State Bank of India [SBI] Complaints & Reviews

sir, I Abhishek Tibrewal residing at c/o hardware stores, mahagama, godda, jharkhand-814154, went to sbi atm on 10/8/2009 to withdraw cash and saw two false transactions of rs. 500 and rs.100 on 9/8/2009. i called about this to[protected] and reported the matter but cannot solve the matter yet. my atm card no. is[protected]. please solve the matter. for further information you can call me at [protected] or mail me at abhishek98.[protected]@gmail.com .

Dear Sir,
I have lost Rs.16000/- as it has got debited from my account after i tried to withdraw the amount (Rs.8000/- twice) on 9th May 2009 in the Corporation Bank ATM using SBI ATM Card. Immediately made complaint and i was told to wait for some time. Waited and followup and again i was tol to wait upto 3 months. Now 3 months are over. No action has been taken. Here is the details.
Name : Siddayya M Swami
A/c No.[protected]-6
Branch : SBI Mookandapalli, Hosur (Branch Code 1575).
ATM Tried: Corporation Bank ATM, Attibele, Bangalore-562107.
I have a mini statement which shows only the debit but no credit as of 8th uly 2009.

Till today (12th August 2009) the amount has not yet got credited to my account. If this site is really doing something, please contact me for more authentication and help me to get this money. This amount is equal to ONE FULL MONTH SALARY. Please help. Please help. Please help.

Dear Sir
Please block my ATM Card due to I have lost my card.
My ATM Card No.[protected] attached with saving A/C No.- [protected]. Name & Address - Rajesh Kumar Singh
HIM URJA PVT.LTD
Vill & Post- Tefna
NandPrayag Distt. - Chamoli
Uttrakhand
Mobile no. - [protected], [protected]

Dear sir
I, Sunanda.C having a account in SBI tried to withdraw amount from SBT ATM, Puthencruz, Ernakulam dist, Kerala at 1850hrs on 11th Aug 2009. I got the message "Your transaction has been timed out". I had requested for Rs 5000 fast cash and got no receipt. Later i checked my balance and realised that Rs 5000 has been deducted from my account.
My atm card no is[protected]. I kindly request you to verify my transaction and see to it that my money get deposited back in my account.
Thanking you,
Yours faithfully
date: 12/08/09 Sunanda.C

From,
A C Ramaswamy Nadar,
Kumar Illam, Naduvoorkarai,
Mondaikadu post
Kanyakumari Dist – 629 252

Sub: Central Civil Service pension – Discontinuance of Medical allowance 100 Rs/month

Respected Sir,
I am retired Selection Grade Auditor of Accountant General’s office Trivandrum. Being the date of retirement is[protected], My PPO number is Audit/Ko/6903/CR and my SBI account no is [protected]. At the time of retirement I opted to come under medical allowance of Rs 100/month. From the time of retirement I had been received the medical allowance regularly, when I verify the basic pension as per the 6th pay commission report in SBI branch (Thingal Nagar) the medical allowance not included with the pension . As per the recent pay commission report my pension details are as follow as per the entries in pass book (Basic – 8482 + D .A -1358 = Rs 9840)
I have informed to the SBI branch in Thingal Nagar[protected] and reminded on[protected] with copy of all documents. Since I did not got any response form that complaint I have sent registered post to below mentioned address

The Chief Manager,
Centralized Pension Processing Center
SBI Main Branch buildings
Rajaji Salai, Chennai- 1
But there is no action had been taken till now, so please do the needful and give me the medical allowances with arrears
Thanking You

Sir/Madam,
I m using SBI ATM, I went Union Bank ATM for drawing Rs 4000/- but i got receipt as 072 Response code Unable Process Please check the error.But deducted money from my a/c.
Particulars as follows:
A/c No:[protected] with Rajahmundry Branch
Transcation Narration:[protected] 5214 DRAJ[protected] .

Please credit the deducted amount immediately/urgently.

Thank You,

Sandhya Rani

I retired on 31st December 2001 service counted 19 yrs 1 month 7 days pension granted Rs.1883, which was wrong, counting again counted 20 yrs 1 month 11 days pension granted Rs.1961. I got this pension till June 2008.Main service as per enrollment 16 April 1979 to 31 December 2001 total liabilities of service 22 yrs 8 month 15 days pension granted Rs.2157 on 26 June 2008 S/CORR/027202/2008 (ARMY).The difference of pension Rs.196 per month pending since 1st January 2001 to June 2008 and its arrear and DA not paid to me, i had approached to CPPC Chandni Chowk and SBI Lalukheri (M.Nagar)UP on 10 November 2008 its registered no. is 1149 n again approached on 12 December 2008 again on March 2009 its registered no. is 873 till date no reply given by the CPPC and concerned authorities even all the required documents submitted to the authorities by the time and original copies were forwarded by SBI Lalukheri to CPPC on 16th October 2008 for paying the dues.

I am drawing my pension from State Bank of India, Branch Lalukheri, Muzaffar Nagar U.P. Pin-251301, which is come under CPPC Chandni Chowk Delhi . According to Orders issued by Government of India, the Bank had to pay me revised pension from 1st January 2006. I am getting revised pension from the month of Sept. 2008. The arrears from 1st jan. 2006 to Aug. 2008 is pending to the disbursing bank, most of the army ex-servicemen has got the 40% of arrears which is not to me till date.
I have approached the SBI authorities personally as well as through written representations. So far I have not received my arrears.
I want to bring to the notice of the people about the working of grievance mechanism of the Government Agencies through your Blog.
Thanking you.

To
The Branch Manager
State Bank of India
Narkatiaganj

Sub: - Malfunctioning of ATM Machine at SBI, Berhampur ( Orissa )

Dear Sir
As Berhampur (Orissa) is my home town I had visited there for a period of 15 days and on the date of 7th June 2009 when I withdrawal an amount of Rs. 13500/-(Thirteen thousand five hundred only) from Gandhi chowk – I machine, the said ATM neither given money nor any paper to me, but comment displayed that your job was processed. Due to this I was under doubt and I have tried the same in Gandhi chowk – II machine and found that the same amount was debited from my account.

In continuation to this event I have visited to SBI main branch and report the fault, they have suggested me to raise a complaint at host branch i.e. at Narkatiaganj and asked to send an ANNEXURE “C” TO Mr. S.K.Misra fax no [protected] From your branch.

Hope now the matter is clear to you and the needful so that I can get back my amount Rs.13500/- in my passbook no [protected]. Your early action in this regard will be highly obliged.


