State Bank of India [SBI] Complaints & Reviews

I have a PPF account with SBI (R.P. Road, Secunderabad-3. A.P.) branch. But, I have lost my handbag containing all the papers, bank documents, passbook, etc... PPF Account is in my name- PRAKASH DUGAR. Now, I am in Jaipur (Rajasthan), due to job transfer. So, I can't visit the branch in person. How do I transfer my account from there to Jaipur, and how do I stop any misuse/withdrawal incase its possible.

From : O. Neelkanth Sarma,
Res:
47/7; Nehru Nagar (West)
Bhilai-490020

Office: Channel Management Advisor,
State Bank of India,
Regional Business Office,
Sector - 1,
BHILAI-490001 (CHHATTISGARH)

Phone No.[protected] Mobile No.[protected]





Dear Sir,
I am a sbi credit card holder. My credit card no. is [protected] and the same is issued in my name i.e. Oruganti Neelkanth Sarma. Last year through telephonic canvasing they pursued my to subscribe for insurance premia of Royal Sunderam who are their insurance partners. the Same fell due for renewal in June,-july 2010. The renewal premia was charged to my crredit card without my consent and as I was out of station for two months, yesterday I came back to Bhilai. To my great surprise the Bill for payment with penal interest and surcharges was lying in my post box and the last date for payment was 9.8.2010 (Actually the bill was due for payment in July, 2010)

2. I tried my level best to talk to your customer care executives, and the system is so tedious, that you would be able to know if you try to talk to them once. To day i.e. 10.08.2010, I started trying to talk to them and at first instance with great difficulty I could reach them after 16 minutes and the the line went off before the talk could conclude. Next time I dialed again, and second time it took 18.45 minutes to get in touch with them, and as the person looking after royal sundaram insurance was not available (5.11 p.m.), I was asked to contact them tomorrow.

3. As the amount in question has been charged to my credit card without my consent, under the pretext that the same condition is included in the policy taken last year, I strongly protest such acts of SBICard organisation. It is a minimum requirement that they should contact me before charging any expense to my credit card.

4. The bill was not received by me in July, 2010. The bill sent to me in August, 2010 was inclusive of penal charges for late payment and govt. taxes there on. Which is not logical. As I am not aware that my Credit card has been charged for expenses (without my consent), and the bill was also not sent to me the same is not correct.

5. I requested them to cancel the insurance policy as I do not need the same may result into similar disputes as above. The attending staff suggested me that at the best we can waive penal charges of Rs.350 included in the bill and govt. taxes (Rs.36.05) and I may continue the policy for the current session and next year onwards the policy will not be renewed unless consented by me. ... But the talk could not conclude as the phone line went off. and second time the executive was not available.

I therefore request you to look into the matter and please send me the revised bill. You may send me the bill to my email address : "[protected]@yahoo.co.in ". I also wish to surrender my credit card henceforth, so please let me know the procedure for the same. (As I do not want to be caused any inconvenience for money matters. You may peruse the record of my Credit Card - you will find that since 2003 there are no delays in payment of credit card bills. ) I wish to add that I represent State Bank Of India and request you to please keeping in view the image of the prestigeous bank of the nation, the SBI Card organisation should conduct business. It followed the instruction of Royal Sunderam against its own customer is unimaginable.

Thanking you and looking for your early response.

I had given an application for RTGS on 4th August 2010, the RTGS was Transmitted . but to our surprises the RTGS was returned unpaid and the amount was credited to our account. On enquiry the bank said that due to some technical reason the RTGS failed. We had written a leteer for reason of failure for submission to company in whose account it was to be credited. But the Bank refused to accept the letter and even did not bother to speak on the matter and discussion with the Chief Manager did not get any response saying he was helpless. So I want to know how to slove the problem.

I have applied for education loan from SBI-Civil Lines. Inspite of fulfilling their each and every condition regarding documents they has set objection. My daughter is a MBA student of a well known institute of a city affiliated through UPTU and myself seniour accountant in A.G.,UP,Allahabad.She has passed out her two semesters with a good marks. Here is objection statement:
THE PLACEMENT RECORD OF THE INSTITUTE AS WELL AS ACADEMIC RECORD OF THE STUDENT IS NOT ENCOURGING.
Please solve my problem.

