State Bank of India [SBI] Complaints & Reviews

Sir,
I am bonafide account holder of SBI Meera Bagh Branch(saving /A/c No.[protected])When this branch startingATM service thenthey gave facility to their costomer for availing withdraw their money through ATM machine withouth charging extra money.Now I came to know through the entries made in passbook they charged 50/-ATM annual fee.On enquiry made by to the dealing clerk he said yes we are charging , then I told why don't get it in my knowledge prior debit this amout.I have come to know some other nationalize banks that they are not charging any amount forATM service.I also told him to show any official order issued by the Higher Authority of SBI. He has not satisfactory answer.The same matter was discuss with branch manager, he has not keeping any back and white order.
It is further stated that Rserve Bank Of India order to the all banks to honour all ATMcards not only one particular bank issue
but also ATMcards of other bank without any service charges as
well as annual fees.I request that all amount debit may be credited in my account with instructions. So that I can not happen infuture to the other customer.
Keepining in view of above my complaint necessary action should be taken and acknowldege to the undersinged.

Dalip Mohan

Dear Sir,

I am a Holder of SBI card no. [protected] which has expired in June,07. I havenot been using his card for more than a Year now and was not receiving any statements. Out of the Blue On 3rd of November,2007 received a Statement showing some flexipay transaction with code IGN 06 and related late fee and administrative charges. Started writing to standard customer service email id feedback.[protected]@ge.com asking about details to what the Transaction was all about. Only reply i got was they kept on resending the account statements. Escalated the matter by writing to Head.[protected]@ge.com and after several mail exchanges came to know that they had charged some Royal Sundaram insurance charges on the account against this card which was supposed to have been levied after my consent. I clarified to the contrary and also argued that this is an expired card and i had received no intimation of the same. In the last mail they have stated that they have reversed the insurance charges but are unable to reverse the admin and late fee charges as as per their policy admin charges can be reversed if a consumer reverts back within a month. I have been writing to them for last 2 months and they themselves have taken 1 1/2 month to clarify what this IGN06 means. Have kept a record of all email exchanges with them. Please advise as to how can i take this matterup in consumer courts and can i be represented in absentia as i am currently travelling outside the country most of the time.

I do feel cheated on this whole Issue and am very dissatisfied with responses received from the AVP Customer Service, Would like to know my legal standing on this issue as the outstanding charges are to the tune of 4000 INR and they would continue to levy Late fee charges.

Regards,
Sameer

Without doing any transcations, frequent debits are observed in my account. Complaints made are not responded. Even requested for closure of card but noT responded. Attempting to rectify the debits for past two months but unsuccessful. Received statement again for December dt:[protected] where unauthorised debits are noticed. Having an SBI credit card is only foolishness. I suggest everyone Better not to respond to their marketing technics or else you will buy only problems with owning such SBI credit cards.

HELP ME TO CLOSE THE CARD ACCOUNT URGENTLY. IF NOT RESPONDED, I WILL BE COMPELLED TO APPROACH COURT OF LAW.

My card no:[protected]
Dear sir,
Two years back I was a member of sbi credit card.Later I have opted for cancellation,but you have renewed my card and send it to me.With in one week I was cut the card diagonally and dropped it in sbi bank credit card drop box.Later I received a call from your executive and I told him cancellation of credit card,Now I do not have your card and I am not using it.But your sending statement of default which may be a renewal amount by your computer generated bill.
Please don't send any bill from now on words.
Thanking you,
Lam.David jaya raju,
Door No:27-1-114,
Srinagar,
Gajuwaka,
Visakhapatnam-530026.

THIS CARD SHOULD BE BEST AVOIDED,SINCE IT IS THE WORST WITH REGARD TO CUSTOMER SERVICE ,WHERE EVEN THE AVP IS NOT ABLE TO TAKE DECISIONS. THEY TEND TO RELY MORE ON THE FINE PRINT TO DENY THE CUSTOMER THE BENEFIT OF ANY CAMPAIGN & THEIR CONTESTS ARE WORTH AVOIDING [ THEY ALSO HAVE MANY HIDDEN CLAUSES ].THE MATTER EXTENDS FOR MONTHS TOGETHER RATHER THAN ANYTHING CONCRETE HAPPENING.THEY ARE THEMSELVES NOT SURE AS TO WHEN THINGS WILL GET RESOLVED FOR ANY PARTICULAR ISSUE.POINTS WISE ALSO FOR REDEMPTION THIS IS ONE OF THE WORST CARD.

