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State Bank of India [SBI] Complaints & Reviews

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Updated: Dec 17, 2025
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I
ISudhirSingh
from Bengaluru, Karnataka
Sep 19, 2018
Resolved
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Resolved

Address: 110018

This is regarding a loan I have taken from my SBI Credit card and when I foreclose it paying all interest and additional foreclosing charge they put me defaulter for that and it impact my CIBIL Score.

That doesn't make sense, I made payment on time and when I am closing my loan by paying all interest, why am I being penalised.

Representative at customer care knows nothing and cannot or should I say does not want to help.

It appears that there is no authorities who check where the penalty charge by bank to user is legal or illegal
Oct 29, 2018
Complaint marked as Resolved 
State Bank of India [SBI] customer support has been notified about the posted complaint.
Verified Support
Sep 22, 2018
State Bank of India [SBI] Customer Care's response
Dear ISudhirSingh, Apologies for any inconvenience caused. We would love to get in touch with you and address the issue, request you to please mail us your contact or card details at [protected]@sbicard.com mentioning reference number 71109 in your mail to enable us to address your concern on priority.
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    E
    Emi Rahmani
    from Delhi, Delhi
    Sep 19, 2018
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    I made a transaction of 9545 inr to aryabhatta college for my fees and got an email showing that my transaction was successful, but the college hasn’t received the amount.
    My transaction id is[protected]
    Kindly reply to the same.
    The amount was also debited from my debit card and shows online that the transaction was a success
    The college has a last date for fee collection and its important that my fees reach the college soon
    +2 photos
    State Bank of India [SBI] customer support has been notified about the posted complaint.
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      D
      Deeveshthapa
      from Dalhousie, Himachal Pradesh
      Sep 18, 2018
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      unauthorized transaction pg

      Address: Kangra, Himachal Pradesh, 176215

      Today 18 sep 2018 at round 9 pm i started getting sms of tnx with some "*octro inc g.co/helpp" with amount 449, 249, 29 etc. All txn below

      By debit card othpg[protected]google *services g.co/helpp 50.00
      By debit card othpg[protected]google *octro inc g.co/helpp 449.00
      By debit card othpg[protected]google *octro inc g.co/helpp 449.00
      By debit card othpg[protected]google *octro inc g.co/helpp...
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      M
      Mahesh Wathre
      from Indore, Madhya Pradesh
      Sep 18, 2018
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      Address: Jabalpur, Madhya Pradesh, 482001
      Website: SBI branch Shaktinagar Jabalpur 482001

      Myself M.K.Wathre ( SB A/C no . [protected]) visited Shakti Nagar branch (code 10532)Jabalpur on 17.09.2018 at 4.00 PM . I had issued two cheques oh Rs 199000/- each in favour of two Mutual Fund houses on 11.09.2018 . But even on 17.09.2018 the fund was not found transferred from my account as informed by MR . R.K. Agrawal Sr officer of the bank . I wanted posting of earlier transactions in my pass book but it was informed that posting is used to be done before 4PM ad I was late so I must come tomorrow .
      It is worthwhile to mention here that usually posting in pass books are done by an employee who is made to engage for multi other works of the bank and generally he is not able to perform the posting works efficiently and many times asks customers to come next day . I was trying for my pass book entries since a week but could not succeed. As advised by Mr Agrawal I visited bank on next day i.e. today on 18.09.2018 at 3.30 pm .It was informed that the person engaged for printing the pass books is ill since a week ( So Mr Agrawal on 17.09.2018 told me lie that if I had come before 4 PM I could have my pass books printed whereas the concerned person was ill on that day too .)
      The Mutual Fund offices asked me to contact Branch Manager SBI for knowing the reasons of not honouring the cheque amount . I asked Mr Agrawal regarding this he bluntly told me to contact branch manager next day as today he is on vacation . If Branch Manager is not in office the bank cannot deprive me of knowing such information which belongs to me only. when I asked about Complaint register that too was said to be unavailable .

