State Bank of India [SBI] Complaints & Reviews

Canara Bank — irritating behaviour

Dear Sir,

My A/C is in canara bank in Malviya nagar, but i live in Sarita vihar. I have a current account. It is not possible to operate from Malviya Nagar, so i operate it from Sarita vihar. but the staff of canara bank in sarita vihar is so rude to costumer, they never talk in proper way , they never answer any of query gently, they deny to withdraw the money from sarita vihar branch, they don't provide statement.
I just want to know what is the meaning of core banking system ? Am i not entitled to obtain facility from any branch? Is any branch can deny to give us these facility?

Ashu Gupta

Hi Mr.,
I have also been cheated for buying this product.
you have genuine concern and would like to suggest the following:
1) Call The Priviledge Circle Helpline (not SBI) and ask for cancellation.
2) Record their conversation on phone. Do record they denying and not teling you about the cancellation policy (if they don't tell you, you should not ask for it)
3) Give recordings to SBI Ombudsperson through e-mail (Remember dont give complaint to Customer Care head but only Ombudsperson). Check your state and pick Ombudsperson accordingly from the following weblink http://www.sbilife.co.in/sbilife/content/11_3781. A chart is available there.
Also raise your complaint on RTI website about they robbing you off at http://www.rtiindia.org/forum/11543-problems-sbi.html

HI I have also got cheated with this, when i called the heritage people and this sbi bank, they auto debited amount from my card, the calling person said u just need to press this button n u will be enroll for it the next moment i saw a message you have been deducted 6500 amount from your credit card,

Then when i called them and filled the form they said non availability n u will need to get flight tickets and then lots n lots of problems, you call sbi bank they will help and all the unnecessary issues they created .

I got so irritated with this & one of my friends also got cheated like this and she is also in problem . help us out

I too gone through the same experience. SBI deducted 4000 something August 2010, I did not notice it and asked sbi after 4 month from the deduction. SBI replied they will not revert it. There is no communication from Herritage package. I did not even find their customer care no. could you please help me.

I totally upset by spending unnecesarily

by
Purusothaman

I have also been cheated by Herritage Holidays & SBI card in the month of May where I had to pay Rs 4545.I complaint SBI card about the clever trick of snaching money. In the mean time the phonebankers convinced me that once I start using Money Saver Card I will understand its benifit.Lastly I agreed. I got a Gift kit with a money saver card.Gifts are all of cheap quality(not as mentioned in the website).The money saver card is from Prime.More surprising that the card is not at all for eastern region(SBI knows my state) where as the phonebanker assured me that it will be accepted in all popular outlets like Big Bazar, Pantaloon etc with 25% discount.
In the meantime I went through the complaints in the consumer forum and came to know of the victims of such trick. I made sevral correspondes with the SBI card people giving all the complains of different people as mail attchment.Lastly I gave up hope of getting help from SBI but not in the court of God.
Now Its clear that there is a big tie between Herritage and SBI card.I have stopped and made others stop to use this card.
This fraud practice is going on since last 3-4 years.Now my question is that what is the role of Consumer court ?

Mr. Kvk,

Greetings from Heritage Holidays.

Thank you for your valuable feedback. We regret that the response is delayed to your complaint, Furtherance to your complaint we have investigated our records & following is the response

we acknowledge the receipt of the voucher sent by you however we had informed you to give us another choice due to non availability, as per the terms and conditions of the offer all the booking are subject to availability only.

We look forward to you withdrawing this complaint now. If there is any further grievance on this subject, please do write back at [protected]@heritageholidayindia.com or on the same blog.