I have choiced sbi internet banking but due to certain reason now I want to cancel it.Ialso sent application through local branch .But sbi is not listening to it.
tkmukherjee
a/c no [protected]

I had subscribed for SIP in your fund “SBI Magnum Tax Gain-Dividend” though Mahindra finance with Folio num from 15th June 2007 with amount Rs 2000/- per month; for which I had given my ICICI account details for ECS. As going forward I had requested to change my ECS bank account to CITIBANK in August, and I have given a request letter for the change of account details to Mahindra. Thereafter I had received confirmation letter from SBI Chennai office saying the account num has been changed and henceforth the ECS will get debit from my CITIBANK account only and dividend will be sent to that account only, further ECS has to get debit from my CITIBANK account which has not happened till now from past 5 months.

I have noticed that still ECS call is going to my old account details in September. This is result after regular telephonic follow up with Mahindra Finance and SBI office in Pune.

So I have given a 2nd time request in October / November regarding the same for change of bank account details and I have got 2nd confirmation from the SBI People saying the account num has been changed and henceforth the ECS will get debit from my CITIBANK account only and dividend will be sent to that account only.

Still I have noticed for month of December the money has not got debited from CITIBANK through ECS.
Inspight of all this I have purchased all the NAV’s for 5 months through checks and in a higher price.

In result of your discrepancy in service I had Financial and Mental losses. As if you had acted and served my request properly I must had hold more units against the units what has been allotted till date as amount was laying Idle in my Citibank account waiting for getting debited. I should get compensated for same considering your fault in the case.

Can i know what shall i do in this type of issue, and i want to go as per law, and can i get confirmation that i will be getting compensation

Sir,
I am holding an account in SBI ,Hal branch ,Bangalore
While i was withdrawing money from a btm layout ATM power went and 400 Rs was deducted from my account and i could not get any cash .
so i launched a complain against this more than 10 times in SBI hall brach,SBI head office.
I also submitted more than 3 applications and I personally met with the Manager and Concerned Transiction Holding team of the HAL branch.But Nothing happend From the date of Incident (15/07/2007).
Now if i try to call the manager of this branch he says"Forget that money ....we cannot do anything for you"
So please suggest me what to do???
If we as a proffesionals working in Big firms of India are Cheated By this Core Indian Bank then how one can think of giving correct ness to normal people.

Ref: Credit card/0708
Date 18.12.2007


To

The customer care
SBI TATA CARD
Sub: SBI TATA Card - Cheating & Failure of security system


Dear Sir

I have to state that I had been having strong faith in business ethics , social responsibility , secrecy and procedural compliance of your bank, as my experience with your bank in last six years, however incidence which occurred with me on 14.12.2007 has broken my confidence and question mark on your business ethics. We request you to go through the below paragraph whereas whole incidence is described and correct your procedures for better interest of consumer and society.

I was issued SBI TATA credit card ( Card No [protected] , Name Inamul Haque ) year back, which I kept with me to use under emergency when I run shot of fund hence forth not used at all. On 14.12.07 two executive with proper ID card of SBI visited my residence and told me

I ) You are a SBI TATA credit card holder and you have not used the card for last. Card is not issued to keep is unused.

2 ) As per our bank instruction , You are required to surrender the card, and We have come from SBI to collect the card.