      I am Sr Citizen of age running 70 years and my Savings Account in SBI is more than 42 years old . I was not expecting such type of behaviour from Sr officer of the bank that " Apke halla karne se kuchh nahin hoga .Jaisa ho raha hai vaisa hi hoga .No complaint book is available Jo karna ho karo "
      State Bank of India [SBI] customer support has been notified about the posted complaint.
      Sir, while completing my SBI internet profile, my date of birth was already mentioned, which is correct. but while submitting, it is notified that the format of month in my date of birth is incorrect. So, how can I update my date of birth and complete my SBI internet banking profile. Kindly help me via my mail - [protected]@gmail.com
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        P
        Premalatharajendran
        from Chennai, Tamil Nadu
        Sep 18, 2018
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        Address: 606603

        I have a savings account in sbi and amount of rs 10000 is deducted from my account. I have enquired, they told we have took it from ATM mistakenly and then you shared all the bank statement detials to manager and the PO in the branch. They coudlnt take action and it was around 2 months I'm going to bank and asking for updates. There is no resolution made and the amount is not reimbursed. Please do the needful
        Acct # is [protected]
        Contact # [protected]
        +1 photos
        State Bank of India [SBI] customer support has been notified about the posted complaint.
        I have requested online for EMV chip Debit card on dated 21Augst 2019 uptil now I have not received.
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          S
          Senthilsk1981
          Sep 18, 2018
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          Address: 560100

          Hi,

          there are below unauthorized transactions on my SBI Debit Card 478XX3147 from Google on 18-Sep-2018. I have blocked my debit card immediately. Here is the ticket number[protected].

          Request you to kindly forward this complaint to SBI Electronic City Branch.

          Thank you for using your SBI Debit Card 478XX3147 for a purchase worth Rs50.0 on POS [protected] at GOOGLE *SERVICES txn#[protected].

          Thank you for using your SBI Debit Card 478XX3147 for a purchase worth Rs990.0 on POS [protected] at GOOGLE *MeMe txn#[protected].

          Thank you for using your SBI Debit Card 478XX3147 for a purchase worth Rs310.0 on POS [protected] at GOOGLE *MeMe txn#[protected].

          Thank you for using your SBI Debit Card 478XX3147 for a purchase worth Rs65.0 on POS [protected] at GOOGLE *MeMe txn#[protected].

          Thank you for using your SBI Debit Card 478XX3147 for a purchase worth Rs65.0 on POS [protected] at GOOGLE *MeMe txn#[protected].

          Thank you for using your SBI Debit Card 478XX3147 for a purchase worth Rs65.0 on POS [protected] at GOOGLE *MeMe txn#[protected].

          Thank you for using your SBI Debit Card 478XX3147 for a purchase worth Rs65.0 on POS [protected] at GOOGLE *MeMe txn#[protected].

          Thank you for using your SBI Debit Card 478XX3147 for a purchase worth Rs65.0 on POS [protected] at GOOGLE *MeMe txn#[protected].

          Thank you for using your SBI Debit Card 478XX3147 for a purchase worth Rs65.0 on POS [protected] at GOOGLE *MeMe txn#[protected].

          Thank you for using your SBI Debit Card 478XX3147 for a purchase worth Rs65.0 on POS [protected] at GOOGLE *MeMe txn#[protected].

          Thank you for using your SBI Debit Card 478XX3147 for a purchase worth Rs65.0 on POS [protected] at GOOGLE *MeMe txn#[protected].

          Thank you for using your SBI Debit Card 478XX3147 for a purchase worth Rs65.0 on POS [protected] at GOOGLE *MeMe txn#[protected].

          Thank you for using your SBI Debit Card 478XX3147 for a purchase worth Rs65.0 on POS [protected] at GOOGLE *MeMe txn#[protected].

          Thank you for using your SBI Debit Card 478XX3147 for a purchase worth Rs65.0 on POS [protected] at GOOGLE *MeMe txn#[protected].

          Thank you for using your SBI Debit Card 478XX3147 for a purchase worth Rs65.0 on POS [protected] at GOOGLE *MeMe txn#[protected].

          Thank you for using your SBI Debit Card 478XX3147 for a purchase worth Rs65.0 on POS [protected] at GOOGLE *MeMe txn#[protected].

          Thank you for using your SBI Debit Card 478XX3147 for a purchase worth Rs65.0 on POS [protected] at GOOGLE *MeMe txn#[protected].

          Thank you for using your SBI Debit Card 478XX3147 for a purchase worth Rs65.0 on POS [protected] at GOOGLE *MeMe txn# [protected].

          Thank you for using your SBI Debit Card 478XX3147 for a purchase worth Rs65.0 on POS [protected] at GOOGLE *MeMe txn#[protected].

