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State Bank of India [SBI] Complaints & Reviews

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Updated: Dec 17, 2025
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State Bank of India [SBI] reviews & complaints page 277

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R
Ripan Deb
Feb 5, 2020
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Address: West Tripura, Tripura, 799014

To,
The branch manager
State bank of india
Sidhai mohanpur branch
Agartala, tripura west

Subject: charge dispute "refund never processed"

Dear sir

A refund of 1049 rupees was successfully processed on 21/01/2020 to my account. This amount should have been credited to my sbi account by now, but i have not received the refund till now.

I have called the state bank of india customer service and also emailed the state bank of india main branch all the details many times including the unique transaction reference number but nobody has replied or resolved the problem. No action is being taken

I have confirmed with amazon and they have successfully processed the refund

Kindly go through the charge dispute emails, locate the pending refund and follow the path back to amazon's payment processor to locate the refund.
+1 photos
State Bank of India [SBI] customer support has been notified about the posted complaint.
8207 for noc credit card this is my email address
[protected]@gmail.com
State Bank of India [SBI] Customer Care's response, Feb 6, 2020
Verified Support
Dear Amol Chougle, We are sorry to hear about the issue. In order for us to connect with you, please visit http://www.sbicard.com/email & share your contact or card details, along with your reference number: 266917.
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    Address: Coimbatore, Tamil Nadu, 641402

    A sum of rs 5.90 is deducted as dom surcharge/tips/rate diff dtd from my account on dated 7/1/2020 and 30/1/2020. When i call to sbi customer care regarding this problem they not take this as complaint and say that i need to go and ask in home branch. I asked the customer care as what the purpose of the customer care complaint desk is. There is no notice i get from sbi through sms/mail. They implement their own rules without any notice to...
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    khantasticsrk1
    Feb 5, 2020
    Resolved
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    Resolved

    Hi today i deposited money in my sbi savings account and i got slip mentioning 1 note retained for verification and contact branch manager now i am very depressed as i saw many people to run for this issue to solve and i want my money instanly back i deposited two 500 notes one note i got back and another gone in cdm machine but not reflecting in my account and i got receipt mentioning 1 note retained for verification
    Feb 23, 2020
    Complaint marked as Resolved 
    Got money back in account after 3 Buissness Days
    State Bank of India [SBI] customer support has been notified about the posted complaint.
    What is meaning of DOM SURCHARGE/TIPS/RATE DIFF DTD
    My money was debited 14000 swos and message came debit by transfer 14000 but I can't debit who debited I don't know plz my money want my account
    Laksh Patil's reply, Jan 23, 2020
    My money was debited 14000 swos and message came debit by transfer 14000 but I can't debit who debited I don't know plz my money want my account and iam not debited
    I do tranction on 5 Jan via Amazon...bt my tranction is not successfully...so plz my soul problem
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      iarpitbansal
      Feb 4, 2020
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      Address: New Delhi, Delhi, 110034

      Sbi kohat enclaves senior manager mr. Pramod kumar is a person who does not want to work, neither does his fellow colleagues do any work. Totally waste of time to visit this branch. No manners and no value of customers time.
      Date - 04/02/2020
      Time spent for getting passbook updated and submitting check book request form - 1.5 hours.
      I want better and accountable management be appointed at the branch that values customers time.
      State Bank of India [SBI] customer support has been notified about the posted complaint.
      I am not able to download or get statement through branch for my sb account from 1jan 2017 to till date kindly do the needful

      My Branch charged money money for hard copy but no transaction displayed before December 2018

      Sb ac no [protected]

      Vishnu
      I tried to add a credit card of sbi for transaction of myntra on paypal but it didn't add so i added my another debit card which is from diffent account in sbi and made transaction now money is deducted from both cards which are of linked to different accounts in sbi. Kindly look into the matter
      My Email is [protected]@gmail.com
      State Bank of India [SBI] Customer Care's response, Feb 6, 2020
      Verified Support
      Dear Customer, We are sorry to hear about the issue. In order for us to connect with you, please visit http://www.sbicard.com/email & share your contact or card details, along with your reference number: 266915.
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        harsh007007
        Feb 4, 2020
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        I sent 1000 rupees to my friend using phone pe application. Money was deducted from my account but wasn't credited to receiver account. Now i want to know that where is my money right now either it is credited to receiver or i want my money back to bank account.
        My bank ac no is [protected]
        Date of transaction is[protected]
        Utr no of transaction is[protected]
        I want to know where is my money
        State Bank of India [SBI] customer support has been notified about the posted complaint.
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          K
          Report
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          Address: PNB Housing Finance Ltd, D-2 Sector 3 Noida, New Delhi, Delhi, 110059

          Dear team,

          Sbi fraud credit card :[protected]

          I here by inform you that due above mentioned fraud credit card in enrolled in my cibil which is not belonged to me. I have never purchased any credit card from sbi. I have been following up for such request for the last 6 month since aug 2019. But still issue is not resolved.

          Would appreciate you as customer gesture, kindly look into this matter on high priority and remove this fraud credit card from my pan.

          I am working in financial sector and pay timely my emi and credit card payment but due to sbi bank staff careless, i am facing issues.

          Please support and resolve at earliest.
          State Bank of India [SBI] customer support has been notified about the posted complaint.
          Feb 04, 2020
          Updated by [email protected]
          Dear Team,

          SBI fraud credit card :[protected]

          I here by inform you that due above mentioned fraud credit card in enrolled in my CIBIL which is not belonged to me. I have never purchased any credit card from SBI. I have been following up for such request for the last 6 month since Aug 2019. but still issue is not resolved.

          Would appreciate you as customer gesture, Kindly look into this matter on high priority and remove this fraud credit card from my PAN.