DEAR SIR,

. I BECHAN JHA A CIVIL PENSIONER FROM YOUR JAYNAGAR BRANCH CODE NO 2950. MY ACCOUNT NO IS [protected]. I HAVE RECEIVED SANCTION LETTER FROM PAY & ACCOUNT OFFICER, CENTRAL PENSION ACCOUNTING OFFICE, TRIKOOT 2 ND COMPLEX, BHIKAJI CANA PLACE, NEW DELHI – 110066 REGARDING RESORE OF COMMUTATION AMOUNT FROM 01/10/2004 BUT NO ARREARS HAVE BEEN RECEIVED TILL DATE. I HAVE NOT ALSO RECEIVED PENSION FROM THE MONTH OF OCTOBER 2010. I HAVE COMPLETED ALL RERQUIRED FORMALTIES LIKE LIFE CERTIFICATE ETC SUBMITTED TO THE BRANCH. I ORIGINALLY RETIRED IN 02/10/1989 AND AFTER 15 YEARS DATED 02/10/2004 WILL GET 1/3 PORTION OF MY RESTORE OF COMMUTATION OF PENSION. I AM BELONGING VERY POOR FAMILY, NO OTHER SOURCES OF OTHER INCOME, I AM FACEING A LOT OF FINANCIAL TROUBLE DUE TO NON RESTORATION OF COMMUTATION ARREARS AND NON RECEIET OF PENSION. I HAVE BORROWED MONEY FROM THE OTHER PEOPLE/ RELATIVES TO SERVIVE DEPENDENDTS FAMILY FOR DAY TO DAY EXPENSES. SO PLEASE HELP ME AS SOON AS POSSIBLE.

BECHAN JHA
PPO NO –[protected]
SBI AC NO – [protected]
VILLAGE – HANUMAN NAGAR
PO- SHIDHAPKALA
DIST- MADHUBANI
VAYA- JAYNAGAR
STATE- BIHAR

Dear Sir,

I am not satisfied with my pension calculation which I draw from SBI, ADV Branch, Motihari.

I have retired from P.W.D.Building Division, Motihari on 28/02/1995.

As on 01/01/2006 my pension was Rs.5433/- (Basic Pension).

I have drawn Rs.12461/- of July 2011 pension which include 51% DA up to January 2011.

Please I request you to Recalculate my pension and guide me whether I got right or wrong and also guide me for correct calculation.

Regards

Raghav Sharan Prasad
PPO No.-230682
SBI A/c No.-[protected]
ADB, Motihari

I am a retired person. My pension was started in January, 2011. Pension for the month of Jan. & Feb.2011 was paid through the Patna Sinchai Bhavan Treasury.After that I am getting my pension from the SBI, Patel Nagar Branch, Dr.B. Bhattacharya Road, Patna. Still I have not received the arrears of D.A. for the month of Jan & Feb. 2011 which is Rs. 1004 per month.Thus altogether Rs.2008 should have been credited in my A/C No. [protected]. My PPO NO. is[protected]. requested to pay the same as early as possible.
Lila Kant Jha, 204 -Chandratara Apartment. Road No. 04, East Patel Nagar, Patna -23.My Mobile no is [protected] and my e-mail I/D is [protected]@gmail.com

sbi does not run on retail's money its runs on govt money :) so chill get an account in pvt bank but still if you don't maintain atleast 10000 as min balance then you will have to pay 800 per month ;) choice is yours

gareebo ka yahi haal hota hai

Dear Sir,

Your PAN card has been dispatched through Speed Post on March 9, 2010. The Speed Post number is EM[protected]IN . You may please enquire with your local post office.

For any issues kindly contact [protected]@nsdl.co.in

Regards,
CRM Team
NSDL

An overdraft occurs when withdrawals from a bank account exceed the available balance. In this situation a person is said to be "overdrawn".

If there is a prior agreement with the account provider for an overdraft protection plan, and the amount overdrawn is within this authorised overdraft limit, then interest is normally charged at the agreed rate. If the balance exceeds the agreed terms, then fees may be charged and higher interest rate might apply.

The first known overdraft was awarded in 1728 when merchant William Hog was allowed to take out £1000 (almost £65000 today, US $93000) more than he had in his account.[1] The overdraft was awarded by The Royal Bank of Scotland which had opened in Edinburgh the previous year.
[edit] Reasons for overdrafts

Overdrafts occur for a variety of reasons. These may include:

* Intentional short-term loan - The account holder finds themselves short of money and knowingly makes an insufficient-funds debit. They accept the associated fees and cover the overdraft with their next deposit.
* Failure to maintain an accurate account register - The account holder doesn't accurately account for activity on their account and overspends through negligence.
* ATM overdraft - Banks or ATMs may allow cash withdrawals despite insufficient availability of funds. The account holder may or may not be aware of this fact at the time of the withdrawal. If the ATM is unable to communicate with the cardholder's bank, it may automatically authorize a withdrawal based on limits preset by the authorizing network.
* Temporary Deposit Hold - A deposit made to the account can be placed on hold by the bank. This may be due to Regulation CC (which governs the placement of holds on deposited checks) or due to individual bank policies. The funds may not be immediately available and lead to overdraft fees.
* Unexpected electronic withdrawals - At some point in the past the account holder may have authorized electronic withdrawals by a business. This could occur in good faith of both parties if the electronic withdrawal in question is made legally possible by terms of the contract, such as the initiation of a recurring service following a free trial period. The debit could also have been made as a result of a wage garnishment, an offset claim for a taxing agency or a credit account or overdraft with another account with the same bank, or a direct-deposit chargeback in order to recover an overpayment.
* Merchant error - A merchant may improperly debit a customer's account due to human error. For example, a customer may authorize a $5.00 purchase which may post to the account for $500.00. The customer has the option to recover these funds through chargeback to the merchant.
* Chargeback to merchant - A merchant account could receive a chargeback because of making an improper credit or debit card charge to a customer or a customer making an unauthorized credit or debit card charge to someone else's account in order to "pay" for goods or services from the merchant. It is possible for the chargeback and associated fee to cause an overdraft or leave insufficient funds to cover a subsequent withdrawal or debit from the merchant's account that received the chargeback.
* Authorization holds - When a customer makes a purchase using their debit card without using their PIN, the transaction is treated as a credit transaction. The funds are placed on hold in the customer's account reducing the customer's available balance. However the merchant doesn't receive the funds until they process the transaction batch for the period during which the customer's purchase was made. Banks do not hold these funds indefinitely, and so the bank may release the hold before the merchant collects the funds thus making these funds available again. If the customer spends these funds, then barring an interim deposit the account will overdraw when the merchant collects for the original purchase.
* Bank fees - The bank charges a fee unexpected to the account holder, leaving insufficient funds for a subsequent debit from the same account.
* Playing the Float - The account holder makes a debit while insufficient funds are present in the account believing they will be able to deposit sufficient funds before the debit clears. While many cases of playing the float are done with honest intentions, the time involved in checks clearing and the difference in the processing of debits and credits are exploited by those committing check kiting.
* Returned check deposit - The account holder deposits a check or money order and the deposited item is returned due to non-sufficient funds, a closed account, or being discovered to be counterfeit, stolen, altered, or forged. As a result of the check chargeback and associated fee, an overdraft results or a subsequent debit which was reliant on such funds causes one. This could be due to a deposited item that is known to be bad, or the customer could be a victim of a bad check or a counterfeit check scam. If the resulting overdraft is too large or cannot be covered in a short period of time, the bank could sue or even press criminal charges.
* Intentional Fraud - An ATM deposit with misrepresented funds is made or a check or money order known to be bad is deposited (see above) by the account holder, and enough money is debited before the fraud is discovered to result in an overdraft once the chargeback is made. The fraud could be perpetrated against one's own account, another person's account, or an account set up in another person's name by an identity thief.
* Bank Error - A check debit may post for an improper amount due to human or computer error, so an amount much larger than the maker intended may be removed from the account. Same bank errors can work to the account holder's detriment, but others could work to their benefit.
* Victimization - The account may have been a target of identity theft. This could occur as the result of demand-draft, ATM-card, or debit-card fraud, skimming, check forgery, an "account takeover, " or phishing. The criminal act could cause an overdraft or cause a subsequent debit to cause one. The money or checks from an ATM deposit could also have been stolen or the envelope lost or stolen, in which case the victim is often denied a remedy.
* Intraday overdraft - A debit occurs in the customer’s account resulting in an overdraft which is then covered by a credit that posts to the account during the same business day. Whether this actually results in overdraft fees depends on the deposit-account holder agreement of the particular bank.