Thanking You
Yours truly,



Anup Kumar Patro
S.B A/C No [protected]
Dated.14.7.2009

My wife Smt SAMMETA KAMALA aged 64 years holding saving A/c No.[protected] (nominee not registered) with a balance of Rs.2400/- and Gold loan A/c No.[protected] dt 28/11/08
(net weight of 50 gm, balance payment of Rs.12062/-) in SBI branch. She expired due to illness on 27/7/09 (Xerox copy enclosed)
When I approached BM for release of gold article, you advised to obtain the legal hire certificate from revenue authority, but the revenue authority denied issuing certificate (MRO, Dist. collector not empowered to issue the legal heire certificate- Govt.of.AP. revenue SER.III department Ltr.no.12138/SER.III (2)/2006-4 dt.13/07/06-xerox copy enclosed)
We the family members (my self, Daughter Smt.K.V.S.Mani aged 46 years-Hyderabad(A.P), daughter K.Sachi devi aged 45 years-Bilaspur (M.P) and S.Lakshmi Sharmila aged 39 years-Nanded (Maharastra) and all are married stay in different states of india) have executed an affidavit stating we only the legal heirs and all the three daughters ready to relinquish the right towards me (Xerox copy enclosed) and we also ready to submit guarantor of you branch account holder. I can submit my ration card showing family members.
The RBI under( Ltr.No.RBI/2005-06/48, RPCD.CO.RF. BC.No.12/07.38.01/2005-06 July 12, 2005 (B) Accounts without the survivor/nominee clause 2.3) advised:- In case where the deceased depositor had not made any nomination or for the accounts other than those styled as 'either or survivor' (such as single or jointly operated accounts), banks are advised to adopt a simplified procedure for repayment to legal heir(s) of the depositor keeping in view the imperative need to avoid inconvenience and undue hardship to the common person. In this context, banks may, keeping in view their risk management systems, fix a minimum threshold limit, for the balance in the account of the deceased depositors, up to which claims in respect of the deceased depositors could be settled without insisting on production of any documentation other than a letter of indemnity.
I being a 72 year old, physically and mentally depressed. Not in a position to walk and stay alone at Khammam-A.P, I shifted temporarily to my elder daughter’s residence at Hyderabad, It is not possible to approach COURT and make assemble all the three daughters at khammam for long period, In this connection i personally around SBI khammam branch for five days but no use.
Finally request you to kindly release my gold article by adjusting the saving A/c balance at an early date. Please inform to the following address for future correspondence.

On 17th of July ATM Debit card was captured in ATM Machine of Canara Bank, Kingsway Camp, therefore it was got blocked by me telephonically. On the next day ATM card was received back by me. So, on 22nd of July a request was made by me in writing to SBI, Chandni Chowk Branch for unblocking the ATM Card, but of no result. On 30.7.09, a complaint was made on SBI Helpline vide No.[protected], but card remained blocked. Lastly, a complaint was made on SBI Helpline vide No. CC[protected] on 8.8.09 but still my card is not working.
The non-functioning of ATM card is causing great inconvinience to me. It appears that SBI helpline is helpless for solving out consumers complaints. As such, it is requested to help-out from this situation by unblocking my ATM card.

my self annu.

working in PU Chandigarh, in the year 2006 self chq withdrawals from my saving account State bank of india, sector 14 Pu Branch chandigarh, sum of rs. 1, 60, 000/- without my permision & signature & complaint was filed in police and consumer court, but still no results. consumer court says this is daily working mistake and banks is not liable for refund the money.
and case was dissmissed

whyyyyyyy.

Dear Sir,

I want to block my SBI ATM Card. Please call me because your customer care no. is busy.

Girish Bhatt
[protected]

First of all i would like to state my deep displeasure against the SBI caption- safe banking- To the benifit of all, Dont ever bank with SBI - My experience proves so. I am an account holder with SBI, long ago i tried to withdraw a sum of Rs. 1, 000 from an SBT atm in bangalore, when the cash was about to dispense, ther was a power failure and i did not recieve my cash. when i checked my SB account later it showed a deduction of 1, 000 from my account, soon i informed the bank officials where i hold an account- ie. banashankari branch, bangalore. Its been more than 3 to 4 months now despites several reminders, courier, telephone charges i am yet to get a satisfied reply nor my 1, 000 rupees.

when i tried to lodge a complaint by accessing the SBI site- none of the links is working. Thats what you call as rightly stated in the SBI add- surprisingly SBI.


now, my next plan is to write a series of letter to SBI top officials as well as RBI. my only relief is that i am behinf 1, 000 rupees, just imagine if it was 10, 000/- so my word of advice to all- dont ever bank with SBI.

I wish to draw your kind attention that on 31st Dec., 2008, I had withdrawn Rs. 500/- from your SBI ATM, located at SBI, Kalu Chak, Jammu.

As soon as I withdraw the money from the Machine, This amount were taken back by the machine automatically from it's inlet.

I have visited the concerned ATM's Bank at Kalu Chak, several times, and called them telepathically too with a request to credit this amount in to my account, but till, the amount is not credited into me account.

I have already visited State Bank of Patiala, Awahdevi, and spent Rs. 550/- as conveyance+leaves from office + make local+std calls worth Rs. 200/- + local conveyance /petrol worth Rs. 300/-, but till date Rs. 500/- has not bee credited into my account.

I have sent several mails to thier complaint cell etc. etc. and to most senior people, but till date after 7 months, the matter has not be resolved.

Thanks & Regards,

Ramesh Chand
SB A/C. NO.[protected] RAMESH CHAND‏

With introduction of core banking solutions at State Bank of India branches, an account holder can operate his account from any branch in his city. For this service at non-home branch, certain reasonable charges are understandable. However, State Bank has not charged anything for the following 3 services which is welcome. (1) You can withdraw or deposit cash up to Rs. 25, 000/- free of cost. (2) Cheque/DD etc of any amount can be deposited...

It is to submit that I, K. Munaswamy, working in Employees Provident Fund Organisation, Anantapur (Head office at Kadapa) having my salary account in State Bank of India, Main, Kadapa branch and the bank authorities have stopped my transaction(withdrawal) from my account and seized the ATM for the last two salaries i.e. in June 30th and July 31st. I have send a courier stating my problems in the absence of salary but till date they have not rectified the same.
In brief what i want to complaint is being a salary paid employee and with no other source of Income, how i have to lead my family as the bank authorities are withheld my entire salary amounts for the last two months, that too, they have not informed any thing or not served any show cause.
kindly do the needful immediately otherwise i have left no option.
munaswamy

hello...
I m sanjay kumar yadav . I m using debit card of state bank of India...which is not working properly
from two months. Right now i am staying in pune & facing many problems...
So i request to solve my problems .(my a/c no.[protected]) card no.[protected]

regards
sanjay kumar yadav
ISMR (behind pune railway station, naveen hind high school campus, tadiwala road
pune

THE TRAIL OF COMMUNICATION TO & FROM SBI CARDS :

30.12.2007
Submitted Cheque no 375287 Rs. 3400/- only (BANK OF BARODA Branch Name T. T. NAGAR, BHOPAL) dtd 30.12.2007

02.01.2008
Letter from SBI Card Received on 14.1.2008



14.01.2008
Contacted SBI Card Customer Care. Requested for the cash back reversal amount & details with return of the cheque with banker’s remarks for refusal (the request no.[protected] dtd 14.01.2008 4.45 pm).