          Thank you for using your SBI Debit Card 478XX3147 for a purchase worth Rs65.0 on POS [protected] at GOOGLE *MeMe txn#[protected].

          Thank you for using your SBI Debit Card 478XX3147 for a purchase worth Rs65.0 on POS [protected] at GOOGLE *MeMe txn#[protected].

          Thank you for using your SBI Debit Card 478XX3147 for a purchase worth Rs65.0 on POS [protected] at GOOGLE *MeMe txn#[protected].

          Thank you for using your SBI Debit Card 478XX3147 for a purchase worth Rs65.0 on POS [protected] at GOOGLE *MeMe txn#[protected].

          Thank you for using your SBI Debit Card 478XX3147 for a purchase worth Rs65.0 on POS [protected] at GOOGLE *MeMe txn#[protected].

          Thank you for using your SBI Debit Card 478XX3147 for a purchase worth Rs50.0 on POS [protected] at GOOGLE *SERVICES txn#[protected].

          Thanks,
          Senthil
          State Bank of India [SBI] customer support has been notified about the posted complaint.
          The
          State bank of india.

          Respected sir,

          I went to take ''cheque book an paas book".
          My accound.kindly give me new cheque book an pass book.
          Thanks
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            L
            LATEST VIDEOS
            from Anupgarh, Rajasthan
            Sep 18, 2018
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            Address: 301414

            Dear sir,
            My name is hitesh kumar sharma sir mene STATE BANK OF INDIA ke OFFICIAL APP (SBI BUDDY APP) H जिससे MENE SBI BUDDY APP के DEBIT CARD SE MENE AMAZON COMPANY SE (1449) RUPAY की SHOPPING की थी BUT किसी कारण से MERA AMAZON COMPANY ने MERA REFUND (Amount- 1449)
            ISSUE KAR DYA THA JISKA REFUND REFRANCE NO H-75260828189021222192767
            Issue date - 07/07/2018
            H BUT VO MERE SBI BUDDY APP के WALLET ME CRADIT नहीं हुआ H (क्योकि SBI ने अपने OFFICAL APP SBI BUDDY APP के DEBIT CARD KO TEMPORY DISABLE KAR DYA H जिस कारण MERA REFUND AMOUNT CRADIT नहीं हो पाया है)
            SIR MENE SBI के COUSTOMER CARE से CONTACT भी किया H BUT VO MERI KOI BHI HELP नहीं कर रहे हैं MENE SBI की ब्रांच (मेला KA चोराया RAJGARH ALWAR RAJASTHAN) पर भी जाकर सम्पर्क kya but vo bhi koi help nahi kar rahe H

            SBI BUDDY APP KA REGISTERED MOBILE NO - [protected] H
            Sbi BUDDY APP KE DEBIT CARD KA LAST 4 DIGIT H-- 7507 H
            State Bank of India [SBI] customer support has been notified about the posted complaint.
            Sep 22, 2018
            Updated by LATEST VIDEOS
            Sir as soon as possible complain को solve karo
            As soon as possible wallet me Rupay cradit karo
            Sep 22, 2018
            Updated by LATEST VIDEOS
            Sir reply karo
            Sep 23, 2018
            Updated by LATEST VIDEOS
            Sir meri complaint को solve कर रहे हो या nahi
            Sep 23, 2018
            Updated by LATEST VIDEOS
            Reply to karo
            Sep 23, 2018
            Updated by LATEST VIDEOS
            Kitne days me complaint का solve हो jayegi
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              K
              Krishnakumarkk82
              from Delhi, Delhi
              Sep 18, 2018
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              Address: 560078

              Hello sir,
              I've car loan with sbi and emi is deducting from my citi bank account. For this month (Sep-2018) the emi is not deducted from the citi account. When i contacted with citi, they informed sbi not submitted the ecs clearance. This is very first time happening for 4 years. Could you please resolve the issue?
              Sbi car loan ac no:[protected]
              State Bank of India [SBI] customer support has been notified about the posted complaint.
              Unauthorized fund been transferred from by account. Details are as mention below.

