State Bank of India [SBI]
India - 400021
SBI Online facilities are a completewaste of time. None of their sites, 'onlinesbi' and...
Hi! This is a totally disgruntled guy here who has suffered a lot after having paid all my dues to the worst credit card company I have come across-sbi cards and the worst set of people working for it. I have cleared my payment in the month of august 2005 and after all these years they send people home asking for a settlement. I hold cards of all major companies for the past 15 years and this has by far been the worst experience in this regard. I would request people to be careful when you are applying for a card from sbi becoz initially they are very sweet to you later they take the life out of you and your family.
Name of Bank : SBI Branch - Darya Ganj New Delhi-110002.
Purpose of Visit: Opening Saving Ac in the Bank and some Investments (Fixed Deposit, and in SBI Mutual funds and SBI Life
Date & Time of visit: 19/01/08- 11:30 am.
When I went to the bank I asked the person who were seating on the customer support counter. I asked him please give me the forms for opening the saving ac. he seemed to reluctant to reply me because he was busy in gossiping with his friend with a cup of tea, I again asked him could you please provide me the forms and details. Then very unwillingly he look at me and asked what you want I said I need the forms and I also want to know to know some details on investments. He replied me come on Monday I don't have forms, and today is no time I asked him what is the working hrs on Saturday he said till 1'o clock I said but right now is 11:45.
Then he replied take the form form guard, after a long marathon of talking finally I manage to got the forms when I come to him again for asking what documents you require and I also need some clarity on investments. He said what documents you have, I asked him what documents your require please tell me he then got anger and replied me you not have the complete documents I am sure I said no I have please tell me what documents you require. then he said if you have the documents then it will not use because the person who will take this documents is not in his seat and because it is almost 12:00 so the cashier will not take the money as well. His whole behavior now made me very disappointing and sad and I decided I will not invest or open any account in SBI.
But the whole incident make me understand why most of the person like private bank then a government bank and the reason of private banking is growing.
I had lost my SBI credit card no. [protected], on 17/06/07. I have reported the same with SBI call center on 19/06/07 through my office landline phone (copy of my phone statement enclosed with this complaint). When I reported the loss of my card I also enquired if there was any misuse of my card and I was assured that there have been no purchases made against my card during this period. So I had put a request to block my card immediately and I was assured that the card has been blocked that time itself. As a policy of SBI cards they record all the conversations made with the customer care executives and hence they should have the recorded proof of this conversation as well.
There was a misuse of my card worth Rs. 29185.50 between a period of 19/06/07 to 21/06/07, mostly between 20/06/07 and 21/06/07 (Copy of internet statement attached, this is what I have picked from their website). As I had already reported the loss of my card and blocked the same so I was not worried regarding the misuses. I was not even informed by the bank regarding these misuses and I believe they did not even bother to block my card at all. The card got blocked automatically on 21/06/07 because of misuse at the ATM with wrong PIN (that is covered in the copy of internet statement attached).
I came to know about this only by July end when I called SBI customer care to enquire about the outstanding balance against my card. Since then I have complained to SBI, sent all the information regarding the misuse multiple times but have received no response of any kind from SBI Cards.
Meanwhile I have been getting continuous calls from the SBI call center/recovery agents and they are forcing me to make the payments.
In order to avoid any unwanted situation with their recovery agents I have been continuously making the minimum payment against my card. I have been continuously trying to resolve the issue with SBI. But looks like all my efforts are going in vain as they have rejected my plea and are not giving any kind of response.
Now the pressure from the recovery agents has become unbearable for me and I want consumer court to step in and resolve this issue for me as I am levied with heavy interest every month by SBI as I am making only minimum payment as this is not what I am suppose to pay.
SBI cards collection agencies keep on calling even after settling the account and having a proper receipt towards settlement.
Customer service contacted, compliant launnched, no rsponse or action,
receipts copies submitted to local DSA, no response.
1 and half month of harassment over the phone.
I am holding my salary account in ICICI Bank.