- NO RESPONSE

30.01.2008
The cheque no. 375289 (Bank of Baroda, T T Nagar Branch, Bhopal) Rs. 8905.83 dated 30.01.2008 submitted with the following note.-

1. Please explain why the 5% cash back reversal amount has not been credited to the account ?
2. This cheque is against the transactions till 10.01.2008
3. The payment against the SBI Card statement dated 10.12.07 had already been submitted vide cheque no. 375287 (BOB TT Nagar BPL Br) dtd 30.12.2007 (Refer to the request no.[protected] dtd 14.01.2008 4.45 pm). In case of any problem please return the original cheque with the collection branch’s remarks if another cheque is required.

- NO REPLY

02.02.2008
Letter from SBI Card Received on 11.1.2008



11.02.2008
The following complaint faxed to the VP – Customer Service :

URGENT PLEASE
11.02.2008

To

Mr Manish Dewan,
VP – Customer Service,
SBI Cards & Payment Services Pvt Ltd,
DLF Infinity Towers, Tower C, 12th Floor,
Block 2, Building 3, DLF Cyber City,
GURGAON – 122 002 (HARYANA) INDIA
FAX :[protected] ; 3992476
Email : feedback.[protected]@ge.com

Subject : Complaints against.-

(1) Cash back scheme amount reversal.
(2) Payments dated 30.12.2007 & 30.01.2008

Reference : Your letters dated 02.01.2008 & 02.02.2008

Sir,

I wish to lodge a complaint against the negligence on the part of SBI Card in consumer grievance redressal.
(1) The SBI Card failed in “Cash back” scheme amount reversal till now. The amount to be reversed is more than Rs 1500/=

(2) I’ve been a SBI Card user for almost 8 years and have never lagged in promptly submitting the payments every month ( may also be verified through your own records ). It’s for the first time that controversy is being created about the cheques submitted during the preceding 2 months for unjustified & mutually contradictory reasons. However, the facts about the payments are as follows.-

i ) Your letter dtd 02.01.2008 stated that the cheque no 375287 received by you dtd 30.12.2007 for Rs 3400/- could not be banked as the Bank & Branch details’re missing.

The fact is that the Bank as well as Branch names are prominently printed in the cheque itself as follows.-

Bank Name : BANK OF BARODA
Branch Name : T. T. NAGAR, BHOPAL

Further, though my SBI Card no is [protected], yet my SBI Card A/C No mentioned in the letter was [protected] ?

ii ) Your 2nd letter dtd 02.02.2008 again stated that the cheque no 375289 received by you dtd 30.01.2007 for Rs 8905/83 could not be banked as the Bank & Branch details’re missing.

The fact is that in this cheque also the Bank as well as Branch names are prominently printed in the cheque itself as follows.-


Bank Name : BANK OF BARODA
Branch Name : T. T. NAGAR, BHOPAL

Further, though my SBI Card no is [protected], yet my SBI Card A/C No mentioned in the letter was [protected] ?

Further, when I personally enquired the branch ( BANK OF BARODA, T. T. NAGAR, BHOPAL ), I came to know that neither of the cheques mentioned ever presented to the branch for payment by SBI Card, and there’s no reason to deny the same by BOB T T Nagar Branch Bhopal as there’re sufficient fund in the account ( SB A/C Old No : 8831; New No : [protected] ).

Thus, it’s self evident that the person(s) handling the SBI Card payment cheques is/are either not even able to read the Bank & Branch names in the cheques mentioned, or seemingly more interested in SBI Card’s earning through the tactics of imposing interest & penalty amount by declaring the customer defaulter instead of accepting the promptly submitted payments.

Even after repeatedly lodging the complaints with customer care ? (Req. No.[protected] the attitude remained most reluctant. However, if SBI Card doesn’t want cheques of Bank of Baroda due to their own problems, the duplicate cheques of the Bank preferred by SBI Card may be considered subjected to the RETURN OF THE ORIGINAL CHEQUES OF BANK OF BARODA WITH COMMENTS OF THE BANK OF BARODA T. T. NAGAR, BHOPAL BRANCH FOR DENYING THE PAYMENT at the earliest please.

Further, if the matter is not solved by SBI Card with due apologies within 3 days, I’ll have no way except to decide to terminate the SBI Card !

With regrets,

Dr ALOK GUPTA
( SBI Card No : [protected] )
M-34, Old Subhash Nagar,
BHOPAL – 462023 ( M P )

Phone(s) : [protected] ;[protected]
Email : [protected]@yahoo.co.in

12.02.2008 :
The same complaint sent by email to the VP – Customer Service with copy to AVP – Customer Service

COMPLAINT
alok gupta <[protected]@yahoo.co.in>
AddTuesday, 12 February, 2008 9:31:55 PM
To:feedback.[protected]@ge.com
Cc:head.[protected]@ge.com
To SBI Card 11febo8.doc (48KB)

To

Mr Manish Dewan,
VP – Customer Service,
SBI Cards & Payment Services Pvt Ltd,
DLF Infinity Towers, Tower C, 12th Floor,
Block 2, Building 3, DLF Cyber City,
GURGAON – 122 002 (HARYANA) INDIA
Email : feedback.[protected]@ge.com

Subject : Complaints against.-

(1) Cash back scheme amount reversal.
(2) Payments dated 30.12.2007 & 30.01.2008

Reference : Your letters dated 02.01.2008 & 02.02.2008

Copy to :

Mr. Ajay Bharti
Ast. Vice President- Customer Services
PO Bag 28- GPO, New Delhi-110001
head.[protected]@ge.com

26.02.2008 :
Reply from SBI Cards :

RE:'CaseID=[protected]'COMPLAINT
feedback.gesbi <feedback.[protected]@ge.com>
ViewTuesday, 26 February, 2008 10:09:30 AM
To:alok gupta <[protected]@yahoo.co.in>

26 February, 2008

Dear Mr. Gupta,
Thank you for writing to SBI Cards.

