State Bank of India [SBI] Complaints & Reviews

Sir,
I had taken a home loan at fixed rate at 8% from SBI in 2005.recently i came to know that my interest rate has been increased without any notice.How can any bank increase the interest(fixed rate) rate without any reason.They say it is because of RBI guidelines.Now what do i do?.It is giving me a financial burden.
please help
regards..
p r bhalla
[protected]

Dear Sir,'
I have a gold card of SBI .I have been paying my bills in time but the company is a cheater.They are imposing late fee charges & other charges without your maistakes.Read my letter:-


Attn:Mr.Ajay Bharti
Dear Sir,
I am holding an SBI Gold card no-xxxx xxxx xxxx 5130,since long.I have always paid my dues in time.Last time also I paid my bill in time,as it was dropped in the drop box at a location near my residence.The cheque was for 2444/-.
I got an SMS on 5th Feb 08' at 17:39 stating that I had an overdue payment of Rs.300.72,ignore if already paid.I just ignored it as this amount was not mine as I had already paid 2444/-on 15th Jan.(total amount before the due date- was 21st Jan.08').

On 6th Feb.in the morning I called up customercare & came to enquire as to SMS was sent by mistake? I was shocked to note that, as customercare informed that my cheque was not presented in the bank as there was some difference in the digits & words which I had wirttten.I was not sure,but still I requested CC executive that since I do not know about it thereupon he told me that we have sent you a letter also.I had not received any letter till that Time so I requested him that if that has happened I appologise if at all I made a mistake & you can collect another cheque or I can send it at any address he tells me.thereupon he told me that he will reverse my late payment charges.
In the same afternoon(6th feb.)I got a letter by ordinary mail signed by Mr.Manish Dewan(VP- customer service) dated 19th Jan.08'.The stamp of the company's on the envelope is showing the date as 21st Jan.No stamp of post office is visible on the envelope,has reached me 6th Feb,afternoon.In the same mail I got my current month statement also for which the due date is writen as immediate(which is normally around 20th)How come the letter was typed & sent before the actual due date????(I am keeping it for consumer court,if the need be)

I called up Customercare again as I was shocked to see the charges-The charges were-UNBANKABLE INVALID FEE-337.08,FEE-PAYMENT NOT RECEIVED BY DUE DATE-393.26,FINANCE CHARGES-137.56,INTEREST CHARGES PURCHASE-4.66--TOTAL-872.56.
I asked CC executive(name-Saurabh),to reverse all these charges as I had not done anything intentionally & I could pay the entire amount including this month's that day itself.He said only late payment have been reversed by morning executive & he can't reverse any other charges.I told him he could see my track record -he agreed that I always pay my dues in time.I asked him if I could speak to the Manager,after putting me on hold for a long time,his Manager (Name- Avinash) floor supervisor came on line.He was very rude to talk & told me he would not reverse any charges & I could withdraw the card if I wanted.He was rude to the hilt.I told him that I had 4 other cards as well & I did not need this card if the behavior of the people is not proper,he told me -do whatever you want to, but I will not reverse any charges.

