State Bank of India [SBI] Complaints & Reviews

Baholi,
Dt.31.01.2010
To,
The Branch Manager,
SBI,Panipat refinery branch,
Baholi,Haryana.
Dear Madam,
Sub: ATM withdrawal for S.B a/cno: [protected] one time cash with drawl, but A/c. debited by twice.
I am SBI ATM card holder & having saving bank account no [protected] at Panipat refinery branch,Baholi, Haryana. I have used my debit card/atm card:[protected] state bank of India at ambedkar road,KARNALl(ATM ID S!CN[protected],dated 10/01/2010 at time15.37PM for withdrawal of Rs.1000/. debited twice in one time in one transaction by ATM m/c,but cash received only once i.e Rs.1000/- my account was debited by the same amount, the same amount of Rs.1000/ to be credited in my account,
The same to informed SBI Baholi branch also, as on date no action is taken
Kindly credit Rs. 1000/ my account urgently & oblige

Regards,


E.SHYAMKUMAR
Ph.no:[protected]
A/c.No.[protected]
Ph [protected]

Hello Sir / Madam,

I am not satisfied with the operation & service provided to the customer of your SBI TAJ GANJ Agra Branch.

There are two issues for which I am sharing my experience with you.

1). Non training given to Staff:-
· I have deposited a cheque of Rs. 9000 to the branch on 6th January 2010 ; the cheque was of bank Canara Bank Chennai branch.
The cheque was deposited to Canara bank Agra branch on 7th January by your branch then was returned backon 9th January 2010 mentioning reason account not with us by canara bank. Though on my chrge slip which I deposited the cheque mentioned all my contact number etc, bank have not intimated me the problem caused.
Then accidentally I cheque the balance I found the return cheque on 13th.

· Then I again have gone to branch to discuss what problem have taken place, firstly I was directed to one officer then to other to discuss the problem almost took hours. Ultimately have gone to branch manager. She told me that now we will forward the cheque to SBI Chennai branch and then they will clear the matter. I again deposited the cheque on 14th January 2010 (MENTIONING ON THE CHARGE SLIP TO BE SENT FOR CLEARING AT CHENNAI) then again by bank mistake again was sent to Canara bank Agra branch. Then again I have to bear Rs. 75 + 75 = 150 for cheque return charge. the cheque mentioned again all my contact number etc, bank have not intimated me again.

Then was recommended by Branch head why don’t you avail net banking??
I accepted the good proposal. Have done all the formalities for it.

· Then I myself waisted 1 hour discussed the matter with Mr. Verma and asked him humbly to post to Chennai SBI.
Today is 29th January 2010 again 85 Rs is debited i.e. 150 + 85 = 235.

· So to take a chque to be cleared have to speak to bank several time, have to talk to them hours the cheque cleared in 24 day. Have to Pay Rs. 235 extra. Is it ok??

So I humbly request you to atleast refund my charges back. You can check all my slips.






2). Problem caused in opening of NET BANKING for a saving a/c.
On recommendation of opening a Net Banking a/c.

· The net banking kit was given to me. After doing long labour.
Was told that it would be activated after 24 hours.
After a day I checked it not worked after entering username & password.

· Have again gone to branch to check the status. Have to wait for half hour, then visited to Branch head. The message was given you come tomorrow as full staff of system adminstartion is on off?

· Then again on third time visited to branch fortunately the system administration staff was present have to wait for long as the system administrator was unable to assist me. Then a new person approx after 1 hour reset all the conditions using my secret Net banking & password which he asked me to show in presence of Branch head named Mr. Gaurav.
Was again told that it would be activated after 24 hours.
After a day I checked it again not worked after entering username & password.

· Then again have gone to branch head she replied that in your case NET BANKING will not work, so you drop the idea of taking Net Banking and you can apply MOBILE BANKING.

· Please tell me why in my case net banking will not work?? Is my funds safe in this account as bank people know by username & password??


I am thoroughly disappointed with the sort of service being provided to me?? No one is ready to assist me?? Why in my case net banking is not activated?? Appropiate training should be provided to bank of dealing with the customers??



DETAILS:-
Name:- Mr. Aditya Mohan.
Saving a/c:- [protected].
Branch:- SBI TAJ GANJ AGRA.
Contact number:- [protected].
Address:- 4, Bansal Nagar Fatehabad Road Taj Ganj Agra (UP) India-282001.


