State Bank of India [SBI] Complaints & Reviews

Sub: - State Bank of India deducted EMI without disbursement the Loan Request for refund my money Loan account no[protected]

Branch-SBI-00056-Chinsurah Akhon Bazar, Hooghly, West Bengal
Dear Sir,
Facts
I, Susanta Nandy, had applied for home loan in State Bank of India, Chinsurah, Akhon Bazar Branch on 23rd December 2019. to purchase a property located at Sasthi Tala Chinsurah, West Bengal.
The loan had been sanctioned by SBI vide sanction letter dated 27th December 2019.

On 31st December 2019, I had requested State Bank of India to disburse sanctioned loan amount of INR 44, 80, 000 through banker’s cheque officially to Mr. Sudhanshu De, the owner of the property against which the loan had been approved.

Subsequently, on 10th February 2020, Mr Sudhanshu De inform me that due to his deteriorating health condition, he was unable to execute sale deed of said property, therefore, sale deed agreement between self and Mr Sudhanshu De had been canceled and Mr. Sudhanshu De returned me the advance amount paid to him. Immediately I informed State Bank of India to close said Loan account no[protected] with minimum financial impact and issue me NOC of the said Loan account no[protected] vide email dated 10th February 2020.

I had personally approached Branch Manager of State Bank of India for submitting application for closure of the loan account, but the gentleman advised me to continue with the same loan and search for some other suitable property and told me that he would arrange adjustment of this loan amount with the loan to be sanctioned against the new property.

Later, I had identified another property, applied for loan again, and on sanction of this loan, acquired this next property on 21st September 2020.

During disbursement of loan to me against this new property, I had noticed that the EMI Amount deducted against my earlier loan had not been adjusted with new loan. I had intimated the same immediately to the Branch Manager, and the gentleman reassured me that he would take care of this adjustment very soon.

Later, noticing no such adjustment, I started regular follow-up with the Branch Manager.

Vide email dated 22nd March 2021, State Bank clearly stated that the “amount adjusted”. Copy of said email attached for reference.

Vide email dated 17th April 2021, `State Bank of India stated that old loan has been closed by State. Bank of India on 1st September 2020
Vide email dated 24th May 2021 State Bank of India denied refund of my money which had been deducted from my account as EMI against my earlier loan.

Appeal to State Bank of India

The State Bank of India deducted INR 302, 812 from my savings account number [protected].No money was disbursed to me or Mr Sudhanshu De against loan account no[protected].

In the loan account statement, the State Bank of India had showed a debit of amount INR 44, 80, 000 dated 31st December 2019, which was never disbursed neither to me nor to Mr Sudhanshu De (seller of home property). In the email dated 24th May 2021 the State Bank of India has also confirmed that disbursement was not materialized ever against loan account number[protected]. So, it is aptly evident that no debit outstanding is there against loan account number[protected] since the signing date of sanction letter, i.e 27th December 2019 to till date.

I informed the State Bank of India vide email dated 10th February 2020 to close the loan account no[protected]. The email is enclosed herewith for your reference and record. I requested the State Bank of India more than once to close my loan account. In the email dated 24th May 2021 State Bank of India has confirmed that my Loan was discharged on 1st September 2020. Ideally my loan account was supposed to close on 10th of February or latest by 26th March 2020 (Three months from the loan sanction date), as no money was disbursed.

I am sending herewith following requests before the representative of State Bank of India for the necessary and immediate kind action

I am briefly explaining the issue here. State Bank of India deducted money from my savings account without physical disbursement of a single rupee to myself or to the property (Home) owner against the loan account. Ideally, the EMI repayment or any other repayment should be done by the borrower after she/he borrows money from the lender. In my case there was no debit outstanding against the loan account number[protected] until now. On the contrary, the State Bank of India had taken credit from me for an amount of INR 302, 812in the form of monthly deduction and final adjustment. The State Bank of India is refusing to refund the money deducted from my account. The outstanding interest amount is also increasing day by day against the credit given by me to State Bank of India. I again humbly request State Bank of India to refund INR 302, 812 alongwith interest claimed by me. I believe my claim is legitimate and lawful, as my money is still lying with the State Bank of India.

Although there was no physical disbursement of money against the loan account number[protected], still State Bank of India showed a disbursement of INR 44, 80, 000 dated 31st December 2019 in my loan account statement. I requested for transaction details from SBI, like UTR (Unique Transaction Reference) number, which was never provided by State Bank of India. I request State Bank of India to inform me about the beneficiary of the loan account number[protected], as my money is not being refunded by the bank. I also request State Bank of India to inform me about the beneficiary of my money, which the bank had deducted from my savings account without having any debit outstanding in my loan account


Details of incident describe as below.

