State Bank of India [SBI] Complaints & Reviews

Dear Sir,

I am going to consumer court regarding unjustified amount levied one me. I have received the call from SBI credit card center and they assure me to reverse the charges for the some amount but as I have seen now nothing has been done regarding my complain and the bank has charged again the these charges as interest and fine within short period. Despite of repetitive request to bank still I am not received my SBI card statement.

It is really enough, now I am going to take legal help and now onward I will not pay any amount.

Best,

Naval Kukreti

Thanks and regard,





----- Original Message -----
From: [protected]@indiatimes.com
To: feedback gesbi <feedback.[protected]@ge.com>
Cc: feedback gesbi <feedback.[protected]@ge.com>
Sent: Sat, 3 Jan 2009 21:05:29 +0530 (IST)
Subject: Request to do needful...

Dear Sir,

Card No [protected]
phone no. [protected]
[protected]@indiatimes.com

With disappointment and regreat, I am now writing to you that statement has showing the following amount to pay.

Total Credit Limit 13, 000 Available Credit Limit -3, 099.57 Total Cash Limit 5, 200 Available Cash Limit -3, 099.57 Outstanding Details:
Statement Period 09/11/2008- 09/12/2008 Total Amount Due 15, 499.57
Minimum Amount Due 5, 154.24 Payment Due Date 29/12/2008
Last Payment Details: Date 02/10/2008
Amount of Payment Received 500.00 Current Outstanding Details:
As on Date 03/01/2009 Outstanding Balance 16, 099.57

This is the detais as per October statement. If you see you will find the total amount here for are unpurchased i.e fine and charges except intrest. If I take loan from somewhere it will not exceeds more than 24% but if I calculated the extra amount it near to 6000 thousand in 2to 3 month. Now, kindly let me know is this fare enough.

03/10/2008 FEE - LATE PAYMENT (EXCL GST 43.26) 350.00 D
09/10/2008 TOTAL GST DEBIT FOR CURRENT STMT 91.58 D
09/10/2008 FIN CHARGE ON RETAIL (EXCL GST 48.32) 390.94 D
02/11/2008 FEE - LATE PAYMENT (EXCL GST 43.26)
350.00 D 03/11/2008 OVERLIMT FEE (EXCL GST 61.80)
500.00 D 09/11/2008 TOTAL GST DEBIT FOR CURRENT STMT
160.00 D 09/11/2008 FIN CHARGE ON RETAIL (EXCL GST 54.94)
444.49 D 03/12/2008 FEE - LATE PAYMENT (EXCL GST 65.80)
532.37 D 09/12/2008 TOTAL GST DEBIT FOR CURRENT STMT 123.90 D
09/12/2008 FIN CHARGE ON RETAIL (EXCL GST 58.10) 470.10 D
Account Summary Opening Balance (Rs.) 14373.20 D + Purchase & Other debits( Rs.) 1126.37 - Payments, Reversals & Other credits(Rs.) 0.00 = Total Outstanding(Rs.) 15499.57 D now it near to 16000 Reward Points Summary Opening Balance 352 + Points Earned 0- Points Redeemed 0= Closing Balance 352

I really very much dissappointed with my SBI card. These are the following reasion why I really do not want the continue with the SBI card, I never received my statement in e-mail ids.If you are not able to received the statement how can you know what the amount you have to pay. There is no option to pay through the netbanking only today I have tried it failed.

Failure Transaction Status Reason NotFound

Transaction Reference Number MICI[protected]
Transaction date and Time[protected]:11:55
SBI Card No. XXXX XXXX XXXX 0957 Email [protected]@indiatimes.com
Payment Amount (Rs.) 6000.00 Pay From ICICI Bank NetBanking