This is with reference to your communication dated February 12 2008.
Offer Related: We would like to assure you that we have taken a note of your queries and we shall get the same resolved at the earliest. We shall revert to you on the status of the same.
Charges: We would like to inform you that we have credited Rs.393.26 towards late fee and Rs.337.08 towards un bankable invalid fee and the credit for the same will be reflecting in your statement dated March 10, 2008.

We sincerely regret the inconvenience caused to you in this regard.

In case of any further queries on the SBI Card, we would request you to reply at feedback.[protected]@ge.com using the same subject line or call our 24 hours, 7 days a week, at our local Helpline number 39020202 or[protected]for BSNL and MTNL users).

If you are not satisfied with the response, you can write in to AVP, Customer Service, head.[protected]@ge.com using the same subject line. You will receive a response within 3 working days.

Yours sincerely,
Manager - Customer Service

12.03.2008 :
Reminder of the complaint

Complaint Reminder (24th)
alok gupta <[protected]@yahoo.co.in>
AddWednesday, 12 March, 2008 1:23:26 PM
To:feedback.[protected]@ge.com
Cc:head.[protected]@ge.com

12.03.2008 :
Reply from SBI Cards :

'CaseID=[protected]'Complaint Reminder (24th)
HeadCards <head.[protected]@ge.com>
ViewWednesday, 12 March, 2008 1:21:11 PM
To:alok gupta <[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 with in 3 working days .
Incase you have missed to provide us with your SBI Card Account / Card number in the communication sent by you. We would request you to provide the same to enable us to process your request at the earliest.

Warm Regards,
SBI Team

24.03.2008 :
Reminder of the complaint

'CaseID=[protected]'Complaint Reminder (26th)
alok gupta <[protected]@yahoo.co.in>
AddMonday, 24 March, 2008 3:32:37 PM
To:head.[protected]@ge.com
'CaseID=[protected]'Complaint Reminder (26th).eml (36KB)




11.04.2008 :
Reply from SBI Cards :

'CaseID=[protected]'Complaint Reminder (24th)
feedback.gesbi <feedback.[protected]@ge.com>
ViewFriday, 11 April, 2008 11:05:18 AM
To:alok gupta <[protected]@yahoo.co.in>

11 April, 2008
Dear Mr. Gupta,
Thank you for writing to SBI Cards.

This is with reference to your communication dated March 24 2008.

Payment Related: We would like to assure you that we have taken a note of your complaint and we shall get the same resolved at the earliest. We shall revert to you on the status of the same.

Offer Related: Please note that we have credited Rs.1500.00 towards 5% cash back offer ( maximum cash back is of Rs.1500.00 only) and the credit for the same is reflecting in your statement dated April 10, 2008.

In case of any further queries on the SBI Card, we would request you to reply at feedback.[protected]@ge.com using the same subject line or call our 24 hours, 7 days a week, at our local Helpline number 39020202 or[protected]for BSNL and MTNL users).

If you are not satisfied with the response, you can write in to AVP, Customer Service, head.[protected]@ge.com using the same subject line. You will receive a response within 3 working days.

Yours sincerely,
Manager - Customer Service

15.04.2008 :
Reminder of the complaint

Fwd: RE:'CaseID=[protected]'Complaint Reminder (24th)
alok gupta <[protected]@yahoo.co.in>
AddTuesday, 15 April, 2008 12:17:01 AM
To:head.[protected]@ge.com
Download All | Fwd: RE:'CaseID=[protected]'Complaint Reminder (24th).eml (16KB); To SBI Card 11febo8.doc (48KB)


25.04.2008 :
Reply from SBI Cards :

'CaseID=[protected]'Complaint Reminder (24th)
HeadCards <head.[protected]@ge.com>
ViewFriday, 25 April, 2008 12:06:27 PM
To:alok gupta <[protected]@yahoo.co.in>

Dear Mr. Gupta,

This is with reference to your communication dated April 15, 2008 regarding your SBI card account.

We wish to share with you that we have already given the reversals towards the 5 % cash back of Rs. 1500.00. The same is reflective in your statement of account dated April 10, 2008.

We would like to share with you that we have received the cheque number 375289 and 375287 bearing an amount of Rs. 3400.00 and Rs. 3584.5 sent by you respectively.

Please note that cheque sent by you was not presented to your bank as the instrument issued did not contain the bank and branch details, and being an invalid cheque it is retained with us and is non-returnable.
We would also like to share with you that the cheques received from customer are classified as "Unbankable Invalids" due to following reasons:
*Bank, Branch details are missing on the cheque
*Outstation cheques
*Date / Amount / Saving Bank A/c number / SBI Card Number or SBI Card Account no. is not mentioned on the cheque.
*Post Dated Cheques (More than 30 days)
*Non - MICR Cheques
*Cheque is older than 6 months
*Bank Permanently closed
*Cheque is not a clearing member
*Unsigned Cheques
*Cheque Out of date (PDC more that 30 days and Cheque is older than 6 months)
*Mutilated Cheques
*Amount in words & figures differs

We also wish to inform you that your SBI card account number [protected] and your SBI card number [protected] are two different numbers. The information on your account can be accessed using either of these numbers. However, you are advised to send in your payments in favour of your SBI card number.

Further, please note that we have reversed Rs. 337.08 and Rs. 393.26 towards payment dishonor charges and late payment charges respectively. Credit for same is reflecting in your statement of account dated March 2008.

We regret that your issues were not adequately and promptly responded in the past. Please accept our sincere apologies for any inconvenience caused to you.

Please feel free to contact us should you require any further assistance or clarification.

We assure you the best services at all time.

Yours sincerely,

AVP- Customer Service

13.04.2009:
Reminder of the complaint

'CaseID=[protected]'Complaint Reminder (30th)
alok gupta <[protected]@yahoo.co.in>
AddMonday, 13 April, 2009 8:55:01 PM
To:head.[protected]@ge.com
Cc:feedback.[protected]@ge.com
Download All | To SBI Card 11febo8.doc (48KB); ToSBI Card 11feb08.doc (65KB)

----- Forwarded Message ----
From: alok gupta <[protected]@yahoo.co.in>
To: head.[protected]@ge.com
Sent: Tuesday, 15 April, 2008 12:17:01 AM
Subject: Fwd: RE:'CaseID=[protected]'Complaint Reminder (24th)

17.04.2009 :
Reply from SBI Cards :

'CaseID=[protected]' 'CaseID=[protected]'Complaint Reminder (30th)
HeadCards <head.[protected]@ge.com>
ViewFriday, 17 April, 2009 1:02:12 PM
To:alok gupta <[protected]@yahoo.co.in>

Dear Mr.Gupta,

This is with reference to your communication dated April 13, 2009 regarding your SBI card account.

We would like to inform you that we have credited Rs.1500.00 towards cash back on your card account and the credit for the same is reflecting in your statement dated April 10, 2008.