Since the executives were polished and knowing the confidential information that is card not used so far, and were aware about the my address , and that they were having ID card of SBI Bank, it could make sense to believe that they are really doing their work and they have come from bank, as such I have handed over the seal pack of Credit Card to them.
As a preliminary measure I asked them to give receiving on a piece of plane paper which they agreed to do ( Attached )

I was sure enough about the credibility of executives hence did not find it important to intimate telephonically to customer care. However on 17.12.2007 I was in visit to SBI Bank , Main Branch, Bistupur where I enquired about this Not In Use Card Collection from residence, I was surprised with the attitude of staff, Nobody at all took my version seriously and nobody liked to answer anything about this. Then I got restless and my inner faith started doubting about the credibility of Card Collecting Executives. I called SBI Helpline No. 50008000 and I was updated that

1) There is purchase of 50000/- from Sri Jagdamba Store Jamshedpur on 16.12.2007
2) There is withdrawal of 20,000/- on 15.12.007
3) Some other purchases costing around 5,000/-


Above shocking news is broken my confidence and I cheated by so called disguised executives, virtually they made use of my card.

Innocent people like me is bound to be cheated as there is no security measure by bank. We line in clean and civilized colony of Jamshedpur where cheating and theft is uncommon .

Your bank is also partly responsible, as there is no security measure taken , had it not been the responsibility of bank

1. To give the verification/ confirmation call at the time of purchase to card holder when a transaction more than 20,000/- happens. Or other such control which bank like HDFC does. However SBI does not do so ,this was confirmed from your customer care,Gurgaon.
2. To send SMS to card holder when transaction occurs on card.

3. To take special security measure on card dormant/not in use for longer period like

one year.

4. To ensure secrecy of information regarding credit card and card holder. As how a person got confidential information regarding my card that it was not used for one year, the information which he used to win my confidence. Definitely it was leaked out from one or other channel of bank.

5.There must be check point if card not using since 1 year and suddenly using it maximum limit and over limit .

All banks dealing with credit card are able to ensure above security and protect their customers, this was expected from Big Corporate Like SBI as well, surely in greater interest of consumer and society, you need to introspect your system otherwise more such cases will happen.

I have contacted personally the local police station and wanted their help in this matter, police is very much ready to catch the cheater if

1. Photograph of cheater is provided – you may kindly arrange downloading photo from ATM from where person withdrew the money. This must be traced .
2. Complete address of Sri Jagdamba , Jamshedpur ( Shop) where cheater made puchase of 48,000/- so that something can be traced.



Besides above two information, I wish to hear from bank what action has been taken by bank to improve the information security system point wise so that SBI TATA card holders are secured and free from such risk.

I also expect sharing of loss caused due to inappropriate security system for which bank is liable.

With an opinion that SBI is customer driven bank & believes in feedback and improvement made in greater interest of customer and society.


Thanking You


Yours Sincerely


Inamul Haque

Credit Card No [protected]
( SBI Tata Credit Card)

Date: 28.12.07
To From
Manager- Customer Services
SBI Cards & Payment Services Pvt.Ltd.
DLF Infinity Towers,Tower C,12th Floor,
Block 2,Building 3,DLF Cyber City,
Gurgaon -122002(Haryana) India.Mr.Ajay Bharti. O.Subramanyam,
Asst.Vice President –Customer Services, 10-25-6, Maruthi nagar,
SBI Creditcards Near west church
PO.Bag No.28,GPO, Tirupati – 517502 A.P.
New Delhi-110 001 Ph: [protected], New: [protected].
Email. [protected]@yahoo.com
Dear Sir

Sub: Stop… Stop… Stop… the Bills sending to my address and stop the Interest
and penalties. I am not responsible for your bil payment regarding your
insurance with out intimation and with out my permission.
Ref: SBI Credit Card number: [protected] of O.Subramanyam.

