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

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.

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.

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.

it was told to me by the SBI cards that there collection boxes are not working since i had a concern that i made the payment and it was not getting through on time. on this they told me that there collector will collect the same as drop box service of theres is not working properly since then i have made many payments and moreover they are unable to provide me any monthly statement and i ahve to proactively ask for it everytime not even there online statement reach without a followup from my side. recently i amde them a cash payemt of rs 5000 and unfortunately i am not finding my reciept and now i am recieving calls from the bank that they need the reciept number as the payment is not being reflected and may be the guy cam was not authentic. not only this when they said that they are sending there collector they never told that this servie will be charged and for every collection they were chargin me 64 rs which came into my notice very late as i was not recieving any statements. these charges were latter reversed.
i advise all the users of this forum to close your SBI card as there working is a total mess

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.

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 .

The customer service has been very harsh and has not been helpful. They are rude and often end up giving wrong information to the clients. For eg. I dropped a cheque in one of their ATM in Madgaon, Goa and the amount was not deducted from the statement. When I checked with the customer service they told me that they don't pick up the cheques from the ATM. Immediately I issued a fresh cheque and made the payment but my previous cheque which was lost by the ICICI bank people. . And when I call the bank they say that they cant help it. There were several other incidents like this. Same way i have only 5000 rs balance in my card they disturbed me like any thing and talk on phone very rubbish language, and send a person to collect the cheque my residence with out informing me, who had came to residence look like a drunk ed...

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

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?

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

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.

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.

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.

HI EVERYONE I AM VICTIM OF THIS CREDIT CARD LANDED UP PAYING DUES ALL OVER MY LIFE BUT NOT ABLE TO SAVE MONEY FOR MY FUTURE. HENCE DECIDED TO THROW ALL THE CC BY MAKING SETTLEMENTS, CAN ANYONE HELP ME OR SUGGEST ME HOW TO MAKE A SBI CC SETTLEMENT. IT WILL BE HELPFUL AND I WOULD APPRECIATE IF SOMEONE COULD GIVE ME THE INFORMATION.

I want to redeem my points of rewards of SBI cards but I am not finding any list of things available as per the rewards earned which on phone I was told to refer and inform by phone and take the reward prize. Will please give me detail on my Email address : milind_arsekar@yahoo.co.in

Worst service from SBI, I am holding lot of other credit cards with SBI. I was getting calls from SBI executives and asking free balance transfer for 6 months. One day I said transfer to my other credit card amount is 36000/-, they send the check immediately. Before 6 months I got the chance to go abroad, and dropped the Check in SBI credit card collection Box.After 6 months I got the mail from SBI, your debits are around 44000/- you have to pay, since that time I didn't check my savings account, I thought its debited from my account. I sent the reply I dropped the check , didn't check my account since long time, I have to call and find my account. In my account doesn't have any debited, then I said Its not my mistake, I dropped the check u guys mistake, its happened same situation earlier also and cleared the things ,but now I will pay original amount give me the confirmation mail, they are talking very goodly , then I said, when ever I will receive the mail for confirmation then only I will pay. After that I haven't receive the mail, I called so many times, its very hectic to connect SBI customer care and some times their executives says, they dont have control.

Since 2 months I am waiting for their mail...

Dear Sir

I wish to inform you that I am your credit card customer and I have paid your previous bill on time. But the current bills introdueced the late payment fee and this time we have also paid for Rs. 4000.00 vide our cheque no. 376920. So pls wave off the late payment fee on my two bills and confirm to me.

Best Rgds-Dilip

SBI credit card has very very poor service and cheating their customers I on three occasions sent the cheques were never credit to my account for obvious reason of charging me the late fee and the interest on my outstanding. And they have a racket of correcting cheque services and they charge 55 Rupees for collection of cheques. Once I tried that also and found that only 500 rupees out of 3000 rupees given to the representative. Not only this when I went to their drop box at New rajender Nagar ATM to clear my outstanding amount. I was advised by the security guard that this box is good for nothing already theft are taking place and some stole camera installed there too. BE CAREFUL with SBI credit cards.

I have received my SBI credit card before 3 months ago. MY CREDIT CARD no. is [protected] . The problem is, I have not received my PIN number. I have already made six complaints in customer care. My last complaint mas made at 14tgh of November 2007.

To,
The Marketing Executive
S.B.I Card & Payment Services Pvt. Ltd.,
DLF Infinity Towers, Tower-C, 12th. Floor,
Block-2, Bldg.3, DLF Cyber City,
Gurgaon-122002(Haryana) India Dated 05.12.2007

Sub: Full & Final settlement of SBI Card account in respect of Sanjit Kumar Ghosh
Due to non-operation of card No. [protected] immediately

Dear Sir,

As per our telephonic discussion had with your representative to-day morning,
(Your telephone number was [protected] which may please be noted for your record)
I the undersigned herewith wish to close my SBI card account immediately with
Full & final settlement and from to-day onwards I do not want your any insurance
Facilities whatever you are normally charged in a fantastic way in my monthly statement
of every months.

As per you, representative will come on 05.12.2007 for settlement purpose to me and I
Will pay the minimum amount after deducting from the rest amount of Rs.7954/-(the
Latest statement). Please note that I will not going to pay your ROYAL SUNDARAM’S
Health insurance policy premium for Rs. 1096/- as renewed by you.

Please let me know, without my knowledge and nor my acceptation how your department
are decided to renewed the same policy? It is your general practices?