Next day-7th feb.08,I got a call in the morning at 8.58 from[protected] a person name Manoj talked to me about the payment I had to make.I told him entire incident,he said he will call later after talking to his senior.
At around 12.38,I got another call from[protected],again for the payment.I was surprised I again told him the entire thing.This person name was also Manoj.He said he was not aware of the previous call as he was calling from collection department.After talking for about 18 min.He agreed with my point & said he would put a request to his senior for a reversal,but asked for the payment.I told him I can pay the cheque today for the last amount due as they told I had given an unbankable cheque.I told him to send someone to collect cheque for 2444/-.I also told him if they had persented the cheque to the bank(ICICI),they would have talked to me before bouncing the cheque as I am a premium customer of ICICI Bank & I could have corrected it.All the action they were doing now they could do it earlier also.He agreed,but told me that they will send their representative next day i.e.on 8th Feb,I even told him that I could pay it today thereupon he refused that- sir it will not be possibe,I will send the person tomorrow (on 8th Feb)between 10AM-1PM.I told him I will leave the cheque of the same amount with my wife.He even asked my wife's name as she would have the cheque next day.
On the same day i.e 7th Feb. after one hour of talking to Manoj,I got a call from my wife on my cell that a person had come to collect the cheque from SBI.It was again a shocking surprise for me,but still I asked my wife to ask him to wait for 10Min.as my office is nearby .I came back after 15 min.the person (Name-Lalchand- cell no[protected] was waiting for me.I told him how come he came today that too without any information.He told me that he did not know anything about my talk with company people,and he was instructed by the company a day before to go personally to my place to collect the cheque so he was doing his duty.
I gave him a cheque of 2444/- & took the receipt of it.I came to know that SBI cards has an office in Jaipur at Ganpati Plaza,MI Road,the number of the office is[protected].
Now from this detailed letter you could know many things-How come a letter was issued before the actual due date from your office(Due date was-21st Jan,letter by VP-Manish Dewan dated 19th Jan.08???
How come SMS was sent on 5th Feb.You could do so on 19th before writng a letter.Why cheque was not presented to the bank????Why all phone calls were made after 5th Feb???Why your person could not come before the due date for collection of another cheque????I always write my mobile no.on the back of my cheque.Why a call was never made to my cell if the cheque issued by me was unbankable???????????I have still not seen the cheque so I am buying your story(not sure about it myself).

I will pay all your dues & withdraw your card as I do not want to use a cheating company's product.
You have done all these things to charge all un-necessary charges,which is your sole motto otherwise a cheque could have been collected earlier or all the things could be reversed.

STOP CHEATING CUSTOMERS PLEASE!!!!!!!!!!!!!!


With Regards ,
Naresh Kumar Aswani,
111/445,Agarwal Farm,
mansarovar,Jaipur
[protected]
[protected]m)

My mobile no. for sms alerts in respect of thirdparty transactions is [protected] and not [protected] which is no number .my a/c no.is [protected] in rehari branch jammu where also my mobile no. is recorded as[protected] and is correct.In my internet a/c correction is required please.

SBI CARD No. [protected]

I remained as your card holder for about last 14 years and I am to inform for your kind knowledge that my card was expired on 11/2007, and no fresh card is issued to me so far. The matter regarding non issue of the card was informed on phone a fortnight back also and nothing is heard from you till this date. Kindly, transfer the excess payment remitted by me, as reflected on the statement dated[protected], to my A/C No.[protected], SBI, Ansari Nagar, AIIMS Campus, New Delhi. As you are aware, the matter is delayed considerably and even though I remained as your card holder since long utilized your services and paid for the same, the apathy shown is intolerable.


(SATHI MOHANDAS.)
C-201, Shree Ganesh Apartment,
Plot No. 12-B, Sector-7
Opposite CCRT, Dwarka,
New Delhi –110075.
Ph: [protected], [protected]

Dear Sir,

This has reference to release the maturity payment of IDBI flexi bonds. In this connection I would like to inform that I have deposited cheque no[protected] [protected] of Vijay Bank in State Bank of India at Palia Kalan Branch in 16-Oct-2007, but till date cheque is not creadited in our saving account from Vijya Bank.

It is requested to kindly release the payment against your cheque, which I have deposited in bank.



Bond Holder Name : Sandeep Katiyar
Folio number : 21IFB548646
Warrant no :[protected]

Dear Madam / Sir

Unfortunately I was a SBI credit card holder. They levied some unnecessary charges on my account and starting sending me mails and sms. So I paid Rs. 3500 to close the issue. I requested them that I want to forget the association with SBI Card so do not send me any sms or email or any statement. For which I was assured that i will not be sent any message from them.

But till date I am receiving mails and sms from SBI Card.

The number from which I received the message today is +91 [protected].

I have registered on my MTNL DND and I specially went to SBI Card website and register my self for the same DND there.

Still I am facing the same problem, which is disturbing my work.

My phone number is [protected].

Please take some action against these people.

thanking you.