To

The Chief Manager
State Bank of India,
centralized pension Processing centre.(4473)
83/1 A vivekanda Road
Kolkata :- 700 006


From :-

Sukha Ranjan Das.
MilanGarh Coloney,.P.o :- Ghola Bazar, Distt :- North 24 Parganas . Kolkata :-11
PPO . No.[protected]
(S.B.I, H.B. town Sodepur Branch) -Code -07654 IFSC code –SBIIN0007654
A/c No.[protected]
Contact No . (+91)[protected]

Sub:- Non Payment Of pension last 4 month without any valid reason shown .

Sir ,

I would like to inform you that I am not getting my pension while I am Still alive as I inform to the local Branch from where I withdrawal the pension. As the Ref no. of the letter vide B.M /PEN/ 67 I get the information that my pension is being Stopped due to negligence of centralized pension Processing centre.(4473) I am not getting my pension as in the letter what Written I completely described it .Below

Copy Give me by H.B Town Sodepur Br. Which is already I forwared to centralized pension Processing centre Kolkata (4473):--

(i) No –Payment of monthly pension W.r.t. A/c No. [protected] from March 2010 Fvg Sri Sukha Ranjan Das P.P.O no. [protected]
(ii) Stop Payment of monthly pension W.r.t. A/c No. [protected] from January 2010 Fvg Sri Sukha Ranjan Das P.P.O no. C/CORR/ENG/PRE85/7680/99

With ref. to the above we want to inform you that vide letter no. BM/PEN/ 63 dt.12.02.2010 we reported the death of pensioner Sri . Sukha Ranjan Das
Having PPO. No. P.P.O no. C/CORR/ENG/PRE85/7680/99 and A/c no. [protected] and requsted you (C.P.P.C.kolkata) to stop the monthly pension from the date of death. But we observed that the monthly pension up to May “2010 credited to the A/C of the deceased pensioner .
On the other hand vide letter no. BM/PEN?dt/.12.05.2010 we (S.B.I Sodepur branch.)inform you that payment of monthly pension was stopped from the month Of March ‘2010 fvg Sri. Sukha Ranjan Das (same name) P.P.O no. [protected] and A/c no. [protected] .
We (H.B town Branch) would you into the on matter on urgent basis and immediately stop the payment pension to the deceased pensioner and disburse the monthly pension fvg.Sri. Sukha Ranjan Das.are forwarded to the FAX hereby with enclosed, please treat the matter on an urgent basis.


The whole letter Show the work done by the CPPC kolkata. and delegation toward their work and make the Senior citizen feel troubles as it show the negligence to keep the record with blind due to their negligence I am suffer a lot . I just move from H.B. town Sodepur branch to the centralized pension Processing centre Kolkata. which is far from my residence . Every time I go and approach both the No positive response still I am not getting . So please reply the Mail as early as possible .or I have to think something better ……..

To the Head of.. centralized pension Processing centre Kolkata kindly look it very Serious, How many days/months/years I have to wait for the pension to arrive?

Dear Sir,
I hold a Salary account in SBI .
My account no is [protected].
I lost My card in the recent past .
I dont have check book to with draw money in the local branches.

Kindly assist me with futhur proceedings.My salary account is opened in Banglore -Karnataka Branch.
I work in Chennai .So to get a new atm card or to with drawa money i need to travel to karnataka.

Can you please assist me if any other options to draw the money in chennai itself also to get the new atm card.

MY contact details are as follows.
Name : Riboyudeen.J
Address: Old No 1/a,New No 15/a
Main road ,Secratariat colony,
Adambakkam,Chennai ,600088
Mobile :[protected]
Email: [protected]@yahoo.co.in.