              Reference No. IMPS[protected]
              Debit Account Number IMPS[protected]
              Credit Account Number[protected]
              Transaction Date 15-Jun-2018
              Amount INR 72, 483.00
              Status Success
              Reason Processed
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                P
                Prabhakaramc
                from Patur, Maharashtra
                Sep 18, 2018
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                Address: Solapur, Maharashtra, 413403

                Sir, i am an ex service man of army. I am granted 20% disability pension. But as per govt rule 01 jan 2016 disability rate 20% to 50% is 50%, 50% to 75% is 75% and 75%to 100% is 100%.

                Regarding this disabality pension rate our records amc lucknow issued letter datted 01aug 2018 to me and your sbi bank cppc belapur navi mumbai (Copy attached)

                May i request you please look in matter, i am suffering from financial hardship.
                My son is doing mbbs and daughter bams both demanding fees.
                Thanking you
                Your faithfully

                Ex prabhakar kashid
                Army no[protected]m
                [protected], [protected]
                +1 photos
                State Bank of India [SBI] customer support has been notified about the posted complaint.
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                  A
                  from Delhi, Delhi
                  Sep 18, 2018
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                  Address: Jaipur, Rajasthan, 302006

                  I have purchased a car worth rs. 6lakhs and taken car loan of only rs. 3lakhs from vaishali nagar, jaipur on this loan i am paying emi of rs. 9498 at the time of loan procedure, i have not been informed by loan manager about submission of rc book to the bank. And now they have charged fine of rs. 11800for not submitting rc book. During last 6 months i have not received any intimation mail /sms or call from bank regarding the same and suddenly they are charging me fine more than my emi. This is my hard earned money. I and my family are saving money and paying the emi. How can the bank be so careless abt the deducting the money without any intimation. Also spoke to bank manager, he was also helpless. Please get me back my hard earned money
                  Thanks
                  +1 photos
                  State Bank of India [SBI] customer support has been notified about the posted complaint.
                  Sep 18, 2018
                  Updated by [email protected]
                  Kindly solve the Issue as early as possible
                  My refund from amazone was not created in my sbi account but amazone has done refund by their side also they give me reference number
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                    A
                    Aamir95
                    from Sultanpur, Uttarakhand
                    Sep 18, 2018
                    Resolved
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                    Resolved

                    deduction of reward points

                    Dear sir
                    I have sent around 15- 20 mails to customer support regarding the deduction of reward points on 26 july 2018. But sir every time inside of resolving the issue they are just giving new complaint number with heading that your complaint is under consideration. It's about 2 month now, sir i have attached all the relevant profs that clearly shows the deduction of 940 points that i have not redeemed nor they get expired since i...
                    +4 photos
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                    D
                    DEBIPRASAD KHADANGA
                    from Mumbai, Maharashtra
                    Sep 18, 2018
                    Resolved
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                    Resolved

                    Address: Khordha, Odisha, 751003
                    Website: sbi.co.in

                    Date-17.09.2018 on the mentioned date i have done a deposite of rs 5100 by using cash deposite machine of baramunda branch at 2.15pm. While i proceed my deposite suddently this mach shows "this machine is out of service" and my transation was declined. But my money goes inside the atm and still my account balance not being updated. So... Plzzz help me... My contact number is [protected]
                    Sep 18, 2018
                    Complaint marked as Resolved 
                    they called me and resolved my complain with in 24 hr, very good response.thank u sbi team.
                    State Bank of India [SBI] customer support has been notified about the posted complaint.
                    Sep 18, 2018
                    Updated by DEBIPRASAD KHADANGA
                    plzzz help me
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                      P
                      Prakash2708
                      from Dimapur, Assam
                      Sep 17, 2018
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                      सर,
                      दिनांक 11 सितम्बर को मेरा बैंक खाते से upi के द्वारा 500 रुपया कट गए है (Transaction id.- upi/[protected]/reversal) उस दिन मैंने सिर्फ एक आदमी को 500 रुपया भेजे थे पर मेरा बैंक खाते से दो बर 500 रूपये कट गये है और जो एक्स्ट्रा बैलेंस कटे है उसके डिटेल्स मेरा upi एप (फ़ोन पे) में नही दिख रहा है सिर्फ मेरा नेट बैंकिंग में दिख रहा है मैंने अपने बैंक के कस्टमर केयर से बात किया था पर वो बोल रहे है की "आप अपने upi एप्लीकेशन के कस्टमर केयर से बात करे" और जब मैंने upi एप (फ़ोन पे) के कस्टमर केयर से बात किया तो उनका कहना है की आप अपने बैंक से बात करे, upi और bank दोनों के कस्टमर केयर मेरे कोई मदद नही क्र रहे हैं, अब मै क्या करू प्लीज मुझे बताए, मेरा मदद करे!
                      State Bank of India [SBI] customer support has been notified about the posted complaint.
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                        vanda carl
                        from Kolasib, Mizoram
                        Sep 17, 2018
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                        Address: Kohima, Nagaland, 797001

