giving annoyence. this is most regretable to inform you this. the staff of credit card division are not taking any kind of responsibility but the payments made by the customers but torcharing the customers mentally with their repeated questions, giving calls even with out a gap of 2 mins and disturbing us all the time during the day and night. this torcher starts from morning 7.30am and till 11 o clock night. we have no other go to explain this torcher to you. we wait wheather you take action against them or not. more over i wish to inform u that the payments made on[protected] were not taken into consideration in the statement generated on[protected] but the interests they have computed on[protected] were brought into account. this is most mischevious. even during october 2008 i received calls till[protected] inspite of information that is receipt nos furnished repeatedly. i wish to inform u i am not receving the statements properly with the payments made on the dates actually made. will u please inform me the current status. The local branch at vijayawada is also not functioning promtly. this is for your information.

Dear Sir
i have deposited Rs. 50600 cheque dated on 6/10/2008 in Himatnagar branch. but it is not cleared in 15 days. when enquired in bank, replied was it will take app. 30 days.
but it is not cleared till now ((after 40 days).
now nobody is listining in bank.
please suggest me what to do.
Sanjiv Gupta
Vadodara (Gujrat)

Sub: My Card No 4006xxxxxxxxxx443


I have been using the above SBI card for a few years. In the month of July 2008 I realized I will be charged annual fee in case of renewal & requested for cancellation of the card. Since I had made some extra payment, I requested for a refund of the same & was informed withing 30 days the same will be sent to my billing address.
In the month of Sept I realized I have not received the payment & again logged a call & was informed that there was some problem with the system & the same will be processed in the next 10 days. However, even after this nothing happened & I received a call in the month of Oct 08 requesting me to continue with my card & a new card will be issued without any annual fee & the entire amount will be reflected as a credit in my statement. SBI being a very reputed bank, I fell trap for this ploy & accepted the offer. I received the card with No 4006xxxxxxxxx110 & tried to register the card as per the instruction given in the kit, with a confirmation that within 48 hrs this card will be activated. I tried to use this card for some payment & was declined, this was the most em brassing moment for me !. I called up SBI again and lodged a complain & was informed that this will be activated shortly. Even after this nothing happened & last week again I tried to register the new card & again got a confirmation message that this card will be activated in 48 hrs.
So far this card has not been activated & when I called up the help desk today & requested for the status, he tried telling me some story starting from oct 08. I immediately requested him to cancel the card, he gladly accepted the offer ( looks like SBI does not want good customers who pay on time) with a reference No[protected].
I hope I will receive my overdue amount without further delay. If I delay the payment, SBI charges 36% interest, now the payment is overdue by 3 months & I wonder how you will compensate !
It is a pity that such a reputed bank like SBI, has handled a customer so carelessly without any concern.
I only hope such a situation does not repeat to some other customer !!

Sir i am netbanking user in state bank of india.Sir i have already registered my mobile number online still i have not getting mobile alerts.i have contact sbi customer care so many times but i am not getting any response.how my mobile alerts will activate i want to know.

Bangalore
14 Nov 08

From,
Kalva Sreedevi

Sub:- GRIVENCES SBI CARD BILLS: [protected]


Dear Sir/Madam,

This is with reference to your letter dated 06 Oct 08 received few days back regarding outstanding dues of Rs.872.13 in my SBI Card.

I would like bring few facts to your knowledge which are as follows:

1. Reference to my previous E-Mails dated 22 Aug 08 (Response Case ID=[protected], 28 Aug 08 (Response Case ID=[protected] requesting you for final settlement of my SBI Card dues.

2. After having a discussion with customer care executive about the outstanding balance as on the day, I have made the Payment of Rs.11, 064/- vide State Bank of India Cheque No.006790 dated 31 Aug 08 and same was cleared from my account on 04 Sep 08. At the same time I have also destroyed my Credit Card as per the directions provided by the customer care representative for terminating my account. Request for final settlement was already made through E-Mail dated 22 Aug 08.

3. There after I have only received two statements on 23 Sep 08 and 09 Oct 08. In both statements there was no information about Payments made. Above that Late Payment Charges were only mentioned.

