Sir,
I hold a savings bank account in State Bank of India, Veerakeralam branch of Coimbatore.
I had applied for House-Mortage loan in October 2010. For the same property i had availed housing loan which i have repaid and closed but i have not taken back the document from the bank still.
Till date , the loan is in the "process" though , once in a fortnight i am assured the loan should be through in a week. I had been after the officials continously and tired of the hassle and empty promises.
I need an explanation towards the following:
1) The staff at SBI are not aware of the procedures ,criteria etc.,required for mortage loan.Why does SBI provides for a loan when its own officers are not trained in processing it?
2) Both my husband and myself are salaried people with reasonable income and the property is worthy of mortage (for which a home loan was given and completed) with no encumberances whatsoever arising on a date after we bought it. So why is the process delayed?
3) I have submitted the application in October 2010. Till now I am not able to get the loan. There is always a steady answer that it is under process! How long? Why do i have to follow up the loan?Is it not automatic that once application is submitted, the papers are set on a roll ?
4) Just because SBI is safe bank for me (who had been its loyal customer for more than 25 years and been rather a customer par excellene which can also be verified!), do I have to face their indecisiveness, poor judgement of customer/property worth and procrastination? Or is it acting suicidal driving away its bankable customers to private banks?
Sincerely,
N.Geetha
Sr.Scientist( Entomology)
Sugarcane Breeding Institute, Coimbatore-641007
Tamilnadu.Contact No. :[protected]
Aug 13, 2020
Complaint marked as Resolved ![State Bank of India [SBI] Logo](/thumb.php?bname=1&src=state-bank-of-india.jpg&wmax=280&hmax=280&quality=90&nocrop=1 "State Bank of India [SBI] Logo")
State Bank of India — Internet scam
My friend have also experienced the same.This happened in Mangalore. On 28th of Jan 2010 he got a call from a lady saying that she is from SBI customer care and she is calling with regard to their security enhancement.She said him that he will soon recieve a code from the SBI to his cell phone and she said she will call him back to take that code. He recieved a message in which it says "You have added SBI SECURITY as the Third party for the fund transfer. Security Code is XXXXXXX". Then the lady called and asked for the code. He disclosed the code with the lady. The lady said you will recieve another code in a message to your cell phone once the security feature is activated. Soon he recieved another message said something like this "Security code for third party money transfer for SBI SECURITY is XXXXXXX". The lady calls again and asks for the second code. He gave the code to the lady. The next message he recieved on his cell phone was something like this " An amount of Rs. 40,000 is debited from your account". When he called that number back it was switched off. He contacted the bank immediately to stop the transfer. But the bank officials said it was credited to an account in Kolkata. That account(Kolkata account) was opened just on 24th of Jan and they have also withdrawn the cash(40k) 20K in each transaction in an ATM. Also the bank officials said there is no photo associated with the Account. It is under the investigation now.QUESTION IS:
1. WITHOUT GIVING HIS USERNAME AND PASSWORD HOW COULD THEY ACCESS HIS ACCOUNT ONLINE?
2.IS IT POSSIBLE TO OPEN AN ACCOUNT IN SBI WITHOUT PROVIDING PROPER ADDRESS PROOF AND PHOTO?
3.IF IT WAS THE WORK DONE BY HACKERS WHY WOULD THEY WANT JUST RS. 40,000. THEY COULD DO CRORES BY HACKING?
4.IS IT POSSIBLE TO HACK SBI SERVER?
5.IS THIS THE WORK OF ANY SBI OFFICIALS?