                        Just got a call 📞 from [protected] addressing himself as Rahul Agrawal from dimapur main branch old.He started by informing that my debit card is going to expire now and asked me whether I am interested to resolve the problem, then I replied him saying that I will contact directly to the bank.
                        He warned me that my Debit card will expire immediately and he is going to do that right now.
                        Please take against this fraud Mobile no.
                        State Bank of India [SBI] customer support has been notified about the posted complaint.
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                          baijukr
                          from Changanacheri, Kerala
                          Sep 17, 2018
                          Resolved
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                          Resolved

                          Address: Pathanamthitta, Kerala

                          I want to know the status of my SBI Life Swarna Ganga policy no [protected] which i surrended on 14 August 2018 through SBI Life Thiruvalla Br Kreala State.The above policy have taken from Jaipur, Rajasthan on 01 August 2014.Surrender receipt have been received by me on 14 Aug 2018.The branch informed me that my claim has been accepted, but the surrender value didn't credidited in my account yet.
                          Oct 25, 2018
                          Complaint marked as Resolved 
                          State Bank of India [SBI] customer support has been notified about the posted complaint.
                          Verified Support
                          Sep 19, 2018
                          State Bank of India [SBI] Customer Care's response
                          Dear Customer,

                          We acknowledge your concern. We request you to mail us your provident fund account number, date of birth and contact details along with the best time to call you on our official email address - [protected]@sbilife.co.in.

                          Since details shared in this forum are protected and not visible to us due to security concerns. Once emailed to us then please inform us here along with your email address so that our team can trace your mail and connect with you for further assistance.

                          Thanks & Regards,
                          SBI Life Insurance - Customer Care
                          Verified Support
                          Sep 20, 2018
                          State Bank of India [SBI] Customer Care's response
                          Dear Customer,

                          We are waiting for you to mail us above mentioned details on our official email address - [protected]@sbilife.co.in at the earliest so that one of our customer representatives can connect with you.

                          Since details shared in this forum are protected and not visible to us due to security concerns. Once emailed to us then please inform us here along with your email address so that our team can trace your mail and connect with you for further assistance.

                          Thanks & Regards,
                          SBI Life Insurance - Customer Care
                          Verified Support
                          Sep 21, 2018
                          State Bank of India [SBI] Customer Care's response
                          Dear Customer,

                          We are still waiting for you to mail us with earlier mentioned details on our official email address - [protected]@sbilife.co.in so that we can address your concern soon.

                          Since details shared in this forum are protected and not visible to us due to security concerns. Hence, once mailed then please confirm us here along with your email address so that our team can trace your mail and connect with you for further discussion.

                          Thanks & Regards,
                          SBI Life Insurance - Customer Care
                          Verified Support
                          Sep 24, 2018
                          State Bank of India [SBI] Customer Care's response
                          Dear Customer,

                          We have not received requested details till date hence, as per our company policy, we are closing the loop here. In case you need our assistance or wish to re-initiate the conversation, then please mail us your policy information along with detailed complaint on our official email address - [protected]@sbilife.co.in.

                          Since details shared in this forum are protected and not visible to us due to security concerns. Once emailed to us then please inform us here along with your email address so that our team can trace your mail and connect with you for further assistance.

                          Thanks & Regards,
                          SBI Life Insurance - Customer Care
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                            Dr-Mudassir Ahmad
                            from Ghugus, Maharashtra
                            Sep 17, 2018
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                            Address: 444107

                            Dear sir,
                            My name - jahiroddin naimoddin i am a exiting customer in sbi,
                            But, suddenly sbi excess charged my bank account, 12 times charged -295 in charged received mandate fail - 295 ×20=5900 and 1 emi advanced charged in my bank account.
                            Total amount charged - 5900
                            Please refund my amount in my bank account. My a/c no [protected]

                            Ifsc code-SBIN0000528

                            City - MURTIZAPUR (MAHARASHTRA)

