State Bank of India [SBI] Complaints & Reviews

My wallet wast stolen on 30 dec 2011 and was misused by some unknown person .Although the cards are safe now as the merchant had doubt on the person and collected all the cards from him but he swiped my card no clue why.

The name of merchant who is the witness of all the incidence is mr. Shailender and his contact number is [protected].


I also logged fir against that person at indrapuram police station other than this I already informed sbi call center as soon as I got information about the above mentioned fraud.

They took around 3 months and without investigating anything they imposed all the payments liability to me.


On the other side to the merchant (allen solly) was claiming that sbi reverted back all the amount from his account but sbi fraud department is not aware of that which means fraud department haven't contacted the merchant and haven't inquired anything.


SBI asked me to provided the declaration of the merchant in which he mentioned that he collected all the cards from thief , I provided the same to the SBi but again they started harassing me.Finally after almost 5 months I was able to get the money from Allen Solly Merchant (who collected the card from thief and wrongly swiped my card) I called SBI representative Mr. Puneet and handed over the amount in front of few witnesses which is now reflecting in my statement.

After chasing a lot to the merchant and SBI I finally able to get cheque of amount which was wrongly swiped by Allen Solly merchant with wrong intention and handed over to the SBI representative Mr. Punit in front of witnesses.I have copy of receiving in which Allen SOlly Merchant admited that he wrongly swiped the card.

Now there are few more things :


Bank is saying the other merchants handed over all the good to that thief hence the liability of payment is mine:

My concern is

1)When Allen Solly Merchant caught the thief and collected my all the cards from him and also collected all the goods which thief purchased from the Allen Solly also according to the store Manger of Allen Solly he slapped the thief and they clicked several photograph of him then how did they allow him to run with the goods which thief purchased from other shops ?


2)When Allen Solly caught the thief Why he swiped my card he could have cancel the generated bill?


3)My card was unsigned although It was Risk for me the chances for risk was that the thief could have sign my card and same signature he could do on the charge slip then the liability would be mine or Merchant could ask the thief to sign the card in front of him and same signature he asked him to do on the charge slip and match the name with my Id proof or the card and allow him to shop as much as he want to.But my fortune that any of these case did not happened and eventually I got my card back from Allen Solly Merchant.

Now As per Visa/Master guidelines If the cardholder refuses to sign the card, and the merchant accept it, Merchant may end up with financial liability for the transaction should the cardholder later dispute the charge.

Supporting Article :


I then offer to sign the card, but they never accept this possibility. .

Could not a thief have signed a previously unsigned card before using it? In fact I would expect precisely that behavior from a thief. Wouldn't a thief take more care to sign than would a lazy, careless card holder? Upon seeing the unsigned credit card, their estimate of my honesty should go up not down (well, that's not quite a stable equilibrium...).

I've often complained about the same thing, though in my experience merchants do accept you signing the cards in front of them—though the clerk tends to look annoyed. However, let's consider for a moment the possibility that this isn't totally pointless and ask what the reason might be. First, we have to assume that the signature is of any use at all, that is that merchants do check signatures against the card and that the attackers aren't good at forging signatures. I'm not sure that either of these is true, but let's assume that they are. If so, Visa has an incentive to force you to sign your card immediately to avoid situations in which your unsigned card falls into the hands of criminals, who then sign it. Since they can't send a CSR out with your card to make you sign, having your card denied if it's not signed is probably the best they can do.

This sort of matches up with Visa's card acceptance policy, which actually requires the customer to sign the card in the merchant's presence (thanks to Tangurena on MR for pointing to this):

While checking card security features, you should also make sure that the card is signed. An unsigned card is considered invalid and should not be accepted. If a customer gives you an unsigned card, the following steps must be taken:

Check the cardholder's ID. Ask the cardholder for some form of official government identification, such as a driver's license or passport. Where permissible by law, the ID serial number and expiration date should be written on the sales receipt before you complete the transaction.
Ask the customer to sign the card. The card should be signed within your full view, and the signature checked against the customer's signature on the ID. A refusal to sign means the card is still invalid and cannot be accepted. Ask the customer for another signed Visa card.
Compare the signature on the card to the signature on the ID.

If the cardholder refuses to sign the card, and you accept it, you may end up with financial liability for the transaction should the cardholder later dispute the charge.