We would like to inform you that we have received your cheque number 375287 and 375289 for Rs.3400.00 and Rs.8905.83. However, we are unable to send the same for the presentation as the bank, branch details are missing.

We would like to share with you that the cheques sent by the customer and invalid are not presented to the bank for clearance. The invalid cheques are non-returnable to the cardholders.

Further, we are looking into your concerns regarding the copy of the said cheque. We will revert to you on completion of our investigations. Please bear with us in the interim period.

We would like to inform you that the Account number and the Card number are two different numbers. The information on your account can be accessed using either of your SBI card number.
Please note that 4317 XXXX XXXX 9772 is your SBI card account number.

We assure you the best services at all time.

Yours sincerely,

AVP- Customer Service

17.04.2009 :
Request to reply the cheques:

Re: 'CaseID=[protected]' 'CaseID=[protected]'Complaint Reminder (30th)
alok gupta <[protected]@yahoo.co.in>
AddFriday, 17 April, 2009 6:47:52 PM
To:HeadCards <head.[protected]@ge.com>

Dear Sir,

While sending the photocopies of the cheques, please do mark / highlight the areas where the bank, branch details are missing, along with the remarks of the bank to justify the return so that I may take stern action against the bank to claim due compensation for the financial loss as well as mental harassment. These documents're required by the consumer form / banking ombudsman. Because as per the bank, neither of the cheques referred by you were ever presented to the bank for clearance, nor there are any remote chances of the missing bank & branch details. Though if it's, this blunder demands gross public attention through the media coverage too. It was also no less surprising that all the other cheques issued from the same cheque book were cleared by the bank without any problem.

Please send the above referred documents as the earliest so that the legal procedure may be helped out to resolve my complaint timely.

Alok Gupta

27.04.2009 :
Reply from SBI Cards :

'CaseID=[protected]' Re: 'CaseID=[protected]'Complaint Reminder (30th)
HeadCards <head.[protected]@ge.com>
Monday, 27 April, 2009 1:37:10 PM
To:alok gupta <[protected]@yahoo.co.in>

Dear Mr.Gupta,

This is with reference to your communication dated April 17, 2009 regarding your SBI card account.

We would like to inform you that we have taken note of your complaint and we shall get the same resolved at the earliest. We shall revert to you on the status of the same.

Please feel free to contact us should you require any further assistance or clarification.

We assure you the best services at all time.

Yours sincerely,

AVP- Customer Service

30.04.2009 :
Reply from SBI Cards :

“CaseID=[protected]' Re: 'CaseID=[protected]'Complaint Reminder (30th)
HeadCards <head.[protected]@ge.com>
ViewThursday, 30 April, 2009 5:36:09 PM
To:alok gupta <[protected]@yahoo.co.in>

Dear Mr.Gupta,

This is with reference to your communication dated April 17, 2009 regarding your SBI card account.
We would like to inform you that the copy of Bounce cheque number 375289 and 375287 has been dispatched and same will reach shortly to your mailing address.
Please feel free to contact us should you require any further assistance or clarification.

We assure you the best services at all time.

Yours sincerely,

AVP- Customer Service

- Copies of the cheques (nos. 375287 & 375289) received by mail without banker’s remarks.








Undated
Arbitration Notice reeived on 31.08.2009









31.08.2009
Letter sent by FAX to VP-Customer Service:

MOST URGENT PLEASE
31.07.2009

To

Mr Manish Dewan,
VP – Customer Service,
SBI Cards & Payment Services Pvt Ltd,
DLF Infinity Towers, Tower C, 12th Floor,
Block 2, Building 3, DLF Cyber City,
GURGAON – 122 002 (HARYANA) INDIA
FAX :[protected] ; 3992476
Email : feedback.[protected]@ge.com

Subject : Harassment of SBI Card customer by contradictory actions by SBI Cards.

Reference : Case ID[protected] ;[protected]

Sir,

The trail of communication to & from SBI Cards reflects that though SBI Cards not only expressed regrets & apology, the penalty charges’re also reverted, yet remained reluctant in returning the cheques with banker’s remarks along with issue of the revised bill/statement. Further, it took 16 months to even send the photocopy (instead of original) of the cheques in question, lacking banker’s remarks indicating that they’re never presented to the bank for collection.

Then, while on one hand SBI Cards assured me of reverting on completion of the investigations & requested to bear with them during this interim period, I’m served the legal notice instead on the other hand. This undated notice of Intention to Proceed Ex-Parte from the Sole Arbitrator (Arb. Case No. SBI LOT-3 (SG-JUNE-09)-930 of 2009) refuses to entertain any correspondence by letter/telegram even & compels to appear physically at such a short notice on 07.08.2009 for the Arbitral proceedings. This also mentioned of a never received notice dated 18.06.2009 also (the fact may be cross checked with the courier also).

I’m astonished with this contradictory behavior of SBI Cards. I don’t know if SBI Card could realize the problem of leaving out station on short notice for a medical professional committed for his clinical duties in a large medical setup.

To summarize, the mutually contradictory statements by SBI Cardsare as follows.-

Confusion in the status of repayment by the customer :

As far as the repayment by the cheques is concerned, SBI Cards expressed 3 types of mutually contradictory statements as follows.-

1. The cheques received but could not be presented to the bank due to missing bank & branch details, hence under category ‘Invalid Bankable’ as reflected in the letters dated 2.1.08, 2.2.08; emails dated 25.4.08, 17.4.09.
2. Seemingly genuine therefore Bankable Invalid Fee as well as Late Fee reverted vide emails dated 26.2.08, 25.4.08, hence regrets & apologies as expressed in email dated 25.4.08.
3. The cheques received were bounced, as stated in email dated 30.4.09 followed by photocopy of the cheques instead of original – without banker’s remarks.

Contradiction in what’s said and what’s done by SBI Cards :

Regrets & apologies - as expressed by SBI Cards in email dated 25.4.08

SBI Cards will keep me informed on the time – email dated 13.4.09

SBI Cards will revert on completion of the investigations – vide emails dated 17.4.09, 27.4.09

SBI Cards requested me to bear with them in the interim period – as expressed in emails dated 17.4.09, 27.4.09

BUT

SBI Cards deliberately delayed the matter to justify the exorbitant interest and penal charges with legal proceedings.

It’s therefore requested to please go through the factual evidences to decide whose misunderstanding or fault it was and who’s going to suffer ultimately? I’ll be obliged if you could please intervene in the said proceeding & issue a revised bill/statement (which would have been as simple as follows.- Amount of the unbanked cheques – Cash back offer credits i.e. Rs 3400 + Rs 8905.83 – 1500 = Rs 10805.83 only) so that I could make the payment to close this otherwise unpleasant chapter.