          I am working in financial sector and pay timely my EMI and credit card payment but due to SBI bank staff careless, I am facing issues.

          please support and resolve at earliest

          Thanks & Regards
          KAMAL MALHOTRA
          M [protected], [protected]
          Money was Sent to me from Amazon but it is not visible in my bank but it has been several days but i have not received the money.

          fraud credit card enrol in my cibil of pan-akwpm1003f - Comment #3640939 - Image #0
          Blockage of acccount without any intimation...opened just 2 months ago
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            Somavarapu Sravani
            Feb 4, 2020
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            Hi,

            I opened sbi jan dhan yojana account stating that there wont be any charges. It is fine in the starting. Now for almost all transaction beyond threshold of 5, for almost all transaction it seems they are charging some where around 17.70. I transferred rs1 to other sbi account through sbi mingle, even for re1/- they charged around 17.70 which is ridiculous. For profit making they are charging customers without their knowledge. Unless we checked in statement, we do not know why amount getting deducted. Please provide awareness at banks only 5 transactions in online or through atm at sbi branches. We are losing our hardearned money as financial inclusion charges. Please think about people in villages who are illiterates trust nastionalised banks like sbi and do transactions.
            State Bank of India [SBI] customer support has been notified about the posted complaint.
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              V
              vinay@313
              Feb 3, 2020
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              Address: STREET NO-16,BALBIR NAGAR EXTN, New Delhi, Delhi, 110032

              Dear sir,
              Please find the new address proof attachment and change my credit card present address
              Credit cad number;[protected]
              Name; vinay kumar mishra

              Current address;
              House no-271/13 second floor, street number 16 balbir nagar extn
              Shahdra delhi-110032

              Please do the needful

              Regards,

              Vinay kumar mishra
              Mo no ; [protected]
              State Bank of India [SBI] customer support has been notified about the posted complaint.
              Feb 03, 2020
              Updated by vinay@313
              plz change my adress.

              Feb 03, 2020
              Updated by vinay@313
              Dear sir,
              please find the new address proof attachment and change my credit card present address
              credit cad number;[protected]
              name; Vinay Kumar Mishra

              current address;
              house no-271/13 second floor, street number 16 balbir nagar extn
              shahdra delhi-110032

              please do the needful

              regards,

              vinay kumar mishra
              mo no ; [protected]

              Feb 05, 2020
              Updated by vinay@313
              Dear sir,
              please find the new address proof attachment and change my credit card present address
              credit cad number;[protected]
              name; Vinay Kumar Mishra

              current address;
              house no-271/13 second floor, street number 16 balbir nagar extn
              shahdra delhi-110032

              please do the needful

              regards,

              vinay kumar mishra
              mo no ; [protected]

              I want to add my son to my savings account. I have been driving away from this for the last 3 months. Now all the papers are also complete, but, not adding my son to my account.
              Name-chhotey lal
              My saving account-[protected]
              Branch-sheeshgarh
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                Kathait21
                Feb 3, 2020
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                Address: Baurari,tehri garhwal, Uttarakhand, Tehri Garhwal, Uttarakhand, 249001

                The transaction dated 17-jan-20 11:40:25 through card ending 7574 has been declined due to 078-inopeerative account.
                Since i'm living outside my hometown where is my sbi branch sir i'm unable to go in there and file a complaint, my kyc documents are up to date, but still i a having this issue. So please sor kindly file my request
                Thanking you
                Amit kathait
                State Bank of India [SBI] customer support has been notified about the posted complaint.
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                  Aman Ashish
                  Feb 3, 2020
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                  To,
                  The chief branch manager
                  State bank of india
                  Sonhauli branch

                  Subject: charge dispute "refund never processed"

                  Dear sir

                  A refund of 1500 rupees was successfully processed on 28 November, 2019 to my account. This amount should have been credited to my sbi account by now, but i have not received the refund till now.

                  I have called the state bank of india customer service and also emailed the state bank of india main branch all the details many times including the unique transaction reference number but nobody has replied or resolved the problem. No action is being taken

                  I have confirmed with amazon and they have successfully processed the refund with reference no 309603 and 363157

                  Kindly go through the charge dispute emails, locate the pending refund and follow the path back to amazon's payment processor to locate the refund.
                  State Bank of India [SBI] customer support has been notified about the posted complaint.
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                    V
                    Valentine K Gilbert
                    Feb 3, 2020
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                    Address: Kattikat House, Maruvakkad ,Chellanam P O, Ernakulam, Kerala, 682008

                    My A/C no.[protected]
                    Dolorous Mariamma bk
                    Sir
                    24.01.2020 I made request for rs.20000 on ATM no.SIBG[protected]
                    the transaction No.being .but i got no money at all .At the same time the said amount was debited from my account.
                    I lodged a complaint on 27.01.2020 at the branch sbi thoppumpady.It was seen an amount Rs.20000 also has been debited from my a/c as cash withdrawal simultaniously.However the ATM withdrawal Rs.20000 has been reversed.I got a message on 31.jan.2020 to complain again for the withdrawal amount Rs.20000.Hence this complaint
                    State Bank of India [SBI] customer support has been notified about the posted complaint.
                    Feb 03, 2020
                    Updated by Valentine K Gilbert
                    Ifsc SBTR0000141
                    Feb 08, 2020
                    Updated by Valentine K Gilbert
                    Account debited twice for the same withdrawal
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                      pavan Aalva's
                      Feb 3, 2020
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                      Address: Ward no 19th Ambedkar Nagar.kunigal Tumkur.karnataka, Tumkur, Karnataka, 572130

                      Hi

                      This is pavan kumar at Kunigal my SBI account number with [protected] bedited INR 295 & 1519 with the name of COMDEN TOWN TECHNOLOGIES TR for DDR INSTALMENT as INSTALMENT this transaction is not authorised by me and I did not get any prior intimation about that transaction, I not even about that deduction of that both payments

                      Sir can you do an inquiry on this and help me get my money back
                      +2 photos
                      State Bank of India [SBI] customer support has been notified about the posted complaint.
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                        S
                        saay12
                        Feb 3, 2020
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                        Address: 560095

                        I ordered food from zomato on 27th january, and the complete order was wrong.