INTERNET BANKING
Kit No:- [protected].
Packet no:- 90050.
Circle No:- 04.
Serial No:- 58.

The Net Banking should be opened by sending some representative to my home, if SBI cares for customer and personal apology letter from branch should be send to my mailing address.


I request you to solve my both problem asap.


Hope to find resolution to my problem.



N.B:- THIS IS MY FIRST COMPLAINT EVER, AM HOLDING THE ACCOUNT OF MINE &MY FAMILY FOR MORE THAN 30 YEARS WITH SBI.



Yours truly,

Aditya Mohan

I tried to withdraw Rs 5,020 from Syndicate Bank ATM located at Basaweshwara Nagar, Bangalore with my SBI ATM card on 20th Dec 2008. I got "Unable to perform the transaction" message, but I got the SMS from SBI that the amount 5020 has been detected from my account.

I had given 3 written letters & send plenty of mails and following the bank for more than a year but i had not received any updates. They always tell me that the other (Syndicate) bank is not responding. please let me know how can i proceed. i am really in need of money now....

Here are my details

Name : Mr. NARAYANAN L
Account Number :[protected]
Branch : MALLESWARAM BANGALORE
Date of Transaction: 20 Dec 2008
Transaction Description: ATM WDL[protected] [protected]-
Amount: 5,020.00
ATM Used: Syndicate Bank
ATM Location: Basaweshwara Nagar (Near Police Station), Bangalore.

sir,
i anoop vuppala s/o v.s.s.prakash rao resided at anakapalli ,visakhapatnam dist,andhra pradesh.now i am studying at BLEKINGE INSTITUE OF TECHNOLOGY,SWEDEN.I applied for sbi vishwa yatra card for euros in SBI overseas branch at VISAKHAPATNAM.but now when iam using for net banking it is saying that my web pin is wrong and my card no is [protected] and my passport number is G3864536 and my visa number is S01872933 so please make it work as early as possible

I am a customer of SBI Kayamkulam branch,Kerala and my account number is [protected].I have a savings account in this branch.On january 7th 2010 i went to withdraw cash of RS:6500 from Karur vysya bank ATM (ATM ID:S1AC0113301)Idappadi in Tamilnadu.The ATm machine neither delivered me cash nor produce any transaction slip.On next day while i checking the ministatement i realized that my account hasbeen debited of RS:6500 for that incomplete transaction.i complained in both the SBI and Karur vysya bank.But i didn't get any response from these two.Sir please HELP ME to get my money back.

I HAVE PAID MY CREDIT CARD DUES THROUGH PAYNET ONLINE FOR AN AMOUNT RS.10000/- THROUGH ICICI BANK.

TRANSACTION REF NO. IS MICI[protected] dtd 28.01.2010 time 12:16:01

I HAVE NOT YET RECEIVED AN E-MAIL FROM PAYNET NOR THE SAME IS REFELECTED IN THE PAYMENT HISTORY. MOREOVER, THE AMOUNT HAS BEEN DEBITED FROM MY SAVING BANK A/C OF ICICI BANK AND THE ONLINE CONFIRMATION RECEIPT INDICATES “TRANSACTION FAILURE” WHEREAS ON SCREEN IT WAS DISPLAYED AS “SUCCESSFUL”



IT IS REQUESTED TO PLEASE CLARIFY THE ABOVE ANAMOLY AND STREAM LINE THE SYSTEM SO AS TO AVOID CONFUSIONS/MISTRANSACTIONS IN FUTURE.

i made a transaction of 500/Rs. at SBI ATM sec 16 Vasundhara Branch but i got only 100/- and 500/Rs. debited from my account. I Met manager but he is showing helpless. I have slip and transaction number and a person contact number as eye witness.
They can easily verfiy it as from the time of transaction.

Please suggest how can i get my cash back.

Dear sir,

I have applied SBI credit card through your sales executive. (this is the second incident)
He has taken my all documents along with my application.but still i am not recived my new card or satus. Please give me a feeed back as early as possible.