With regrets,

Dr ALOK GUPTA
( SBI Card No : [protected] )
M-34, Old Subhash Nagar,
BHOPAL – 462023 ( M P )

Phone(s) : [protected] ;[protected]
Email : [protected]@yahoo.co.in

Enclosures :

1. Trail of communication TO & FROM SBI Cards
2. SBI Cards Letter dated 2.1.08
3. SBI Cards Letter dated 2.2.08
4. Photocopy of Cheques
5. Photocopy of the Notice of Arbitration case no. SBI LOT-3 (SG-JUNE-09)-930 of 2009

Copy to :

Mr. Ajay Bharti
Ast. Vice President- Customer Services
PO Bag 28- GPO, New Delhi-110001
head.[protected]@ge.com


- NO REPLY FROM SBI CARDS

02.08.2009
Same letter sent by email to VP-Customer Service & AVP-Customer Service.

- NO REPLY FROM SBI CARDS

07.08.2009
I Reached Delhi to attended the Arbitration Proceedings at the address( in the chamber of the Sole Arbitrator Adv. Sh. Sandeep Gupta, 496, Civil side, Tis Hazari Court, Delhi) at 4 pm. Counsel of SBI Cards Adv Narayan & a person from SBI Cards (name not disclosed) also attended late at 4.45 pm. With their aggressive approach, they constantly tried to dominate the others by not listening anyone.

Further, I was surprised to know that even the essential documents, like Claim Statement, Credit Card Agreement etc were not presented there even before the Sole Arbitrator & were not available for a glimpse even. Hence, in spite of demand, their copies were not provided to me. On the contrary, I had to produce every document I had concerning the matter & had to hand over to them.

The Arbitrator as well as the counsel along with the person from SBI Cards seemed convinced with my evidence based genuine representation. They agreed to settle the case on the principal amount of the cheques i.e. Rs 3400 + Rs 8905.83 only waiving off any interest or penalty what so ever. A far as the deduction of the 5% cash back of Rs 1500 (which should have been credited to my account by SBI Cards by 31st Oct’07) & the travel expenditures, the SBI Cards personnel said that this was beyond their power (again surprising). Instead of receiving the payment amount before the Arbitrator, the SBI Cards people further lingered on the procedure. They said that a letter of settlement will be sent to my address within a week following which a representative from SBI Cards will personally receive the payment in cash or Demand Draft only. Even on my request, neither the copy of settlement nor of the Arbitral Proceedings was provided to me.

This also reflects that as before SBI Cards people are more interested in deliberately delaying the matter to fetch money by other means instead of receiving the genuine & justified dues.

Dear Sir,
SBI card –the logo should read ‘Make your life miserable’ instead of ‘Make life easy’-. I applied for a credit card in 2006 and received the SBI card no. [protected] 469.Within a few days of of receipt I got a call from Royal Sundaram Insurance offering me two insurance schemes amounting to Rs.3600/-.I agreed for one amounting to Rs.1900/-.To my surprise both the schemes were billed to me. I called back Royal Sundaram and told them that as they had not adhered to agreed commitment I did not want any of them. This was within their agreed free trial period. They readily agreed.
However, the processing of the reversal was done by M/s Royal Sundaram beyond the trial period and from then on my misery started. Outstanding amount started appearing in my monthly statement .I talked to customer services and apprised them of the total story. Every time I was calling there was a different person on the phone. They would ask me to hold the line and start looking for records and come up with an answer that as reversal was beyond trial period I would have to pay the administrative charges.There was, however, no justification for that amount charged.
I did not read the small letters in the application form for the credit card which the agent simply waived off saying these were the standard ones and I need not worry. But is it not the prime responsibility of SBI card to protect my privacy? How come my mobile number was given to Royal Sundaram Insurance with details of my profile, without my permission?
I had opted for a credit card in the first place (and not for an insurance), in anticipation of expenditures for treatment of my ailing brother.
Then phone calls started coming, in not so civil tone, to pay up. I tried to convince the persons on phone to give me a chance to clarify. I told them that I as a customer had no product/services from Royal Sundaram why should I pay? I had not even activated my card and as such there should be no claim.
The frequency of phone calls increased with words like ’we will see how you don’t pay’.This continued for some time and then I was served with a ‘Advocates notice’ with dire consequences.
I consulted a few of my colleagues and was advised not to go for any confrontation as that would cost me more time and money, leave aside the harassment.
I rang up their agency mentioned in the notice and told them that I was ready to pay but they must give me a statement showing break-up of the amount charged. The reply was ’First you pay then we will see’.
I told them to send me a mail giving the exact amount to be paid with penalty and all.An E-mail was received by me stating the amount(Rs.3600/-) and the mailing address, to which I complied.
Next month again an outstanding amount appeared on my mobile and I rang up the person who had assured that there will be no further claim. He told me to ignore the message and he will look into it. I made several request through E-mail to send me a ‘No claim certificate’ but there was no reply.
fromRANJIT BANERJEE <ranjit.[protected]@gmail.com>
tolalit.[protected]@infovisiongroup.com

dateFri, Sep 26, 2008 at 9:58 AM
subjectNo claim Certificate against SBI Gold Card No.[protected]
mailed-bygmail.com


I regret to inform you that till date I have neither received any reply to my E-mail dated 2nd. Sept'08 and 09th Sept.from you nor received the NCC against my payment of the full amount as asked by you. Please send me the N.C.C at an early date. When shall I stop receiving the monthly statement from SBI card ?

fromRANJIT BANERJEE <ranjit.[protected]@gmail.com>

The next month again I received a statement showing an outstanding amount and rang up their offices and contact person named in the letter. He simply said he would look into it but never rang back.
Next month I received the statement again with Rs.2811/- shown as outstanding.
I wrote the following letter to the Manager Payment Assistance Unit.
Dated 30.10.2008
To
Manager
Payment Assistant Unit
SBI Cards & Payment Services PVT.Ltd.
DLF Infinity Towers, Tower C, 12th Floor
Block-2, Building 3, DLF Cyber City
Gurgaon 122002(Haryana) India


Dear Sir/Madam,
SBI Card [protected] 469
Ref: LB/150/24-Sep-08/15513 Dated 24.09.08

This is to bring to your kind notice that an amount of Rs. 3500/- was agreed to as full and final settlement for reversal of the account by Sri Mannat Singh and Sri Lalit Kumar of A-14/3, Naraina Industrial Area, Phase 2, New Delhi-110028.
Accordingly, payment was made vide at par cheque no. 167648 dated 21.07.2008 drawn on Axis Bank, in favour of the SBI card in reference.
The amount was debited from my account on 01.01.08.
Confirmation was received from Sri Lalit kumar that there will be no further claim on this account.
When SBI card statement continued to show outstanding amount of Rs.2811/- I again rang up Sri Lalit Kumar and he assured that it will be reversed and not to worry.
On receipt of the letter in reference I have talked to Mr. Lipi Sharma and apprised him regarding the payment and the talk I had with Sri Mannat Singh & Sri Lalit Kumar.
He has confirmed and has asked me to ignore the letter in reference.
I would therefore request you to kindly reverse my account and send me a ‘No Claim Certificate’ and oblige.