4. Recently a letter received dated 06 Oct 08 about outstanding dues of Rs.872.13 in my SBI Card which made me surprise and when I spoke to SBI Credit Card Customer Care executive she answered “We have received your payment after due date and we have not received any request for closing your Account”.

5. Once, I have cleared all my dues as on 31 Aug 08 including all late pay charges and destroyed my card How I am being charged without making any transaction?

6. I would like to tell one more experience during the year 2006 for a Cheque Rs.600/-from Kotak Mahendra Bank was cleared by SBI Credit Card and not mentioned in any of the statements. For that also, I have repaid the amount of Rs.600 along with late pay charges. I am having the proof for the same and several requests were also made to Customer Care to resolve this issue went in vain.

7. During my entire period since day one, I have been paying each and every Rupee correctly to SBI Credit Cards. But still these kind of Issues occurs which would spoil the image of the Organisation as well Customer’s Mental Peace.

8. Now I don’t have any other option other than approaching legal authority to resolve these issues.

9. Kindly help me out in this regard and get me relief from SBI Credit Card.

Yours faithfully,

With Sincere Thanks

Kalva Sreedevi
Contact No:[protected]


Enclosures :E-Mail dated 22 Aug 08
Sub:SBI Card Issue
Friday, 22 August, 2008 11:37 AM
From:
"kalva sreedevi" <[protected]@yahoo.co.in>
To:
feedback.[protected]@ge.com
Bangalore
22 Aug 08
From,

Kalva Sreedevi
P-144/3, NP AREA
Jalahalli-East
Bangalore
Sub:-FINAL SETTLEMENT OF SBI CARD :[protected]

Dear Sir/Madam,

I am Kalva Sreedevi holding SBI Credit Card since 3 years. For the last three months i have not received any statements from SBI Cards. Recently i have received a letter from your organization regarding the outstanding payment clearance immediately. Till the month of May 2008 i had been paying the minimum amount Rs.500 / per month before due date 26 of every month.

Now i would like to request you to inform one of your representative to contact me at my mobile [protected]. Further I would like to go for final settlement from SBI Cards and i am ready to clear the entire amount immediately with respect to your representative contacts me. As i have also noticed in the letter received from SBI, Late Payment Charges are being added every month. Excluding this 03 months late payment charges, i am ready to pay all my previous dues with interest immediately.

Due to personnel problems i am unable to contact you on telephone.

Kindly Contact me at the earliest to do the needful from your end.


With Regards
Kalva Sreedevi
<AUTO> 'CaseID=[protected]' SBI Card Issue
Friday, 22 August, 2008 12:03 PM
From:
"feedback.gesbi" <feedback.[protected]@ge.com>
Add sender to Contacts
To:
"[protected]@yahoo.co.in" <[protected]@yahoo.co.in>
Dear Sir / Madam,
Thank you for writing to SBI cards.
We acknowledge the receipt of your email and we shall revert to you through call or email within 7 working days.
We hope that you have mentioned the card / account number along with contact number/s in your communication, incase you have not, we would request you to please resend your correspondence on the same e-mail ID, without altering the subject line.
Assuring you of our best services at all times.
Warm Regards,
SBI Cards Team
Sub: Reminder for Payment Collection: E-Mail dated 28 Aug 08
Flag this message
<AUTO> 'CaseID=[protected]' Reminder for Payment Collection:
Thursday, 28 August, 2008 5:02 PM
From:
"feedback.gesbi" <feedback.[protected]@ge.com>
Add sender to Contacts
To:
"[protected]@yahoo.co.in" <[protected]@yahoo.co.in>

Dear Sir / Madam,
Thank you for writing to SBI cards.
We acknowledge the receipt of your email and we shall revert to you through call or email within 7 working days.
We hope that you have mentioned the card / account number along with contact number/s in your communication, incase you have not, we would request you to please resend your correspondence on the same e-mail ID, without altering the subject line.
Assuring you of our best services at all times.
Warm Regards,
SBI Cards Team
-----Original Message-----
From: kalva sreedevi [[protected]@yahoo.co.in]
Sent: Thursday, Aug 28 2008 4:49PM
To: feedback.gesbi [feedback.[protected]@ge.com]
Subject: Reminder for Payment Collection:
Dear Sir / Madam,