My application number is S[protected]

Date of Birth:- May 17th, 1977

Mob no; [protected]

thanking you,

with regards,

Rajeev Gupta

i am a exixting costumer of SBI. During 2006 i took car loan from SBI Main Branch, Rampur, U.P. for which a sum of Rs. 5000/- per month was being deducted from my saving account No. [protected] , bank code 0702. During 2007 i repaid the whole loan amount but till date Rs. 5000/- per month being kept pending showing against me due to which i am unable to draw amount already available in my said account. please do the needful as soon as possible so that i take out my money deposit in said saving account.

sir ,
i paid the application fee for po exam but not registered online yet as i cam to know that appearing graduate candidate are not elligible.will i get the application fee back foe the same.if yes then what is the procedure for the same?

Dear Sir,


I retired as Group Captain from the IAF. My pension pay order no. 08/14/A/0228 of 2009 was forwarded by Office of the DY Controller of Defence Accounts (AF) New Delhi-10 for payment to SBI Branch Air Force Station, Jodhpur for crediting into my Account No. [protected].


The necessary papers in original were forwarded by the SBI Branch Air Force Station, Jodhpur-342011 to
SBI, Pension Centralised Processing Cell , Second Floor, SBI Building , Chandni Chowk, Delhi-110006 by courier on 11th December,2009.


So far the amount is not credited in my account. On checking from the Branch Manager, SBI AF Stn, Jodhpur, I was told that the SBI, Pension CPC, Chandni Chowk, Delhi-6 has informed them that the original papers sent through courier are not traceable, so they cannot credit the money in my account.


I want to bring it to your kind notice that I am a Retired Officer of the Air Force who has served for more than 3 decades and at this stage because of delay in payment of my due benefits I am feeling very harassed and helpless. I don't know who is going to pay interest for the amount which is due to me for no fault of mine. I need the money immediately to sort out various financial problems like children's education, paying for a house, insurance policies, medical bills etc.


May I request you to kindly intervene and take the necessary action for early payment of my dues as I am not in receipt of even the pension for my survival.


Thanking You!
Regards
Group Captain Pradeep Kumar Khanna (Retd.)
+91-[protected]

S.K.RAJWANI
10-B/9, Nityanand Baug,
R.C. Marg, Chembur,
MUMBAI-400 074.

Mob: [protected]

Dt. 26.10.2007

Dear Sirs,

I was 1st issued an SBICARD under No. [protected] , in 1 9 9 7.

The transactions were in order and payments prompt.

The Loan offer of Rs. 25,000.00 led to all the problems.

There arose disputes, and finally after a great deal of correspondence and telephonic talks, from New Delhi, with Mr. R A H U L S H A R M A ( Mob Nos. [protected], [protected] and[protected] a settlement was reached and recorded, duly accepted by SBICARDS, New Delhi.

It was an orally accepted condition with Mr. Rahul, that periodically, SBICARDS, would issue balance certificates, to avoid any subsequent disputes, in this regard, and finally a NO DUES CERTIFICATE.

All payments were made, as agreed, by way of DD’s on Canara Bank, payable at New Delhi.

Despite an assurance, from Mr. Rahul Sharma, of issuance of N O D U E S C E R T I F I C A T E, instantly upon receipt of last payment, this N D C was not forthcoming despite the payment being made in Sept. 2007.

Thereafter, I had to travel to New Delhi, to procure this N D C. After a great ordeal of over 5 visits to different offices of SBI and labour of 2 days, I could procure this N D C on 11.01.2008, duly signed by Manager- Payment Assistance, under Tracer No. TC – GGN[protected] on. 11.01.2008 ( erroneously dt. 11.01.2007).

Now despite the ALL THE PAYMENTS BEING MADE, AS PER RECORDED TERMS, MORE THAN OVER T W O Y E A R S ago, I am still being treated as a defaulter, getting emailed statements showing payments still due, getting calls to repay the dues, and the name appearing in CIBIL, amongst others.

I request you to please look into the matter, and arrange to stop all the nuisance being caused as in last para above.


Please advise me via my email.

Yours faithfully,

S.K.RAJWANI

Dear Sir/ madam,
i am account holder of SBI of Branch- Takhatpur Dist- Bilaspur State- Chattisgarh. After getting ATM card and password when i use it 1st time the atm machine shows it as invalid card, plese solve my problem as soon as possible and also notify the requirements from myside through e-mail or call me at [protected]. my atm card no is[protected]....