                        I asked them for refund they are saying that the refund is initiated i need to check with my bank as i will get it within 5-7 business days.

                        The rrn number is[protected]

                        Please i need my refund of 495 rupees.
                        The order was from big chicken restraunt, mysore
                        State Bank of India [SBI] customer support has been notified about the posted complaint.
                        Hi i ordered for refund of my zomato pro membership p please give me rs200 back .
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                          R
                          Rushikesh Pr.Patil
                          from Nagpur, Maharashtra
                          Feb 3, 2020
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                          Address: Miaj near walness hospital, Sangli, Maharashtra

                          Respected sir

                          I rushikesh patil having ac number [protected] at your wanless hospital branch (03461), miraj, maharashtra have complained regarding fraudulent transaction happened with me between 06/012/2019 to 09/12/2019 of rs.32000 through quikr website. When i came to know about the fraud i have informed the local branch office. The branch manager have told me to complaint to the police. As per instructions i have complained to the local police regarding the incidence and took their request letter for holding the transaction of the account where i have wrongly transferred the funds. The branch manager has taken my request and police letter with them but have not given acknowledgement of the complaint even after insisting on the same. Later i have been informed by the branch that they have lien the amount in the fraudsters account and they will try the said amount in my account once confirmation received from the other branch. After waiting for a month i have been again told by sbi branch to laudge fir with local police mentioning the ac details of the fraudsters with no commitment of my amount refund. Now the police are telling me that they have already given the letter to bank and they can't go beyond that. I have attached copy of letter of police for your referral. I am student and those funds are part of my upcoming semester fees. I am following the matter with local sbi branch but even after knowing the genuine need of mine they are harresing me like anything. Kindly help me in this regards and refund my rs. 32000 which are already on hold with sbi. I'm having great hopes with sbi nodal team. If i don't get any reply within stipulated time then i have to go ahead with complaint in rbi banking ombudsman which i want to avoid.

                          Kindly help me in this regard. I have attached mails for your referral.

                          Regards

                          Rushikesh prakash patil
                          Ac no -[protected]
                          Branch - walness hospital miraj
                          State Bank of India [SBI] customer support has been notified about the posted complaint.
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                            ganesh.sonawane07
                            from Mumbai, Maharashtra
                            Feb 2, 2020
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                            Address: Nav paunam dombivli east, Thane, Maharashtra, 421201

                            Hi Team,

                            I have account in sbi bank akole branch code 0116, 2 times they deducted money from my account with my intimation to me. I want to why and how you can do this???

                            And my card is blocked bocs i collected from branch, now i am in mumbai and after calling to customer care they saud i can get it unlocked from any of sabi branch, they dont want to help just said please get in touch with your home branch. Seriously then what is the use of nationalised bank if i need to go there just to nublock my card
                            State Bank of India [SBI] customer support has been notified about the posted complaint.
                            Feb 05, 2020
                            Updated by ganesh.sonawane07
                            Can i have any update on this???
                            My self Dashrath singh rajak, a/c no.[protected], my sbigen pai had done one time
                            (1) debit[protected] 500
                            Sbigen Pai β€” debit[protected] pai 500
                            So please sir try to return my amount which has been extra deducted.
                            Dathrath singh rajak
                            A/c no.[protected]
                            Ifsc sbin0003465
                            Mob no.[protected]

                            money deducted 2 time from account without information - Comment #3640037 - Image #0
                            gajendrarajak335's reply, Feb 1, 2020
                            My self Dashrath singh rajak, a/c no.[protected], my sbigen pai had done one time
                            (1) debit[protected] 500
                            Sbigen Pai — debit[protected] pai 500
                            So please sir try to return my amount which has been extra deducted.
                            Dathrath singh rajak
                            A/c no.[protected]
                            Ifsc sbin0000490
                            Mob no.[protected]
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                              Amar_7
                              Feb 1, 2020
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                              Address: 256, SHANTI KUNJ, KALAMBE ROAD, KIDGAON, TAL & DIST SATARA, Satara, Maharashtra, 415015

                              I have taken education loan for mba. For the same, i want to apply for interest waiver scheme/subsidy. I spoked the same with loan manager but he denied with it. My friends have opted have for the same and there interest on education loan principle have bene waived off. Kindly look into the matter and resolve the issue asap. Hoping for your supportive response.
                              State Bank of India [SBI] customer support has been notified about the posted complaint.
                              Haven't received refund yet from the bank as of zomato has initiated the refund.
                              So how long it is gonna take to get myoney back
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                                monaj@123
                                Feb 1, 2020
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                                Address: police colony itanagar, Papum Pare, Arunachal Pradesh, 791111

                                Dear sir,
                                From my mothers account no-[protected] branch itanagar, arunachal pradesh from 25-01.2020 to 29-01.2020 total rs48800/- (Fourty-eight thousand and eight hundred) is debit without any knowledge and permission.. It was without made any otp and atm pin went to home branch also but didn't get any solution from them so kindly check and resolve the mater as soon as possible because she is in full depression.