I am Banti Chowdhury .I has a savings account in SBI Jadavpur University Branch. My account no is :- [protected]



On 27-12-06 I deposited an outstation cheque of Rs.3574 on SBI Jadavpur Branch. I use to regularly follow the account department for the concerned cheque. In reply they use to tell me that it will take some time. On this basis I waited for two months and asked the same to the accounts department. But the reply was same.

In this I met the manager of the concerned branch. He guided me to follow the accounts department only to get that cheque cleared. After this I came here in Chennai in the month of April and asked my younger brother to follow the matter. But it is also of no use.

I even send email regarding that to SBI Jadabpur (Email ID : 'sbi.[protected]@sbi.co.in') as well as to the "To The Manager,The Grievance Cell, State Bank Of India, Kolkata" ('sbihelpline.[protected]@sbi.co.in')

I didnot get any repply. Now I am hear to take action against it.

1. On 07.11.2007, I was offered Rs.56,000/- @ 19% p.a. on reducing basis. But, on the statement, interest was charged @ 19% p.a. on FLAT basis. I refunded a cheque No.201513 of Rs.56,000/- with a letter dated 30.11.2007, which was debited from my a/c on 04.12.2007. I also got my card cancelled.

2. Reg my problem, I contacted to SBI :-

26.11.2007 - Discussed with Ms. Mamta and Mr. Avinash.
30.11.2007 - Letter faxed with a cheque of Rs.56000/-
27.12.2007 - Discussed with Mr. Deepak (Complaint
No.NQ[protected]
21.01.2008 - Discussed with Mr. Prantik (Complaint
No.MQ[protected]
29.01.2008 - Discussed with Ms. Amrita/ Ms. Nilu.

All above only assured me to do the best. But, till now, no adjustment of Rs.56,000/- is made and there is no response from SBI. I am still waiting for my full & final statement.

I humbly request you to kindly arrange to do the needful.

with kind regards,

( ANIL SARYAL )
[protected]

Dear sir,
I am having SBI Credit card Visa bearing No.[protected]. I am a regular payee of amounts every month. When I visited Industrial Exhibition on 12th Jan.2008 conducted by Exhibition Grounds Hyderabad from 1st Jan.2008 to 15th Feb.2008 every year, I purchased Samsung washing machine WA 78 K1 from the company stall by SBI credit card at Rs.9000/- (Rupees nine thousand only ) at about 19.46.43 hours. The said machine was supplied by the Rajkamal Electronics Pvt Ltd Chikkadpally, Hyderabad vide their Receipt No.SR-3, Date[protected] RK/03/341113 Invoice No.158795 GSR No.231020 GP No.28976 SE AIIE vide Adv.Rt No.1075 dt.12/01/2008. While swiping the SBI card he didn't get the payment slip because the paper inside the machine folded. He did n't notice the same again he swipe the card but he did n't get the payment slip from the machine because of the same problem At the third time before swipe he notice that the paper inside is folded therefore he did n't get the payment slip then he set right the same and third time he swipe the card then only he got the payment slip. I signed on one payment slip only You can notice that the transaction is one not three. The said information was told to your customer care center when called me on phone for flex pay. I clearly said the transaction is one time and requested to make the statement accordingly and agreed the amount to pay in flexi pay. When I received my monthly statement dt.25th Jan.2008 received yesterday I surprise to note that the same transaction reflected thrice on the same date and same time within the fraction of seconds instead of one transaction i.e., Rs.9000/-. I therefore, request you kindly to delete two transactions i.e., 9000/- each transaction and total comes to Rs.18,000/- delete from statement of amount i., 41,409.35 and show Rs.23,409.35 and send e-mail to me so as to enable me to pay the said amount within the stipulated time. I am very sorry that thrice the call center people called me for flexi pay and I have already informed about the discrepancy of the statement they told me that the said amount will be deleted while preparing the statement Inspite of repeated requests made by me they put deaf ear. Please inform their by giving SMS on my phone Number [protected] regarding the deletion of amount the actual amount to be paid thereby I can pay the entire amount before due date. Sorry for inconvenient caused due to you error in the monthly statement. Kindly do the needful. Your services are very good in Credit Card arena in the country.
Yours faithfullu
Shanmukha Rao J
H.No.5-9-22/44/S.4,2nd Floor Opp.Rock Garden
Adarshnagar, Hyderabad-500063

