State Bank of India [SBI] Complaints & Reviews

Dear Sir,

Fradulent attempt by SBI Cards & Payment Services Pvt Ltd to
Invalidate a payment of credit card bill of Rs.390.00 by effacing
date of cheque ( Credit card No. [protected] )

With reference to the above, I hereby narrate the details of incidence
faced with the captioned credit card company .

i) After receiving the monthly statement ( dated 25.03.08 for Rs.388.05),
I submitted the cheque No. 325053 dt 07.04.08 for Rs.390 towards payment of the bill ( payment due date was 14.04.08) as usual.
ii) On 24.04.08, I have been informed by a letter dt 13.04.08 that the above cheque no 325053 could not be banked due to invalid date. They also instructed me to deposit a fresh cheque. Immediately, I submitted a separate cheque bearing no.325057 dt 24.04.08 for Rs.390.00.
iii) On receiving the next statement ( dt 25.04.08) I noticed that an additional amount of Rs.876.44 has been charged as penalty & other charges for default in making payment within due date ( in their version, earlier cheque was with invalid date). As there were some other purchases during the transit period, the total outstanding shown in the said bill was Rs.6380.49 inclusive of Rs.876.44( payment due date was immediate instead of 14.05.08 ). I have not been given the normal period of enjoying credit facility for the said bill. However, I submitted cheque no. 325061 dt 01.05.08 for Rs 5990.49 after deducting an amount of Rs.390 already paid by cheque no 325057 dt 24.04.08, which was not shown as payment received in the said bill. I also sent an e-mail dt 02.05.08 requesting them to return the disputed cheque no. 325053 dt 07.04.08 for Rs.390.00 as I have already paid the said amount by a different cheque.
iv) In reply to my e-mail they informed me that the said cheque is non returnable. They also informed me that they have refunded an amount of Rs.350.00 ( a portion of penalty they charged earlier) to my credit card a/c instead of total amount of Rs.876.44 which they have charged. They also expressed their inability to refund any residual amount i.e, Rs.526.44 ( Rs.876.44-Rs.350.00) levied on my card a/c.
v) On my subsequent e-mail dt 10.05.08, I insisted them once again to return me the original cheque. In reply, they informed me that the entire amount of penalty i.e, Rs876.44 has been refunded to my credit card a/c which will be reflected in the subsequent monthly statement dt 25.05.08.
vi) Again, I sent an e-mail on 24.06.08 asking them to return the disputed cheque for which I was sure that the said instrument was a valid one. In reply on the same day I have been informed that a copy of the said cheque was dispatched from their end & not the original one. The said copy was received on 30.06.08. On receiving the copy of cheque, I noticed that fraudulent attempt have been made by the credit card co to invalidate the cheque and for this reason they were not willing to return the original cheque. Actually, they refunded the entire amount of penalty for suppressing their misdeeds.

Hope, I have been able to narrate their malafide intention in detail. Now my question is why the credit card co like SBI has resorted this unfair practice ? They have unnecessarily harassed me for earning some money charging as penalty . In this connection, I like to mention that I am using the SBI credit card for the last eight years and I have never been defaulted in making payment. Copy of the said cheque is attached as a separate folder for your investigation.
For unnecessary harassing by adopting fraudulent means, I request you to investigate the matter with SBI Cards & Payment services Pvt Ltd & take stringent action so that this type of incident may not happen in future. If it is to be proved that they have resorted this unfair practice for earning extra, they should be penalized with an explanatory amount of compensation. On receiving reply from your end I will despatch all the supporting documents by SPEED POST.