                                Name : manoj biswas s/o parul biswas
                                Phone:- [protected]
                                E-mail:- [protected]@gmail.com
                                +1 photos
                                State Bank of India [SBI] customer support has been notified about the posted complaint.
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                                  sunny sidhwa
                                  Jan 31, 2020
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                                  I had used sbi credit card but due to losses in business and unemployment could not pay the debts however the debts collection agency have started informing about my debt to wifes family they also reached wifes relatives home and informed them about the debts and then they also started telling my neighbors about my debt, i am going through mental stress, being a blood pressure patient it cause me health problems also. I am ready to pay the money however i need time however they can't do this
                                  State Bank of India [SBI] customer support has been notified about the posted complaint.
                                  Jan 31, 2020
                                  Updated by sunny sidhwa
                                  I had used sbi credit card but due to losses in business and unemployment could not pay the debts however the debts collection agency have started informing about my debt to wifes family they also reached wifes relatives home and informed them about the debts and then they also started telling my neighbors about my debt, I am going through mental stress, being a blood pressure patient it cause me health problems also . I am ready to pay the money however I need time however they can't do this
                                  Refund reference number-765025
                                  Regarding to amzone refund
                                  Please solve my problem as soon as

                                  informing about my credit card debts to neighbours and to my wife family - Comment #3640122 - Image #0
                                  " Due to technical problems we need to close this session.
                                  We regret the inconvenience."
                                  ERROE DISPLAY WHEN WE ARE DOING PAYMENT IN CYBER TRESARY GUJARAT...LAST MOMENT THUS ERROR DISPLAY PLEASE HELP US
                                  AND WHY THIS ERROR DISPLAY TALK WITH US AND UNDERSTOOD US WHATS WRONG GOING

                                  informing about my credit card debts to neighbours and to my wife family - Comment #3640127 - Image #0
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                                    bharat patel bhavesh
                                    Jan 31, 2020
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                                    Address: Piludara, 384380

                                    The amount of rs 2.36 is deducted as doom surcharge/tips/rate diff dtd from my account on 20/01/2020 and 31/01/2020. It is really unjust with the customer that how an amount is being deducted easily from the customer account without informing. This type of deduction is just like cheating the customer. So, it is requested that the purpose, for which amount has been deducted, may please be informed. Already your service so poor and you deduct this service charge, i think sbi has really poor service provider the amongst the other bank.
                                    State Bank of India [SBI] customer support has been notified about the posted complaint.
                                    Name : SENTHIL SARAVANA KUMAR
                                    BANK : STATE BANK OF INDIA
                                    BRANCH : ANAIYUR, MADURAI
                                    A/c NO : [protected]
                                    IFSC NO : SBIN0012764
                                    REGISTERED MOBILE NO :[protected]

                                    Please Stop & Return my All Debited Amount of Investment Intermedi

                                    im complaining about some amount deduction from my account - Comment #3639966 - Image #0
                                    My brother sent me 400 rupees on 14 September with upi reference number[protected] via paytm upi [protected]@paytm to my upi id [protected]@paytm the transaction is successful from the paytm and the remitter's bank and amount is still not credited in my state bank of India account. Please ask state bank of India to credit my amount as soon as .

                                    im complaining about some amount deduction from my account - Comment #3640090 - Image #0
                                    im complaining about some amount deduction from my account - Comment #3640090 - Image #1
                                    im complaining about some amount deduction from my account - Comment #3640090 - Image #2
                                    im complaining about some amount deduction from my account - Comment #3640090 - Image #3
                                    This is Sanat Saluja from kolkata, I had applied for Sbi prime credit card on 12th Nov, 2019 which till date I havent received still I am getting SMS which shows amount is due on my Sbi credit card.If i haven't received the card till date how my amount is coming due.Kindli look into the matter on urgent basis

                                    im complaining about some amount deduction from my account - Comment #3640103 - Image #0
                                    State Bank of India [SBI] Customer Care's response, Feb 4, 2020
                                    Verified Support
                                    Dear Sanat Saluja, We are sorry to hear about the issue. In order for us to connect with you, please visit http://www.sbicard.com/email & share your contact or card details, along with your reference number: 264344.
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                                      Jan 31, 2020
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                                      Complaint no:[protected]
                                      Card no:- [protected]
                                      My card is blocked since august 2019,.
                                      I have changed my contact no through sbi card website, and after that immediately call received your sbi customer service but he was not listened to me and blocked the card. After that i have called to sbi card customer service and confirmed all details but my card is not activated till now.
                                      I was write this issue to rbi also.
                                      I have also stopped to making payments of sbi card due to this issue but collection agents of sbi card are threading and misbehaving with me for payments and they are also not provide any resolution of my issue.

                                      However i have made 10600/- payment (7600/- paid in dec'2019 and 3000/- paid on 30/01/2020), but nobody is unblocking my card and not providing me any resolution.
                                      Collection guys are continuously call me and misbehaving and threading me for more payments, also they are visited my residence also and expoiled my reputation.
                                      Please help me out from this issue, me and my family are very depressed for this issue. Please intervention and resolve the same at earliest.
                                      My card is still blocked.

                                      Attaching mails from last 6 months follow up for your reference.

                                      Regards
                                      Saurabh gupta
                                      [protected]

                                      Complete mails given below:-

                                      β€” forwarded message β€”
                                      From: anshul gupta
                                      Date: fri, 31 jan 2020, 12:39 p. M.
                                      Subject: re: fw: fw: fw: fw: fw: fw: [interaction id:1-[protected]] fw: your sbi card payment notification_dispute for complaint no[protected]_card no [protected]
                                      To:,,,,,,,,
                                      Cc:,,,

                                      Dear team,

                                      Please intervention as i am continuously getting calls from collection person of sbi card and they are thread me for payment. However i have made a payment of rs 3000 by yesterday.

