State Bank of India [SBI] Complaints & Reviews

I am an SBI “International” Credit Card Holder, Card No: [protected] who would kindly like to seek your kind attention towards the following major grievances regarding SBI Cards:
1. False Commitments made by executives of SBI Cards!
2. Highly uncooperative and misleading responses of call centre executives of SBI Cards!
3. Lack of access to grievance readressal cells and officials of SBI Cards for existing account holders!
4. Lack of availability of pronounced guidelines regarding account closure for existing account holders!
5. Withdrawal of services to existing card holders without any intimation!
6. Discourteous behaviour of associates of SBI Cards!

In my account statement dated 4th of June 2008, the total outstanding balance was Rs 8, 281.74/- (Eight thousand two hundred eighty one rupees and seventy four paisa only). During my tenure o[censored]sage of the card, the service provider SBI Card has always remained a faceless organisation and I have always faced extreme difficultly in escalating any issue or concern to the appropriate authority through the ill trained and uncooperative call centre executives.

As a consequence I decided to close my account permanently by cancelling my credit card and making a full and final payment. I called up the call centre to inquire about the process but the only response which I got repeatedly was that: “You cannot close the card on your own will; it can only happen if certain criteria are met up”. On enquiring about the criteria no information was shared with me by the call centers executives.

In the end of June 2008, when an executive/ associate from SBI Card called me up inquiring about the payment status, I re-expressed my intention of closing the card. The call was made from [protected] and the executive after a series of discussions & negotiations intimated me if I pay a full and final settlement amount of Rs 5, 000.00 (Rupees Five Thousand only), the balance Rs 3, 281.74/- (Three thousand two hundred eighty one rupees and paisa seventy four only) would be waived off. On asking for a written confirmation of the same, he assured me that once the payment is realised the organisation would send me a written confirmation regarding the waiver and the adjustment in the balance would be effected within a period of 45 (forty five) days.

I subsequently made the payment of Rs 5, 000/- on an immediate basis on 2nd July 2008. Thereafter no monthly statements were couriered and no telephonic calls were made to me either, from SBI Card and I had completely stopped making any kind of transaction with the Card.

However to my enormous surprise and utter disgust I started receiving repeated calls again from associates of SBI Cards in the month of November 2008. The calls were made from [protected] and the executive informed me that my card is still active and no adjustments (waiver) has been made in the balance post my last payment of Rs. 5, 000/-.

He also informed that the current balance in my account as of 4th Nov 2008 was Rs. 6, 268.78/- (Six thousand two hundred sixty eight rupees and seventy eight paisa only) which needs to be paid. Based on the discourteous behaviour and the update provided by the executive, I called up the call centre to understand the reason as to why the false promises were made to me in the recent past BUT IN VAIN.

The current state of affairs is that on one hand, I am continuously calling up the call centre executives and sending feedback e-mails to understand the process of making a full and final settlement but nobody is providing me with any guidance at all. On the other hand, I am receiving dismayed calls enquiring about the payment of the outstanding balance.

My exercise of running from pillar to post is leading to loss of valuable time and unnecessary compounding of interest on my outstanding balance. If the acts of relying on the words of an executive of a world class organisation and working accordingly is REWARDED in this manner, then how would we as common people keep faith in the goodwill of SBI Cards and in particular in State Bank of India!

I however still am hopeful and expect justice from your end in the above-mentioned issues as to IMMEDIATE SETTLEMENT AND CLOSURE OF THE CARD.

[protected]@deals4all.net, head.[protected]@ge.com, feedback.[protected]@ge.com

Hi !!

SBI Card # [protected]
SBI Order #[protected]
AWB # [protected]
AFL Courier Bangalore Nos. 22335096 / 25329696 / 41121962 / 63.

Issue: My Name is Praveen N residing in Bangalore and had ordered for the Giordano watch on 7th Nov and my amount also got debited, the SBI Order #[protected]. But till date I have not received the Watches (Two Quantity) Amount deducted is Rs.798. When called to Deals 4 All Mumbai they gave me the AWB No. and when contacted the AFL Logistics Courier, they gave me the information saying it is delivered to Anju in Delhi. I called the SBI Call center several times and spoke to several CSR's of which I remember Anitha, Anup Kumar, Floor Supervisors Sumathi and Vanitha. Nobody could solve my issue.

Being in the BPO industry myself, I pity the Outsourced people as well as SBI for not meeting the Customer's needs and moreover dissatisfying the Customer rather than something better expected. Hope the watches I ordered for Diwali 07 atleast reaches me by Sankranthi / Pongal of 2008.


Response from bank
Dear Mr.Praveen,

This is with reference to your communication dated November 28, 2008 regarding your SBI card account.

We acknowledge the receipt of your mail and assure you that we are looking into your concerns. We will revert to you on completion of our investigations. Please bear with us in the interim period.