The problem which I am facing with your behavior of harassing with your customer (i.e. me)…Your bank people was done forgery my signature and debited to my account without my permission.
I am O.SUBRAMANYAM about ten months back one of your representative insisted me to take the credit card, I also had a good faith on SBI bank .Being with that reason I had chosen to take your SBI Credit card.
But according to my knowledge I need a PIN to operate this credit card, but till date I have not received any PIN from your concern yet and I am not using your SBI credit card.
In the September month I have received a message on my cell phone containing that I have to pay Rs.3,629.35. For the Insurance done at SBI Insurance. I rejected the insurance and intimated so many times to your irresponsible customer care executives. and Wrote a letter (Before due date) regarding insurance rejection and dropped the letter in your SBI Credit card payments dropping box at TIRUPATI …………… so many times and so many letters are sent to your bank. But there is no response. I wrote the letters to Delhi, and Chennai and send it through Courier also regarding this matter.
With this mental tension On[protected] I have met with an accident and I was admitted in the Remidy hospital - Tirupati for treatment since three months. My hospital expenses is Rs.10,000/- above. (I have the evidence also) (Since three months I am not getting my salary also and I have barrowed from Vasavi silks – Tirupati Rs.25, 000/- above for my treatment and other exp.)
So I am unable to communicate with you regarding this matter. So many
times I have Informed to your customer care[protected] But there is no response.
But I am receiving so many messages like “your outstanding is with interest and penalty Rs.5,255-06.”
I am unable to pay the total amount, Please cancel my credit card and send me one letter without balance immediately. Other wise I will give a police complaint or I will give a layer notice on your bank people and give this matter to press also.
Thanking you
Yours truly,


(O.Subramanyam.) CC to: Chennai office, Mumbai Office, Tirupati office

My SBI education loan documents were missed ,when they were coming from my home state rajasthan to bhubaneswar through speed post (speed post no.-SPEE[protected]N). They were sent by SBI,bahror,rajasthan to RACPC,SBI,bhubaneswar .But after one month of its dispatch i cold not get it and when i searched in head office of postoffice,bhubaneswar,i found only wrepper of my letter,it did not contain any documents.
so i want to complain it

i have a card where in there is a debit for royal sundaram insurance without my confirmation. again on my request the same debit was cancelled and credit was provided.
however, during thisdebit my credit limit was exceeded because of excess debit made by the bank itself, which is not my fault atall.
but the bank has debited rs.561.80np as the charges for exceeding the credit limit, where as this is done without my consent by the bank, how can i be penalised and made debit to my card account by the bank.
thats why am sending the balance amount after deducting the excess limit debit charges that were debited by the bank to my card account, so as to keep the account uptodate.
jawaharlal nehru .p.
xxxxx2039

I paid all my dues to SBI. But till date they have not reactivate my credit card. Nobody pickup the phone calls. Before paying my dues I use to talk with Ms. Mehek Sharma her contact nos. was [protected]. I called up on last month she said she was on leave for 8 days and after resuming she only handal my pending issue. I call up first week of jan but the above no was picked up by someone else & she said nobody is here in SBI that you said name. Till dfate my issue is pending. Pls. help me if anyone can have contact no. of higher authority in SBIcard.

I have SBI Card - GE gold Credit Card. In the month of Sept-07 the company representative gave me an offer of personal loan with the condition that along with my monthly credit card statement I can pay more than the EMI of my loan. I checked with the representative twice and thrice and on confirmation i availed the loan. Now I wanted to pay the bill and had some more fund available so i checked with the credit card company about the transaction. The shocking answer which i received was i cannot pay more than the EMI amount and if i have to pay more than i have to pay at one go including the foreclosure charges.
I had requested them to reduce my EMI from 48 months to 10 -12 months as do not want any burden to pay for such a long tenure.

But I am getting the generic email that you loan is for 48 months and we are sorry for the inconvenience caused.

I have written to the bank about unethical way of doing business and cheating the customer. I am writing to consumer forum only to safeguard other people. The other reason of writing is to communicate how GE and SBI doing the business and making money.

I am not sure whether I will get justice, but as citizen I thought other people should be sounded and made cautious about the new way getting cheated from bank and credit card companies.