                                      Please provide me resolution i am continuously following up for this from last 6 month's. Collection guys are misbehaving with me on call and continuously threating me for payments. They are not provide any resolution of my query.

                                      Regards
                                      Saurabh gupta
                                      [protected]
                                      On wed, 29 jan 2020, 12:22 p. M. Anshul gupta, wrote:
                                      Dear rbi team,

                                      Request you to please intervention on the issue as today i have received a call from an collection executive name seema, she is threatening me and talk with me very bad language for pending payment.

                                      I am asking her that kindly unblock the card and waive the all unnecessary charges after this i will make full payment but she is not listen to me.

                                      Every day i have received these type calls and now i am very depressed. Collection guys are visited on my residence and threatening my family also. Due to this reason my reputation is completely exploit in my neighborhood, please help us.

                                      Please help me out to resolve this issue on top priority.

                                      Please intervention.

                                      Regards
                                      Saurabh gupta
                                      [protected]
                                      On mon, 20 jan 2020, 4:13 p. M. Anshul gupta, wrote:

                                      Dear rbi team,

                                      This mail is reference of trail mail query regarding of sbi card blocked since august 2019 and still issue is not resolved.

                                      I am continuously following up for card unblocking but nobody is responding since last 6 months.

                                      However i have made 3 payments in dec 2018 month, but still collection guy of sbi calling me and visiting my residence address for collection and treating me also for payment. I am asking him that issue is highlighted please resolve this issue as soon as possible and i will make full payment but he have not given me any resolution.

                                      I am asking several time collection and customer services executive that kindly provide the waiver of late payment, finance charge and other charge which was pertain to last 5 months but no body is replying me.

                                      Please intervention as i am ready to pay my august month bill which was approx 45000/- and i am already paid 7600/- in dec 2019 this will be deduct in august bill.

                                      As per my understanding my due amount 37400/-, if sbi team give me this bill and waive the other whole amount i am ready to pay.

                                      Please intervention and help me to resolve the issue as i am very depression and threated by sbi card team.

                                      Regards
                                      Saurabh gupta
                                      [protected]

                                      On fri, 27 dec 2019, 5:50 p. M., wrote:
                                      Dear mr. Gupta,
                                      Greetings of the day.
                                      This is with reference to your email dated december 23, 2019 and our subsequent telephonic conversation regarding your sbi card.
                                      At the outset, we sincerely regret the inconvenience caused to you in the matter highlighted to us.
                                      Detailed scrutiny of your card account reveals that due date for repayment was missed on several instances and there were partial / delayed payments too on the card account. Further, charges levied on your card account were unilaterally deducted by you while making payments and hence, further applicable charges were levied on the card account and follow ups were initiated to assist you in timely payments.
                                      Please find below the relevant details:
                                      Statement date outstanding as per statement payment received against of statement date due date
                                      11/08/2019 rs. 45, 517 nil 31/08/2019
                                      11/09/2019 rs 51, 620 nil 01/10/2019
                                      11/10/2019 rs. 54, 730 nil 31/10/2019
                                      11/11/2019 rs. 53, 575 nil 01/12/2019
                                      As you are aware, any charges on card account due to delayed or partial payments are based purely on terms and conditions of product offering. We always advise our cardholders to pay the total amount due by the payment due date, as per the monthly statement of card to avoid any charges or have the option to pay any amount between the minimum amount due and total amount due, to avoid late payment charges. However, finance charges do get levied in case the total outstanding amount is not paid. Same is communicated to cardholders vide monthly statement also.
                                      We would like to inform you that in case the payments are missed or payment of part amount is made, besides late payment fee, finance charges are also levied @ up to 3.35% per month on a daily balance basis (Balance includes opening balance and fresh purchases). This process continues till complete outstanding on your card account is paid in full. Hence, late payment fee and finance charges have been levied on your card account.
                                      Further, post credit of payment on the card account, the interest charges are applied on the balance amount, if any and thus, the payment starts revolving on the account. This is also applicable on all the fresh transactions made in the same month by the cardholder. This process continues till complete outstanding on your card account is paid in full.
                                      Please note that in case payment of at least minimum amount due is not received by the payment due date, late payment fee (Plus applicable government service tax) is charged as per the below-mentioned slabs:
                                      β€’ nil for total amount due from rs.0-rs.200;
                                      β€’ rs. 100 for total amount due greater than rs. 200 & up to rs. 500;
                                      β€’ rs. 400 for total amount due greater than rs. 500 & up to rs. 1000;
                                      β€’ rs. 600 for total amount due greater than rs. 1000 & up to rs. 10, 000;
                                      β€’ rs. 800 for total amount due greater than rs. 10, 000 & up to rs. 25, 000;
                                      β€’ rs. 950 for total amount due greater than rs. 25, 000
                                      We appreciate your concern and in our endeavor to resolve the matter amicably, we have reversed finance charges of rs. 1, 739.33 and late fee of rs. 950 (Plus taxes) on your card under request number[protected]. Credit for the same reflecting shall reflect in your next month statement. However, we are constrained that we shall not be able to provide any further waiver on your sbi card account.
                                      We may advise that as on date, an amount of rs. 51, 788.61 is outstanding on your card account and we request you to remit payment for the same at the earliest, to avoid any further charges.
                                      Further, we would like to share with you that collection follow-ups were done on your card as the account was past due. We have very strict code of conduct to be followed by our collectors and no company agent or employee is authorized to violate the same. However, we would like to apologize for the inconvenience that may have been caused to you.
                                      Please be advised that the information communicated to you through our representative was intended to keep you informed about the outstanding balance on your card account, in order to prevent any further charges being levied on your card account.
                                      Further, note that giving threats to commit suicide is not permissible in law and amounts to offence under relevant provisions of law under ipc. The company is constrained to inform the police authorities for the same accordingly.
                                      In case of any further assistance, we request you to click here

                                      You can also get easy access to exclusive services & account information with just a click on our website sbicard.com. You can now get response to your query within 24 hours. Introducing fast and easy way to raise queries online. To log any other query, please click here

                                      Download the sbi card mobile app to access self-servicing options on the go!