We regret that your issues were not adequately and promptly responded in the past. Please accept our sincere apologies for any inconvenience caused to you.

Please feel free to contact us should you require any further assistance or clarification.

We assure you the best services at all time.

Yours sincerely,

AVP- Customer Service

Please note that the current rate of GST is calculated as 12.36% on the Fee, interest and charges as applicable.

Effective October 01, 2008, the finance charges will be revised from 3.1% p.m. (37.2% p.a.) to upto 3.35% p.m. (40.2% p.a.). This is for all card types except Elite and Platinum cards.

Make your life simple with E [protected]@ www.sbicard.com. Just the convenience of getting your monthly statement delivered directly to your email inbox. To avail the e-statement facility, please click on the highlighted link - https://www.sbicard.com/sbi/estatementprelogin.jsp


**** Zero wait information @ helpline !!!

Upon calling the SBI Card helpline, access your Card account information through our Automated System - IVR and know Current Outstanding, Last Payment, request for Duplicate statement and more. For detail refer the attached instruction.

Sir,
I have applied 3 times for ATM Card of SBI on 18-11-08, 28/11/08 & 02/12/2008 in SBI, Jayamahal Extension Branch, Bangalore, but till date I have not received the ATM Card.My SB A/c No.is [protected]. I enquired from Help Line. They told me that my application for ATM Card has not reached there. Then I contacted SBI Branch. They people told me that their Computer is showing ATM access So I cannot do anything. Please do the needful at the earliest and let me inform that what has happened to my application for ATM.
Yours faithfully

Sitaram Das

I SEE PAPER CLERK POST WANTED(8/12/08) . BUT THIS INFORMATION DID NOT OPEN ONLINE SO YOU HELP ME I WANT THIS JOB. KINDLY INFORMATION PLEASE COORECT ID SEND MY EMAIL ADRESS.

Respected Sir,

I have booked my ticket on[protected] with transaction id-[protected] of irctc online reservation services through irctc but my trasaction is failed and when i have taken mini statement of my sbi account it's showing 175 rupees less from my available balance and it's showing POS PRCH how can i get my money back in my account please do needful

Dear Sir/Madam

I am having an account with SBI, Connaught Place Branch . My SB A/c No. is [protected]. On 17.10.2008, i have made a request to the bank regarding Autosweep facility.
The bank official assured me to activate the facility w/in 10 days. But it was not started at all. After that, I have visited around 3-4 times, taking some break from my office, to the bank regarding the same. They assured me to start as soon as possible and also assured me of not losing the interest for the said period.
The official was saying repeatedly that there is some problem. we have send the request to higher official and give assurance of non-waiver of any interest.
Till date, the same has not been activated.I am checking my account on daily basis.
I am really dissatisfied with kind of customer services provided by the large nationalised bank of India.

Please do the needful.

Regards
Monika Sachdeva

DEAR SIR
I HAD SEND COMPLAINT AGAINST SBI CREADIT ON 25/3/08 REGARDING STATEMENT NOT RECD.

AFTER 4 - 5 MONTHS I RECD. CALL FROM SBI CREDIT CARD THAT THEY HAVE REVESED ALL THE CHARGES AND NOW OUTSTANDING IS ZERO.

BUT ON 5TH NOV 08 I RECD A SMS AS FOLLOWS "YOUR STATEMENT DT 02NOV-08 HAS BEEN DISPATCHED. TOTAL O/S OF RS. 267.58NOR MIN AMT OF RS. 220.16 IS PAYABLE BY 22-NOV-08- SBI CARD" AND TILL...

Dear Sir,
With reference to my SBI Credit Card (Card No: [protected]), I am neither receiving any card statements nor any bills. In such a case I am under a heavy confusion about the balance and due and cannot estimate as to how much to be paid. Please cooperate and help me out and start sending the bills as you used to do priorly.
I have made international payments through the card recently and need to pay the card bill. Please cooperate. Else, later I shall not pay any FINE on the amount and shall pay only th bill amount.

Kindly cooperate. I shall be waiting for your reply in this matter.
With Best Wishes,

S. GhatakChoudhur

[protected]
Dr. S. Ghatak Choudhuri
Assistant Professor, department of Electrical Engineering,
Indian Institute of Technology Roorkee, Roorkee-247667,
Uttarakhand, India
Tel : +[protected]O), +[protected]R), +91-[protected] (M)

I had called call center to cancel my Credit card.They said "YES IT WILL BE DONE IMMEDIEATLY " for my request and did not acknowledge me.Now Bank people are calling me and asking me to pay the fine....