This is with reference to my previous e-mail dated 22 Aug 08 and your auto-response dated 22 Aug 08. Till today no representative from your side either contacted me or visited our house for payment collection. So, i once again remind you people to contact me at the earliest and collect my due payment.
Thank You,

With Regards
K Sreedevi
Mobile:[protected]/[protected]

In the month August 2007, I was approached by one Sri Pranjal Deka, Team Leader, SBI Cards, Guwahati (Mobile no:[protected] who offered me a SBI Credit Card. Because of the SBI Brand Name, I agreed to his offer and signed a form in anticipation of receiving a credit card. However, I did not go through the details in the form and instead relied on the SBI Brand Name.
To my surprise, I was sent a Draft no:195652 dated 01/10/2007 drawn on State Bank Of Travancore for Rs: 6000/- forwarded by a letter signed by Sri Ajay Bharti, Assistant Vice President-Services, SBI Cards & Payment Services Pvt. Ltd, Gurgaon. The letter referred to A/C No/Card No:[protected], but, I had not received any Credit Card from SBI Card nor had I made any request for ant amount by Bank Draft or any other means.

Therefore, I returned back the above mentioned Draft no: 195652 dated 01/10/2007 drawn for Rs: 6, 000/- to SBI Card and Payment Services Ltd., DLF Infinity Towers, Gurgaon-122002 by DTDC Courier & Cargo Limited vide consignment no:*K 24790573* despatched from Guwahati 30th October 2007.

After a period around 15 days, I received numerous phone calls from one Mr. Arun Desai who identified himself as SBI legal Department, Delhi from Ph no:[protected]. Though, I explained to him that I had only applied credit card and did not make any request draft amount Rs: 6000/- and that I had therefore returned the Draft, Draft no: 195652 dated 01/10/2007 for Rs: 6000/- back to SBI Card and Payment Services Ltd., he continued to threaten me with legal action as I had a signed a form.

The threatening and insulting calls from Arun Desai, Advocate, SBI Legal Department, Delhi and his collagues continued for next 7-8 months, Even though I had not made any financial transaction through SBI Card, out of sheer frustation, helplessness and confusion, I agreed to a one time settlement of Rs: 6500/-. Accordingly one representative of State Bank of India Card collected the amount of Rs: 6500/- from my Office in Assam Secretariat, Guwahati, Assam. SBI Cards Money Receipt no: 11872684 dtd: 15/07/2008.

Subsequently, I received a letter dated 22/07/2008 from Manager-Payment Assistance, SBI Card, SBI Card & Payment Services Pvt. Ltd., Gurgaon, Haryana, dtd: 22/07/2008 wherein it was confimed that on payment of Rs: 6500/- there will be no more dues in respect of my account and that this is a one time full and final offer.

Shockingly, I then received a Demand Notice ( Ref no: QL/150/10-oCT-08/42804 DTD 10TH oCTOBER 2008 FROM sRI rAJEEV aGARWAL (aDVOCATE), lAWYERS iNC., REPRESENTING SBI CARD WHEREIN I WAS ASKED TO CLEAR OUTSTANDING DUES OF RS:6279.75/- within 7 days failing which legal proceedings would be initiated under Indian Penal Code.

The above sequence of events makes it clear that SBI Card took undue advantage of our faith and goodwill towards State Bank of India. SBI Card had also used fraudulent means to take advantage of a common man's tendency not to read the fine print.

Moreover, inspite of not receiving any credit card, and returning the Demand Draft of Rs: 6000/- I had to make payment of Rs: 6500/- only under extreme pressure and threats issued by SBI Card. Even then I have now been issued a legal notice.

In view of the above, I request you kind intervention in the following.
1. Refund of my payment of Rs: 6500/- which I had made no financial transaction through SBI Card.
2. Withdrawal of all proceedings legal or otherwise in my name
3. An explanation of the whole matter and on assurance that our goodwill towards State Bank of India will not be misused against us in future.

I will be grateful for an early reply from your end.

i applied for sbi credit card in the m/o sept.2008. my application no. is[protected]. but till now i have not received my card. what is the problem and when i get?