I many times tried to login the site but it not connected showing something SQWL error. We can't able to pay directly to the bankexcept today, which I have seen. I made payment upto October as MAD befor the due dates but Bank Strike it not presented before the due dates.I call to customer care but it playing one tone only our customer executive are busy he will shortly contact you. Thanks for your passion. Once, I requested to enhance my credit availability it is the same from begining. My other cards availibility is near to 50K to 60K, but no action has been taken and now you are asking to pay excess limit fine. How disappointing this! please tell it is our fault to take SBI card. Whenever, the cheque is presented to bank, I always seen it reflect in statment after due date only. Now, I am requesting you kindly, please reverse all the unjustified amount which are charged in the my statement. Secondly, please please cancil this card. I really fedup from this. Thirdly, I will pay the justified amount in single payment, kindly let me know or otherwise I will not pay anything. I am ready to take another options. How one person will pay Rs. 6000 as intrest for 2 or 3 months despite that I have not received any call or reminder notice or statement from the bank.

I again request you kindly do something otherwise please let me know so I will think what I will do.

Regards,

Naval Kukreti
Phnoe No. [protected]
e-mail:[protected]@indiatimes.com

I am one of the customers of SBI credit cards and I am using this card since long back without any discrepancy. Along with my monthly statement, I have got one Scratch and win card from AVA MERCHANDISER which is linked with SBI Credit Cards. I have won a LOUIS QUARTZ WRIST WATCH vide code 1032 by scratching the coupon which is a worth of Rs.3, 999/-. I have intimated the same to the concerned team on 27th October 2008 with the product code and during my order vide no. SB6465, they have been sent a confirmation also. Against my order of wrist watch, Rs.699/- had been debited (which is known to me) from my credit card and they had issued a customer id: AVA/08/0008643 on the same day (27th Oct'08). Also they have sent a confirmation of delivering address of mine through sms and informed to me that, the wrist watch will deliver to me within 20 working days.

On 10th Nov '08, I have received one more sms from them saying regrets for delay in dispatch and they will be dispatching the product on or before 20th Nov'08. But, till even now no product has been reached me. I have called the toll free no.[protected] and enquired about the status of the same. Then the customer service executive was saying that, the winning product (code 1032) stock was already over and asking me to go for another product which seems like my winning product. Then I asked them to send a mail with the features of the product, which they have agreed to send within 2 days. Till now, no mail or no product has been reached me. Then I came to know that, they have cheated me by debiting Rs.699/- from my credit card and not sending the product.

They have not even felt responsibility to inform when the product was over. Even after me calling them, they have misleaded by giving the wrong information. I was unnecessarily charged with Rs.699/- and loosing faith on these fairless coupons.

I demand them to send the same product which I won or to pay compensation for cheating me and misleading by giving wrong information.

Dear Sir/Madem,

I am Malik MohammedNaved. I am staying in ahmedabad. I have account in state bank of India last two years.I have two year old customer for this public sector bank. I have account in Ahmedabad in Astodia Road, Brench My account no is 30027673. I have compalint for the bank manger who was donot good behavioures with customer and say bad ward for me. My issue is I want to verified my photo on my passbook and give some signature and stamp of the bank and brench but sir the manager can not accept my request and they hurt me and they told me bad word in the bank. I am the old customer and i have used all types of services with bank.
I have near head of Ahmedabad but donot right talk about complaint with me.

I hope sir u will do it well this work with good prospectus and manner and listen the customer comlpain.

My mobile no is [protected].

Regards
Naved Malik

I was trying to apply for SBI Credit Card, in the website they informed, for salaried persons, if they have annual income of Rs.1.2lakh per annum, then they are eligible for SBI Card. But when i contacted sales person, they informing. we need to have our salary account with SBI, then only they can issue for card. Even i am having a savings account with SBI since 2004, still they not agreeing. Then from their team leader i got information that, we can apply for the card through the SBI branch where we have account, and i applied, Even i given the bank statements of my salary account (with another bank) and also my savings account statement of SBI. Then salary certificate, etc. still my application got rejected, saying i am not maintaining my savings account with average balance of Rs. 40, 000/ for last 6 months. If i maintain that, then only they will provide the card. While i call up the customer care, they are telling the normal ways what is updated in the website(www.sbicard.com). Now again i've applied for the card, which i directly send to the head office(New Delhi). But not sure whether that will accept, because, few days back when i call the customer care, they informing they stopped issuing cards at Cochin.and i'm from cochin. So if this time again if my application gets rejected, then i request all people who wishing to go for SBI Card, to get into any other credit cards. Because its been more than a month time, i was running behind the same. Also other banks are ready to get me the card, even they send the hard copy of application forms to my home address while i enquired about their credit cards. They know how to deal with customers.