I transferred an amount of Rs 10000.00 from my ICICI bank account , to my SBI A/c on 1st, Dec, 2007. The amount has not yet been credited to my account.
I informed the same to the ICICI bank customer care and was informed that the funds has been successfully transferred on December 01, 2007 with reference number 579355 to State Bank of India through EFT.
I was suggested to co-ordinate with the branch for further assistance. On 20th December SBI, Dhakuria Branch informed me in written that they have not received any such ammount.
Now it seems that I have lost Rs 10000 or some mistake or fraud on part of the bank.
The AVP,Customer Service
State Bank Of India,Card(SBI Card)
Sub:- Account dispute
Ref:-A/C No -[protected]
I may please beb allowed tyo bring following points to your knowledge. That, I had several correspondences through Email with your Manager ,customer Service in respect of above referred account which belongs to my son Sri Diptiman Mukherjee. Some disputes are still persisting which needs to be resolved for which your Manager,customer service advised me to contact yoyu.
In this connection you may kindly refer my earlier mail dated 17 August 2007wherein, all the expenditures against the above said account had been shown by me and I clearly indicated my disagreement towards the bill figuring Sr No 06 i.e. expenditure of Rs 16549 at Viswa Ratna Hotel , Guwahati. My experience says once a customer denies his bill then it becomes the duty of vendor to supplement the same with the help of supporting documents. But in this case the dealing was different. Instead of co operating me your Manager has started telling me the rules and regulation of VISA. I NEVER SAID THAT IT WOULD NOT BE PAID BUT,WE REQUIRE THE PROOF OF EXPENDITURE.Now I shall explain why such doubt generated in my mind which encouraged me to check all the bills from each clients.
(1)In a case against above referred account, in the statement of September 2007 Rs 61.80 has been charged for cheque collection. I immediately asked to furnish the details of cheque which was not possible because no such cheque was issued by my son. Same was rectified after two months after compounding the interest as per your Visa formula in a concealed manner without accepting their own fault.
Till such time what I have said that is regarding to my son;s account,now please come to my own account([protected]),which I gladly started because it was told by your agent that this is part of SBI. Initially your service was very good; your all activities were transparent. Your game started from September,2007.
(2)In the statement updated 12.9.07 the out standing amount shown as Rs 2880.55.I immediately protested and it was corrected to Rs 2348.82(refer status20.9.07).
(3)In another case against credit of Rs 6615 ,you charged pre-computed interest, Flexi pay processing fees etc(refer unbilled transition dated 12.9.07).When I shouted, this was rectified(vide your mail dated 21.9.07).
(4)In another case I paid Jeevan sathi .com Rs 1041 through credit card but my outstanding amount reflected as Rs1041x2=2082 i.e. just double the actual amount(refer status dated 2.121.07).To prove the actual expenditure I had to submit a copy of bill taken from Jeevan sathi.com.
All I have narrated above to show that it is your practice to charge excess bill and if customer remains silent you started mounting pressure on him , the same you started with my son.
To sum up the matter I once again want to mention that regarding the above referred account I cannot pay the amount if you do not show me the bill and voucher of Rs 16549.Another matter I think is required to be brought to your knowledge which is relevant and taken by your Manager to solve the dispute. In his mail dated 19 Oct ,2007 he send me local phone No 033 [protected]/3982 5772 to contact local payment Assistance unit. I tried twice but, unfortunately no one was there to lift the phone In his mail dated 20 December ,2007 he again gave another set of local number based at Bhubeneswar (I do not understand how Bhubeneswar could be the local office of Ranch) to sort out the problem. I immediately contacted your representative there(at 2.15 PM on 28.12.07) but he was too busy to talk to me. He assured me to talk to me afterwards which am yet to receive. This I am telling because there was all out efforts made by me to resolve the dispute but your office is not interested to solve it rather, there is a hidden intention to stretch it as far as possible to increase the interest part. I also want to mention you that I have paid excess amount and it’s interest as well as principal has reached to Rs 21293.87 and you have to pay it back if, you can not substantiate the claim of Rs 16549 by providing documents.