I got my internet banking Kit on 08 oct 2008 but still not working.
The support provided in the page of Onlinesbi.com is very poor. The support from the branch is not satisfactory. My account number is [protected]. Please do activate my account online as soon as possible.

Dear Sir,

Iam Komal Khare, on 11november 08 evening arround 3.45 p.m. i was booking My online E-Ticket from website: www.irctc.co.in, from Surat to Bandra Terminus from Train Dehradun Express (Train NO. 9020), i've gone through all the formalities while booking my E-Ticket I've chosen SBI ATM Cum Debit Card for making Payment of the Ticket, After filling all the entries in the particular payment page i.e. ATM Cards no., Validity Period, Card holders name & Pin No., I've clicked the PAY option and suddenly the next page was ERRORED.

So, i was unabled to get my ticket & to know the PNR no. And the amount of that E-Ticket which i've payed through my SBI ATM i.e. 160 Rs. is also debited from my SBI Account.

Kindly check on this matter and send me the scan copy or screen shot of the bank statement to pursue the matter.

Or Credit the full E-Ticket amuont i.e. Rs. 160 to my a/c at the earliest.

my A/C no. is[protected] & ATM Card holders name is Komal Khare.

Appreciate your kind assistance.

Please block my brother SBI Debit card
Name:Ravi Kumar Singh
a/c no.[protected]

To
The Manager
SBI card
Sub :- Regarding remaining amount

R/ Sir

It is submitted to you that, I am the holder of SBI card number [protected] . I had purchased of Rs. 999/- and paid Rs 1100/- against that purchasing. But your message on my mobile shows remaining amount is Rs 1317.39.
Sir, it is brought into your notice that. I have not received your bill, E –mail message or SMS for minimum installment to paid in time. Hence I have paid Rs 1100/- in two installment ( Rs 600/- & Rs 500/-) within three months. After all your message dated 13/11/2008 shows the remaining amount is Rs 1317/-, I think, this is the high level cheating. Private money lenders also take the 2% interest monthly.(Flatly Rs 60/- for three month on Rs 1000/-) In such situation your SBI card is not affordable for low budget salary holder.
It is request to you that please look into this matter and give me the justice as I will continue to use the SBI card. Otherwise it is request to you that please discontinue my SBI card.
Submitted
Yours obedient

Rajendra D. Rautkar
(SBI Card no. [protected])

dear customer care dept

with due respect, I ms.lucky gogoi, account holder in SBI, GMC branch, guwahati-781005, assam, would like to state that on 04/10/2008, i have withdrawn Rs.20, 000/- using my ATM card[protected].My savings a/c no-[protected].

My account shows debit of Rs.45, 000/- instead of Rs.20, 000/- on date 04/10/2008.My ATM Card being cash plus, allows a maximum withdrawal of Rs.40, 000/- per day.Moreover, I have not withdrawn the rest amount of Rs.25, 000/-.Though my account statement shows it, I am confident that it is false withdrawal.

I, therefore, request you to kindly look into the matter and do the needful as soon as possible.

I have already put an application with the branch
thanking you
regards
Lucky Gogoi
[protected]/[protected]

My SBI Account No. is [protected] in EAST STREET BRANCH PUNE. I deposited Rs. 40000/- amount Demand Draft No. 071699 dated 05/09/2008 in East Street Branch Pune for collection on 07 Oct. 2008 as the same was in my name but payable at Dhule. (I transferred my above account from Dhule to Pune as i was transferred from Dhule to Pune). Till date i.e. 11Nov. 2008, the amount is not yet credited in my account. Bank officials of Pune (Mrs. Vidya) are giving lame excuses. Dhule officials are not ready to talk. As i was in URGRNT need of money, i had to borrow at high interest rates duee to default by SBI in crediting my account. I want interest for delayed credit and action and compensation for the mental agony faced by me.