Sir, I am the Account holder of State bank of India and my account no is [protected] and my ATM card no. is[protected] in Ballia city Branch in U.P. I withdraw cash from allhabad bank's ATM machine on 19.10.2008 at 9.55 A.M. but at the time of cash withdraw light has gone and ATM machine has shut down and I can not get my cash frommthe Machine, but on same day my A/c was debited by Rs.5020.00

I gave a complain to SBI and Allahabad Bank on 20.10.2008 for this matter so that I can get my money from the Bank, but there is no any progress in this matter, when I contact to the Branch Manager.

So, i request to you that please look in to this matter and kindly return my money as soon as possible.

Thanking Your

kanhaiya Lal Verma

I had gone to SBI palampur, HP on 10 Dec 2008 to change my old torned SBI debit card No.[protected]. The dealing hand was not found on the chair for about an hour. When I reported the matter to the manager Mr. H C Rana he misguided me and sent me to some person called Kashmir singh. When I met that person he misbehaved with me, threw my debit card on ground and said that it cant be done today. When I asked him this is the way you deal with your customers he addressed me . Its been my 7th year in armed forces and I had never been insulted this way. My salary is coming in this bank since the day I am serving for this nation. Its a matter of shame that we are treated this way.

SBI offered me loan on phone for Rs.30000 for one year installment and I accepted, I paid every installment and dues in cheques, since SBI do not take any cash payments, I droped my cheque in SBI drop box in thrusday's, but according to SBI there drop box gets cleared on wednesday and because of this my actual due dates got over and I paid fine for this, and after all these I asked SBI for Full and Final due, SBI told me to pay a sum of RS.6824 and I have paid it by cheque, but in Feb 2008 SBI told me that I still have to pay Rs.17000, and I asked SBI for My full statement but they did not replied against it, but they have blocked my card and sent me a legal notice.

sir I santosh mehta my account no is [protected] of sbi seelam pur delhi . its often whenever any one transfer money throuh netbanking bank always deduct rs 25 from my account. is there any rule of netbankig system.plz do need ful.

I had tried to withdraw of Rs. 1500/- on[protected] but the message displayed that the transaction could not be completed due to some technical problem...I tried second time to withdraw Rs. 1600/- and that amount received from ATM and also the balance shows is proper without debited of Rs. 1500/- that i tried to withdraw previously. But after two days i saw my statement that Rs. 1500/- is also debited to my account and that was not received from ATM. I lodged the complain but not even single process carried out bye the SBI emloyee. They are just giving me a time (playing with time) it has been over three months but nothing happened yet...So, I want to know that can i get my un withdrawl money back or not ????

I am worried about has happened to the company. Since yesterday my card stopped working. Today when i tried to access their website www.sbicard.com, it is not working and also thecustomer care number [protected] is not working. I am due for last month's payment but cannot do so as nothing is accessible. I am surprised that such a big company can act in such an irresponsible way without informing the customers. Please do something about this.

my ATM debit card is non functioning from weeks together. i had posted a complaint to the concerned officer as shown in the ABI site for redressal. The oficer had not even shown the courtesy to respond nor corrected te compalint. Then, I went to my baranch in Aluva, but the officer said he is helpless, pl try in helpline, [protected]. To my surprise, nobody reponds from this nbr. The customer is always at loss, sir. I an still groping i the dark for a solution.
Rajesari

Date: 6th December 2008

Sub: Dispute Regarding Credit Card Settlement amount and Misbehavior and Repetitive harassment by your executives

Respected Sir/MAdam,

I used to posses SBI Credit Card, No [protected]. I had already notified the bank regarding the dispute on my transactions in the month of September in a letter (email) dated 8th of September 2008 and addressed to head.[protected]@ge.com, But I did not receive any reply from the bank.

In the first week of September Mr. Francises, Bank executive from the SBI, Credit Card Department, Mahim Branch, Behind Mahim Church, Mumbai, initiated a negotiation over my queries regarding the credit card statement. On 26th of September 2008 Mr Thorat gain from the same branch informed me that the bank has issued a settlement letter of Rs 35000 and directed me to pay Rs 3200 as a part of the settlement by cheque. I did pay the amount by cheque, cheque number 693816, cheque dated[protected]. Therefore the balance settlement amount,[protected]=31800.
On 26th October 2008 another executive called up from the same Mahim Branch and directed me to pay Rs. 3030 again by cheque dated 7/11/08 as a part of the remaining settlement amount. Again I did the same, paid by cheque, cheque number 693818, cheque dated 7-11-08. Therefore the balance settlement amount,[protected]=28770. He assured me to send me a letter within 2 days regarding the balance settlement amount of Rs. 28770. He also asked me to pay the remaining amount in 5 monthly installment of Rs. 5754 and details of these will be mentioned in the letter. The conversation with your executives has been telephonic conversation from the telephone numbers[protected],[protected]. And they have always presented as Bank employees from Mahim Branch and not any back office people. I have the receipts for all the payments made and also the settlement letter issued by the bank.
But I did not receive any letter from the bank. Hence I called up to enquire on the numbers[protected],[protected], The executive on other side directed me that the settlement is now null and void.
I would like to know why the settlement is null and void when done as per told by the bank officials.
On the 4th of December at around 7.00 p .m. Mr. Sanjay posing as bank executive called upon the residence and started misbehaving with my parents who are senior citizens and my younger brother who is below 18 years of age.