Thanking you,
Riboyudeen.j

hello ,

I have forgotten my SBI online banking password. Please help me in resetting it. My account number is [protected]

Thanks,
Savitha

sir/mam

i am a student of 4th year B.TECH
i had registered for education loan and the registration no. is:-SBI-EL-[protected].AND the loan ammount is RS.60000 but the bbank manager said to me that you have no guarantee for my loan and i will not give you loan but according to my knowledge there is no need of guarantee required for loan upto 400000 .AND HE IS ALSO TALKING TO ME WITH VERY UNMANNERED AND ROUGH LANGUAGE.
so please solve my problem and please take a frequent action for my complaint.
YORS FAITH FULLY
ANKUR SRIVASTAVA
D/35 SUGAR MILL COLONY BULANDSHAHR
OH.[protected]

Dear sir,
Iam credit card holder o[censored]r bank bearing card No.[protected] from last one year.In the month of june 2010 i was recieved PHONE message STATING THAT YOUR CREDIT CARD HAS BEEN BLOCKED TO AVOID MISUSE. from the begining i have not defaulted any payment till today and also in the month of june entire outstanding is been cleared in one installment.Therefore i request you kindly restore the credit card immediately and oblige. Further in this regard i have requested above the same through e-mail but so far no action was taken in this regard.
yours faithfully,
D.L.Chandra shekar
Deputy commissioner
Banglore Mahanagara Palike
E-mail address: dl.[protected]@gmail.com contact No.[protected]

Sir/madam
I am a bonafied s/b a/c holder of of SBI bearing a/c No. [protected] in Elliot Road branch,Kol
on 18.07.2010 at 7.05 P.M. used my ATM for getting balance inquiry its shows correctly as per my passbook but on 7.19 P.M. I used same balance enquiry where it shows Rs. 7,000/- has been withdrawl after going through the procedure such lodge a GD at the local p.s. and contacting branch manager but no heed pay in this matter.
Please find my ATM Card no.[protected]
Hope your kind consideration in this regard shall be highly solicitated
Dated; 05.08.2010

i am having credit card no.[protected]. I am not received the statement by post I am receiving sms on my mobile. Today I received the sms that if you have not received the statement kindly sms the code. Since two month I am not receiving the statement and I am sms to 56767 the pin but the reback reply that sent the correct PIN. Kindly dispatch the bill immediately and the card is not activated since the receipt of my card.

My name is Reghunathan.T.S
Made an enquiry for SBI rail card.
Self received a call from [protected] today morning from your Executive and stated that You will charge Rs.500/- for the first year and from second year onwards I will have to pay Rs.300/- only for which I also agreed.

Today (04.08.2010) afternoon your executive from Chennai came to my office and collected all the required documents.

But to my surprise I got a call from[protected] today evening and your Executive informed me that i have to pay Rs.49/- per month in addition to the annual charges, whih is a new information to me.

Why each Executive is giving different informatio making the customer misguiding.

Hope you will action on Staff giving faluse information.

Even no acknowledgement of application is given to me; Hence I am not able to give the application referance number to you

Awaiting to hear to proceed further.

Regards,

Reghunathan.T.S
mob.[protected]
mail ID - [protected]@gmail.com
D.O.B - 04. 11.1953

FROM CHHOKAR R. S.
CARD NO[protected]
ACCOUNT NO[protected]