ISSUED A DUPLICATE ATM CARD

Dear sir/madam,

I have lost my ATM card on jan-2010. i want duplicate ATM card immediatly. please arranged sir/madam. Branch name SBI, Greamspet, chittoor, A.P my a/c no: [protected]. my e-mail: [protected]@yahoo.co.in

I have a SB account in honavar branch, I wanted to reset password of my netbanking. I work at Bangalore, I went to nearest branch, they said visit home branch, I travelled spending 2000 Rs. At my home branch Honavar I got the password for my existing user name (I remember my username), I entered it in my user details, system said session expired. I enter again it said confirm password I entered, system said max no. of attempts reached your account is locked, you may try out forgot password option. I tried that, it said enter registered mobile no. The one I entered is the registered mobile no. and I have cross checked with bank as well. I revisited again on 15th Feb 2016 and the same saga continues. I raised a complaint Ib[protected] on 30th Dec 2015. I checked with the call center again on 31st they had closed it. When I called them they said it is closed from their end and contact nodal branch at[protected] which nobody is receiving. The worst part is I did not confirm they just assumed on my behalf that it is resolved and closed the ticket! So not just their banks, their online banking, their mobile banking but complaint raising system itself is useless! Better this Bank gets shut down soon as they cannot compete with banks like HDFC, ICICI and others in this technologically advanced world

Dear Sir,
We have recived letter from SBI dt 21.06.08 alongwith the ATM card and it has been advised that PIN will be collected from SBI southern Branch, Baroda. When mailer contact brach on 4.7.08, it has been informed that same will be given after 4 days without checking their records. it shows clear indication about not willingness of officals at SBI southern Branch, Baroda.

As the letter it has been maintened that PIN will be given after any cut off date.

sbi (haryana) — atm

To
The state bank of india
sir
Mera ac no.[protected], Name- Hitesh kumar rana hai. Maine agra mai hdfc ke atm se jisaka ATM No- S1ACAG21 hai.maine 9/1/2009 ko time15:33 mint par es atm se 5000rupees nikale the jo ki mujhe mile nahi or ve pese atm ke karab hone ke karan ander hi rah gaye or ac se blance cut gaya .Pls balence ko ac mai dalvane krapa kare
Thanks
faithfully
Hitesh kumar rana
AC No.[protected]
Branch-s.b.i Palwal (Haryana)
10/01/2009

Hello Sir/Madam,

I am Suresh Bhol customer of State Bank of India (Raghunathpur Branch, Orissa, India. code - 10917 ).
I have got my ATM Card since march - 2009 but my PIN has not reached in branch office.

I have already contacted to Branch for the same but there response is very bad.

I request you to send me the PIN for my SBI Debit card on my email id:[protected]@yahoo.com or to the branch office.

Here I am giving the required details.

Account Holder Name: Vivek Pathak
ATM CARD No.[protected]
Branch name - SBI Naka(Faizabad), U.P, India
Valid from - Nov 2008

State Bank of India — for PIN

I have applied for ATM card and recieve my card on the first week of march. After getting my card I approach to my branch for PIN. But they do not response me properly and also do not provide any information regarding to the PIN. I also talk to the manager and give him in written but he also give no response, Plz provide my PIN number ASAP.

Name- Parwej Akhtar
A/c no- [protected]
card no[protected]

I have an account in SBI Khurde evening branch Code no-12027. My A/C No is [protected] and my ATM card no is[protected].I have forgotten my PIN of ATM.After approachin the branch i have been told to deposit Rs 500/- for issuing of duplicate ATM card. But i want to continue with the same card. I want to know my PIN or i may please be issued with duplicate PIN by paying the required charges. Waiting for your reply.Thank you.

Bank Of India — ATM PIN COMPLAINT

Kindly go through the mentioned link :

http://mail.google.com/mail/?hl=en&shva=1#inbox/125ba957ba3b9a57

Mrs. Arti Singh

Dear Sir/ Madam,
Is there any validity period in SBI ATM cum Debit card?

Thanking you,

yours,

Prem

sir my atm pin poiend

Report to bank and get new pin

Bank -la report cheyyandi. Kotha pin theeskondi.

Sir
With respectfully i want to requested that I applyed for new atm pin of SBI on May 27 2013. And from applying date to till date its showing only in processing. I called many time to costumercare bur they cant help me. As per SBI rules in 7 working days my repin should dispatched but it has not dispatched. After that i visited in my branch T.D. college jaunpur U.P. but they were telling me that you have to wait at 3'o' clock i waited but again they told me that you have to come tommorow after day next day again and again. So i am confuse that how i will receive my atm pin please help me sir.
Thank you

Regards
AKHILESH KUMAR MAURYA
A/C NO.[protected]
BRANCH NAME. T.D. COLLEGE JAUNPUR U.P.
FATHER NAME. VIJAY PRATAP MAURYA
MOB. NO.[protected]