[Resolved]  State Bank of India — Repetitive Harassment by SBI executives

Date: 6th December 2008

Sub: Dispute Regarding Credit Card Settlement amount and Misbehavior and Repetitive harassment by your executives

Respected Sir/MAdam,

I used to posses SBI Credit Card, No [protected]. I had already notified the bank regarding the dispute on my transactions in the month of September in a letter (email) dated 8th of September 2008 and addressed to head.[protected]@ge.com, But I did not receive any reply from the bank.

In the first week of September Mr. Francises, Bank executive from the SBI, Credit Card Department, Mahim Branch, Behind Mahim Church, Mumbai, initiated a negotiation over my queries regarding the credit card statement. On 26th of September 2008 Mr Thorat gain from the same branch informed me that the bank has issued a settlement letter of Rs 35000 and directed me to pay Rs 3200 as a part of the settlement by cheque. I did pay the amount by cheque, cheque number 693816, cheque dated[protected]. Therefore the balance settlement amount,[protected]=31800.
On 26th October 2008 another executive called up from the same Mahim Branch and directed me to pay Rs. 3030 again by cheque dated 7/11/08 as a part of the remaining settlement amount. Again I did the same, paid by cheque, cheque number 693818, cheque dated 7-11-08. Therefore the balance settlement amount,[protected]=28770. He assured me to send me a letter within 2 days regarding the balance settlement amount of Rs. 28770. He also asked me to pay the remaining amount in 5 monthly installment of Rs. 5754 and details of these will be mentioned in the letter. The conversation with your executives has been telephonic conversation from the telephone numbers[protected],[protected]. And they have always presented as Bank employees from Mahim Branch and not any back office people. I have the receipts for all the payments made and also the settlement letter issued by the bank.
But I did not receive any letter from the bank. Hence I called up to enquire on the numbers[protected],[protected], The executive on other side directed me that the settlement is now null and void.
I would like to know why the settlement is null and void when done as per told by the bank officials.
On the 4th of December at around 7.00 p .m. Mr. Sanjay posing as bank executive called upon the residence and started misbehaving with my parents who are senior citizens and my younger brother who is below 18 years of age.

His sentences to my brother were:

“Your Sister dates and moves out with guys, hence she requires money”

How can he pass such derogatory remarks?

He again started negotiating with my parents a new settlement amount, he also asked my parents to pay the amount. I would like to ask you “How can my parents be asked to pay the amount when they are not related in any way to SBI credit card [protected].Nor are they the guarantor and how can the settlement amount be negotiated with them”.

I took over the telephonic conversation. He now told me that he has the settlement letter of Rs. 35000 then why was he abusing and misbehaving with my parents and passing those derogatory remarks. I confirmed with him that I have already paid Rs 3030+ Rs 3200 = Rs 6230 as a part of the settlement amount and also told him about the past conversation with Mr Thorat and other executive and execution of instructions as directed by them. Over this Mr Sanjay started shouting and passing comments:
1. “My money is wasted as I have called you”
2. You talk to much You should be a radio jockey, You start working at a radio station.
3. I know there is a fan at your place, I can here it’s noise

I interrupted and reminded him that I have the receipts and the settlement letter. Over this he again started passing critical remarks:

1. What proof do you have that the two installments paid by you are a part of the settlement amount?
2. Where is it written on the letter/ receipt that it is a part of the settlement amount?
3. According to him the previous bank officials were a part of some call center or back office.

And again started passing remarks. I had no other option but to discontinue the call. He started harassing my father by calling him on his official cell number.
His harassement, behaviour and derogatory remarks has resulted in a lot of mental stress to me and my family. I had carried out all the transactions as directed by the bank officials from the SBI credit card department, Mahim Branch, Mumbai. And Still I am harassed.

Kindly clarify on

1. Executives called up saying they are employees of SBI Bank.
2. Mr Sanjay call’s up and starts harassing, saying previous employees are not bank officials they belong to call center or back office
3. Whom should we trust?
4. How can my family members be harassed and threaten?
5. How come suddenly the balance settlement amount of Rs. 28770 is changed again to new amount yet to be decided.


The harassment to my family members continues I may have to take certain steps.

Regarding the settlement amount I request you to direct me to someone senior and responsible bank employee. As I do want to settle the whole matter.

Inspite of a written complaint to Head Sbi the harassment still comtinues.In spite of written complaint on the 4th of December 2008, I am still facing repetitive harassment from the SBI executives calling from your Mahim Branch, Tel No: 30827966

Calls are still made to my fathers official cell no. On the 6th of December I even received a call from your Mahim branch in the morning, your executives Ms. Alva said she will get back to me within 5 minutes and did not call back. I told her about Mr. Sanjay’s complaint. Then around 12.00 p.m. clock repetitive calls were made to my father’s cell. Mr. Sanjay then called up today (6th of December) around 12.15 p.m. on the residence no and again started using foul words as follows:

(i) To my mother: “Your daughter is working, why can’t she pay the money”
(ii) To my younger brother: “ Bhavdya, there ma ko phone de”


In spite of logging a complaint Repetitive harassment continues from Mr. Sanjay and other bank officials.

I do not want any calls from your Mahim branch, I would like to directly talk to some responsible person from Delhi office.

Shruti Dilip Mantri
SBI credit Card Account No: [protected]
SBI credit card No: [protected]





Shruti Dilip Mantri