Date: 28.03.2009
144/1 Naskarpara Road, Yours faithfully,
Kolkata-700 041
( P. Chakraborty)

res
sir, mam


my name is ASHOK.PATEL, I have given exam on march 2009, they have taken my holl ticket as well so i dont know my roll no which is required for result. i know my registration no is 511941.
so please can you halpe in getting my roll no & send me on my E-mail id which is ashok.[protected]@zapak.com

AS MY ATM CARD HAS BEEN GET DAMAGED AND I HAVE GIVEN A LETTER TO BRANCH MANAGER AT NAMAKKAL BRANCH ON 29/09/08 AND WE CONTACT BANK AFTER FIFTEEN DAYS AND STARTED CONTACTING REGULARLY BUT THE BRANCH MANAGER DOES NOT RESPOND PROPERLY AND NEXT WE GO TO SBI CUSTOMER CARE COMPLIENT THROUGH EMAIL BUT THEY GIVEN COMPLIENT NO ONLY BUT NO REPLAY FROM THEM. I HAVE ATTACHED THE LETTER SUBMITTED TO THE BANK AND COMPLIENT NO .SO PLEASE TAKE INTO CONISDERADATION AND HELP ME SIR .

THANKING YOU
YOURS FAITH FULLY
ETHAYA DATHIYUS TENSON.S




Date : 29/09/08


From,
S.Ethaya dathiyus tenson.
c/o Lubing India pvt ltd,
175/1 R.R towers,
Sp pudhur,
Namakkal-1
To,
The manager,
STATE BANK OF INDIA,
Dr, shankaran Road,
Namakkal.

Sub reg application for replace new ATM card,

As I am account holder state bank of India and holding a savings account and my account no is ([protected]), As my ATM CARD no[protected]) and it has get damaged so I unable to make transaction in my account, so please replace the card as early as possible and do the necessary needful to us.

Thanking you sir


Yours faithfully

S.Ethaya dathiyus tenson.

Date : 29/09/08

Place: Namakkal


THANK YOU FOR GETTING IN TOUCH WITH SBI.
Your complaint has been forwarded to the concerned department for necessary action.
You will have a response from them shortly.

Your Complaint Ticket Number : CC[protected]
Email :



Regards,
CUSTOMER SERVICES TEAM

I am having a saving bank account in SBI, Lalitpur([protected])and recently I have received an internet Kitt bearing No-[protected].When i logged in using the user ID and pass word the message received is ":invalid pass word and user id".This matter was informed to Mr Rastigi of SBI, Lucknow but ti ll date i have not received any response.

I request you to kindly do the needful and conform.

Regards
PCPradhan

Please let me how get my forgotten pin number for SBI ATM.

SIR,
My wife SHEELA RAJANhad a SBI Card, State Bank of Travancore bearing card No [protected] valid till 11/06. She had done only one transaction and the payment for the same was done, a payment statement dated2/6/2006 for Rs 826.50 was received, she did not pay this because shed not made any purchase, because when the agent had filled up the form had told that the card does not have any annual fee.
On may 2nd 2007 she recived a statement asking her to pay Rs 7650.72, she did not bother because she had not done any transaction because the validity was over by 11/06, she used to get calls froman agency authorized to collect payment, I went to their office in ernakulam and they told me that a trnasaction of insurance company namely Sunduram Insurance has been done by her card on 31/3/07, so i assume someone has something on an invalid card and now my wife is being asked to pay for sometghing she has not done or aware of,
the reacet call i attended they say theyn are calling from CHENNAI and the amount to be paid is arround
R s 19000/-
My request to you is please do the needful stop this harrasment mty these agents of SBI CARD.

REGARDS,
RAJAN, ([protected]@gmail.com)

Pl find below the complaint sent to SBI card Division for harrassment of DSA of Mahim Branch.

Dear Sir/Madam,

Thanks for your reply dated 14.03.2009 towards my letter dated 28.02.2009.

I am unable to understand the procedure followed in collecting the dues through collecting Agents. After receiving your letter, i had asked to SBI staff from Mahim branch( is this a Bank Branch or Collecting Agents Office ???)for necessary settlement. But they are variables on their grounds. As one is asking for the minimum amt due, another ready to give a settlement amt.

