State Bank Of India [SBI] — wrongly charged on car loan - rc non-submission penalty

Address:

Gandhinagar, Gujarat, 382007

Hello,
My name is Sandip Panchal, having car loan account number:[protected].

First incident, somehow SBI did not deduct amount for EMI from my saving account even when balance was sufficient. Why is that so? And why would SBI charge me for system’s error?

Secondly, when I took loan, I visited branch multiple times and also the loan agent named Devraj (M.[protected], no one informed me about providing copy of RC book to the bank. But they informed me about sharing photo with car, which I shared.

Then when I was asked for photo of RC book, I provided on the same day. I provided the RC book photo to SBI, Infocity branch manager on whatsapp. Then after I again got call for providing RC copy, I checked with the branch manager and he confirmed to ignore that call.

Then one day I got a call from some SBI head branch saying that my account has been applied with two penalties for non-submission of the RC book and check out with the branch to initiate reversal process of the penalty as I already provided RC copy.

I visited the SBI Infocity branch, minimum 11 to 12 times.
Also please mind that every time the branch manager accepted that the penalty will be refunded.

But some time I got answer from the manager that the person who handles loan department is not available. Sometimes I got answer that the penalty will be refunded in two day. Then again I went and I got reply that it will be refunded in a week. And the same continued for 11-12 times. Today on 10th June 2019 I again visited the branch and I got answer that the old manager has been transferred and your penalty cannot be refunded! And still they are telling me to check again after a week. Seriously? It’s already been almost two months and my issue has not been resolved and no one is taking responsibility!

Why SBI making me remind that it is government owned bank! Have I made any offence by taking loan from SBI?
Check out below link which notes the same issue with others.
https://www.consumercomplaints.in/sbi-wrongly-charged-for-not-submitting-rc-book...⇄

Kindly provide me some responsible person’s contact.

Requesting you to do needful. As I do much hard work to earn the money, haven’t slept many nights for it and SBI cannot do such thing to me.
Waiting for reasonable response.

Thank you,
Sandip Panchal