Thanking you,
Yours faithfully,


(Ranjit Banerjee)
6, Park Avenue,
Burnpur-713 325


They asked for documents against which payment was made. The following correspondence ensued:

-----Original Message-----
From: RANJIT BANERJEE (ranjit.[protected]@gmail.com)
Date: Tuesday, December 16, 2008 09:38 AM
To: feedback.[protected]@ge.com (feedback.[protected]@ge.com)
Subject: Your ref: MQ[protected] dated 13th.nov.'08

Dear sir,
As desired please find the requisite documents in the attachments.
Please reverse the account and issue me a N.C.C.
Thanking You,
R.Banerjee






fromfeedback.gesbi <feedback.[protected]@ge.com>
toRANJIT BANERJEE <ranjit.[protected]@gmail.com>
dateFri, Dec 19, 2008 at 11:31 AM
subjectRE:'CaseID=[protected]' Your ref: MQ[protected] dated 13th.nov.'08
hide details 12/19/08 Reply
19 Dec 2008
Dear Mr. Ranjit Banerjee
Thank you for writing to SBI Cards.
This is with reference to your communication dated Dec 16 2008 9:56AM .

Settlement of Account: We would like to share with you that settlement offered on your SBI card account stands null and void as your SBI Card account settled for Rs. 2810.34/- and the same has to be received by us on or before 30th June 2008. However, We have received your last payment of Rs. 3500/- only on 30th July 2008.
In view of the said matter, as per the agreement the cardholder is liable to pay the entire outstanding balance including the charges accrued on the SBI card account. We would also request you to refer the settlement letter for further clarification.
Also note that your SBI card account stands inactive for usage and as on date the current outstanding on your SBI Card account is Rs. 3, 074.64/- .
Should you have any further queries on your SBI card account, would request you to reply at feedback.[protected]@ge.com using the same subject line or please contact our helpline at 39020202 or [protected] (only for MTNL and BSNL users). Our customer service Representatives on the Helpline will now be available between 8 am and 8 pm, Monday to Saturday. To access information between 8 pm and 8 am or Sundays regarding your outstanding Balance, Available credit and cash limits, payments made, billed and unbilled transactions, to request for a Duplicate statement/ATM PIN or to block a lost card, please use the IVR service at the same Helpline numbers.
If you are not satisfied with the response, you can write in to AVP, Customer Service, head.[protected]@ge.com using the same subject line. You will receive a response within 3 working days.
Yours sincerely,
G.Tamilselvi - Customer Service

fromRANJIT BANERJEE <ranjit.[protected]@gmail.com>
to"feedback.gesbi" <feedback.[protected]@ge.com>
dateFri, Dec 19, 2008 at 11:57 AM
subjectRe: 'CaseID=[protected]' Your ref: MQ[protected] dated 13th.nov.'08
mailed-bygmail.com
hide details 12/19/08 Reply
Dear Sir,
I am in reciept of your reply and am astonished to note that credence has not been taken regarding the payment amount (Rs.3500/-) as against 2811/- till June30th.
The amount Rs. 3500/- was asked by your authorised agency including penalty for payment beyond 30th. June as full and final payment towards the due shown and same has been paid within July'08 as asked.I don't understand why an organisation like you is going back on its word.
In this connection may I mention that whatever due is shown against my card has not been examined by SBI Card.Every time I am talking to a different person and landing back to the square one.
I had also attached Lalit Kumar's E-mail copy in my last correspondence.
Kindly, obtain the details from your outsourced offices and arrange for reversal of account.
Thanks,
R.banerjee

fromHeadCards <head.[protected]@ge.com>
toRANJIT BANERJEE <ranjit.[protected]@gmail.com>
dateWed, Dec 24, 2008 at 2:17 PM
subjectRE:'CaseID=[protected]' Your ref: MQ[protected] dated 13th.nov.'08
hide details 12/24/08 Reply
Dear Mr. Banerjee,
This is with reference to your communication dated December 19, 2008 regarding your SBI card account.
We acknowledge the receipt of your mail and assure you that we are looking into your concerns. We will revert to you on completion of our investigations. Please bear with us in the interim period.
We regret that your issues were not adequately and promptly responded in the past. Please accept our sincere apologies for any inconvenience caused to you.
Please feel free to contact us should you require any further assistance or clarification.
We assure you the best services at all time.
Yours sincerely,
AVP- Customer Service


fromHeadCards <head.[protected]@ge.com>
toRANJIT BANERJEE <ranjit.[protected]@gmail.com>
dateSat, Dec 27, 2008 at 11:01 AM
subjectRE:'CaseID=[protected]' Your ref: MQ[protected] dated 13th.nov.'08
hide details 12/27/08 Reply
Dear Mr. Banerjee,
This is with reference to your communication dated December 19, 2008 regarding your SBI card account.
We would like to inform you that as per our records there is no settlement was offered on your SBI card account
However, currently in case you wish to settle your card account dues, the same may be settled for Rs. 1500.00 against the total outstanding of Rs. 3, 074.64 payable in one installment to us by December 31, 2008.
Please be advised that the settlement shall stand null and void incase of any breach of the settlement agreement. We would request to adhere to the terms and conditions of the settlement to avoid further accrual of charges. Post clearance of the said amount we would make arrangements to reverse the remaining outstanding balance on the card.
In case of any further concerns regarding the settlement, you may contact us at [protected].
Please feel free to contact us should you require any further assistance or clarification.
We assure you the best services at all time.
Yours sincerely,
AVP- Customer Service
Make your life simple with E [protected]@ www.sbicard.com. Just the convenience of getting your monthly statement delivered directly to your email inbox. To avail the e-statement facility, please click on the highlighted link - https://www.sbicard.com/sbi/estatementprelogin.jsp