(T K Mukherjee)
F/O Diptiman Mukherhjee
CCL ,Ranchi 834001
I had placed an offer of Giordano wrist watch which was on sbi card offers .The receipt number is [protected].
Rs 399 has been deducted from the account but deals4all have not sent any mail regarding the same.The customer support of deals4all is not active and 24hrs busy.When called to main office they dont respond properly.Many a times they take mobile numbers promising to get back in half an hour but all in vane.Its almost one month finished from the date of ordering i have not recieved the watch as though.I had sent sent many mails to [protected]@deals4all.net but no reply.From a week im trying to call the numbers given by the customer care viz
please take this complaint seriously and get me justice.
Dear Sir / Madam,
This is to bring to your kind attention that, the bill of my SBI Credit card is totally unfair (Rs.8209.00 on 18 Nov, 2007). Because after getting the Credit card all I have used is -- I have bought only an Indigo Air ticket on 27.08.2007 for Rs.2874.00. After getting your card I've categorically denied several times to your health insurance offers by calling to your customer care. And the customer care did confirm me that, all the insurances offer were deactivated from my account.
But I did not understand why did you send me the bills with absurd amounts--- on 18 Sep, 2007 Rs.7092.96 instead of Rs.2874.00 and so on next months.......... on 18 October, 2007 and 18 Nov, 2007. I reapeat once again that I only bought only an Indigo Air ticket on 27.08.2007 for Rs.2874.00 by using my SBI card and so the billing amount on 18 Sep, 2007 was supposed to be only Rs.2874.00.
I called to your customer care several times to correct the billing amount and all the times they promised me to do that, but again there were no results. So, last time I called again to your customer care with the same request on 04.12.2007 and they took a new request no.[protected] and promised me to correct the billing amount and asked me to pay the basic amount Rs.2874.00, which I only used with your credit card. And on 05.12.2007 I have already made the payment of Rs.2874.00 through the internet banking of HSBC Bank.
In these circumstances, I beg your kind attention to correct my bill amount as much I have used and and unblock my card as soon as possible.
with kind regards,
SABYA SACHI PAL.
I have been a SBI card holder since a year, and i would say SBI is one of the worst banks i have dealt with. They dont know how to talk and behave with their customers. In one single day i got more than 5 calls asking me to pay the due and moreover they'll never call on time, they will delay for a month, after a month they call and ask for 2 months payment. I would request each and everyone not to deal with SBI cards or their banks. If you try im sure you would come to this website and lodge a complaint like me.
I was using SBI Credit Card, and found some discrepancies in the statements starting from the month of November 2006, which I voiced out in various mails to the company but with no positive response. This year (2007) in the month of May, after innumerous calls and mails, Mr. Harkesh Wahi, said to be Manager (who claimed to look after SBI Cr. Card Division in Gurgaon, Infinity Tower as well as Janak Puri, New Delhi branch) finally made settlement from the company with a total payout of Rs.20,000/- (I did got settlement letter from the Bank).
First installment of Rs.5,200/- cash (paid in the month of May 2007) and than five equal installments of Rs.2,960/-. The last installment has been paid in the month of October 2007.
Since the payout of my final installment, I have been receiving harassing calls from the representatives stating to make payments. It seems there is no coordination between departments of such a reputed Bank that even after issuance of settlement letter from one department, and even after getting all the cheques cleared from customers bank, the other department is not aware of it. It seems that a customer is just taken for a ride?
May I request everyone out there, helping the consumers rights to kindly help me out in this matter.
I have asked for any insurance with SBI Credit card and neither approved them when a call was made. But they have added two insurances to my card and are forcing me to Pay Rs.4500/- and for past 6 months I am trying to make them understand it is not my fault but now including all late payment and interest charges they are forcing me to pay Rs.8500/-. They have even went to an extent issuing a legal notice.
Though I am paying in time, for last two months I have been charged the late payment penalty.For the current month payment I have recieved the statement on 30th Nov.2007 and the payment due date shown on the statement is 23rd Nov.2007.So please do the reversal of previous penalties and current month due date for pament.
