State Bank Of India [SBI] — Unexpected EMI deduction WITHOUT any prior intimation

Address:	Hyderabad, Andhra Pradesh, 500006
Website:	www.sbi.co.in

Hi, I have taken Vehicle loan (Car) from SBI on Oct 30th 2016. I clearly communicated them to lock the EMI date on 10th of every month starting from December 2016, they said that's fine before delivering the vehicle. On 15th of November 2016 they called me and said the date for 1st EMI will be 25th November 2016 and also told me EMI should deduct before one month. So as I don't have option I said YES to them.

On 20th November 2016 there was a debit in my SBI account, when I asked them they said its 1st EMI. (who gave them permission to debit my account without my permission??? how can they debit customers account whenever they want??? I don't have any information until I saw myself in the netbanking)

I sent multiple emails, no proper response and NO one is ready to take the responsibility and No one has given me proper explanation as WHY THERE WAS A UNEXPECTED EMI DEDUCTION WITHOUT ANY PRIOR INTIMATION TO THE CUSTOMER.

After calling them and emailing them so many times, I got one reply saying that it was miscommunication between their employees (HOW CAN THE NATIONAL BANK CAN BE SOO IRRESPONSIBLE TOWARDS CUSTOMERS MONEY AND THEY CAN DEBIT THE ACCOUNT WHENEVER THEY WANT????)

In the email they said December month 2016 there will not be any deduction and they will adjust it with last month which they have debit unprofessionally.

I am following up with them since 25 days and NO they are not even responding to my email.

2) ON 10th December 2016 again they have debited my account. THIS IS TRULY UNPROFESSIONAL FROM SO CALLED NATIONALISED BANK.

I sent an email regarding the same to SBI, no response so far...

I need my money back and I have other commitments as well, bank cannot play with customers money, I request you to take this seriously and make sure I get my amount credited Immediately.

Below are the question which I sent them 25 days back:

Whoever concerned, answer the below queries by today EOD.

1) How it has been debited from SBI account when I did not gave any SBI cheque?
2) Why it has been debited in the middle of the month?
3) Why it has been debited without any prior Intimation?
4) If cheque gets bounce then will Saboo Hyundai will take the responsibility? Please confirm
5) How the EMI date has been changed suddenly without any information to me?
6) Unexpected/Sudden debit of customer account is of SBI norms? please confirm

Below are the details of SBI contact.

K Rajesh
Relationship Manager(PBs)
PF No.4480120
Dr. A S Rao Nagar Branch(04361)
Mob:[protected]
kommu.[protected]@sbi.co.in

Looking forward to hear from you.

Regards,
Naveen Kumar Akkinapuram