In this regards i talked to your representative Mr. Ravikant from Mahim branch (Bank Branch or Collecting Agents Office ? )that i am not able to pay the due in time as i am passing through some financial crises and and i will be able to pay in the month of April.
I am sure, if i am paying the dues after the due dates, it will panalised for late payment charges. i agree to this. But as this is Credit card payment,


how your collecting agent can force to pay the same imediately on tomarrow i.e. on 27.03.2009 and if i failed to pay the same, your staff threatened me to visit my Residence to collect the same.


Is this is a proper way to handle the customer in this manner ????



If you can see my previous payments, i had made the payments as under in recent months.
04.10.2008 Rs. 4500.00
06.11.2008 Rs. 4750.00
29.11.2008 Rs. 4500.00
06.12.2008 Rs. 4700.00
25.12.2008 Rs. 4600.00
24.02.2009 Rs. 4400.00

Even i am ready to pay the dues, but your staff had given this warning to pay.

Requested to Pl inform to your staff that we had not taken any personal loan at our will, this is a credit card payment under the terms of credit facility to pay min. amt in due date, and if failed it is being panalised by bank in their statements.

Recovery Agents are supposed to recover the dues in fair parctices and not by abusing and harrassing the customers to pay. ( Pl note the RBI Guidelines to Credit Card Operations of Bank (Nov 21, 05) under para 5 protection of customer Rights under sub para (iii)(c).

So, pl inform to your staff to wait for the payments and do not harrass the customer (me and my family).


Regds.

Sachin s pedamkar
Cell No. [protected]

I had applied for a loan on Tuesday 14.03.09, the papers were sent on 23.03.09 after thorough screening by the Customer Executive of Nizamuddin branch of the bank. We were later asked to submit any address proof except the Election voting ID card as the bank believes it to be easily forged. We promptly gave telephone bills, in person. Now again the loan is put on hold without telling us or even the customer executive of our branch about the reason. We have submitted a complaint on the sbi website however they ask for a month's time before moving up to the ombudsman. My query is that it being very easy to secure loan from any private bank, why would any customer stand this harassment? Please take strict action against these babus.

DEAR SIR

I HAVE INVESTED IN SBI MUTUAL FUND VIDE FOLIO NUMBER 8862999 ON 31.03.07
THAIR WAS ADDRESS MISTAKE IN MY CERTIFICATE
I HAD MAIL FOR THIS MATTER TO [protected]@camsonline.com MANY TIMES
TILL DATE NO REPLY IS BEEN RECEIVED
& PHONE NUMBERS ARE ALSO NOT AVAILABLE

PLZ ADVISE ME WHAT SHOULD I DO

DEEPAK KUMAT

I HAVE LOST MY DEBIT CARD YESTERDAY WHEN MY HUSBAND WHILE HE IS TRAVELLING. HE IS DISTRICT ENVIRONMENTAL ENGINEER TAMILNADU POLLUTION CONTROL BOARD CHENNAI DISTRICT . KINDLY TAKE NECESSARY ACTION TO BLOCK THE CARD

MY SBI DEBIT CARD NUMBER IS[protected]

MY ACCOUNT BRANCH IS STATE BANK OF INDIA SUBRAMANIA PURAM
KARAIKUDI


THANKING YOU

A.MALA

Hi,

I got an A/C payee check of amount Rs. 2500.00 from Syndicate bank, CET campus, Bhubaneswar and dropped the check at State bank of India, Rajarajeshwari Nagar, bangalore on 16 jan 2009 as I have an A/c in that branch.

But till now it has not been encashed to my account. while depositing the branch, bank authorities told me that it will take 3 weeks for processing as it is out of state. But till now it is not encashed. Still I am waiting for the check to be encashed.Below are the details:

A/c payee check no. 562259 syndicate bank, CET Campus Bhubaneswar, Orissa
Check deposited at : SBI, Rajarajeswari Nagar, Bangalore where I have an sbi a/c


Regards,
Dinesh
[protected]

REF NO: MQ[protected]
D.O.B : 24.02.1959
NAME : RAVICHANDRAN.S

After protesting unilateral closure of my credit card, you have issued a letter informing me about the closure. While condemning this unilateral cancellation i request you to issue me a new credit card immediately. Hope you will take immediate action in this matter.