Respected sir,
i am informing you that mr. sarat working as a generator contractor in state bank of india bukkkarayasamudram branch in andhra pradesh, here mr. sarat is arranged one generator in the stare bank for the cost of 12000/- monthly rental basis the disel and every thingis providing by the bank, he managed the manager and field officer and he is daminating the customers all customers are given the written complaint to the branch manger sbi and reported againist him to the zonal manager sbi tirupathi.But he is managing the official by giving bribes to them if any body required any type of loan first the person should meet mr. sarath he is the mediator between the manager and field officer, if you can imagine what is his status , this issue we already informed somany times to the sbi higher officials we are unable to get justification .
we humbly request you sir please enquyire and takje action againist him as early as possible.
thanking you sir,
your's faithfully,
nivas

Dear sir
I am not using SBI card for the last one year ,and without my concurrence you given my name to royal sundram insurance i have not signed any form regarding insurance but you are asking the payment for the insurance.
this year i am not reday to pay that.if possible pls repay the amount what ever i paid for the last year
because of thsi i am goint ot surrender the SBI card

chandrapragash

I GOGADA chandra mouli having acount ..........i gone to parrys sbi atm in chennaito collect rs 500on m[protected].but i was unable to withdraw( the slip shows -sorry unable to prosses) same day i gone to sbh atm and take mine state ment it swhowing already 500 withdrawn from same acount.after that i wthdraw only 500 rs from the same atm but it showing total on that day[protected] rs as total withdarwals but actual amount is only is 500/- i an my parnet barnch send a requst leter to sbi chenni branch manager till the date i did not get any confermachion from chenni branch so plz pross my requst as early as possible.........

SUB: BITTER EXPERIENCE WITH SBI CARD.

REFERENCE: SBI CARD NO. [protected]

Gentlemen,

This is to share an experience of what I should say "Bad Service" from SBI card. It all started with my request of an Easy Money Draft for Rs 22500=00 on 21.01.2008. It was told to me at the time of booking is that the draft will reach me within 7 working days. The draft was generated on 22.01.2008. But when it didn't reach me till 01.02.2008 I had called your SBI Card Helpline[protected] and requested for cancellation of the same vide. request no. MQ[protected]. Here, the 1st question comes is that if you are sending it through courier then don't you think 3 days is a good enough time to reach anywhere in India? Anyway, at the time of booking the cancellation request the person who took the request told me that I should not receive the draft in case it reaches me in between. Then I asked him how it has been despatched. That person told me that the draft will come to me either through Blue Dart or Overnite Express couriers. Accordingly, I had informed my family members not to accept any document of SBI Card coming through those two couriers. But I was astonished to see that on 04.02.2008 that draft came to me through registered post and naturally my family members received it unknowingly. Now my question is who is responsible for the whole incident? Why your representative misinformed me at the time of taking the cancellation request?
After that on 04.02.2008 at 10-40pm I had talked with Mr Sashank Kumar of your helpline. First of all I will tell that this person doesn't know how to behave with customers. That person tried to become oversmart and told me quite arrogantly that I need to send back the draft at my own expenses in order to cancel it. O.K. I agree, that may be your rule. But my question is why should I bother for a problem that is not created by me? I have serious objection on the way of his talking and when I was annoyed and said that I would rather close my account that person said" ok if you wish you can close it at this moment. Do you like to close it now?". Anyway the attitude that your people are showing is quite like the typical government employees. That person has taken my request for closure of my card account and the request no. is [protected]. Now, don't you think that the attitude of your persons is such that it seems SBI Card has enough customers and they don't need any more? My question is do you authorize such behaviour of your call centre people? If you authorize then I have nothing to say. But if you don't authorize then I must say that you are going to lose a significant amount of business in the near future because of such ill mannered employees.
Anyway, you can go through the record of my card account and think over whether you can really afford to lose such customers. But I would like to tell you people that don't think you are the only one credit card service provider and you are obliging us by giving the service to us.
I am also thinking over the option of going to the consumer court showing the callousness of your management.