fromRANJIT BANERJEE <ranjit.[protected]@gmail.com>
tohead.[protected]@ge.com
dateSat, Dec 27, 2008 at 12:07 PM
subjectFwd: 'CaseID=[protected]' Your ref: MQ[protected] dated 13th.nov.'08
mailed-bygmail.com
hide details 12/27/08 Reply
Dear Sir,
I would like to mention that full settlement against a payment of Rs.3500/- was offered by Mr.Mannat Singh of SBI card and the amount was sent to A-14/3, Naraina Industrial Area, Phase -2, New Delhi-110 028, by at par cheque on AXIS bank.(Cheque No. 167648 Dated 21.07.08.)
When the outstanding amount kept on appearing on my mobile I personally talked to him and he asked me not to worry and ignore it.
The nuisance value the card acquisition has created, has put me into a mental trauma.The amount is not the big thing but the way I have been harrased. Firstly I never activated the card as you may verify. The amount carried is, I am told, for administrative charges of Royal Sundaram Insurance which already was cacelled as they did not adhere to their part of the agreement.They readily agreed and reversed the amount.
The charges carried since the has become more than that combined value of the Insurances.Till date I have paid Rs.4100/- to SBI card (For what I am yet to know) and outstanding amount is still continued.
Your offer for Rs. 1500/- by 31st.Dec'08 for full and final payment, is also a gesture, as very well known to you, that can not be fulfilled, because it is only three working days away.I know I am helpless against an organisation like SBI card and an undue advantage is being leveraged by SBI card.
I simply want to rid of this nuisance value, the SBI card has created for me. Kindly, in your fair judgement investigate into the matter, and give me a fair opportunity to settle the case.
Thanking you,
R.Banerjee




fromRANJIT BANERJEE <ranjit.[protected]@gmail.com>
tohead.[protected]@ge.com
dateMon, Dec 29, 2008 at 4:58 PM
subjectSubject: Outstanding Payment for Credit Card No. [protected]
mailed-bygmail.com
hide details 12/29/08 Reply
Dear Sir,
Subject: Outstanding Payment for Credit Card No. [protected]
'CaseID=[protected]' Your ref: MQ[protected] dated 13th.nov.'08
This is in reference to our earlier communication regarding the outstanding amount in my credit card. I want to bring to your notice again that I stand by my statements mentioned earlier in my correspondence with you.
I do not want to prolong this issue anymore and hence I have decided to pay Rs. 1500/- as final settlement amount as requested by you in your earlier email.
The details are given hereunder:
Cheque No.829993 Dated: 29/12/2008 on SBI, Burnpur, dropped in the drop box on 29.12.2008 at 11 am.
I am making this final payment of Rs. 1500/- as stated in your email dated27.12.2008. I am taking this step because I don't want any mental harassment caused by your organization or any agency claming to be your representative pertaining to this credit card number.
Kindly see that necessary action is taken and all my accounts regarding the credit card issued by SBI stands Closed.
R.Banerjee

fromHeadCards <head.[protected]@ge.com>
toRANJIT BANERJEE <ranjit.[protected]@gmail.com>
dateWed, Dec 31, 2008 at 3:41 PM
subjectRE:'CaseID=[protected]' Subject: Outstanding Payment for Credit Card No. [protected]
hide details 12/31/08 Reply
Dear Mr.Banerjee,
This is with reference to your communication dated December 29, 2008 regarding your SBI card account.
We wish to inform you that we have received the payment of
Rs.1500.00 vide cheque number 829993 sent by you and the same
has been sent for presentation in your bank. Please contact
our Helpline, to enquire about the status of the payment sent to us.
Further, we have taken a note of your complaint and we shall get the same resolved at the earliest. We shall revert to you on the status of the same.
We assure you the best services at all time.
Yours sincerely,
AVP- Customer Service

fromRANJIT BANERJEE <ranjit.[protected]@gmail.com>
tohead.[protected]@ge.com
dateThu, Jan 8, 2009 at 9:19 AM
subjectFwd: 'CaseID=[protected]' Subject: Outstanding Payment for Credit Card No. [protected]
mailed-bygmail.com
hide details Jan 8 Reply
Dear Sir,
I am forwarding the message from AVP Customer Sevice dated 31.12.2008 again for your reference.In this context, the said amount has been debited from my account on 31.12.2008.
I have not received any communication from your end since 31.12.2008.
I had a talk with Mr.Mannat Singh of SBI card and it has been confirmed by him that Rs.3500/- paid in july'08 was in full and final payment against my credit card.He would look into the matter and see that Rs. 1500/- paid now, can be refunded.
Kindly look into the matter and resolve the case at the earliest.
Thanks,
R.Banerjee

fromHeadCards <head.[protected]@ge.com>
toRANJIT BANERJEE <ranjit.[protected]@gmail.com>
dateMon, Jan 12, 2009 at 3:16 PM
subjectRE:'CaseID=[protected]' Subject: Outstanding Payment for Credit Card No. [protected]
hide details Jan 12 Reply
Dear Mr. Banerjee,
This is with reference to your communication dated January 08, 2009 regarding your SBI card account.
We would like to assure you that we have taken a note of your complaint and we shall get the same resolved at the earliest. We shall revert to you on the status of the same.
We assure you the best services at all time.
Yours sincerely,
AVP- Customer Service
On Mon, Jan 19, 2009 at 9:01 AM, HeadCards <head.[protected]@ge.com> wrote:
Dear Mr.Banerjee,
This is with reference to your communication regarding your SBI card account.
We would like to inform you that the necessary reversals have been given on your card account and the credit for the same will reflect ion your statement dated February 16, 2009.
Please note that your SBI card account stands inactive for usage and as on date there are no dues payable to us.
We assure you the best services at all time.
Yours sincerely,
AVP- Customer Service
fromRANJIT BANERJEE <ranjit.[protected]@gmail.com>
toHeadCards <head.[protected]@ge.com>
dateMon, Jan 19, 2009 at 10:26 AM
subjectRe: 'CaseID=[protected]' Your ref: MQ[protected] dated 13th.nov.'08
mailed-bygmail.com
hide details Jan 19 Reply
Dear Sir,
I would request you to kindly refer to my complaint dated 8th. January'09, refering to my talk with Sri Mannat Singh. I would be obliged if you would consider refund of Rs.1500/-
Thanking you,
R.Banerjee

fromHeadCards <head.[protected]@ge.com>
toRANJIT BANERJEE <ranjit.[protected]@gmail.com>
dateFri, Jan 23, 2009 at 12:42 PM
subjectRE:'CaseID=[protected]' Your ref: MQ[protected] dated 13th.nov.'08
hide details Jan 23 Reply
Dear Mr.Banerjee,
This is with reference to your communication dated January 19, 2009 regarding your SBI card account.
We would like to inform you that we are unable to process your request regarding the refund of the payment made by you.
We assure you the best services at all time.
Yours sincerely,
AVP- Customer Service

In view of the foregoing I seek redressal.This is also to bring to the notice of other customers who have been wronged, to speak out.I am sure mine is not the only case.
Yours truely,
R.Banerjee