Dear sir/Madam
My self Ananda Kumar B.S, SBI Account holder (Savings Account) with
the fallowing detaiils
ANANDA KUMAR
A/C N0.[protected]
CARI BRANCH(7027)
BAREILLY.UP-243122

During process o[censored]sing debit card, by mistake,I typed wrong pin
code,so now my debit card pin code is locked . so now iam in hyderabad
so i cannot able to contact my branch office.As i remember my original
pin code what are the alternatives to use my debit card and unlock my
pin code.What are the details you need for this.
Please respond to this mail immideately

Thank you

Your,s customer

Ananda Kumar B S

I have an savings account (a/c no. [protected]) in SBI from which i withdrew Rs.7000 through my ATM card (ATM card no.[protected] from a BOB (Bank of Baroda) ATM Machine in Alambagh,Lucknow on 10th of May 2009, which eventually failed but debited my account by the same amount.

Now as per rules the amount should have been returned back in the respective account no. within 14 days, which din't happen. After several enquiries and visits in both the respective Banks and even submission of applications on time the amount was not returned back within the specified time and i was kept in dark all the time for my refund all the time.

Now as being a working widow, i din't get enough time to go to the banks again and again and i finally lost hopes of getting my money back to me.

Finally the money was transferred back to my account after a long period of 6 months and 6 days on 16th of November, 2009.

Now as per RBI Rules banks have to return the money of the failed transactions within 14 days, which in my case dint happened, more over worst happened.

I request you to accept my plea for the same and request you to take action against both the banks.
I would request you to order the banks for the granting me compensation and interest over the money they retained for such a long time due to a failed transaction.

Sir,

My name is Richa B Khobragade. i have a savings account in SBI Badnera branch, Amravati. On 24-Jan-2010 I tried to withdraw Rs. 10000 from ICICI bank ATM (ATM ID : S1CW5497) at around 20:53 hrs,which is situated at bandra-kurla complex, Mumbai (near asian Heart Institute). The ATM machine didnt return any cash saying 'the transaction can not be processed' but still the money is deducted from my account. The ministatement is showing the withdrawl of rs. 10000, but i have not received the cash.

I want the cash to be recredited into my account as soon as possible.
please guide me in this situation regarding what should be done.

My Account details are as follows:

My account no is : [protected]
Debit card number :[protected]
Branch details : SBI Badnera branch, Amravati


thanking you,

--
Richa K.
[protected]

sir i have taken the house lone form sbi bagmugalia branch bhopal under sbi special home lone ,my lone ac no is [protected] ane lone was passed on june 2009 , under this scheme sbi life will provide free insurance policy but till date i have not received policy paper many time i have contact to RACPC BHOPAL (MR NANDA) and others officer but they have not given me proper answer , kindly help to ger policy parer . thanks mobile no VIKRAM S TOMAR [protected]

sir
my name is prakash kumar mohapatra.i opened in SBI in duduma branch oppened a account in bhubaneswar.so i forgetten my PIN code for me so i send to application to duplicate PIN code but 20 to 25 days i have not receive my duplicate PIN code so please request send my duplicate PIN code.

A/C no=[protected]
card no=[protected]

adress=L-1644 2nd phase dumuduma H.B colony khandagiri BBSR-19

Dear Sir,

My brother Sh. Harish Chandra Chaturvedi,PPO[protected] June, 1997 has some doubts on pension payments made to him as per detail given below:-
From May,2009 to July,2009 @ Rs.4645/-
From Aug.09 to as on date @ Rs. 4093/-
Payment of arrear made Rs. 13567/-
Kindly look into the matter & if there are any errors which made difference in payment of pension, do ratify them by providing the full detail of pension payment made to him from May,2009 onwards to mitigate the doubts in my following e-mail address so that I may convey him the factual position. I humbly request you to provide this information immediately through my e-mail address [protected]@gmail.com so that I may save my time without visiting your office personally in this context.

Yours faithfully,
M.C. Chaturvedi,
E-260, Delta-I,
Greater Noida
U.P. Pin. 201308
e-mail [protected]@gmail.com

I, Shardul S Bhatt 25, Saundarya Bunglows, Opp Sant Kabir School, Vasna, Vadodara
(Gujarat) contact No.[protected], 0265 – 2252346, HTL a/c Nos. No., [protected] and [protected] closed due to loan taken over by Bank of Baroda, Gotri Branch, Vadodara on 19 Jan 2010, since SBI was charging huge rate of interest 12%pa compared to 8.75%pa offered by BOB, submit the following for necessary/ favorable action against the anti customer policies of State Bank of India and not responding to genuine complaints of their customer. Please expedite ……

01. I availed a housing loan of Rs 16 lacs for purchase of newly constructed property which is my present residence as listed above under special bonanza home loan category on 19 November 2005 from State Bank of India, Urmi Branch, Vadodara.