To

SBI CREDIT CARD DEPARTMENT

SUB: REGARDING WRONG BILLING OF RS 15,000/-
NEEDS KIND ATTENTION TO WAIVE OFF

I SHALL BRING YOUR KIND NOTICE THAT AS PER STATEMENT DT 25/01/07 TOTAL AMT DUE RS 1501.80 DUE ON 14/02/07 AND PAYMENT RECEIVED VIDE CH NO 161168 RS 1504 ON 14/02/07. AS PER STATEMENT DT 25/02/07 TOTAL AMT DUE RS 1565.80 DUE ON 17/03/07 IN WHICH NPROTECTION PLUS INSURANCE CHARGES RS. (26.94 +22.45+18.23) RS 67.62 IMPOSED ON ME WITHOUT MY CONCENT AND MY OFFER OR ACCEPTANCE FORM.WHEN I CONTACTED TO CUTOMER CARE , WAS ADVISED ME TO PAY TOTAL AMT DUE MINUS INSURANCE CHARGES THUS I PAY TAD RS 1505 DUE ON 17/03/2007WHICH RECEIVED ON 16/03/07 IN THE STAMENT OF MARCH 2007.
THUS MY ACCOUNT WAS RUNNING IN VERY GOOD CONDITION UPTO FEB 07 AND NO AMOUNT WAS DUE UPTO 25/02/07. WHEN THIS PROTECTION PLUS INSURANCE WAS DEBITED AGAIN AND AGAIN FROM 25/02/07 TO 25/06/2007 FOR FIVE MONTH BUT REQUESTING MANY TIMES IN MONTH OF FEB07 TO JUNE 07FOR REVERSAL THEY REVERSED FOR ME MONTH OF FEB 07 AND MARCH 07 ON 10/07/2007. BUT CHARGES FOR APRIL07 TO JUNE 07 THREE MONTHS NOT REVERSED INCLUDING LATE PAYMENT AND OTHER CHARGES. AS I HAVE BEEN GOT .ISSUEDLIFE TIME FREE CREDIT CARD THUS IF ANY CHARGE HAS BEEN DEBITED BY SBI CARD THEN THESE WERE REVERSED IN NEXT MONTH . THUS I HAD BEEN CHARGED FIVE MONTHS INSURANCE PREMIUM BUT REVERSED ONLY TWO MONTH FEB AND MARCH 07. THEREFORE TROUBLE STARTS AFTER FEB 07 AND PROTECTION PLUS INSURANCE RS 68 PER MONTH FOR APRIL 07 TO JUNE 07 NOT REVERSED. THUS NOW STARTS LATE PAYMENT /GST/FINANCE CHARGES ETCETRA FROM APRIL07 . THESE HAS BEEN BECOME MORE THAN RS 15000 AND MANY CALLS ARE COMING TO PAY THE SAME. THERE FORE I REQUEST YOU THAT WHEN FAULT PERTAIN FROM YOUR SIDE BY IMPOSING PROTUCTION PLUS POLOCY JABARDASTI SO WHY SHOULD I PAY THAT AMOUNT.SO I REQUEST YOU TO REVERSE ALL CHARGES AND CLOSE MY ACCOUNT AS ALREADY REQUESTED YOU IN NOV 07 OTHERWISE I HAVE BEEN COMPELLED TO GO IN GREVEINCES REDRESSAL FOURUM INCLUDING HARRASEMENT AND COMPENSATATION CHARGES FOR FORCING TO MAKE PAYMENTS.

__________

Sir,

My Saving Account no:-[protected]

Bank Name: State Bank OF India

Branch: Anandbagh

Center: Hyderabad

IFSC Code: SBIN0010097

MICR Code:[protected]

Address: Anandbagh(malkajgiri) Br,h.no.24-90 Malkajgiri

District: Hyderabad

State: Andhra Pradesh



My account is with SBI Anand Bagh Brach Malkajgiri.I have with made the transaction of Rs;-8000/- from Bank Of India Malkajgiri Branch atm suddenly their was power shut down & atm system got restarted.After tem minutes i'hv not got the cash but Debited from my account.I have registered the complaint with my branch but till now i nothing has been done.No complaint no .

so please do me the favour.

Thanking You,
Kanchan Kumar.

Subject: Arbitrary EMI Recovery on SBI Home Loan
Reference Loan Account No[protected]
in favour of Lt Col (Retd) Arun Kumar Chandel, SM

Dear Sir,

1. It is to bring to your kind information that I have obtained a SBI Housing loan of Rs 35,00,000/ (Thirty five lakhs only) vide Arrangement letter- SBI Home Loan dated 26.03.2009 (Loan account No[protected]. My home Branch is SBI Jawahar Vyapar Bhawan, New Delhi.