                                      Yours sincerely,
                                      Bindu bala
                                      From customer service head team – sbi card

                                      [thread id:1-scgjurb]

                                      β€” original message β€”

                                      _
                                      From: anshul gupta
                                      Sent: monday, december 23, 2019 11:05:43 am (Utc+05:30) chennai, kolkata, mumbai, new delhi
                                      To: #sbic customerservicehead; #sbic nodalofficer; #sbic ceo
                                      Cc: [protected]@rbi.org.in; cms. [protected]@rbi.org.in; [protected]@rbi.org.in; [protected]@rbi.org.in; anshul gupta
                                      Subject: re: fw: fw: fw: fw: fw: [interaction id:1-[protected]] fw: your sbi card payment notification_dispute for complaint no[protected]_card no [protected]

                                      Dear rbi team,
                                      This mail is for your intervention of issue which was highlighted by me on 12 august 2019 and said request is also raised on rbi complaint portal as well in december.
                                      After continuously follow up for 4 months now sbi is denied to waiver of levy and late payment charges these charges are due to my card was blocked in august 2019 and still not unblocked. Sbi is harrasing me from 4 months.
                                      Kindly intervention and resolve the issue as soon as possible.
                                      Regards
                                      Saurabh gupta
                                      [protected]

                                      On sun, 22 dec 2019, 5:45 p. M., wrote:
                                      Dear mr. Gupta,
                                      Greetings of the day.
                                      This is with reference to your email dated december 18, 2019 and our subsequent telephonic conversation regarding your sbi card.
                                      At the outset, we sincerely regret the inconvenience caused to you in the matter highlighted to us.
                                      Detailed scrutiny of your card account reveals that due date for repayment was missed on several instances and there were partial / delayed payments too on the card account. Further, charges levied on your card account were unilaterally deducted by you while making payments and hence, further applicable charges were levied on the card account and follow ups were initiated to assist you in timely payments.
                                      Please find below the relevant details:
                                      Statement date outstanding as per statement payment received against of statement date due date
                                      11/08/2019 rs. 45, 517 nil 31/08/2019
                                      11/09/2019 rs 51, 620 nil 01/10/2019
                                      11/10/2019 rs. 54, 730 nil 31/10/2019
                                      11/11/2019 rs. 53, 575 nil 01/12/2019
                                      As you are aware, any charges on card account due to delayed or partial payments are based purely on terms and conditions of product offering. We always advise our cardholders to pay the total amount due by the payment due date, as per the monthly statement of card to avoid any charges or have the option to pay any amount between the minimum amount due and total amount due, to avoid late payment charges. However, finance charges do get levied in case the total outstanding amount is not paid. Same is communicated to cardholders vide monthly statement also.
                                      We would like to inform you that in case the payments are missed or payment of part amount is made, besides late payment fee, finance charges are also levied @ up to 3.35% per month on a daily balance basis (Balance includes opening balance and fresh purchases). This process continues till complete outstanding on your card account is paid in full. Hence, late payment fee and finance charges have been levied on your card account.
                                      Further, post credit of payment on the card account, the interest charges are applied on the balance amount, if any and thus, the payment starts revolving on the account. This is also applicable on all the fresh transactions made in the same month by the cardholder. This process continues till complete outstanding on your card account is paid in full.
                                      Please note that in case payment of at least minimum amount due is not received by the payment due date, late payment fee (Plus applicable government service tax) is charged as per the below-mentioned slabs:
                                      β€’ nil for total amount due from rs.0-rs.200;
                                      β€’ rs. 100 for total amount due greater than rs. 200 & up to rs. 500;
                                      β€’ rs. 400 for total amount due greater than rs. 500 & up to rs. 1000;
                                      β€’ rs. 600 for total amount due greater than rs. 1000 & up to rs. 10, 000;
                                      β€’ rs. 800 for total amount due greater than rs. 10, 000 & up to rs. 25, 000;
                                      β€’ rs. 950 for total amount due greater than rs. 25, 000
                                      We appreciate your concern and in our endeavor to resolve the matter amicably, we have reversed finance charges of rs. 1, 739.33 and late fee of rs. 950 (Plus taxes) on your card under request number[protected]. Credit for the same reflecting shall reflect in your next month statement. However, we are constrained that we shall not be able to provide any further waiver on your sbi card account.
                                      We may advise that as on date, an amount of rs. 51, 788.61 is outstanding on your card account and we request you to remit payment for the same at the earliest, to avoid any further charges.
                                      Further, we would like to share with you that collection follow-ups were done on your card as the account was past due. We have very strict code of conduct to be followed by our collectors and no company agent or employee is authorized to violate the same. However, we would like to apologize for the inconvenience that may have been caused to you.
                                      Please be advised that the information communicated to you through our representative was intended to keep you informed about the outstanding balance on your card account, in order to prevent any further charges being levied on your card account.
                                      Further, note that giving threats to commit suicide is not permissible in law and amounts to offence under relevant provisions of law under ipc. The company is constrained to inform the police authorities for the same accordingly.
                                      In case of any further assistance, we request you to click here

                                      You can also get easy access to exclusive services & account information with just a click on our website sbicard.com. You can now get response to your query within 24 hours. Introducing fast and easy way to raise queries online. To log any other query, please click here

                                      Download the sbi card mobile app to access self-servicing options on the go!