02.The loan was extended in two parts i.e. Rs.9.60 Lakh at the then prevailing floating interest rate of 7.5% p.a vide account number [protected] and Rs.6.40 Lakh under fixed interest rates @8% with 3 years reset clause vide account number [protected]

03. In addition to my normal EMIs, between Y2006 and Y 2008 I have paid close to Rs.8 Lakh from my personal savings to SBI in HTL A/c.[protected], as the floating loan rates were volatile during the said period. Thus the outstanding amount came down to Rs.1, 52,2000/- as on December 2009.

04. In December 2008 the interest rates in A/c. No. [protected] were reset as per the reset clause from 8.0% to 8.5% The outstanding amount was close to Rs.6.0 Lakh.

05. However on 9th December 2009 the bank suddenly debited a sum of Rs. 20434/- to the fixed loan account No. [protected] and increased the rate of interest to 12% without any information or explanation.

06. On 14th December 2009 I have informed the branch manager who advised to approach SBI, RACPC office in Vadodara.To my utter consternation I receive a courier from RACPC on the very same day informing about the revision in interest rate w.e.f. 15/12/2008.i.e. on the very same date of my complaining about the arbitrary increase of interest rate.

07.What is more is baffling is that they (RACPC) have enclosed a fake post-dated notice addressed to me at my old residence. While my correspondence address has been changed in all bank records since the year 2007 (I do have an acknowledgement of this to prove I am right).

08.Obviously the revised fix rate of interest of 12% pa was supposed to remain constant until next 3 years.

09.I then wrote the matter to RACPC as well as banks Zonal Office at Vadodara. But none were bothered to respond.

10. Peeved by the indifference from SBI bank I approached Bank of Baroda who were willing to take over the remaining portion of the loan at much lower rates of interest as cited above.

11. On 31st December 2009 I given a foreclosure notice to SBI, Urmi branch as well as RACPC requesting them not to charge any higher interest rate since the loan agreement clearly states that if the customer is not agreeable to the increase in interest rates he can do so by informing the bank within 15 days and can payout the remaining amount to close the loan.

12. I received a foreclosure letter from the branch for an amount Rs.7, 63,503/- and received a disbursement of same amount from Bank of Baroda which was deposited in SBI, Urmi Branch vide cheque No.794236 dated 19/01/2010 for Rs.763503 (cleared on 22/01/2010)
.
13. On 22/01/2010 the RACPC Office refused to hand over the original documents as the foreclosure letter did not include 2% penal interest for foreclosure of the loan, which was close to Rs.14, 000/-. They were not realizing that as on 19/01/2010 Rs.11, 000/- was credited in my loan account towards EMI for that month.

14. I was made to run from Pillar to post to obtain my original documents, as it was obligatory on my part to create equitable mortgage with Bank of Baroda my new lenders.

15. Finally I had to submit to the arm-twisting ways of SBI and pay the remaining amount to get my documents.

My submission is that

-There is a blatant breach of contract by State Bank of India in addition with a rider that either I should agree to the new rate of interest or should pay the outstanding amount at once where I have opted to the later by switching the lender so where does the question of paying additional interest arise?

- Please note that under what banking regulations the SBI possesses the right to arbitrarily change and enhance the rate of interest within 11 months after having done son in Y2008.

-Why should the customer suffer because of any calculation mistake by the bank?

Since State Bank of India has behaved in such high handed fashion and flaunted every norm of fair consumer practice the bank should be severely censured and asked to payback the excess amount of Rs.24066/- charged towards excess interest and Rs.14989/- foreclosure penalty.

Much aggrieved by the said arbitrary & unilateral action on the part of State Bank of India I approached almost all levels of SBI, s hierarchy but to no avail.

It is pertinent to note that presently no bank is charging the interest rate @ 12% pa on housing loan; instead new customers are being attracted through various medium of advertisement to avail home loan @ 8%. Ironically a regular payee & trusted old borrower is being charged @12% pa.

The above facts reflect the high handedness, arbitrariness and a blatant misuse of alleged discretion that State Bank of India possessed as claimed only to the pains of loyal customers.