I am a sbi credit card customer and i have earned more and more reward points with my purchases made out of hard earned money. To my surprise nearly 3000 reward points were reduced from my total reward points without any prior intimation either phonic or through monthly statements. But in jan'09 statement it is clearly stated that points earned and not utilised before 24 months will be lapsed. As on jan'09 nearly 3000 points were lapsed. Intimating the fact after deducting the points is not just and fair. It should be informed in advance as and when the situation arises. No where it is mentioned in the terms and conditions supplied to me and it was not mentioned in any statement except jan'09, from which statement only i came to know the details. had it been informed to me as and when it happens i would have utilised the points. There i request to kindly consider my request and see that the lapsed points upto jan'09 statement may please be added since i have saved the points with lot of purchases made with hard earned money. thanq

Dear Sir,
I have a saving account in SBI (Gannaur Branh) a/c no:[protected]. By 1st Jan2009, I tried to withdraw Rs.15000/- through ATM, but due to delay in tranction neither money nor any statement slip was dispensed by the ATM machine installed at Gannaur Branch. After that I went in to the branch withdraw the amt using withdrawl slip, but when i saw my statement in the evening, it was showing me Rs.15000/- ATM WDL. I complaint to the bank same time, they asked me to wait for 24 hrs, but nothing happned then I submitted a written complaint letter to the branch manager. But till date no action was taken by them, neither they forwarded my complaint to the coresponding dept. When communicated to the branch manager, he replied that such cases takes time and he can not assure by when it can be done.

Kindly look in to the issue ASAP.
Regds,

Vivek Gaurav.

Dear Sir /Madam,


I am harrashed by SBI Credit Card, They had promissed me for Balance Transfer to another Crdit card absolutely interest free 90days, unfortunately thereafet they have charged the interest onthe BT amount. I have already paid the principal amount. I am not entitle to pay interest. I have spoken to therir service center to rectify the wrong calculation of interest
but no result. Instead every time new new persons are calling from their call centers.

Now they are harrashing me calling 10 times daily during office hour even when I am busy in important meetings etc.


I will let know the details with credit card statements etc soon.

Sincerely yours,

thanks & regards,
Ajay Raut

sir,
i just wanted to know is there any minimum balance to be kept in our acc. is any fine charged for not having that amount. ?

Sir
My friend has thrown his ATM along with Sealed PIN in dust bin by mistake. He has not used his ATM card at a single time. When he aproached bank for withdrawl of money by withdrawal form bank stated that Rs. 300/- only is balance in his account. He quaried the matter and it came to know that somebody who get the ATM card has withdrawl Rs 90000/- from his account contiously three day from the same ATM. First day Rs. 40000/- ( Rs. 5000 X 8 = 40000) Second day Rs. 30000 and third day Rs. 20000/- only have been withdrawn. Can he claim the money from bank. he himself not withdrawl the money. What is the legal formalities and legal procedure to know about who withdrawl the money and what is the leagal procedure to claim his money from bank for getting his money back .

Please advise.

Hello, Sir i am R.KRISHNAMOORTHY, NO.22, MEENAKSHI NAGAR, GUDUVANCHERY, CHENNAI -603202 TAMIL NADU, I forget my password yesterdays onword i don't remember till now i try many time but not remember at all.My State Bank Of India ATM-CUM-DEBIT CARD NO. is[protected]. My PIN no. was that4844, 4847, 4894, 4865 among all this which once is correct i don't no please send me my correct PIN no. so that i can remember nexttime i dont write anywhere but i remember only my mind yesterdays i was to much tension that is why i forget my PIN password send me the password to e-mail id as early as possible.

my atm's pin number was not clear in the form..please sent me my pin number or call me at [protected]
my atm card number is[protected], and my account number is[protected]. please...