Supporting Artilces:



https://financial.ucsc.edu/Pages/Present_Signature.aspx

http://www.cardbhai.com/2010/05/how-to-fight-credit-card-fraud-india.html?m=0az


Please find supporting file with attachment.

Please advice me what to do?



Note:my 3 cards got misused hdfc gold debit card,standard charted bank credit card and sbi gold credit card.


HDFC had resolved my case within 15 days of logging dispute.


Thanks and Regards,

Ashish Joshi

I have buy Education loan in 2004 year, i have migrated my uncle LIC policy in the time of loan process . I have completed my loan one year before. I have buy 2 laks loan but i have paid 4 lacks amount. I have completed my loan with out due. But still the SBI bank new washermenpet branch provide the LIC Policy. I Have complained many time to the manager through letter. But still manager not care my issues even he is always irritate me. Please take the action

Dear Sir,

After due discussion and as per advice of SBI Credit Card customer care executive on 3rd July’2012, I had deposited the due payment through Cheque No. 828651 Rs. 37884/- to SBI Card and on same day i.e. on 3rd July’12 the amount also deducted from my SB A/c [protected] and also conformed form your office by SMS regarding receiving of payment. But on 6th July’2012once again Rs. 37883.66 deducted from my SB A/c [protected]


Several times I had discussed with Mr. Nijam, Sr. Manager Customer Care, SBI Card and asked for higher authorities contact number or SBI Card head office contact number for discussion on the above matter, he bluntly denied for giving the same and also I have told to your Sr. Manager, customer care to give an writing on the above matter to my email he told that “sorry we can’t give any writing to you by email” and they cann't also refund money Rs. 37883.66

After serching internet, I have given several email but no higher authorities responding yet on this matter.

Regards,

Himansu Pattanaik
[protected] (M)

Extra money deducted from my SBI account(A/c no.[protected] on 11-Feb-2012.

I have purchased some items of cost Rs. 4,144.00 from Pantaloons on Saturday - 11-Feb-2012 by using my SBI Gold card. They swapped my card thrice and my money got deducted from the account thrice.I waited for 3-4 working days and though it will automatically credited to my account. Then, I called to customer care and they asked me to
write an email to : [protected]@sbi.co.in ;dgm.[protected]@sbi.co.in.

They checked all the information and replied to my mail with the below suggestion:


"There is a mandatory lock in period of 45 days. If no re presentment is received from the Acquiring Bank,the amount will be credited to the customer's A/c after 47 days of the date of charge back. We have escalated your complain and VISA has taken up the issue with the bank,
which is acquirer of the POS machine. If they don't get reply from acquiring bank with 45 days from 18.02.2012, they will credit the amount in your
account." I awaited till 45 days from 18.02.2012, still my money didn't
credited to my account.

Meanwhile, I registered a complaint with Ticket/no AT[protected]. They closed my ticket after few days with resolution: Recommended for closure by Branch. Then I went to my base branch but they suggested me to call to the customer care and re-open the ticket as they didn't get any complaint regarding this issue. Today also I called up to the customer care and they registered a new ticket AT[protected] for the same and asked me to contact to the local customer care number.

May I have a proper resolution to resolve my issue.
Please advise me for the same...

MY SBI CREDIT CARD No.is [protected] and my account no. is [protected].

sbi credit card is resorting to false artificial bills despite my not making any transactions on the card for more than 2 months now and despite my CLEAR CUT instructions to BLOCK my card and STOPPING ALL TRANSACTIONS on my card.

deductions are being made from my savings bank account through AUTO DEBIT and the company says they have no powers to stop auto debit.
a cycle of false bills and auto debit is being perpetrated despite my paying up the amount on time.

on 2nd jun a wrong amt of rs.191.27 was billed to me with last date for payment on 3rd jun 12.to get rid of the company, i paid the amt on same day i.e. 2nd jun itself (transaction no.IB[protected],yet sbicard has again deducted rs.191.27 through auto debit from my savings bank a/c.on 3rd jun 12.
thus the company is announcing a credit balance and then deducting the amt by auto debit.

this amounts to CHEATING AND FRAUD.
the company IMMEDIATELY STOP ALL DEDUCTIONS ON MY CARD and SHOULD BLOCK it permanently. .