DEAR SIR /MEDAM MY SELF I ALTAF MAJID HARA SBI CREDIT CARD NO. [protected] CREDIT LIMIT 20000.00 EX. 9/2011 IS CARD KO HAMNE PEHLI BAR USE KIYA 19975 27/09/2007 KO AUR ISKA PAYMENT HAMNE REGULER BHARA 3/11/2007 KO US KE BAD HAMRA CARD BLOCK KAR DIYE FIR BHI HAMKO INSURANCE KE CHERGE KA STATMENT 2 MAHINE TAK AAYA FIR BHI HUMNE INS. KA PAISA BHI PAID KIYA AUR CUSTOMER CARE KO BAHOT BAR COMPLAINTS KARE HAME KOI BHI STISFIED JAWAB NAHI MILA HUMNE PUCHHA HUM REGULER CUSTOMER HAI FIR HAMARA CARD BLOCK KIYU KARE FIR BHI HUMKO KOI BHI REPLY NAHI MILA MERA PAAS OTHER BANK KE BOHAT CARD HAI ICICI BANK CARD NO. [protected] CREDIT LIMIT 100000.00 (2) HDFC BANK CARDNO. [protected] LIMIT 100000.00 (3) CITI BANK CARD NO. [protected] LIMIT 93000 (4)BARCLAY CARD NO. [protected] CREDIT LIMIT 81000.00 (5)AXIS BANK CARD NO. [protected] LIMIT 75000.00 (6) AXIS BANK GOLD PLUS CARD NO. [protected] LIMIT 70000.00 AB AAP IS COMPLAINT PAR PURA DHIYAN DIJIYE ME APSE REQUEST KARTA HOON AGAR SBI KO CARD NAHI DENA HAI TO BHI MUJE BATA DIJIYE AUR AGAR DENA HAI TO APKI MERBANI HUM IS MAIL KE JAWAB INTEZAR KERANGE AUR UMEED KARENGE APKA FAISALA ACHHA HI HONGA MOB. [protected] THANK YOU

Dear Sir
I am Biraja K das bearing card no-[protected] . Since last few months I am not geting regularly my e-statement through my e mail id. This month also Till today I have not received my satement.
Please do the needfull for sending the bill immediately by which I can pay the bill in time.
Thanking You

BR
B.K.DAS

I am Employee of State bank of Inida Fatehgunj, vadodara branch I have droped cheque no.318924 dated 07/10/08 for Rs -3, 0000/- in my branch"s drop box but till to day it is note presented in my branch. SBI CARD HAS CHARGED ME RS 300 /- As cheque dishonour fee on 15/10/08 as per statement. Please refund me as I have already paid Rs 4, 000/-

dinesh valand
sbi f g Vadodara...

Respected Sir,

I am S.Richard Prabhu Gnanakan from Karaikudi-Sivaganaga (DT), I am doing Ph.D in Alagappa University. My native is Poondi (PO)-Ariyalur (Dt), Tamil nadu. Actually my problem is...


I have the SBI account in the Ariyalur Branch-Tamilnadu. I have taken 20, 000 (Twenty Thousand) only from my account on 5.10.2008 (Sunday) at Ariyalur Branch ATM service. I used the transaction two times by ten thousand in each transaction, in the first transaction the balance voucher showed me correctly. After the second transaction the amount debited twice in times from my account. So that i filed a complaint on 6.10.2008 (Monday) to the ATM incharge in the same Branch, he told me that within 15 days the amount will be added to your account, no problem and now you can go like that he told me. Yesterday i verified my balance, still there was not added the money 10, 000 (Ten Thousand) in my account. Now I am in so mentally stressed about this problem. Kindly give me the solution to this problem.




My SB Account number is: [protected]
My ATM card number is:[protected]



--
S. RICHARD PRABHU GNANAKAN Research Scholar, Department of Industrial
chemistry, Alagappa University, Karaikudi – 630 003.

State Bank of India is one of the largest Commercial Banks in India. A few years back, I had notified the Bank that there was an indication of a software bug in their “Senior Citizen Account Software” and it was resulting in an excess of 16% being charged on the expenses account in the Bank compared to whatever interest was due to be paid to a customer. ie. For every RS 100 paid to the customer, RS 116/- was debited to the charges account. This was based on the observation of two accounts in one of the branches which was stated to have similar problems in 70 more cases. I had then notified the Bank that this was indicative of a possible fraud amounting to nearly R 8000 crores. I had also suggested that there was a need for software audit to eliminate the problem.