Dear Sir,
This is the copy of the complaint I sent many months ago to the sbicard complaints division. I was promised (through email) to be contacted by their representative “very soon”. As I received no call even after few weeks (as is always the case with them) I sent another copy of the complaint asking for postal or email solution for the same. Following is the copy of that complaint which I sent them so long ago.

Beginning of the copy…



From,
N David Joseph, SBI card no: [protected].


Dear Sir,

Sub: Complaint no.1 Change of credit limit-reg.
Complaint no.2 The SBI credit card agents’ failure in Bill collection resulting in my
paying penalty.
and non receipt of statements at my new address despite innumerable
requests.

I have been a customer of SBI credit card for a very long time and I was even given a loan of Rs.25, 000 as a reward for my prompt payment of dues. From this position of an honest customer I have been deliberately relegated to the position of a defaulter by a self serving agent of the bank.

I was time and again penalized for a default which I was forcibly dragged into, to serve somebody’s most undeserving reward for having ‘traced’ me at the very address where I had been paying my dues for more than ten months from February 2007 to November 2007.

The details of the unfortunate situation I give hereunder; the latest blow dealt to me, my reputation and my middleclass financial situation in Complaint no.1 from a list of other previous ones dealt to me in Complaint no.2

Complaint no.1: Change of credit limit

• My name is N David Joseph, SBI card no: [protected].

• My credit limit according to 6 July 2008 statement and till the same date was Rs.53, 700.00.

• Minimum amount due according to 6 July 2008 statement was Rs. 2, 425.10

• But suddenly according to 6th August 2008 statement my credit limit was
brought down to
Rs.18, 200.00

• Because of the above sudden change the minimum amount due has shot up to Rs.28, 896.57

• I noticed the discrepancy by opening the statement only after dropping a cheque for an amount of Rs.3000 before 26th August, 2008.

• When I tried SBI card helpline 39020202, I received a message saying Rs.3, 000 has been received but as only a part of the minimum amount due i.e., Rs.28, 896.57

Complaint no.2: The agents’ failure in Bill collection resulting in my paying penalty

• I changed my address from Himayatnagar, Hyderabad, in January 2007, and informed the people calling from Chennai about the change of address and requested for the statements to be sent to my new address. Flat no.109, Partani towers, Golconda cross roads, Musheerabad, HYDERABAD-500020

• They offered to take cash payments at the doorstep and told me I need not drop cheques when I told them on a few occasions, even though I dropped my cheques well within time the statements were showing late payment and penalty deducted!

• They noted my new address and from January, 2007, till November 2007, the collection agents have collected my payments at my new address


• From that time onwards I regularly received calls from Chennai and Hyderabad asking me to make the payments. I promptly made whatever payment they asked. All the while whenever I received a call I pleaded with them to send the statements to my new address. They would politely note down the address and assure me it would be done. This pleading and assurances went on for more than a year and even though they were taking the payment, the statements never reached my new address.

• And since December 2007, the agents stopped coming despite my repeated requests to collect my payment, till February 2008. Thus I could not pay for the two months as I did not have the statements and I could only call the agents who came earlier to take the payments. They would promise to come but never came during these two months.

• Then suddenly in February an agent ( I remember his name to have been given as Mr.Vamsi Krishna ) sends a man to my place blaming me to have absconded to a new address without informing them and patting himself for having ‘traced me after a great deal of Sherlock Holmes like hunt for me’. On phone he showered choicest of abuses on me.

• This claim he continued making despite my reminding him that I had made my payments at the very new address from February 2007, to November 2007.

• I am sure he must have got a pat and promotion for assassinating my reputation by deliberately avoiding responding to my requests to collect the payment and send statements to my new address.

• I was asked to cough up absurdly high amounts of money to pay the penalty for no mistake of mine.

• I am sure this man was rewarded from my pocket and over my assassinated reputation in addition to the penalties I was awarded for nonpayment.