Respected sir,

I forgot my online sbi banking username & password by mistake there why i can't use my onlinesbi banking services. If any way is there to recover my user name & password then plz help me, To use this facility again.

Details of my account:
Full Name Vipin Singh Bisht
A/c with SBI Dharampur, Dehradun
Branch Code 5475
A/c No. is [protected]

Thanks & regards,
Vipin Singh Bisht

Dear Sir ,

I am SBI credit card user for a long time.

I regularly pay my outstanding as per fund availability then too they make mistake again and again.

As per my credit card statement generated on 18 JUNE 2012 opening balance was INR 11557 , as my credit limit is INR 12000 My card was under limit then too SBI have charged me over limit fees of INR 500 on 24 MAY 2012.

Kindly instruct SBI to reverse that fees of INR 500 including service charge .

I shall be thankful to you for this.

Prashant Tiwari

SBI CREDIT CARD NUMBER - [protected]

forgot my online sbi banking username & password
Respected sir,

I forgot my online sbi banking username & password by mistake there why i can't use my onlinesbi banking services. If any way is there to recover my user name & password then plz help me, To use this facility again.

Details of my account:
Full Name :Raghupathi Pathri
A/c with SBI manubolu,nellore
A/c No. is [protected]
Branch code- 006112


Thanks & regards,
Raghupathi
Email- raghupathi.[protected]@gmail.com
+91 [protected]

My mother had submitted an application in the prescribed form along with the relevant documents on 16/06/2011 in State Bank of India, RMCC Branch, Ranchi for issuance/payment of monthly family pension to her as my father who was a retired state government servant [Dy. S. P. (Retd.)], had died due to illness on 27/04/2011. At the time of death, my father was getting Rs.22,732/- as pension but surprisingly a very migre amount i.e Rs.5,630/- has been fixed as family pension. The calculation made by the Bank prima facie appears to be incorrect. Moreover, similarly sitated other family pensioner is getting more than Rs.8000/-.

S. Khan

Sir/Madam,
With due respect & humble I beg to state that I'm Anikul Saikh, a Customer of SBI; A/C no.: [protected]; Mob no.: [protected]
I submitted registration form for sms alert to my Branch (Nalhati- SBIN0008540) but they dont register my mob no.
I'll be highly oblized if you kindly take any steps to process my request.

sr i couldnot recived my atm pin having card no. [protected] with the name RAVINDRA P PATIL PLZ GIVE ME PIN BY POST or on mail [protected]@gmail.com or on my mob. [protected]
I GONE TO MY HOME BRANCH BUT THAT MANAGER TALK MEVERY RASH & DIDN'T NOT GIVE ME THE PIN THE BRANCH IS" SBI " HOTGI STATION ,SOLAPUR MAHARASHTRA INDIA MY MOBILE NO. [protected]
PLZTAKE ACTION IMIN DIFFICULTY

Hi,

I'm holding Gold SBI Card in which the bank has levied Annual Fee of Rs512 on Jun-2011.
But while issuing the card i was told that it's a life time free card in which no annual fee will be there.
So i called up the customer care and asked the same.They said that if minimum transactions are not made annual fee will be charged.So i asked them to cancel the card and raise a ticket for the same.
I've...

Respected Sir/Madam,

I had a credit card with SBI with expiry date 02/05. I paid all my bills and asked them to close the card through phone.

Now I found in my CIBIL statement Written off mark just for consuming Rs 92.00 in the year 2004. Due to that my credit score went down drastically.

When I try to call the helpdesk of the bank they are not responding after 20 minutes of waiting. Even if they lift the phone after 30 minutes they wouldn't have required information. They says after 5 working days they will get back.

Kindly take it as a serious complaint and take action.