To the best of my knowledge nothing has been done in this regard though there was a public statement at that time from a DGM that it was due to a software error and would be corrected from the following accounting year.

Since last April, I have been indicating to SBI Cards division that there is a likelihood of a malicious software code in their Credit Card processing system which is claiming excess amount from the Card holder. I am enclosing an extract of a statement (Please see the statement here http://www.naavi.org/cl_editorial_08/sbi_card_april_17.jpg) from a Card account which shows a simple one month statement of expenses including transactions booked internally by the Bank. According to simple arithmetic, the statement adds up to indicate a net amount payable by the client to the extent of Rs 4678.02. However, the Bank indicates an amount payable of Rs 9453.42.

Unfortunately, over the last 6 to seven months, the Bank authorities have not been able to sort out the issue of how the statement shows an amount of RS 9453.42 payable instead of RS 4678.02.

The matter has been reported to the Chairman as well as the Banking Ombudsman. Their intervention has also been ignored by the Card division which is acutually subcontracted to the GE. The software engineers who are managing the division are not able to accept the manual arithmetical calculations and have been maintaining “What is shown as the amount payable in the top right corner of the statement is what is payable”.

They seem to think that if their Computer says 2+2 is 5, then it must be correct.

If this is the level of intelligence of the staff members, if the customer’s money in the Bank safe? Can the shareholders of the Bank trust the management of the Bank for safeguarding the investor’s interest?

As an Information Security observer, it appears that the software of the card division has been fraudulently manipulated and at certain conditional fulfillment, it charges customers an amount higher than what is payable. We need to know the other end of this transaction whether the money is being dumped within the Bank as additional profit or is being siphoned off by any individuals. There is a distinct possibility of a fraud of large proportion involved in the incident.

This being the second incident in which a potential fraud in SBI has been brought to the notice of the public, I hope that the top management of the Bank would realise that they may be liable for negligence in not taking appropriate action.

This matter is being brought to the public notice since scores of e-mails and several registered letters to the card division have had no impact.

In the interest of public, it is necessary for a CBI enquiry to be ordered to conduct an audit of the software used for card processing. Until then the card division should suspend its activities.

I urge all customers of SBI cards to check their accounts regularly, add up the card usage and check if the amount shown as payable in the statement is correct.

vijayashankar

Dear Madam / Sir,

I am holder of SBI credit card no [protected], a policy was issued me in feb.08 without my permission on behalf of my credit card.
After 03 month, in may 08 I got a statement & surprissed to see the billing amount.
I given a ring to sbi customer care regarding the cancellation of such policy, a lady told me it is okay we will cancel it then I ask her complent no, she told me don't worry we are recording your voice.
after 02 month I got another statement, the amount was around Rs.13000 while i have not made any purchase.
I called again customer care then I got a reply now time has been over, policy can not be cancel.
Then I send a e-mail to gesbi regarding cancellation the policy.
In next statement they cancelled 01 policy out of 02, the total amount was around Rs.7000.
I send again a mail to gesbi, but not getting any satisfactory reply from them.
today I got a call from SBI & she was telling me that total outstanding is around 15000/.
I could not understand how it can increase ( from 7000 to 15000) in 2 months.
Daily I am getting call from sbi & they r talking me in very rough language.
So I request you please take necessary action.

Regards

Deepak Kumar Verma
[protected]