Sbi kolkata not deducting emi from last five months against home loan.
They can suddenly charged interest with actual emi.
A/c. No. [protected]
I Desh Raj Saini serving in the Army at present posted Jammu. I have Saving Account in SBI, Jammu Cantt(Satwari) since 08 Mar 2007. SBI Account No
I have received ATM-CUM-DEBIT CARD No [protected] received from SBI, Jammu Cantt.
I have lose of my ATM card my house. Please block my ATM-CUM-DEBIT CARD immediately.
Please issue new ATM-CUM-DEBIT CARD
My Correspondance Address
Naik/NA DR Saini
166 Military Hospital
I had orderd a Giordana watch as per the svheme offerred by SBI card. I placed the order on 5th Nov. SBI has billed me for this transaction. But I have not received the watch as yet. I contacted SBI customer support more than two times they gave me a number of the deals 4 all, but no one picks up the phone there.
SBI card cutomer support is alos not giving any help in this regard.
This looks like a fraudulant tie up that SBI has done with Deals 4 all.
Can my issue be redressed..
I am Ramesh R I used SBI credit card past 3 Years. Last month SBI gives online trading offer via...
I taken easy money draft (dd no. 939586. rs 10000) from sbi credit card. (card no:...4696) dated on 12/03/2007. I have not drawn that dd and sent back that dd to 'the remittance department,10th floar, dlf cyber city, dlf infinity tower, guraon-122002. through courier on 17/04/2007 through pafex courier (courier no: [protected]). but the dd amount of rs 10000 not credited to my account. since from april I made more than 500 calls to sbi credit card customer care department but my problem is not solved yet. sbi recovery department calling me regarding the payment. they are extremely rude and abusive and they are harassing me. every day I am getting more than 15 calls. they are keep on chrging the interest now due amount become 180000. I sent mail to manager of sbi credit card but no use at all. please help me regarding this.
Beware and record all happenings while making the settlements with SBI Credit cards, please don't agree to pay by cash by all means. Due to SBI poor services, i gave the intimation to close the card, but this was never done and no information from them, after few months i received a statement stating i need to pay 11,000/- for a transaction which i never made. On enquiring with sbi customer care i came to know that the card was not blocked and my account was not closed and this transaction had happened due to a theft in my home in which i had lost most valuables of me. as i was not in india at that time, i was unable to file an FIR at that time. On my return, when asked for the settlement amount for the transaction happened without my knowledge, they asked me to pay 20,725/-, then after 2-3 stages of negotiation, i agreed to pay 13615/- only tht transactional charges and its interest, excluding their expensive late payment charges for 6 months. I gave a cheque to them and when asked for the settlement letter, they promised it will be couried to my recorded communication address. But i seldom received any of such letter from SBI, when i tried to contact the SBI credit card officer, who himself claimed as manager to whom i have finalised the settlemnt was speaking as if he never knows me and my case. I then intimated this to [protected]@ge.sbi.com and other greviance nodal officers in chennai, for which i received no responses from any of those. Then later after 3 months i started receiving harashment calls from SBI collection department, To put a full stop to this issue i asked for the settlement amount for second time, this time also they told outstanding as 21,623/-. But They (Geetha(SBI-Timehouse, Rajaji road, parrys), Sunil (SBI-Timehouse, rajaji road, Parrys), said their bank is fair enough to offer an pre-approved amount of 11,000/- against the settlements, when i requested them to solve the issue legally, so that i could also get a chance to express the harshments and other things happened on behalf of SBI, then finally they asked for an settlement amount of 4,000/- for which i agreed , hoping to solve the problem. Then they asked me to come personally to SBI-Time house only with cash of 4,000/- and informed settlement letter will be given on spot of payment being made. I had a belief of them and went to Time house at 3PM for settling the issue, Geetha showed me the settlement letter in which Sunil, had signed in . then i gave the cash payment, she gave the settlement letter, when i was about to leave , she asked for the settlemnt letter saying she needs to take a photo copy for their evidences, i gave the letter back and she asked me to wait outside her cabin and told she will come in 5 mins. But even after 30 mins she never came, when i asked others, to my shock they told she already left the office at 5 PM. Then i refused to leave their center, and at 7 PM sunil(SBI-GE), came to meet me on my compulsion, he then promised me that this will be solved and i would receive the letter within 24 hrs of time. But this never happened and after that meeting, now today their same harashment calls continued after an sucessful year after that incident. I have all evidences, Including video recorded while sunil was talking to me and more than 30 emails i have written to [protected]@ge.sbi, have recorded their promise calls in my mobile, but of no use until and unless i initiate this issue legally, which will happen in shorted time. So beware of SBi while making your final settlements as most of collection agents are well trained culprits. Now today they told i have an outstanding of 21,635/-. I don't know how many times i have to make the settlement for SBI. Get the settlement letter first, mentioning the cheque number and always have the evidence of cheque cleared from your account.
