State Bank of India [SBI] review: very harsh and unhelpful customer service! 237

I agree 100% with the complaints related to SBI card service. I had similar issues with them a few years back. One of the recent one about their "Quality Service" . I purchased an Air conditioner using my SBI card. My credit limit is Rs.24,000/- I told my seller that I will pay the rest by cash while I use the card. He swiped for 24,000/- and it did not get through, he tried for Rs.20,000/- and it went thru again he tried for Rs.4,000/- it went through. I receive a statement in the next month that i have used excess to 24,000 and so they have charged me Rs.500/- as penalty or fine. This was a mistake in their SYSTEM and why should I be penalized?

NOTE: I hold the SBI card for over 8 years and they have not OFFERED to raise my Credit Limit i still have only Rs.24,000/-... maybe SBI POLICY for Older members, I wish to know more about their UNIQUE policies. However I receive a Phone call every week that I have been awarded or Picked up as one of their best customers for Approved Personal Loan... WHY? did i ask for it... VIP treatment... when I miss the basic services... I think SBI should refocus themselves... and treat their customers better if not well enough.

Chris.

1.I didn't receive statements for the past 2months.
2.Every time, the collection agent will make a call and ask me to hold the payment with me and they will come and collect the payment personally. But they wont come in that date. Then i will make a payment after that critical date. I don't know why should they make a call if they are not capable to come and collect...

Regards,
R.Balakrishnan.

In last December my SBI card was lost as per the rules I've informed to customer care and my card was blocked Immediately since I've not received my new card but few days back I got sms to pay SBI card bill of Rs. 842.7 with due date 06-nov 2007. Plz reply with details!

Thanks,
M.BaktiarHussain.

SBI card people simply punish the innocents. Without our content they act &later cause unnecessary troubles.

My sis had a SBI card , we used the card n started paying the EMI every month regularly but every month they use to charge purchase charges and no deduction on the net amount but just the amount was adding on, didnt apply for any medical policy but was forced in the bill when talk to the customer care was promised to be canceled but again the same thing in the next bill, I made payment or last 8 months and now I have stopped the payment an asked for a final settlement of the amount with all the deduction so its said I have to pay the entire 15000 not a single money is deducted , what should I do?

My newly issued SBI SPICEJET credit card has been wrongly spelt as VISWANATHANS instead of VISWANATHAN.S. The dot between VISWANATHAN and S is missing.

Please advise me how to get it corrected.

My credit card number is [protected]
Thanks and regards,
S.Viswanathan

We had settled the account by paying money, but they are sending the balance form. We had fully final settlement. Please check and reply to my mail .

I took loan of 16000/- from your self on 18/08/2007 as directed your executive to make the full payment and make easy installments. I agree and they sent me a dd of rs. 16000/-. Your executive specially told me that there is no other extra charges other than emi i.e.1573/- per month. I promptly make all the balance payments of your bill vied cheque no. 198553 dt. 31/08/2007 for rs. 16200/-. In guest bill I surprised to see that you have charges Rs. 52.27 as govt tax on loan amount and Rs. 70.37 as interest charge 0n cash transaction, when I make the full payment on 31/08/2007, there is no need to take cash advance interest, because that chapter is over of my payment of Rs. 16200/-. Now in August bill I saw against govt. service tax and cash advance charges i.e. 48.51 and 15.13 charges by your department. I once against request your good self to rectify these govt and cash advance charges and give me a credit of Rs. 128.28 in my account and in future please don't charges these things. This is my humble request to yourself. If your executives is told me these govt taxes I wold have not taken this loan. I once again request u to credit this amount of rs. 128.28 in my next bill. Thanks in advance.

I became member of SBI credit card around two years back and as per their calculation the credit limit offered for me was just 48000 and for my colleague whose earning is exactly same as mine was offered a limit of 76000.

When this was brought to the notice of SBI card issue group, their response was that they will contact within a day or two. But already two years past and yet they are in the move of contacting me.

Of course they are contacting me calling to my mobile stating that some offer is their about insurance, loan, etc., but when take the limit issue the will cut the line.

Fortunately I have not used this card yet and the card sent has got expired and they doesn't have the courtesy to send new card.
Not only this, even the standard chartered bank is also one of the worst credit card unit.

I request all not to go for these two cards, because by going for these cards you will loose your mental peace, sleep, money and you will be scammed.

Hope you all can understand by the looking into the problems of the customers.