• To counter his claim and prove him wrong I give hereunder the receipt nos. of my payments at the new address


sno date Receipt no Book no Amount paid
1 6/2/07 6928422 138569 Rs.3, 000/- cash
2 5/3/07 7051146 141023 Rs.6, 000/- cash
3 5/5/07 8041140 160823 Rs.3, 000/- cash
4 8/6/07 8469672 169394 Rs.3, 000/- cash
5 6/7/07 8714219 174285 Rs.3, 000/- cash
6 25/8/07 9327516 186551 Rs.3, 000/- cash
7 16/9/07 9387897 187758 Rs.3, 200/- cash
8 23/10/07 9840156 196804 Rs.130/- I made doubly sure with the collection agent whether this small amount was the correct figure. But later on I was shown as the one who defaulted and a penalty was levied. cash
9 20/11/07 10049876 200998 Rs.3, 390/- cash
10 December 2007 and January 2008 collection agents do not respond to repeated requests to collect the payment and I was not receiving statements




The following and the above details show the payments I made without knowing what the statements were showing and just by the information given by Chennai callers and local agents.

To make the below payments after the December 2007- February 2008 fiasco, I took a loan from a private lender at exorbitant interest.


sno date Receipt no Book no Amount paid Cheque or cash
1 21/2/08 10973123 219463 Rs.3, 540/- cash
2 11/3/08 10973138 219463 Rs.7, 500/- cash
3 15/4/08 11451567 229032 Rs.3, 700/- Cheque no.061667, ICICI bank
4 26/4/08 11434751 228696 Rs.300/- cash
5 5/5/08 11481461 229630 Rs.3, 700/- cash In this one month I paid a total amount of Rs.11, 400/- !
6 18/5/08 11583515 231671 Rs.4, 000/- cash
7 30/5/08 11753385 235068 Rs.3, 700/- cash
Total amount I paid during this nightmarish period is Rs.26, 460/- but still the outstanding amount barely came down the credit limit even though the over limit amount due to those two months would hardly cross one third of this total! What sort of punishment and penalty is this?






Following are the payments I made at Rs.3, 000/- a month before the latest statement came as the latest blow to the person who earlier had been rewarded for prompt payments!

sno Payment
received
date Statement date Minimum amount due and credit limit Amount paid Cheque no
1 25/6/08 6/6/08 Minimum amount due:
Around Rs.2, 900/-
credit limit: Rs.53, 700/- Rs.3, 000/- Cheque no.
061668,
ICICI bank
2 27/7/08/ 6/7/08 Minimum amount due:
Rs.2, 425/-
credit limit: Rs.53, 700/- Rs.3, 000/- Cheque no.
061670,
ICICI bank
3 26/08/08 6/8/08 Minimum amount due: Rs.28, 896/-!!!????
credit limit:
Rs.18, 200/-!!!??? Rs.3, 000/- Cheque no.
061669,
ICICI bank


I am a middleclass God fearing private employee struggling to make my both ends meet without any savings staying in a rented portion. I have four family members to look after including two small children of 3yrs and 5yrs of age.

I cannot afford to shell down unjustified sums of money as demanded by some employer favour craving agent’s strategy to further its author’s ambitions over my assassinated reputation.

I did not know how else to respond to the kind of abuses I was showered with and the kind of agony I have been put through despite my best effort to keep my slate clean.


I am a small man and I cannot fight a system where all the above transactions can be shown as following rules by a well established largest bank and their credit card division.

…………….End of the copy

Soliciting justice,

Yours truly,
N David Joseph, SBI card no: [protected].

Dear sir,


I have opened my account on 23/12/08 in SBI SAMUEL STREET (MUMBAI ) branch getting account no. [protected], but i have not received the ATM Card. Three time I going to my home branch to re send her ATM request .But i have not received the ATM card . Plz take appropriate action and intimate the current position(despatch details etc), as i am in huge need of that...thanx

sir/madam
I had joined sbi bank as a clerk/cashier in january1989.I was posted at sbi hazaribag main branch.I worked till september 1992.then i availed study leave for a year which was not sanctioned.as soon as i came to know of it i came back to join but was not allowed to do so.within three months of taking leave i was told that my job has been terminated.i was even told to write a letter of apology for taking leave without sanction, but even after repeated requests i was not allowed to join.then in the year in 2005 when i lost all hopes of getting my job back, i asked for my pf/da with the due interest till date via letter rm/iv/gen/38..for which i was given a form to be filled and sent regarding the refund of the funds.i did so but again after that there was no response from the bank even after repeated letters and phone calls.
kindly help.i shall be obliged for this.
yours sincerely
seema kumar(then seema routray

Dear sir,

>I have applied for a corporate bank account in SBI chitradurga on 27thDEC2008.