2. At the time of loan sanction, the EMI for the first year was fixed at 8% i.e. 36001/ and it was expected to be revised from May 2010 in accordance to the prevailing State Bank Advance Rate under the clause as specified in para 4(b) of the arrangement letter. However, the revised EMI by SBI has been enhanced arbitrarily to Rs 41,154/ w.e.f May 2010 and the recovery of the same has commenced w.e.f 20th May 2010. (Statement of linked SBI SB account No[protected] attached as annexure 1)

3. The matter was brought to the notice of Shri Sagar Sharma, Branch Head of my Home Branch at Jawahar Vyapar Bhawan New Delhi. While the matter was under discussion, SBI RACPC deducted second EMI in the same month on 27th May 2010 (refer attached loan account statement as annexure 2). Aggrieved with the financial situation, I visited RACPC on 7th Jun 10 and inquired about the incorrect EMI calculation and also double deduction of EMI in the same the month. Inspite of having spent half a day in the bank, I was not provided with any reasonable response to my complaint and was told by the dealing officer “not to expect anything favourable from Bank as they have no time to attend to complaints”.

4. Having failed to get any response from RACPC, I had approached Mr Sagar Sharma and he advised me to e-mail the issue of incorrect EMI for taking the up matter with RACPC. Accordingly, a complaint was sent to the Branch Manager on 09 Jun 2010 followed by another on 30 Jun 2010. Copies of my complaints are attached as annexure 3.

5. I have pursued my case with Shri Sagar Sharma continuously for a period of 08 weeks; however, neither have I got any relief in the matter nor was any justification given for exceptionally high interest rate on my home loan.


Finally in response to my SMS dated 30 Jul 2010 on his mobile No [protected], I received a reply from Shri Sagar Sharma, Branch Manager SBI which is reproduced for your information please.
“Sir,
As discussed before i had forwarded the case to RACPC, New Delhi, headed by AGM. Whatever follow up that had to be done
from my end i hve done,rest is not under my control. I am sorry
for the inconvenience caused but discussing the same thing again & again with me can bear no fruit.
Regards
Sagar

6. It is obvious that the new EMI (Rs 41,154/) is calculated contrary to the latest guidelines issued by the Reserve Bank India vide its circular number RBI/2009-1-/390 dated 09.04.2010 under reference DBOD No. Dir. BC 88/13.03.00/2009-10 addressed to all Schedule Banks on the guideline on abolishing BPLR system and implementing Base Rates for the calculation of Interest on loans. Under the para xi of the ibid RBI Circular on Transitional issues, I am eligible for the revised EMI calculated against the base rates.

7. I am a retired Army Officer and have done recognizable service to the Nation. I am a Gallantry Award Winner and have risked my life several times for the safety & security of the people of this country. I am deeply hurt to witness this thankless attitude of SBI RACPC New Delhi and strongly condemn their conduct. It is astounding to see that in a country which is having growth rate of 8.5%, there are such incompetent and insensitive bank officials paid out of public money.

8. I consider this arbitrary increase of rate of interest on loan as an unfair practice adopted by the State Bank India in the shadow of non transparency. It is therefore, I have lost faith in the systems which have been adopted by the State Bank of India for Indian customers and would strongly consider moving out my balance liability of home loan for takeover by any other better Nationalised Bank.

9. In view of the aforesaid, it is requested that the case may please be inquired to bring out the details o[censored]nfair play in fixing new EMI on my home loan. It is also requested that the case may kindly be redressed within 10 day of the receipt of this letter positively by 14th of Aug 2010 failing which I would be constrained to seek legal intervention from The Reserve Bank of India.

Thanking you in anticipation.

Yours truly

A K Chandel

Well I was robbed on a train to Delhi and have a bank account with SBI in Bangalore. I was told that unless I have my account number or card number the contact centre would not be able to assist. Well I am in Delhi with my bank account in a Bangalore Branch. I have no money, no phone, no bag (which means no card or account details). Am I expected to sprout wings fly to Bangalore and get my card and account details so that I may then PHONE SBI and inform them to block my account transactions!!! Whats the point in having a contact centre at all if they are not able to assist in times of dire need??

HI ,This is one among the consumers in INDIA .Hope person log in to this page to express his dis satisfaction over some services.I`m the person of the same type and i would like to share the BITTER experience i had and EVEN NOW THE STATE BANK OF INDIA is practising it with the YOUNG BRAINS OF INDIA ,ESpecially with the Engineering graduates .