I completely agree. I am planning to send a legal notice to their solicitors in New Delhi and am trying to collect as many people's complaint as possible. So if you are harassed by SBI then post your details here and we shall take it forward from there. I am determined in shaking SBI up.

Beware, before using SBI card in ATM machine. Only SBI penalize customer by charging 'ATM decline fee' @ Rs 60 (+VAT) per attempt, if you have entered wrong PIN.

Same is the case with me. I have complaint several times written as well well oral. But they are not sending the details. I am now planning to seek information through RTI. Then I will file a complaint case in consumer court.

###ing guys SBI Card is the best

YOU ALL ARE ###.SBI Card is the best...I have been using it since a long...U all are ### holes...Madurchods...You all are bloody stupids...

i was a satisfied customer of SBI card but i am in that city where i can not deposit the money and also i am not receiving the bill on the billing address. first i received the mobile message from the company but from the last 3 months i mam not receiving the message. i am trying to connect through web site but mostly the website is not going to open. i am fully disagree with the site of SBI i.e ; Sbi card.com, this site is not open. i want to see my bill and want to pay but where i see please forward this message and contact me with this mail. please send me the bill on the mail id if possible

Tilak Goyal

I have not been receiving my statement since last few months and there has been calls from the customer service to pay the outstanding which I used to make on ad hic basis but last month I made it a point to callers that unless I receive my statement I would not pay. Instead of statement I was surprised to receive aletter warning me of a legal proceeding. This month again no statement was received but i paid on ad hoc basis. Could someone please let me know my course of action ?

I am checking my SBI credit card transactions in online, but recently I could not find the pages in the site, I don't know why they (SBI CARD) are keenly interested in hiding the site from the customer. Very very poor... performance.. sorry for being a SBI credit card holder...

am getting sms stating some outstanding debit balance in respect of a Credit supposedly issued to me. I have never used any Credit Card of any bank what to talk of SBI the biggest commercial bank in India, profiting from every commercial venture pushing customer care in the dustbin. Every time I opened my mail box I have tried to see the bill/ statement annexed to the mail. But that requires the CR Card No, what I don't possess. I am a small customer, continuously maintaining my savings bank account with your gargantuan bank for last about 25 years now. Even after my retirement I have chosen SBI as my banker regarding pension. I shall be obliged if any one could verify what for this statement showing ever increasing debit balance is shown in periodical sms that are sent to me. One thing I wish to express here that since I have not enjoyed any of your services towards Credit Card I shall not make any payment in this respect unless you convince me with legally acceptable documents or you adopt the practice at times being followed by some Private sector banks by engaging muscle power for snatching money from me. Expecting some reply & thanking you,

sbi card offered me sbilifeinsurance 's sbi life super suraksha saying that the policy will reach me within a week but even after three weeks the policy papers did not reach me but they were prompt to charge it to the card

dear sir,
I AM STATE BANK OF MYSORE EMPLOYEE WHO HAS INFORMED IN ADVANCE ABOUT MY TRANSFER TO PONDICHERRY. KINDLY NOTE THE MAILING ADDREESS TO CORRESPOND OR TO SEND BILL. IAM VERY PROMPT IN MAKNG CREDIT CARD PAYMENTS.HENCE I REQUWST U NOT TO PENALISE WITH YOUR CHARGES AS MY STATMENT POSTED TO CHENNAI ADDRESS.

MY CREDIT CARD NO IS,[protected].MY DATE OF BIRTH IS 15-07-1956.

MY NEW ADDRESS FOR FUTURE CORRESPONDENCE IS
STATE BANK OF MYSORE
NO.23 CHINNA SUBBARAYA PILLAI STREET
PUDUCHERRY 605001 PLEASE NOTE AND WAIVE ANY CHARGES IF U HAVE DEBITED
WUITH WARM REGARDS

RAMKUMAR

I have recieved my SBI credit cards on 18-07-2007 bearing numbers [protected] and the other is [protected]. Which are to be operated by me and my wife. The problem is, i have not recieved the pin numbers inspite of several contacts. I regret and request you to please cancel my credit cards.

I am a SBI card holder, frequesntly I am viewing the online statement, but now a days I cannot, I do not why? your server behaves like.. Any please make it proper..

Card no - [protected]

Please ask your recovery agents to behave otherwise it will be difficult for you to survive in this industry as other banker are much more service oriented and courteous. The law abiding card holders should not be abused or harrased.