Thanks
Arindam Mukherjee
8, Dr Sreenath Ghosh Sarani,
P.O. - Konnagar;Dt-Hooghly,
WB
PIN - 712235.
Phone - [protected].

I had an gold SBI credit card. The statement for this card was sent regularly before the due date by SBI and hence i was able to pay the outstanding amount on time.

But 3 months ago, i was given an option of changing my gold card to plantium card which i accepted thinking i would have more benefits.

After this, I was not recieving the credit card statement on time and i was not able to view it in the website of sbi either. Because of this i was not aware of statement amount and also the due date. And so i couldnot pay the money. Recently i got a statement which again is after due date has the outstandi ng amount double than what i actually spent with the credit card. Those are interest added.

Please respond to this as soon as possible.

Regards,
Shruthi

I have been investing through a SIP in SBI Magnum Taxgain Mutual Fund for Rs 1000 per month (Folio No[protected]. The money is paid through ECS debit from my ICICI Bank account every month (Rs 1000 per month).

However, there have been THREE debits totalling Rs 3000 in a single month (two debits of Rs1000 each on[protected] and another debit on[protected]. I lodged a complaint through CAMS Online but nothing has happened. I also wrote to them but till now nobody has responded. SBI doesnt seem to care once they have the investor's money!

By the way, the Grievances form in the SBI Mutual Fund website DOES NOT WORK! It keep asking for a Customer ID and I dont have one! Although I filled in the Folio number in the form, it gives an error when I try to submit the form.
What should I do next?

I received a call from SBI credit card section fron Chennai. They explained me about the conversion of card payement into easy monthly installment wih less processing charges. I received the call on the first week of January 2008. I was interested to that facility and i agreed that facility and after that i got a gonfirmation call from the confirmation department. Later i have not received any statemnt related to that and I called customer care people to know the status of the facility(EMI). But the customer care people said the offer is not reflected to my account. So i paid total amount at a time. I felt very inconvenient about this. This is the worst service of the SBI card. I do not remember the name of the customer cae people.

I wish to complain about an offer for Health Insurance thru Sundaram Finance Insurance. The offer was made over phone by the SBI Credit Card customer services dept sometime in October 2007. I was told by the telecaller that the documemts for availing the same would be sent by mail to my mailing address and only after I had filled in the same and returned it would I be billed for the same. The documents never reached me but all the same I was billed for the insurance in my Nov 2007 statement. When i complained to your customer service they informed me that the entry would be reversed. This was done in the NOv 2007 statement, but was reinstated in the Dec 16th 2007 statement, where I am debitted for insurance that I have never availed of. I am debitted to the extent of Rs.3189/- for a service I have never availed. My SBI gold card no is [protected]. I would like you to look into this complaint with all seriousness and solve the problem at the earliest.

hi sir/madam

i am Sanskruti S Kadam and from last 2 months i applied for axis bank credit card and and since than there is no response from your side so plz...do me a favour let me know that how much time it will take for the processing.

thanks
Sanskruti Kadam

My sbi card no is [protected] . I have received my monthly statement for the month of jan 2008. the statement is showing a transaction of 43,50.00 EUR with Trenitalia_ vendita o roma it . This is absurd. I have not used this card for the said transaction. I have been informed about other transactions made on this card. I therefore dispute for the said transactions. I am ready for all legal actions regarding settling these transactions because I have not done any. I also inform you that after settlement of these transactions I am going to surrender my card. I do not want to use this card any more.

The transactions have been done on the Add on card on name Mr.,vara raj.E the main card is the name of Esther Urmila. Kindly look into the matter and settle at the earliest.Esther Urmila. Card No. [protected]. H>no 3-4-74/1 lingampally kacheguda Hyderabad

SBI is the best worst customer service i never faced. The way representatives speaking and the way they try end the call all are very very embracing.One incident happend for me is i applied SBI card around 6 months and that was approved but till i didn't recieve any card. Over i am keep on calling and following customer service but i am sure that i won't be. It's a really very ery bad service i never never seen and experienced.