                                      Yours sincerely,
                                      Bindu bala
                                      From customer service head team – sbi card

                                      [thread id:1-scgjurb]

                                      β€” original message β€”
                                      From: [protected]@gmail.com
                                      Sent: 16/12/2019 02:33:07 pm
                                      To: [protected]@sbicard.com
                                      Subject: re: fw: fw: fw: fw: fw: [interaction id:1-[protected]] fw: your sbi card payment notification_dispute for complaint no[protected]_card no [protected]

                                      Please call me now

                                      On mon, 16 dec 2019, 2:26 p. M., wrote:
                                      Dear mr. Gupta,
                                      Greetings of the day.
                                      This is with reference to your email communication dated 16/12/2019 regarding your sbi card account.
                                      We tried to establish contact with you at [protected] but unable to get in touch with you.
                                      We wish to share with you that we are still working on the matter raised to us and we shall update the status within 3 working days. Request your co-operation till interim period of time.
                                      We would like to share with you that collection follow-ups were done on your card as the account was past due. We have very strict code of conduct to be followed by our collectors and no company agent or employee is authorized to violate the same. However, we would like to apologize for the inconvenience that may have been caused to you.
                                      Please be advised that the information communicated to you through our representative was intended to keep you informed about the outstanding balance on your card account, in order to prevent any further charges being levied on your card account.
                                      Further note that giving threats to commit suicide is not permissible in law and amounts to offence under relevant provisions of law under ipc. The company is constrained to inform the police authorities for the same accordingly.
                                      In case of any further assistance, we request you to click here

                                      You can also get easy access to exclusive services & account information with just a click on our website sbicard.com. You can now get response to your query within 24 hours. Introducing fast and easy way to raise queries online. To log any other query, please click here

                                      Download the sbi card mobile app to access self-servicing options on the go!

                                      If you are not satisfied with the response, you can write to customer service head by clicking here or use the escalate button on the webpage. You will receive a response within 2 days.

                                      Yours sincerely,
                                      Aastha handa
                                      From principal nodal officer team – sbi card

                                      [thread id:1-scgjurb]

                                      _
                                      From: anshul gupta
                                      Sent: wednesday, december 11, 2019 2:51:06 pm (Utc+05:30) chennai, kolkata, mumbai, new delhi
                                      To: #sbic customerservicehead; #sbic ceo; #sbic nodalofficer
                                      Cc: [protected]@rbi.org.in; cms. [protected]@rbi.org.in; [protected]@rbi.org.in; [protected]@rbi.org.in; anshul gupta
                                      Subject: re: fw: fw: fw: fw: [interaction id:1-[protected]] fw: your sbi card payment notification_dispute for complaint no[protected]_card no [protected]

                                      Dear team,
                                      Still awaiting the revert of finance, late payment and other charges and also my card is still blocked.
                                      Kindly do the needful and confirm the same at the earliest, your collection guys are continuously therat me for payment. I am very depressed and definitely doing suicide if matter is not closed at your hand.
                                      Aside rbi team, please intervention else i will lose my life because i am very depressed.
                                      Regards
                                      Saurabh gupta
                                      [protected]

                                      On fri, 29 nov 2019, 3:28 p. M., wrote:
                                      Dear mr. Gupta,
                                      Greetings of the day.
                                      This is with reference to your email dated november 26, 2019 regarding your sbi card.
                                      At the outset, we sincerely regret the inconvenience caused to you in the matter highlighted to us.
                                      Please be advised, to address the highlighted concerns, your request has been forwarded to the concerned team to ensure the amicable resolution of the query.
                                      The reference number for your request is[protected] and we shall update you with the status of request within two working days.
                                      We would appreciate your patience and cooperation in the interim.
                                      In case of any further assistance, we request you to click here

                                      You can also get easy access to exclusive services & account information with just a click on our website sbicard.com. You can now get response to your query within 24 hours. Introducing fast and easy way to raise queries online. To log any other query, please click here

                                      Download the sbi card mobile app to access self-servicing options on the go!

                                      Yours sincerely,
                                      Aastha handa
                                      From customer service head team – sbi card

                                      [thread id:1-scgjurb]


                                      _
                                      From: anshul gupta
                                      Sent: tuesday, november 26, 2019 11:17:32 am (Utc+05:30) chennai, kolkata, mumbai, new delhi
                                      To: #sbic nodalofficer; #sbic ceo; #sbic customerservicehead
                                      Cc: [protected]@rbi.org.in; cms. [protected]@rbi.org.in; [protected]@rbi.org.in; [protected]@rbi.org.in
                                      Subject: re: fw: fw: fw: [interaction id:1-[protected]] fw: your sbi card payment notification_dispute for complaint no[protected]_card no [protected]

                                      Dear team,
                                      I am very shocked because your collection executive is visited on my residence for recovery. Unable to understand if my complaint is under investigation and i am continuously follow with sbi card team for early resolution.
                                      Mrs bindu bala was called me and take more time for reverting back to me. I am again asking you kindly stop your collection agents to call or visit my residence. This is really very harassed by you.
                                      Dear rbi team, please intervention my complaint is pending since august.
                                      Regards
                                      Saurabh gupta
                                      [protected]

                                      On fri, 22 nov 2019, 2:48 p. M. Anshul gupta, wrote:

                                      β€” forwarded message β€”
                                      From:
                                      Date: fri, 22 nov 2019, 2:26 p. M.
                                      Subject: fw: fw: fw: [interaction id:1-[protected]] fw: your sbi card payment notification_dispute for complaint no[protected]_card no [protected]
                                      To:

                                      Dear mr. Gupta,
                                      Greetings of the day.
                                      This is with reference to your email dated november 18, 2019 and our subsequent telephonic conversation regarding your sbi card.
                                      At the outset, we sincerely regret the inconvenience caused to you in the matter highlighted to us.
                                      Please be advised, to address the highlighted concerns, your request has been forwarded to the concerned team to ensure the amicable resolution of the query.
                                      The reference number for your request is[protected] and we shall update you with the status of request by 30/11/2019.
                                      We would appreciate your patience and cooperation in the interim.
                                      In case of any further assistance, we request you to click here

                                      You can also get easy access to exclusive services & account information with just a click on our website sbicard.com. You can now get response to your query within 24 hours. Introducing fast and easy way to raise queries online. To log any other query, please click here

                                      Download the sbi card mobile app to access self-servicing options on the go!

                                      Yours sincerely,
                                      Bindu bala
                                      From customer service head team – sbi card

                                      [thread id:1-scgjurb]

                                      _
                                      From: anshul gupta
                                      Sent: monday, november 18, 2019 5:18:49 pm (Utc+05:30) chennai, kolkata, mumbai, new delhi
                                      To: #sbic customerservicehead; #sbic nodalofficer; #sbic ceo
                                      Cc: [protected]@rbi.org.in; cms. [protected]@rbi.org.in; [protected]@rbi.org.in; [protected]@rbi.org.in
                                      Subject: re: fw: fw: [interaction id:1-[protected]] fw: your sbi card payment notification_dispute for complaint no[protected]_card no [protected]

                                      Dear team,
                                      I am still awaiting revert from your end, this query is highlighted on 12 august 2019.
                                      But not get any resolution from your side.
                                      Aside rbi team, request you to please intervention in this regard as i am really herrassed by sbi card team from more than 3 months back.
                                      Regards
                                      Saurabh gupta
                                      [protected]

                                      On fri, 1 nov 2019, 4:10 p. M., wrote:
                                      Dear mr. Gupta,
                                      Greetings of the day.
                                      This is with reference to your email dated october 26, 2019 and our subsequent telephonic conversation regarding sbi card.
                                      At the outset, we sincerely regret the inconvenience caused to you in the matter highlighted to us.
                                      Please be advised, to address the highlighted concerns, your request has been forwarded to the concerned team (On subject approval basis).
                                      The reference number for your request is[protected] and we shall update you with the status of request by 9/11/2019.
                                      We would appreciate your patience and cooperation in the interim.
                                      In case of any further assistance, we request you to click here
                                      You can also get easy access to exclusive services & account information with just a click on our website sbicard.com. You can now get response to your query within 24 hours. Introducing fast and easy way to raise queries online. To log any other query, please click here

                                      Download the sbi card mobile app to access self-servicing options on the go!

                                      Yours sincerely,
                                      Bindu bala
                                      From customer service head team – sbi card

                                      [thread id:1-scgjurb]

                                      _
                                      From: anshul gupta
                                      Sent: saturday, october 26, 2019 5:22:41 am (Utc+05:30) chennai, kolkata, mumbai, new delhi
                                      To: #sbic customerservicehead; #sbic nodalofficer; #sbic ceo
                                      Cc: [protected]@rbi.org.in; cms. [protected]@rbi.org.in; [protected]@rbi.org.in; [protected]@rbi.org.in
                                      Subject: re: fw: [interaction id:1-[protected]] fw: your sbi card payment notification_dispute for complaint no[protected]_card no [protected]

                                      Dear team,
                                      My card is blocked since 3 months back approx, kindly waive all finance, late fee charges because i have not used your card from last 3 months.
                                      I have changed my contact no through your website, and after that immediately call received your customer service but he was not listned to me and blocked the card. After that i have calked the to your customer service and confirmed all details but my card is not activated till now.
                                      I am ready to all dues except late, finance and other changes if any, as per august statement i am ready to pay which was approx 45000 or minimum 2600 approx.
                                      Kindly check and confirm me back at earliest.
                                      Dear rbi team, kindly interven on the issue for early resolution.
                                      I will go to consumer court also and do suicide if this issue is not resolved earliest because i am in depression and unable to handle the issue.
                                      Kindly call me on [protected] and ask your collection dept to stop the call me for any type of payment till the time this issue will resolved.
                                      Regards
                                      Saurabh gupta
                                      [protected]

                                      On thu, 24 oct 2019, 5:48 p. M., wrote:
                                      Dear mr. Gupta,
                                      Greetings of the day.
                                      This is with reference to your email dated october 17, 2019 regarding sbi card. We are trying to get in touch with you on your mobile ending with 4578 to discuss about your concern on sbi credit card; we are however not able to reach you.
                                      At the outset, we sincerely regret the inconvenience caused to you in the matter highlighted to us.
                                      We wish to inform you that as per the records, the card was blocked as suspicious activity identified on your card under the periodic review.
                                      Further, we have also tried connecting on your registered mobile number to confirm the attempt of the transaction. However, unable to receive the confirmation for the same.
                                      Moreover, as one time service gesture, we have reversed the below charges on your card account.
                                      β€’ finance charges: rs. 1, 688.87
                                      β€’ late payment: rs. 950
                                      β€’ over limit: rs.500
                                      β€’ residual charges: rs. 333.81
                                      Please be advised, the abovementioned charges have been reversed on the card along with the applicable taxes. Further, the credit towards the reversal would reflect in your next month statement.
                                      The reference number for your request is[protected].
                                      We would appreciate your patience and cooperation in the interim.
                                      In case of any further assistance, we request you to
                                      State Bank of India [SBI] customer support has been notified about the posted complaint.
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