His sentences to my brother were:

“Your Sister dates and moves out with guys, hence she requires money”

How can he pass such derogatory remarks?

He again started negotiating with my parents a new settlement amount, he also asked my parents to pay the amount. I would like to ask you “How can my parents be asked to pay the amount when they are not related in any way to SBI credit card [protected].Nor are they the guarantor and how can the settlement amount be negotiated with them”.

I took over the telephonic conversation. He now told me that he has the settlement letter of Rs. 35000 then why was he abusing and misbehaving with my parents and passing those derogatory remarks. I confirmed with him that I have already paid Rs 3030+ Rs 3200 = Rs 6230 as a part of the settlement amount and also told him about the past conversation with Mr Thorat and other executive and execution of instructions as directed by them. Over this Mr Sanjay started shouting and passing comments:
1. “My money is wasted as I have called you”
2. You talk to much You should be a radio jockey, You start working at a radio station.
3. I know there is a fan at your place, I can here it’s noise

I interrupted and reminded him that I have the receipts and the settlement letter. Over this he again started passing critical remarks:

1. What proof do you have that the two installments paid by you are a part of the settlement amount?
2. Where is it written on the letter/ receipt that it is a part of the settlement amount?
3. According to him the previous bank officials were a part of some call center or back office.

And again started passing remarks. I had no other option but to discontinue the call. He started harassing my father by calling him on his official cell number.
His harassement, behaviour and derogatory remarks has resulted in a lot of mental stress to me and my family. I had carried out all the transactions as directed by the bank officials from the SBI credit card department, Mahim Branch, Mumbai. And Still I am harassed.

Kindly clarify on

1. Executives called up saying they are employees of SBI Bank.
2. Mr Sanjay call’s up and starts harassing, saying previous employees are not bank officials they belong to call center or back office
3. Whom should we trust?
4. How can my family members be harassed and threaten?
5. How come suddenly the balance settlement amount of Rs. 28770 is changed again to new amount yet to be decided.


The harassment to my family members continues I may have to take certain steps.

Regarding the settlement amount I request you to direct me to someone senior and responsible bank employee. As I do want to settle the whole matter.

Inspite of a written complaint to Head Sbi the harassment still comtinues.In spite of written complaint on the 4th of December 2008, I am still facing repetitive harassment from the SBI executives calling from your Mahim Branch, Tel No: 30827966

Calls are still made to my fathers official cell no. On the 6th of December I even received a call from your Mahim branch in the morning, your executives Ms. Alva said she will get back to me within 5 minutes and did not call back. I told her about Mr. Sanjay’s complaint. Then around 12.00 p.m. clock repetitive calls were made to my father’s cell. Mr. Sanjay then called up today (6th of December) around 12.15 p.m. on the residence no and again started using foul words as follows:

(i) To my mother: “Your daughter is working, why can’t she pay the money”
(ii) To my younger brother: “ Bhavdya, there ma ko phone de”


In spite of logging a complaint Repetitive harassment continues from Mr. Sanjay and other bank officials.

I do not want any calls from your Mahim branch, I would like to directly talk to some responsible person from Delhi office.

Shruti Dilip Mantri
SBI credit Card Account No: [protected]
SBI credit card No: [protected]





Shruti Dilip Mantri

I am member of irctc and i have apply for sbi railway credit card .
the membership amount already paid though internate banking but till date i am not receive any information from SBI.

Sir
In the reference of the SBI card i would like to say that several unwanted offers comes and they make fool the customers and cheat the customer with unwanted debiting from the account.In my case three day before 'A gift offer came' and in the telephonic conversation they asked my sbi card no. and told that within some day they wiil send all the detail regarding the offer but before my agrrement the debited from my account and since that day i am very much disturbed snd i am considering to give up this card.I request to the responsible authority that kindly take the action in this regard that do not take the action of debiting the money from the account without proper agreement
and please 'CANCEL THE OFFER' for which the amount has been debited from my account . and please give all the hidden and unhidden condition of the offers otherwise i would have to take the shelter of 'CONSUMER FORUM'

Dr. Shriram Dubey
ALLAHABAD

I unfortunately own a credit card of this bank. God Forbid any one should not have it so as these people are relying on their goons and they don't care 2 hoots about the previous track record of their customer. Now let me come in details. I have this card since 2007 and all my payments were in time suddenly I receive a call from a gurgaun number and asks to give payment or face dire consequences. Is it a bank or a Private Baniya giving Udhaar without terms or conditions please avoid this bank.