Dear Sir / Madam,

I am one of SBI credit card user, 2 days back ur collections guys come to us and they threatend me they told me the NBW ( Non bailable Warrant) has been issued against me but i never recieve any summon and notice from ur side, executive o[censored]r bank always used to come and pick the payment sometimes they have not issue me reciept this is very shameful that your senior employees whos name is Mr. Kapil ([protected]) and Mr. Naveen ( [protected] ) came to my home and told us the NBW has been issued against me without any summon and notice after listening these word i got disturb and they brought me to Krishna nagar police station then i paid Rs 10000/- to escape myself even this time they have not mention my card number on the receipt

my actual usage is Rs 50000/- and til now i have deposited more that my usage still they demandind Rs 60000/- as settelement amout kindly look on matter take appropriate action otherwise i move for consumer court.details of card is given below;-

Card Number:- [protected]
Name :- Madan Lal

Thanks & Regards

Madan Lal

I would like to bring in you kind notice that different branch of SBI in Chennai has decline to open a saving account for my brother by stating that it is mandatory to take Accident policy of Rs 1 Lakh if he want to open a simple saving account with SBI.

It looks very strange to me that I need to purchase a product from a national bank in order to open a saving account. This is not the case with any branch in Pune

I am anyway going to open my saving account with other banks that are more then willing to offer better service without any cost and at the same time going to take this issue with RBI and Consumer forum for refusal of service by a bank, which is bound to provide it unconditionally.

I thought to seek help from Customer Care department of SBI and bring it in their notice about this mis practice at Shastri Nagar and Santhome branch before going ahead with a legal step.

Please explain me – Why SBI (Shastri Nagar and Santhome branch) has asked to buy Insurance policy with annual premium of Rs 1000 whereas this is not the case with SBI Pune and may be other states of India and if it is a mal practice at above mentioned branch then please take action and let me know the status of my complaint.

I will be waiting for 1 more week to seek some action on my complaint from your side. If I didn’t receive any favorable response from SBI, I will take up this matter with Banking Ombudsman and Consumer Forum to launch a formal complaint against these branches.

I paid my SBI card due via cheque dated 13/08/2008 and on 20/08/2008 the cheque was cleared from my Savings account. Till 02/01/2009 SBI card has not received the Cheque. I submitted them the proof of payment in form of PHOTOCOPY of CHEQUE (obtained from Bank at my expense of Rs100/-), duly signed by appropriate authority of Bank, the BANK CERTIFICATE, duly signed by BRANCH MANAGER and PHOTOCOPY OF PASSBOOK, duly signed by appropriate authority of Bank.
The above mentioned doccuments I submitted for THREE times in the month of OCTOBER 2008, NOVEMBER 2008 and DECEMBER 2008. In the Month of OCTOBER SBI CARD Blocked my Credit card.
0On 21/12/2009 the person who is sitting at the post of AVP CSTOMER SERVICE send me mail to submit the Bank Certificate and Bank Statement. I don't know who has read the mail from me and who is replying. This indicates that AVP CSTOMER SERVICE is anI iliterate person.
In the month of DECEMBER I filed a case against SBI Card.
Suddenly and surprisingly I received one mail from AVP Customer Service that SBI Card has received the payment on 02/01/2009 and there is no dues from my side. SBI Card informed that my card will be inactive for use.

The JANUARY 09 statement revel that the Total outstanding: Rs 2987/- (Card is active as per statement)The FEBRUARY 09 statement revel that the Total outstanding: Rs 675.57/- (Card is active as per statement)
The MARCH 09 statement revel that the Total outstanding: Rs 806.80/- (Card is Blocked as per statement)

Now, I am waiting JUSTICE from CONSUMER COURT.