The issue is if the viewer is of from the field what i`m talking about might me crazy in applying /looking forward to get such a advertisement like this below

---RECRUITMENT OF SPECIALIST MANAGEMENT EXECUTIVES SPECIALIST TECHNICAL EXECUTIVES IN STATE BANK OF INDIA IN MIDDLE MANAGEMENT GRADE SCALE - III
----
SPECIALIST MANAGEMENT EXECUTIVES : 500 VACANCIES

SPECIALIST TECHNICAL EXECUTIVES : 60 VACANCIES

WRITTEN EXAMINATION : 31.10.2010 (SUNDAY)

----
just like the ONE ABOVE ,in a year this SBI -STATE BANK OF INDIA POSTED MANY ADVERTISEMENTS BY LURING THE YOUNG ENGINEERS LIKE ME to loose the MONEY .What these banks are doing is ,ONCE AFTER THE FINAL DECISION OF THE CANDIDATES FOR THE PARTICULAR POST ,they GIVING THE ADVERTISEMENTS IN NEWPAPERS ,DAILIES,WEBSITES.Their plan if ,especially the SBI -CHIEF plan is AS a bank give loans to Business People with out security ,anyway they are not going to pay back ,AND FIND A WAY TO SORT THESE OUT by giving advertise like this ABOVE.So they asking 500rs for every candidates other than SC/ST,however persons like me fall on bc category ,have to pay 500RS for the registeration and they send out the hall ticket ,exams will happen.Thats it ,,end of story ..you people wont get any reply back from them ..like wot happened to your exams,or your exam results.
IS THERE ANY TRANSPARENCY IN THOSE EXAMS ,SAY like the one in all india competitive exams.Why cant they post the every single candidates marks ,what they scored in from the written exams..(u know wot they never do this,if they do so ,they have to answer many many a persons LIKE ME..)..They know that how to srew MIDDLE CLASS PEOPLE,especially technically qualified professinals like me..
So WHAT I SUGGEST IS THERE HAVE TO A WATCHDOG-LIKE THE ONe what it is already there in europe and america.So better we can even report to them ,LIKE THESE THINGS..
However ,till now ,THE DATED REPORTS OF SBI -STATE BANK OF INDIA ,SAYS THAT THE BUSINESS PEOPLE ,WHO GOT THE LOANS FROM BANK have to pay them back over 400/500 crores alone.Anyway those SHADY BAS***** not going to pay the bank back,thats why the BANK CHIEF ,knows how to sort these out ,thats why with in a year THE ADVERTISEMENT LIKE THIS ,GOT collected atleast 50 to 60 crores indian rupees with out hastle by the name of JOB OFFER .So now you can guess !!!! whats the difference between the other private companies who were cheating the professionals by collecting the advance payments like THESE!!!!!!!!!

So better PROFESSIONALS STAY OFF FROM THESE ADVERTISEMENT SAYING PAY JUST ..JUST ..(500 RS ) for exam fees /..why cant they do it free for every one ...........if they really desperate for professionals ..why cant they do it FREE EXAMS for the JOBS and better release the marks scored by every single candidates ...FULL TRANSPARENCY ..at any cost they wont do it..
BETTER STAY OFF FROM THESE THINGS ESPECIALLY THE NATIONALISED BANK -STATE BANK OF INDIA ..AND OTHER NATIONALISED BANKS...
IF THE ADVERTISEMENT COMES FROM ANY OTHER PRIVATE BANKS ,WE CAN GENUINELY APPLY ,U KNOW WHY THEY DONT ASK FOR ANY EXAM FEES AND ALSO THEY IN FULL TRANSPARENCY....