Sl No Date Details of occurrence Amount in INR Remarks
1 27 December 2019 Loan application No -LOS applicationlD[protected]. 4, 929, 600 Loan sanction letter attached
2 30 December 2019 Loan amount-4, 929, 600 4, 929, 600 Reference-RACPL/HL/27.12.2019 SBI Chinsurah Akhon Bazar
3 31 December 2019 Third Party cheque Sudhanshu De-- Not disburse 4, 480, 000 Loan sanction letter attach
4 10 February 2020 Loan Closing application-via Email Attached email for your reference
5 05 March 2020 Physically appear for submission of loan closing application-Refuse to receive
6 05 February 2020 First EMI deducted 41, 000 Bank statement attached
7 05 March 2020 Sesond EMI deducted 41, 000 Bank statement attached
8 05 April 2020 Third EMI deducted 41, 000 Bank statement attached
9 05 May 2020 Fourth EMI Deducted 41, 000 Bank statement attache4d
10 05 June 2020 Fifth EMI Deducted 41, 000 Bank statement attached
11 05 July 2020 Sixth EMI Deducted 41, 000 Bank statement attached
12 05 August 2020 Seventh EMI Deducted 41, 000 Bank statement attached
13 01 September 2020 Loan closed and deducted INR 15821 from my avccount [protected] 15, 812 Bank statement attached
14 01 September 2020 Refund not receive
15 07 November 2020 Physically appear for submission of refund request letter Refuse to receive
16 07 November 2020 Letter submitted for refund request via India post Document attached
17 17 March 2021 Refund requested via Email Email scan copy attached
18 22 March 2021 Reply receives from SBI-1st Email scan copy attached
19 25 March 2021 Reply to SBI against email dated22.03.2021 Email scan copy attached
20 08 April 2021 Letter submitted for refund request via India post-Vide docket numberRW[protected]IN Email scan copy attached
21 17 April 2021 Email Receive from SBI regarding email on 22.03.2021-2nd Email scan copy attached
22 02 May 2021 Reply to Email dated 22.03.2021 and 17.04.2021 Email scan copy attached
23 24 May 2021 Reply receives from SBI-3rd Email scan copy attached
24 30 May 2021 Email to SBI regarding in response SBI email dated 24.05.2021 Email scan copy attached


Since February ‘2018, I have been posted at Bangladesh by my Employer for execution of Power Project & it is not possible for me to follow-up personally at Branch to resolve the issue.

In this situation, I request your kind intervention to resolve the above issue in my favor & arrange to refund the moneyRs. 3, 02, 812/- (Rs. 2, 87, 000 & Rs. 15, 812) at the earliest and oblige.

Thanks & Regards
Susanta Nandy
Nibedita Sarani,
Bauripara, Garer Dhar,
Chandannagore, District: Hooghly,
West Bengal, INDIA
Pin-712136.
Mobile / Whatsapp: +91-[protected].
Alternate Phone Number: +88-[protected].
Email: [protected]@rediffmail.com

Orderd a phone MI 11x on Amazon via online payment through UPI mode but due to some problem i have to cancelled that order. After 1hr of the cancellation amazon showed that your amount has been refunded to the UPI account with an refund reffrence number[protected], Now it is 5th day But sitll not added the amount to my account.

Maine amzon se earphones mangai thi kise jaran mne unh return kr diye amazone ne refund kr dia hai lkin abi tk bank ne ni kia hai 1 mahine se upper ho gaya hai mujhe mera paisa ni mila branch jake b bat ki tb bi nhi btya unho n kuch Amazon ne reference no. B dia h ki apka refund kr dia hai problem bank ki side se lkin bank bale mana kr rai h

I do a transaxtion of amt 11499 on 17.07.2021 the money debited but amazon decline the payment but now till 27.07.2021 i have note received my money credit in my account.
.

I have an order from Amazon with order ID[protected] through my sbi credit card and by some reason order returned and Amazon initiated refund with reference ID[protected] but still not receive in my account .

1. Im serving member of the Indian Air Force currently posted at Air HQ, New Delhi

2. I had taken a Home Loan from SBI Rail Bhavan (processed through SBI RACPC Parliament Street). All dues for the LOAN WERE CLEARED on 05 Dec 2016. The Home Loan Account continued to be dormant since then with balance amount ZERO (Bank Statement showed ZERO till 21 Mar 21)

3. On 21 Mar 21, SBI has deducted Multiple Amounts in the Name of INSURANCE FOR THE LOAN (which was cleared in Dec 2016)
21 Mar 21 Rs 6478 (SBI General Insurance Premium)
21 Mar 21 Rs 8638 (SBI General Insurance Premium)
31 Mar 21 Rs 42 (Debit Interest)
31 Apr 21 Rs 114 (Debit Interest)
31 May 21 Rs 119 (Debit Interest)
30 Jun 21 Rs 100 (Debit Interest)

4. It is Intimated that this Debit of Insurance after 5 Years of LOAN CLEARANCE is unauthorised.
I never Subscribed to any Insurance

5. All Home Papers are in my Possession. Bank has no papers/ No Mortgage. They have no right to deduct Insurance after 5 Years). I got possession of the House in Nov 2020 after 12 Years of Delayed Project which lead to heavy losses.