>Till now i havenot recieved my ATM card.

>Three times I went to the bank to recieve the passbook but still they havenot given the passbook.

>Actually the corporate account means at the time of opening the account they will give passbook, checkbook, ATM card and internet banking option.

>But till now i recieved my customer id, account no.

>Please kindly take action on the concerned person.

Best Regard's
Anush kumar.V

DEAR SIR,
I HAVE WITHDRAW Rs 5000 IN ABOVE SAID BRANCH ON[protected] ONE TIME ONLY.BUT Rs.5000 IS DEDUCTED FROM MY ACCOUNT ON SAME DATE AND SAME TIME.THIS THING IS CAME TO KNOW FROM MINI STATEMENT ON[protected].REGARDING THIS, I HAVE COMPLAINTED MANY TIMES IN ABOVE SAID BRANCH, BUT I AM NOT GETTING ANY REPLY.KINDLY INFORM ME ABOUT THE METHOD OF GETTING THE AMOUNT FROM THE BRANCH

BY,
V.PADMAVATHY

Dear Sir / Madam

This is to bring to you notice that since this is almost 1 and 1/5 months pasased I have open an account with the SBI BANK ( SHANKAR GALI BRANCH) in the name of Shyam shankar Sharma but we have not received the ATM card and the pincode since today and whenever we are going to the bank they are not respendoing to our problem the Shankar Gali Branch staff is also not treating the customer so I want to register the complaint against the Branch Manager of SBI bank because when we are gone to open the account they have told that we cannt open the account as our address is of kandivali east but when we told that as per our knowledge we can open our account to any nearest branch but still thay not agree for the same and they have diverted to kandivali east branch which almost takes 1 hour from my home but still we had gone there and at there they have told that we required to pay minimum deposit of Rs 5000 to open the saving account at kandivali east branch so told that we have already open an saving account in sankar gali branch in the name of my self Hitesh Jha and I have just paid 1000 Rs as deposit so why we have to pay 5000 Here so they just told us that if we want to open the account we have to pay 5000 or we cant open the account here

After 1 weak we are gone to the sankar gali branch and talk to the manager itself but he is not ready to listen to anything and told that just confirm with the manager of kandivali east branch and when he spoke to that person he again told us that we can go there and know they will open our account at 1000 deposit but we refuse to go to there again because it is to far from our home at last after to many argument they agreed to open the account to there branch

SIR I really request to you kindly look forward to this problem as we are in the need of the atm card so please do the needful to us ASAP
kindly let me know for any query please contact me on [protected]


With Regards,
Hitesh Jha
[protected] / [protected] / [protected]

respected sir,

i rasool my acc in beatamcherlr i am apply for net banking 1 month does ot send my password of net bakibg ple take action sbi

respected sir/madam,

i had made a transaction for online reservation, but due to some problem in the network i did not get my ticket confirmed even after giving my pin number which is the final step..so i tried again logging in, continuing the procedure of entering the details and giving my card details and pin number..but to my knowledge when i checked my balance in atm, i found that money got cut twice for the same ticket.
if at all i had entered twice i should have got 2 tickets, instead i have got one ticket costing me twice the amount of a single ticket...my card details are[protected]D HARISH, SBI) my card number is[protected]- kindly check into the matter so that i can recover my lost amount...
hoping so sir, thanking you

harish

Hello

Beaware of SBI Inter City Charges, if you deposit money in any of SBI Branch they will charge you Rs 50 for the amount above 20000, with in less than 10000 they are charging 25 Rs.

So Please be aware of this, while depositing amount in your account, be sure to deposit in your home branch...