Best regards,
Lalit Kandpal

SIR,
STATE BANK OF INDIA CARDS & PAYMENTS SERVICES PVT LTD, GURGAON IS PLAYING GAMES WITH THE CREDIT CARD HOLDERS. THEY ARE NEITHER SENDING THE STATEMENTS IN DETAIL NOR DESPATCHING THE STATEMENT IN TIME.
DURING THE FIRST/SECOND WEEK OF DEC, 2007, ONE CHEQUE WAS ISSUED FOR RS. 5850/-DRAWN ON ICICI BANK, POWAI BRANCH, MUMBAI, DRAWN BY MY WIFE MRS. MOHAMMAD ZAINAB, WHICH WAS LATER ON DEBITED TO THE A/C.
TODAY, I.E., ON 22.12.2007, I HAVE RECEIVED ONE STATEMENT DATED 06.12.2007 THAT THE TOTAL OUTSTANDING AMOUNT DUE IS RS. 5906/-. THE STATEMENT IS DATED 06.12.2007 AND IT TOOK THEM TO ARRANGE FOR THE DELIVERY OF THE STATEMENT 17 DAYS I.E., FROM 06.12.2007 TO 22.12.2007 FROM GURGAON TO MUMBAI.
THEY ARE NOT PROVIDING THE STATEMENT IN DETAIL.
IN THE LAST WEEK OF NOV, 2007, THEY HAVE CALLED ME OVER MY MOBILE AND INFORMED ME THAT I HAVE TO PAY RS. 5800/-
(OUTSTANDING BALANCE), BUT ON MY INFORMING THEM THAT I WANT TO SURRENDER THE CREDIT CARD AND CANCEL THE SAME, THEY WERE DEMANDING RS. 5850/- I.E., THEY HAVE INCREASED THE AMOUNT BY RS. 50/-.
I AM SURPRISED, WHY THE SBI CREDIT CARD PEOPLE ARE DECEIVING THE PUBLIC IN THIS MANNER.
EVEN ONE OF MY COLLEAGUES WAS COMPLAINING REGARDING THE MISCHIEF BEING PLAYED BY THEM. MOST OF THE SBI CUSTOMERS MAY BE FACING THE SAME PROBLEM.
I REQUEST YOU TO KINDLY LOOK INTO THIS MATTER AND TAKE THE MATTER TO THE HIGHER OFFICIALS CONCERNED, SO THAT NOT EVEN A SINGLE PERSON SHALL BE DECEIVED BY ANY THE ENTIRE CREDITI CARD CUSTOMERS.
KINDLY HELP US IN THIS REGARD.

Dear Sir,

I had surrendered my credit card way back in 2003 and specifically requested for not renewal of fees. Although the card was surrendered before the due-date, my account is still not closed by SBI Credit Card. Moreover, SBI has shared the date to CIBIL which is creating lot of inconvenience on my credit rating.
There was no transaction done on this care after surrendering the card. I request you to please intervene and delete my name from CIBIL.

sajeeth prabhakar

I amit nagarkar using SBI card for last 8 to 10 months and i always make payments in time to them but these guys are always called from Delhi and talking very rudely. its not the way to treat with any one. first they call on customers no stating that they will send the person to collect the cheque and no charges will taken for this. if you drop your cheque in drop box it will get misplaced so don't drop and give it to our man who will came to your door for pick up.
when i received my statement i have seen they charge me cheque pickup charges i called on customer care for this issue then they revert me that there is charges for cheque pick up.
when you deal with them always care full

my sel[censored]mesh
i am not interested for medical insurence cover and i dont need for the same,
pl. cancel from my bill, please check my bill for cheque pick up fee 24/11/2007 61.80D and another cheque pick up fee 24/11/2007 61.80D on same date i dont know what is this
thanks
[protected]

Dear Sir,
Some time ago one of the SBI credit card executive called up and offered free credit card for life time. Since it is free I opted it. After a month i received a card with pin. It was unused for few months since i need to go for out of station. Once I back, saw couple of SBI credit card statements claiming that i need to pay around 7K which includes Annual charge ( is it free !!). I really SHOCKED. I've not even used the card they asking me to pay 7K. I called up customer care and informed the same. Again I SHOCKED by his reply, YOU SHOULD HAVE READ THE DOCUMENT CAREFULLY.
Now they harassing me by calling every day and asked me to come to the bank else i would get notice from the bank.
Now only one option is to go to the bank and get clarified.

Thanks,
Ravish

READ THE MAIL OF CIBIL AND MY SENT MAIL TO CIBIL AND TAKE RESPONSIBILITY FOIR THE DAMAGE DONE TO ME


[protected]