6. SBI RACPC + SBI General Insurance is requested to REVERSE all Charges that have been Levied and SBI Rail Bhavan needs to reverse all DEBIT INTERESTS

7. I have made multiple visits to the Bank / RACPC
Online Complaint Number is 56114919 dated 12 Jun 21

8. Request Necessary Action please

I made 2 transactions on 17th July with Amazon through SBi internet banking but both of them failed to generate the order at Amazon but the amount got deducted from the account. I logged 2 complaints[protected],[protected] and both of them got closed saying that I have to contact the merchant, Amazon. But Amazon says that I'll have to contact SBI to get this resolved. Please help, i do not know where to raise this issue now.
The customer has to just pay for the order and now the transaction fails, the customer is made to work hard again for his own money.

Transaction ids - IGALNWBFP1 (Rs. 1984)
Transaction ids - IGALNUYVD1 (Rs. 1984)

I ordered earphones though the amzon
Amazon said humse apka refund kr dia hai lkin Amazon ne Reference Id no .
Or transaction id provide kr di hai lkin abi tk bank ne mra refund bapas ni ki hai
Bank response ni de rai hai
Bank jake b problem btai unho ne koi b help ni ki 1 month ho gaya hai hume hunra refund ni mila hai abi pls help me

I have returned my product but the refund haven't received to me on my account also the maximum date gone

Hi Sir, I had a SBI Credit card 5 years back, I haven't used it much and last usage was clear after that due to some circumstances my phone number got changed its been 4 years now I tried so many times to block it or close but it did not happened, Now I keep getting calls and messages that I have to pay Rs 6000.
Need official help to settle this.
I can pay max 1000 for card charges but this 6000 is too much because I haven't use it at all.

Payment done but did not receive uc

Dear Sir.

I had a SBI Card outstanding which was 10 years old. Now I have send mail for settlement for which they have given prompt solution and and told that you have to pay Rs.4995.50 after getting the settlement letter. I have got a mail on 26th stating that you will get the settlement letter and pay before 1/6/2021.How ever I got the settlement letter on 6th Jun 2021 which says the validity of the letter is 31/5/2021. On further persuading the matter they have again asked for confirmation of settlement for Rs.5050/- for which again I given my consent. How ever I never got the settlement letter to pay and close the issue.

after perusing for some time now they told that the settlement letter will be given against my acceptance of payment of Rs.5095/- for which I have given my consent.. Till date I have not received my settlement letter and each time they are increasing the amount ( even though it is very small.

Request your intervention to settle this account. I feel SBI is unnecessarily dragging the matter for the reasons best known to them.

Every time I send a mail they are providing me a new service request number. The last service request number number I have received is[protected] dated 24/7/2021.

Once again request you to help in resolving this.

Regards

Shaju George
[protected].
shaju.[protected]@gmail.com

I have the order the product on 17.7.2021 and price 9599.00
This is the order id[protected]
I cancel this order .cancel order id[protected].
an so was the date- 18.7.2021 initiate the refund amazon. But not the credit to bank account.
Amazon refund id-RRN-ONUS20210719
So that I request my refund immediately bank account.

I have paid my electricity bill through amazon on 19 july 2021.But it got cancelled due to some technical issues.Amazon issued the refund and it was expected to come on 20 July 2021.Amazon gave me the reference id-613272.But the state of India erode has still not credited my money.
This is urgent please help me as soon as possible.

From SBI we received successfully CIF number but can't transaction

I Have ordered Safari RAY Voyage Polycarbonate Printed Hardsided Medium Luggage from Amazon of cost 2, 999₹ and I have returned and then Amazon costumer service have mailed me that amount is refunded on[protected], Amazon gave me a reference code-261061 . But bank name state Bank of India have still not credited my money.

This is urgent please help me as soon as possible, I have submitted my complaint before 10 days but still did not get any response, Iam lossing hope in you SBI.

Have ordered Safari RAY Voyage Polycarbonate Printed Hardsided Medium Luggage from Amazon of cost 2, 999₹ and I have returned and then Amazon costumer service have mailed me that amount is refunded on[protected], Amazon gave me a reference code-261061 . But bank name state Bank of India have still not credited my money.

This is urgent please help me as soon as possible.

SBI Credit card is not giving any option to disconnect my creditcard but charging annual fee. Please disconnect my credit card.

Credit card number cannot e shared online. Please call me back at [protected].

My name is Joseph and I had ordered "Fash Home International Cotton Solid Luxury Office Chair Towel with Tie Knots 500 GSM (Beige)" of RS. Amount 499 in Amazon on 16 July 2021 and on 17 July 2021 I cancelled this order due to personal reason. And on 17 July 2021
Amazon initiated the amount to my card but I still didn't get the money. Amazon sent this reference number 350513 and told me to fill charge dispute form but State bank of India doesn't have such policy. So
please kindly respond to this complaint it's very urgent. My card number is **** **** **** 1364
Thanks you sir

Shashank Tiwari and his team has collected the details more than 5 times and more than 30 to 50 calls in a month for this.

They are just messing the things up taking the residential address and now calling multiple time and wasting the consumer time and it is now causing the mental stress.

Nodal office is also not helping in this.is this e way customers are treated