                            Pin code - 444107
                            State Bank of India [SBI] customer support has been notified about the posted complaint.
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                              Nitinakuubakle9
                              from Agra, Uttar Pradesh
                              Sep 17, 2018
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                              Sir my name is Nitin Kumar from village sikanderpur post bansdevi thasil.. Nakur diss saharanpur U. P my sbi branch coad 6396 sbi lucknoti. Sir i am a gov servent .today i am vey sad because when i going to your branch for deposit or credit money a long line after see i return back to home i tell many times to you branch manager but not take any action. Onely one counter are available hear for credit and debit money so pls sir take a action for solving this problem .
                              State Bank of India [SBI] customer support has been notified about the posted complaint.
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                                Manikandan Selvam
                                from Annigeri, Karnataka
                                Sep 17, 2018
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                                Address: 638301

                                Dear Sir,

                                Yesterday Went to an ATM Center of a Nationalized Bank "STATE BANK OF INDIA" on 16th September 2018 around 9.30 Am and really got shocked by the Ambiance With Full of Dirt, Mudded and Hanging Dirt on CCTV Cameras.

                                1. No Security Guard Found
                                2. CCTV Cameras Covered with Full of Muds
                                3. Door only Half Closed ( Unable to Closed Fully)
                                4. AC Not Working
                                5. No Complaints register found
                                6.provided Telephone Number Not Working

                                Regarding this i tried Making a Complaint Call to the mobile number which is displayed on the same ATM Center but the Number is not a valid one, . Here with Enclosed the Photographs taken on the Site for your reference.
                                +5 photos
                                State Bank of India [SBI] customer support has been notified about the posted complaint.
                                Sep 26, 2018
                                Updated by Manikandan Selvam
                                STILL THE PLACE LOOKS MORE PITY THAN THE ABOVE PICTURES
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                                  J
                                  jacobian
                                  from Delhi, Delhi
                                  Sep 17, 2018
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                                  Address: Patna, Bihar

                                  Hello sir,

                                  Got a call from [protected] from sbi. He was asking my atm number for verification purpose. I warned him of filing a complaint for which he started abusing and said police would do nothing. Truecaller shows his name rakesh sharma from bihar. I called him back and said are you, rakesh sharma? He said yes and again i told him that i am going to file a complaint, for which he again started abusing and said that police will not able to do anything. I don't know whether this complaint will be heard, but an immediate action will be appreciated as so many people fall victim every day one of them was my friend. These people are fearless and have no fear of the law.
                                  State Bank of India [SBI] customer support has been notified about the posted complaint.
                                  Csp common service senter kholne ke liye branch ke seal or sign ki jarurat hoti he lekin menegar sir mujhe 40-45 dino se ghuma rahe he kabhi kehte me rvo baat karunga kabhi keh dete he abhi hamare yaha koi requairment nahi he jabki location me aa rahi he 2 vacances bataye kya karu mene[protected] ka toh petrol jala diya itne se kaam ke liye
                                  Apne khate SE pese widro nahi kar pa raha hu mera account 21/8/2018 ko open hua that jabki usme meri selry bhi as chuki h bank vale khte h ki aap ka khata authorized nahi hua h ye kab take hoga mera account no [protected] h
                                  Last day I am deposit some money into an SBI account... But unfortunately I want to refund that amount to my account..
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                                    M
                                    meeraksh
                                    from Jhansi, Uttar Pradesh
                                    Sep 17, 2018
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                                    Address: Jhansi, Uttar Pradesh, 284003

                                    I have taken loan from bajaj fin ser. Against a/c 4550cd35546788, 4550cd35546768 and 455ewc36687851 and it was paid fully and there is no pending amount even though bank is deducting ecs amount of rs. 295.00 and this amount has been deducted for 12 month. (295.00 x 12). My bank a/c no. Is [protected]
                                    Branch sipri bazar jhansi
                                    Ifsc code: sbin 0004566
                                    Pl. Resolve the problem and refund my ecs deducted amount

                                    Thanking you

                                    Ankita khare
                                    State Bank of India [SBI] customer support has been notified about the posted complaint.
                                    Plz refund amount

                                    non receipt of payment by merchant - Comment #3211557 - Image #0
                                    non receipt of payment by merchant - Comment #3211557 - Image #1
                                    non receipt of payment by merchant - Comment #3211557 - Image #2
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