Sir,

With due regards, it is to inform you that I, Subhash Chandra Joshi , am an ex-serviceman retired wef 01/01//2004. Last rank held- Havildar/clerk. Group-Y, total service- 23 years. Bankers _SBI-JAKH-8962 (Distt-Pithoragarh) Uttarkhand. a//cNo- [protected]

PPO
service Penson (PPO No- S/062809/2003(ARMY)
Medical Board Pension) - DE/012022/2004

This is regarding revision of my pension (service & Board Pension) & arrears of revised pension wef 01/7/2009 as per Govt of India, Min of Def Deptt of Ex-servicemen Welfare vide their letetr No PC(1)/2009-D(Pen/Pol) dated 08/3/2010.(Table 22 of Annexure I)

Please credit the dues at your earliest.

thanks.

with regards,

yours

sc joshi
e mail- [protected]@gmail.com

This is regrading the mental harrasssment and threatning calls from SBI credit card recovery people.I am paying my regular minimum due towards SBI credit card, but even at slight delay in payment, the recovery agents are harassing by continously calling me.This is really getting irksome, irritating and disturbing to my family.
Please look into this issue and provide the necessary procedure to avoid this problem.

Mob :- (0) [protected]

Dear Sir/ Madam,

Refer to below pasted letter cheque of Rs 770.00 were released from my end and that was confirmed by SBI officer we will release NO DUE LETTER .

Also to update Compliant to that effect also has been send to SBI Vice President office Mr Ajay Bharti , seems he is also not go thru the submitted complaint . After that several correspondence letter were send from my end but till date nobody bother to take initiative to check the facts and close this long pending issue.

Also to share " Till Today " my self is getting telephonic calls from SBI TEAM for settlement and as per them amount has been come up approx.
Rs 11000.00 due to late payment charges levied by the SBI without checking the facts.

Request you please look into and arrange to close this also arrange to release NO DUE LETTER and also advice your team not to call in this regard.

Looking forward closer of the same and your confirmation revert in this regard.

Regards,

Hardeep Singh
(CARD NO [protected])




18.08.08


The Manager,
SBI Credit Cards
New Delhi

Subject : Excess amount Billed for CASH OFFER PAYORDER
( CARD NO [protected])
Dear Madam / Sir,

This is reference to statement Received dated 08.01.08 in which total
amount DUE were showing for Rs 4734..26 And May month Statement received dated 08.05.08 Amount DUE showing Rs 3535.90.

For Your Information in JAN.08 month Cash loan on Phone for Rs 30,000.00
offered for which EMI amount confirmed by Telecaller executive Rs 2900 approx. for 12 Months over phone , on that EMI amount only Cash loan offer were accepted by me over phone.

When pay order for Rs 30000.00 were received that was containing Covering
letter in which amount of EMI were mentioned for Rs 4370.00
for 12 Months Interest Rate Rs 14 %.

As amount of EMI confirmed for Rs 2900.00 and on letter received EMI amount
mentioned for Rs 4370.00 . In difference of amount in EMI pay order for Rs 30000.00 NOT taken by me and returned to SBI BANK duly CANCELLED marked on the same as per discussion had with SBI officer.

The update for Cancellation of issued Pay order that was informed to your
Customer care & Fraud Department team as well over phone In the Month of
JAN.08 only on receipt of pay order.

Also due to NON payment for Rs 30000.00 EMI , Late Fees also Debited in
the Feb.08 onwards statement where as pay order no taken by me and Credit
of Cancelled Pay order of Rs 30000.00 given in the statement dated 08.05.08
only after regular follow up at my end.

As regular follow in this regard after telephonic discussion with SBI Officer amount of Rs 770.00 were confirmed by them for total due amount as DD amount and other charges related to this were taken care by SBI team and also updated that NO DUE LETTER would be released upon receive of cheque of Rs 770.00 .

Hence accordingly payment were released vide Chq No 308951 dated 20.05.08 for Rs 770.00 as per confirmation given/received during telephonic discussion with Customer care officer as a Full & Final payment for card amount DUE.

As mentioned above cheque has been released and said cheque also has been cleared from my Bank, but NO DUE LETTER which were confirmed same is still not received my end. Also getting statement along with late payment

Please look into and arrange to credit amount which has been Debited Due to
amount charged for CASH LOAN OFFER and THE INTEREST and LATE PAYMENT CHARGES in Next statement.

Looking for your revert in this regard.

Regards,

Hardeep Singh
(CARD NO [protected])