Hi ..my dear friends
First of all we all must be very careful that "SBI" is no longer in the lines of credit card business. It has taken over or surrendered to the American banks like "GE" and "CITI BANK". They are using their crafty network to collect money and send rowdies to collect their dues. In the name of SBI thses banks are enxentign their tentacles every where.
As rightly pointed out by one of the credit card consumer forum president Rs 6000/- crores were earned by these credit card business only from Interest and service charges.
Further don't listen to them when they phone.
While, on record, banks refuse to admit that they’re aware that many recovery agents cross the line, off the record, spokespersons say using abusive language or threatening customers is the only option at times.
You please record those people vocie if oyu have a voice recorder. If you have digital camara taken those intrude your house or your any primises.
What you can do
If you’re harassed or intimidated on phone, tap the phone and get the local police to record a non-cognisable offence
In case of a physical assault, file a first information report
If the harassment continues and the police do not cooperate, approach a lower court and file a case under Section 190
The State and District Consumer Disputes Redressal Forum is also an option where consumers could file a case under the Consumer Protection Act, 1986, and ask for interim relief and compensation for mental harassment.
one of the recent vedict for credit card users view.......
THE State Consumer Disputes Redressal Commission, Chennai, has asked Standard Chartered Bank to pay Rs 20 lakh to a couple for deficiency of service. The bank has been given two months to pay the compensation to the complainants, Capt A. Ranganathan and his wife, Mrs Lakshmi Ranganathan.
In its order, the commission comprising Mr Justice A. Raman, President, and Mrs R. Vanaroja and Mr Pon Gunasekaran, members, said it found the claim of Rs 20 lakh as compensation by the complainants "quite reasonable considering the nature of insult and onslaught committed by the opposite party to the self-respect, dignity and honour of the complainants."
Action against recovery agents
If you are not a defaulter, and your bank, finance company, cell-phone operator is harassing you to extort money through recovery agents then follow these steps:
1) Note down the telephone number from where the call is originating.
2) Try to get the name of caller.
3) If he visits you personally, ask for his identity card of employment in the institution from which you have subscribed the services.
4) If he is not the employee of the institute, you have no liability to deal with him as you have no contract/agreement of service with him.
5) immediately complain in writing to the Senior Inspector of the police station in your locality informing the telephone number and the name of person.
6) Complain to the head of institution- like Chairman, Managing Director, CEO, etc. about the incident and their defective services.
7) Complain to the Banking Ombudsman, if it is a banking institution.
8) Complain to the Chairman, Reserve Bank of India, who is responsible for all the banks in India.
9) Enclose the copy of the police complaint when you complain to these officers.
10) Write to the media.
1) Recovery through agents is illegal.
2) Banks are not supposed to divulge your financial details and your address and telephone number to a third party.
3) Third party cannot represent your service provider for such crucial and sensitive information.
1) Do not give any money to recovery agents as you have no contract with them.
2) Give money to your service provider only against proper receipt.
3) If any recovery agent calls you to any place, don't go alone, take the police with you and get them arrested. Plain clothes policemen will accompany you if need arises. If there is any emergency, dial telephone number 100 and inform the police control room your location.