From
Neeraj Kumar Rohtagi
77c/12, Mukesh Nagar
Street No. 3, Circular Road
Bara Ram Lila Ground, Shahdara Delhi-110032


Dear Sir,

Re:Non Receipt of Refund of Rs 4782/- for AY 2007-08, PAN :AEMPR8136E


I have come to know that my Refund of AY 2007-08 has been processed on 18/09/08 and Refund of Rs 4782/- has been sent to me by ECS/post. as per details mention below :-

Permanent Account Number (PAN) AEMPR8136E
Assessment Year[protected]


Mode of Payment SBI Reference Number Status Date*
ECS [protected] Unable to credit refund as the account number provided by you is incorrect Nov 15, 2008

In this regard i had submitted my cancelled ch. with my bank details on 27/01/2009 by hand to ITO Ward No. 35(1)

However, I have neither received the Refund by ECS nor by Cheque till date. You are requested to look into the matter urgently and send the same.My Bank Account particulars are given hereunder:

Andhra Bank, Vishwas Nagar, New Delhi
[protected]
MICR No[protected]


Thanking You
Yours Faithfully

(Neeraj Kumar Rohtagi).

I want to drag attention to the SBI Laxminagar branch. I wanted to get my, my wife's and my brother's saving account with the branch, but everytime the employees / and the branch manager refuses to open my account on ground of my residential address proof. They do not accept the following proof as a proof of residence:

1. Voter Id card
2. Income tax return acknowledgement
3. LIC bonds
4. Driving liscence
5. Proof of Residential address provided by my employer HCL Technologies Ltd.
6. Telephone bills (Airtel postpaid connection)
7. ICICI Bank statement

They provide the following reason:

1. Voter Id card can be considered only as proof of identity not as proof of residence
2. Income tax return is not a valid residence proof
3. LIC bonds are not considered in bank account
4. Driving Liscence could be made fraudulantly
5. HCL Technologies is not a reputed employer so they don't consider private companies
6. They will not consider private telephone operators bills. Only MTNL could be considered
7. ICICI bank is not a nationalized bank so they wont consider.

As per the SBI website, most of the above mentioned documents are valid residence proof.
The bank staff and the branch manager even refuses to give their denial to the documents mentioned in written. They use harsh words and deny to give even complain book!. Please suggest me whom to contact or complain so that I could enjoy my right to open an account!

Dear Sir,
I have an account in State Bank Of India branch (02578) MM Engg College Gorakhpur. The Account No. is [protected]. I am residing temporarily in NOIDA now days. On[protected] when i was trying to withdraw the amount of Rs. 900/- from the ATM at Noida sector - 2, but i have got only Rs. 400/- and Rs. 900/- has been deducted from my account. After that I had to withdrawn Rs. 500/- again. Finally Rs. 500/- Extra has been deducted from my account. So I have complained at customer care no. [protected]. They suggest me to wait for 2 days. After completion of 2 days, the amount has not been credited back, so I again made a call. Now they told me to contact my home branch. The officer of my home branch said me to send an application through FAX. On[protected] I sent a FAX of application and receipts on given number. After that I was in touch for a long time with my home branch. Finally they told me that they have forwarded the request to NOIDA, Sector-2 Branch for further process and they also suggest me to visit at Sector 2 Branch at NOIDA.
Now in NOIDA Sec - 2 Branch, Nobody is listening my query and the related officer is not accepting my Application too. The Manager of my home branch is saying that he is not the controller of sector 2 branch and he has done his work, If necessary he will forward the request again.

Mean while I have submitted a complain at SBI Online Complaint Board. The Complained ID is (CC[protected]
Four months has been passed already and my query has not been solved yet.

Kindly take the necessary action at the earliest and oblige.