[Resolved]  State Bank of India — lost cheques

Address:

Kangra, Himachal Pradesh

Complaint state bank of india
dear sir,

with due regards I wish to bring it to your kind notice that I am running a dealership of royal enfield motorcycles at dharamsala under the name Him Enfield and have a cash credit limit with your bank for rs 1000000 (ten lakh) since aug,2003 under the account at dharamsala himachal Pradesh branch of state bank of India.

In the month of march 2010, I sold one motorcycle to one of my customer sidharth rana for which his parvatiya gramin bank issued me a multi city cheque. The motorcycle was deleivered to sidharth rana on 28th march and he made me the payment for the same on 31st march 2010. The customer wanted to get the motorcycle financed by his bank in chauri, chamba but the bank refused to finance citing annual closing as the reason. The customer had a cash credit limit with the parvatiya gramin bank,chauri, distt chamba and the bank allowed the customer to pay for the bike using a cheque from cc account.

As I had sold the motorcycle on 28 march and issued the bills for the same on that very day I did not put any dd or cheque no in the bill. When the customer gave me the cheque on 31/3/2010, I deposited the same in my ccl [protected] in your bank either on 31/3/2010 or on 2/4/2010.

A few days later I checked my account balance and it was ok which meant that all the cash deposits and the cheques I had deposited in my account during the month were cleared.. Month end I usually destroy all the receipts and your bank is not in a habit of issuing monthly statements to the customers.
Everything was ok since august 2010, when one of the bankers called me up to inform me to deposit rs one lakh in my ccl immediately. On asking why I was told that on 28th of march they had wrongfully deposited an amount of rs 103960 in my ccl account. As I maintain my stock statement regularly I immediately understood that if one wrong entry has been made to my account it is also clear that one of my entries was missing. I told the banker about it and was told to first deposit the amount and only then the bank would check my problem. I checked my statements and found that one cheque issued by siddhart rana of parvatiya gramin bank was not cleared but in month of march my account balance tallied approximately making me to think that all cheques were cleared and hence I damaged the deposit receipts for the whole month..
When I told the banker that once you help me to find the misplaced cheque then I will deposit the amount in my ccl he told me that we know how to recover it.
I within two days deposited the said amount in my ccl and the wrongfully entered amount was recovered from my account.

But the status of my misplaced cheque still remains a mystery. I deposited the cheque with your bank and put it in the drop box of the bank.
I strongly reckon that the bank had misplaced my cheque and so no amount was deposited in my account. Either to patch up the issue or by mistake the bank put some nearby amount in my ccl and made my balance ok and there was nothing wrong till I came to know about this episode.

Once the bank has lost my cheque I have no legal right to claim it from the customer and by the inefficient and careless attitude of the staff I have been duped of an amount of rs 79900 and the bank staff has nothing to lose.

I feel the cheque was never send to the customers account for clearing and after this episode when I called up the customer to check the details the customer knew that I had lost the cheque and no money went out of his account against the motorcycle he purchased. He talked to me for a couple of days and then stopped picking up my phone and bluntly said that he can do nothing about it.

Sir, because of negligence of you bank I have been duped a sum of rs 79900 and after doing this the bank instead of cooperating asked me to go to the chamba banker and resolve the issue. I know I have lost the cheque number without which neither I nor you can do something but this sort of negligence on part of your bank is not expected.

But this was not one issue. I now feel guilty of not checking the banks transaction over the years and I feel your bank has duped many customers who do not chech their accounts regularly.

2. This is not the only issue. On 28 the march 2010 I deposited a cheque of Punjab national bank for rs 50000 in my account [protected]. the said cheque was also misplaced by your banker but as that cheque was from a local source I managed to trace it and got it reissued but I could get the payment for the same on 10/8/2010 almost 4 months later, owing the delay to the negligence of your bank staff. This time too the banker refused to sigh the declaration that he cheque has not been paid.they asked me to leave a copy of it and said they would do it when they are free refusing to give any time limit.
I met 4 of your officers to get this work done and finally it was done within no time.

3. on 10/8/2010 I deposited a demand draft worth rs 101800 bearing no 763483. still I have not received the payment.

4. on 13/8/2010 I issued and deposited a cheque for rs 21700 on state bank of dharamsala to be paid to my supplier in state bank of india , palampur account vied ch no 905399.
The cheque is still not cleared and the bank has no where about the cheque and most of the time one visits the branch there is no concerned officer to listen.

5.in the last 7 years I have never received a hardcopy of my bank statement and everytime one asks there is a blunt reply.

Why is the biggest name in banking so relaxed about the money of the people and this sort of relaxicity is not expected from the state bank of India.

6. For over one month now I have given a request for cheque book issue, but am still waiting for the same.

7. Not only this the attitude of the bankers towards the customers is also a matter of concern;
Everytime the bank seems to be selling other products like plots and some personal schemes of which they are members rather than providing banking services.

I am surprised why in all these years some senior official visited the banks to check out how they work.

In the old branch the telephone num,bers of the help centers were displayed, now the new brach is even not displaying the numbers.

The gaurds use foul and offensive language in case someone talks on phone within the building but the bank staff can usually be found talking on their cell phone without any check. Why these double standards.

I am surprised to see such a working and an unfriendly customer attitude of one of the biggest name in banking THE STATE BANK OF INDIA.

I can only request you to train your staff to be a bit professional and not to play with people’s hard earned money. A few of your staff members have been working in this Brach for years together but are totally unaware of the work ethics. I don’t know if I should take up this issue with the consumer redressal forums and the banking lokpal and also the notice of the media in which your bank regularly gives ads about its customer friendly attitude.


Regards

Deepankar kapoor
State bank of India customer, dharamsala branch