My Credit card Number is [protected].
My Name : Sundar Kishore Ravadi
My Contact Ph: [protected]
My Email ID : [protected]@gmail.com

Thank you very much,
Sundar Kishore

Ex No[protected]H
HAV D ALIB KHAN
H No 1, SN No 72/18
GULMOHAR PARK, BT KAWADE ROAD,
GHORPADI GAON , PUNE-411001
MH

TO
Manager SBI T-651 & T-751
ITC CBD BELAPUR
NAVI MUMBAI -14

Sub - DELAY IN ACTION FOR INITIAL ARMY PENSION PAYMENT

Sir,

* I retired from indian army on 31 mar 2012 from EME records, secbad (A.P)
* My pension account is in SBI ,. East Street , Pune (code no- 03861). My pension account no is [protected].
* I recieved a original PPO no is S/0153421/2012(ARMY) from my record office .The another original PPO forwarded to CPCC ,SBI , NAVI MUMBAI office from my record office on 07 apr 2012 .
* It is almost 2 month 20 days .The pension payment has not been credited to my account till .
* I request you to the remedy against my case be deal as early as possible and please inform to me.
Thanking you

Ex-Hav D ALIB KHAN
Contact nos - [protected], [protected].
Email Id - [protected]@yahoo.in

Sir,

My father bought agriculture loan from SBI bank in villuppuram. The loan two type of category. one is sugarcane loan and another crop loan(the sugar cane loan amount 34500 for the date of Apr-2011 to June-2012 and crop loam amount 40000 from July-2011 to 2012-june) total amount around 75000 thousand. the bank collect Interest to my father 10000. My father ask to the bank employee they said below 96000 thousand the bank will collect fixed amount of interest 10000. But the bank employees did not tell any information before we apply for loan. My father brother bought loan from the same bank sugarcane loan amount 30000 thousand the bank collect the same interest rate of 10000. The villupuram and cuddalore dist already affect THANE CYCLONE AFFECTED. The goverment told six month all agriculture loan interest rate no need to pay. then how the SBI bank interest rate for the agriculture loan they collect.

I have all document hot copys from the bank and i need to know the interest rate. They bank did not inform the fixed rate interest for below 96000. Kindly give sugession for this......

Already the farmer face many problems.

sir, i have receiceved education scholorship sbi ATM acc no[protected].....but the account is not working....its showing that the account is blocked....so give me the details to recover my account ....my contact no is [protected].....email id-naveen.[protected]@gmail.com.....so pls send me the details to recover my account....

Dear Sir,

I was holding a credit card from SBI which after some time was returned back by me after making it inactive and clearing all dues. For some business expansion I needed a loan for which I approached Canara Bank in Agra and for the purpose they checked by CIBIL report and found that there was a complaint from SBI credit card that they have written off approx. INR 30000.00 due to non payment. This was a surprise for me, as the project on which I was working was stopped!! Upon contacting SBI they confirmed that there are no dues and the CIBIL complaint has been made by mistake, they have also sent me a no dues certificate.

But this is not the end. I have a very good financial reputation which was shattered due to this act of SBI apart from that a very big project for which I was trying to seek funding from Canara Bank was also stopped.

Please advise what should be done in this regard with SBI? You may please get back to me for further details?

Hi

I am Ashween Chawda resident of Hyderabad. I have cleared all my liability with the SBI Credit Cards in the year 2007. But the card still reflects in CIBIL as “Settled”, I am facing a lot of inconvenience due to this from the past 4 Yrs.

I have tried complaining many times to SBI Card Care that the Card was Closed and Not Settled. But SBI cards failed to act on the same from past 2 Yrs though I was assured by the SBI Team each time that the same would be updated as null instead of settled in CIBIL.

I have been chasing SBI from past 2 Years where none of them are getting back. End of it it’s me who is getting penalized for the Sin committed by their Team members.

With all due respect, I urge the authorities to have this issue sorted at the earliest.

Thanks and regards
Ashween Chawda
Mobile# +[protected]
Email: ashween.[protected]@gmail.com

I have a Savings Account in SBI under IGIMS Branch Patna with the account Number [protected]. I am having Rs.3300 round about in my account. But SBi has wrongly held my account Under Lien for a failed trasanction at ICICI ATM Centre using their their SBI Debit Card for this account. As I am in Bangalore the branch is unresponsive. I sent the branch an e-mail no reply yet. Due to this unprofessional behaviour of the branch I am left in a high and dry situation in a costly city like Bangalore.I request the bank Authorities to take immediete action in this regard and resolve my issue and help me escape financial embarassment and crisis. Thanks in anticipation.

sir,
I had applied for a credit card in 1st week of June 2012 and i have already received a call from SBI Customer care that they have sent my credit card through Courier. I have also a statement through my Email id but I have not received my credit card till date now. Plz do needfull.


Tarun Sharma
+91-[protected],+91-[protected]
[protected]@gmail.com