Sir,

Sub: SBI Card – Discrepancies in the Monthly Statement – Rectification – Requested – Reg.

Ref: SBI Card “Monthly Statement” dated 09.09.2007
-- -- -- --

Reference is invited to the ‘Monthly Statement’ cited on the subject mentioned above.

In this regard, I am to state that in my correspondence dated 05.02.2007, the original SBI Credit Card has been surrendered to your reputed Firm, since I am not willing/interest to continue, to be a member in the SBI Cards & Payment Services Private Limited.

Further, I am to add that the total outstanding balance as per statement dt.09.08.2006 stands Rs.6,191.24/- only and the entire amount has been remitted for stipulated time vide Cheque No.384168, dated 25.08.2006. Thereafter, I have neither purchased any commodities nor withdrawn any amount by utilizing the Credit Card. Hence, on my part no due is pending for settlement. The above fact has also been intimated by my subsequent correspondence made with you and also informed through Phone. But, your authorities concerned have been assured to me, in future any statement is not sent to my address.

Whereas, in the ‘Monthly Statement’ dated 09.09.2007, it has been found as if I have to pay a sum of Rs.1,559.68/-, through any transactions have been made by me and also surrendered my Credit Cards, vide my letter dated 05.02.2007. The present statement gives me much shock and mental agony. Hence, I have no other way except to proceed legally, if the discrepancies are not been rectified by your authorities concerned.

I hope and trust that the authorities concerned will take appropriated steps to rectify the error caused in this regard.

Thanking you,

Yours faithfully,

(A. DAMODARAN)

hi ,
u know u guys are not sending me my monthly statement thats the hard copy ,i do appreciate that u sms me on my cell,
but kindly do send me a statement and that to make sure it reaches me on time thats b4 the due date,not after the due date.

Thanx and regards
suminder singh sethi.

I had applied for the credit card of State Bank of India.then they provided me there credit card but I had never tried to use that than after specific period of time it was expired.But now the State bank of India renew that credit card without any priror information and accptance from my side they have courier that credit card to me recieved by my Mother which is not logical casue I am the credit card owner so how the courier boy can give that card to anybody.Credit card is very much confidential thing wich has to give the person conserend.

Respected Sir,

I have not received my renewed SBI Card till now. I have tried your previous request as your concren but nothing has done. So Please ensure that I receive my SBI Card as early as possible.

Reference No.- [protected]
Card No .- [protected]

Thanks & Regards,
P. K. Kar

Dear Friends,

Let me share a recent article published in TOI on dated 8th Sept'07.SBI has leased its brand name only to GE with royalty of 60% of profit rest of show managed by GE. Surprisingly to share they dont have any mechanism for customer redressal.

So, let me summarize SBI licensed GE private entity to rob its customer in the broad day light with the disguise of brand name SBI.

Regards.
Biswajit.
Victim- SBI CARD.

I have received my SBI credit card 4months ago, in my 1st statement they have sent me Rs 600+ bill. I did not made any purchase at all. I made a complaint against this bill to the customer service centre chehnai, when they called me for their services. till now i made only single purchase at petrol bunk worth Rs100/-. Due to the !st bill,which showed higher payment, i did not pay the bill. I again spoke to the CS centre and told them about my wrong billing, CS executive told we have recorded your complaint and will look into the matter. But till now i didnt get any reply or message regarding the faults made by SBI CREDIT CARD. Also they told that it is life time free card, but they have been putting high bills and sending me the messages to my mobile phone. I am not getting my statement regularly, unless my grievances are not cleared i would not be in a position to pay my bill 1st bill also.

The worst creditcard in world for GOOD PAYING CUSTOMER is SBI CREDITCARD FOR THE CUSTMER SERVICE. I regret to had it. The govt of india owned bank is working only for the employees, i have yet to see any honest and helping officer in whole of SBI.

THE BANK AND SBI CARD SERVICE DO EVERYTHING OTHER THAN HONEST BANKING. CHEATING TO THE CUSTOMER, THREATING/TORTURE/ ABUSING AND MISLEADING IS THEIR OFFICERS HOBBY.

Harassment calls from the Sales and Collections department, morning to night. Will not spare you even on Sundays.

Despite paying in full every month and never carrying forward a single Rupee, they insist that the amount has not been paid. Even after a stop payment advise to the bank, a registered mail with the new cheques to the Head Office, cutting the card into small pieces and requesting a cancellation of the card, no respite.