Kind Attn: Mr. Ajay Bharti

This is to inform you that my wife Mrs.. Bhavna Bhatt alias Bhavna Bhatt holds an SBI card. The card no is
[protected]. Now coming to the issue, this card along with other six different banks card had been issued to her long before our marriage. In June 2005, we got married and she changed the billing address of all the cards including SBI card. All other cards took 6 to 7 days to change the address, this included the time for address verification. But till date SBI card address is not changed. We made around 78 to 80 calls in 2005 to the call center but every time I was given assurance, but the result would be same. Some of that call was made from STD of which the bill is still filed with me. Then I called up your Delhi Office, they told me to contact Mumbai Office at MIDC, Andheri East, and submit a formal application with a guy named Rajesh. Did that, even have acknowledgement of that letter, but the result was same again. Cutting it short, submitted around 13 application in that office but the result was same as expected. In between these time our payment history became pathetic because we would not receive any statement. Even tried changing address from this website but...same result. The service standard is really pathetic (Sorry to say u but thats the truth). I have made file of all these and even showed it to collection boys to let them tell it to their boss. The bill used to reach at my In-laws house of which sometime I used to get the details but most of the time, it never reached me. The real problem started when in the early 2006, my in-laws changed their residence. After that, I never ever received any statement. I only made payments in between when someone called me for payment. I used to request them to change the address like a beggar does for a penny. But I was given only assurance. So no payments were made from side. I always intended to pay the amount but was really helpless. You can check the difference of payment status before and after June 2005. I didn't receive any call or anything from SBI but since last few months, Me and my wife are receiving calls from SBI as they are trying to convince me to settle down. The caller name is Ajit, Ajay and Arif. All the three guys are same, I mean he is the guy who is changing his name and calling up. One can easily make it from the voice. First they convinced me to settle the account for which i insisted to change the address and then will do so. But as my wife was fed up of these nonsense, she told me to settle the account. That guy told me to pay Rs.3000 in cash of which I will receive the receipt from Delhi court since the matter was under legal dept. I was unaware of the truth and didnt knew the settlement rule, so I had no option other than to give him the cash to the collection boy named Mithilesh Yadav. He even made me talk to his senior. But I laid one condition that only if I get the receipt, I'll clear the cheque of Rs.10000 which was the first instalment of the settled amount (Rs. 20000 was the settled amount in two instalment of Rs.10000 each). Much to my amazement, I didnt receive the receipt, so I didn't clear the receipt. This happened to me for the second time. Once in the November 2007, a guy called up asked for the minimum amount of Rs.1700 to be paid for which he gave me the receipt as well. After two days of paying the amount of Rs. 1700, I received a call from SBI Mumbai asking me to make a payment of Rs. 1700, when I told them that i've already done that and told the name of the collection boy, their answer was that the guy had left the job on the same day and took sbi receipt with him and collected couple of payments and absconded. They were not ready to take the blame and pressurised me to make the payment but i didnt succumb to their pressurisation. Altogether till date Rs. 4700 has been duped by SBI. Nowadays, couple of rowdies (I'm using this term after hearing the way they talk) are calling me and my wife and using foul languages and asking me to make the payment otherwise they are going to sell my wife and recover the amount. Is this the way an employee or an outsourced employee of your company talks. Could you please let me know where is our fault? If you want I can send you the photocopies of all the relevent document of address change procedure through which I went. Its has got everything to prove myself right. If you at any point feel that I am saying all these because I want to avoid payment, then for your kind consideration, I can even send you the payment history (statement) of my 9 cards and my wife's 7 cards. I was thinking of clearing the dues but now I'm only going to make the payment as per the statement of June 2005.I dont even need any instalment, I'm capable enough to pay lumpsum. I dont want any settlement. All those interest levied on me was not because of my mistake. It was SBI's mistake. Due to these sevice standard, all my and my wife's friends cancelled their SBI card. I wonder, how your company can take this negative publicity. Please do me one favour, Kindly take my matter to the court of law, where i'll be in a position to represent myself. I am seriously considering to opt for Banking Ombudsmen or Consumer court since at SBI no one is competent enough to come up with the solution and as far as abuses from your employee are concerned, have already made a police complaint of that. I didnt wanted to go this far because I dont have time to do all this but now after this mental torcher, I am determine to take up this issue until there is some concrete solution. I was proud of the fact that I dont get angry and no one has the ability to make me angry, whatever the situation may be. But this proudness of mine was shattered by SBI. I'm really angry. The height of patience of mine has been crossed by SBI.

Please reply back with what you think I should do. I seriously don't need any solution, just want to know, what you would have done if you would have been at my place.

Awaiting your reply at the earliest, though I know I wont get any reply from your side but still there is still some hope left

Thanks & Regards,
Rajeev Jha

( The above statement has also been sent to Mr. Ajay Bharti, Head Customer complaint cell, SBI Card on 17th October 2008 but still there is no reply from their side even after sending them reminder. Website says that the complaint would be taken care of in 3 days)