The calls simply go on and on and on. And they even call my mother and keep harassing her. Non stop. Nobody knows what to make of this because the office is in Delhi and I am in Bombay. So, they have a free pot shot at you and there is nothing you can do about it.

Thuggish ugly behaviour from SBI. Avoid their card at all costs.

I applied for a SBI gold credit card against my fixed deposit receipt and other documents... There was no response from sbi at all, no acknowledgment at all... nothing.

It is very shameful of SBI bank-malad west branch... i am truly disappointed!

SBI Cards...named for their worst customer service in the world. FOR GODS SAKE... PLEASE DO NOT GET SBI CARDS.

I requested them to cancel the card 6 months ago, but I keep getting monthly statements. I don't have to pay any payments as I haven't used their card after seeing these blogs in the site.

Recently I changed my mobile number. I started getting calls for every 15 minutes. For first week, I patiently replied that I got this number, please don't call. But these stupid guys keep calling every 15 mins.

I completely lost my patience in responding softly to those brainless stupids. Last I have to change my number again...

By reading this blog... at least now stop using SBI Card / do not go for SBI Card in your life time...

I have canceled my credit cards on 10 th may by calling customer care, but i receive monthly statements even though there is no due to pay from my side. I have received 2 months statements even after they said they have canceled the card.

I approached the bank and the bank people say we have to cancel the card by calling customer care. But do the bank people know that the actual way of canceling a card is by accepting the cards which are cut diagonally and acknowledge the receipt for that.

SBI did not inform me about the activation charges. But they are charging me Rs 500. If I know this earlier I would not apply for that card. Really I don't want that card also. while I called customer care they are irritating me.

SBI credit card customer service is a worst service in the world and it’s located in Chennai and Gurgaon (Delhi) who do not know English and they do not know how to speak to the customer. If we call for SBI helpline first they will act like taking complaints and they will act like anything at the end of the call they will force to buy some products like Balance Transfer, Insurance and Easy Installments. They are very good cheating peoples trained by GE, they never bother about customer’s problem simple they will tell we are taking complaint but finally customers will be the looser. Please do not loose anything will you calling SBI helpline.

They will speak like anything please does not buy any products through SBI helpline and also there is a big story behind SBI Credit cards. Actually GE is the total controller of this SBI credit card only thing they are using the SBI name and also GE paying some commission to SBI for using their name. In this deal SBI name going down and the Indian government as to take strong action against GE credit cards customer service people. The exact reason is GE wants to earn more profit that’s why they are forcing the customer service people to sell products through helpline.

By ,
One of the SBI credit customer.

I am very unhappy with your cards. I am much relived by surrendering your cards. Your administration is very rude. For petty amounts you have charged hefty amounts as penalty. Your mailing system is very poor. For eg your bill for Aug came after your letter to pay the money immediately or otherwise face the legal cell. The due amount is a petty sum of Rs.964.02.

Now I have paid Rs.964 thro a cheque. May be you will still send a legal summon for not paying Rs.0.02.

I have unnecessarily paid about Rs. 3000/- as Penalty, other charges, interest, and Protector Policy premiums etc., It is a waste. So I am surrendering my below mentioned cards. The Cards (each cut in to two) are enclosed herein.

Hi,

The SBI credit card is the worst one I have ever come across. Anything about them, their service, call center personnel... everything is the worst. I had not even signed a credit card application form and now i have phone calls coming in from all sorts of idiots asking me to pay the premium for some insurance policy. Every time when I explain to them that i have not even applied for this card i get the answer we will look into it. next day I will have some new guy calling me. Now the latest one is last week i got a call from someone who was saying that unless i pay the premium they will file a case against me. I would love to see where these guys are going to take things to. I believe something needs to be done to teach these guys a lesson.

When i got sbi credit card, after one week i received one demand draft of 5000 rs as a scheme... I sent it back to the address given by sbi card customer care executives b'coz i did not want 2 use that one then also since last 3 months i m getting 5000 rs as a purchasing amount in monthly statement. Even though i have not used that amount then how would i get these statements? Also i already paid monthly due b'coz of their mistakes... And also they r asking 4 the payments of which i have not used...in this way they r earning... They should update their systems... They r cheating people... If i'll not get the solution 4 my problem i'll take the help of police and customer protection cell. Alos if i'll not get the response then also i'll take strong action.

And i advise the people do not take cards of sbi. They r cheater no 1 of india...

I have the same experience .