Also please note as per our telephonic conversation had on to-day the minimum balance
Amount I will pay by three equal installments within 22nd. of every month.

After paying my three equal installments please stopped all the activities whatever you
are charged regularly.

I am enclosing herewith a statement showing my payment details to you.

Thanking you,

Yours faithfully
SANJIT KUMAR GHOSH
SBI CARD NO [protected]

STATEMENT SHOWING PAYMENTS TO SBI CARD ACCOUNT THE SBI CARD NO. IS 4 3 7 1 5 7 5 1 7 6 6 9 3 2 7 4 IN RESPECT OF SANJIT KUMAR GHOSH

Date of payment Cheque Number Amount to Rs.

[protected] 49.39

[protected] 382.35

[protected] 400.46

[protected] 1,097.51

[protected] 1,092.34

[protected] 1,087.94

[protected] 1,735.00

[protected] 2,292.89

[protected] 2,000.00

[protected] 1,000.00

[protected] 1,350.00

[protected] 500.00

[protected] 1,000.00

[protected] 364.35

[protected] 500.00
-----------------
Total Rs.14,952.19
==========

I do agree with all the above complaints. I hold SBI credit card. Even though I have not used the once but still I am receiving the bills. This information was discusses till Delhi branch, but still the result is same. They have provide me the card which is life time free then aslo asking for annual fees. I contact customer care, they forwerd my request. but in the next month i received fees with interest statement. That is useless. I have decided to take legal action on this case.

I had SBI Credit Card since 3 years back, due to some overdue they didnot issue further card - so I have at present no SBI Credit Card, inestad of that I am regularly paying their minimum dues everymonth till date. As a result, the amount which I have utilised from the Card, I have paid to them 10 to 15 times till date. I had talked several times with Customer Care and informed this matter but they didnot care me and asked me to pay regularly. I need advise from expert/welwisher what shall I do ? How long days I have to pay? Please give me reply in my mail ID dipakenator@gmail.com

Hi i have defaulter 3 credit card.Actually my brother use to pay for my credit card since Im a student.Now my brother has goone out of the country since last 2 years and would come after 5 years and now cannot pay the credit card bil.My name is in the credid card defaulters list.I m rady to pay the amount how ever it would take some time .Suggest what do i do

Your people had asked me that you hold sbi card & i said that idont have and your people said i am giving sbi gold credit card and tha verification has also been done through the phone & they said that i will be sending our representative to you to collect the necesary documents for the gold credit card.

Dear Sir/Madam,

My SBI Credit Card Account no is: xxxx xxxx xxxx 7661

I am holding SBI credit card. The call center executing called and gave wrong figure of my outstanding amount. However without crosschecking i made the payment to avoid late payment. later when i called the call center i came to know that i have paid Rs.3,000 /- extra again my outstanding amount since last three months.

In the last month statement of 3rd Jan 2008 still your are charging to me Late Payment fee of Rs.423.22 & Finance Charges of Rs.636.06 & 196.13 & 21.64.

I am giving payment regularly to you & I submitted cheque payment of Rs.5111.00 dated 22nd Dec 07 & Rs1500.00 dated 23rd Nov 2007.

Despite of regular giving minimum payment your bank is charging me regular Late Payment fee of Rs.460.53 & Finance Charges of Rs.216.04 & 327.92.

Your customer care repetitive accepted my point and he told this mistake happened in SBI card.

So I don’t want SBI card.

Last 4 yrs, I am using my ICICI credit card.I didn’t face any problem with ICICI still now.

I am using SBI card from past four year. They have a very bad rappo as well as very bad service. Nobody cares in the call center. Can anyone tell me when they are going to start the net login system? It used to work before 6-8 months but after that i dont know what happened? The site always hangs up just like the call center executives...

If this type of regular late payment is charging by you then I want to close my account with you if you cannot reverse Late Fee & Interest & service tax on it.

I found lots of time in my statement Late Charges due to mistake done by your end banking structure.

Pls do the needful in this case.

Regards,

Girish Porania
Ahmedabad.

i have recived my credit card 25 day s ago but i have not get pin number. it is very poor condition .

rajkumar

dear sir,
i am card holde no.[protected] of sbi.i make payment regulaly,in this regard i dropped a cheque amounting rs.4000. after 10 days of dropping cheque recieved call from sbi that payment has not been recieved by them and told me to deposit a minimum amount due.i deposit rs.2000 and ask them to tell me the fate already dropped cheque of rs. 4000.

to my surprise,when i recieved monthly statement dated 25.dec.2007 no such entries were recorded and instead of two unauthorized entries of rs.337.08 and 439.54 were reflected. therefore,i made call to customer care at 2:45 pm today. one sarabjeet kaur attented the call very uncurtiously. i request u to reverse these entries and send this customer care attendent to staff training school how to deal with customers curtiously

my amount is not proper in the statement. There are lots of mistakes in my account . some times amount due will be shown more.Iam totally confused and i even doubt that iam paying more amount please check all the amount due and balance that has to be paid and send me the clarified statement

PLEASE SEND ME ALL THE STATEMENTS FROM MARCH -2007
TO JAN 2008.MY CARD NUM IS [protected]

I have applied for "SBI Tata credit card" for 4 months back. Till now I have not received my credit card. I have given all details as they wanted.
My date of Birth: 25.06.1978.

Could you tell the reason for which it is taking too much of time?

Please return all my papers, if it takes too much of time.

Regards

i have been using the card for past 5 years. Of late i find many charges are thrust on consumer on various counts,cheating the public in the name of indias largest bank. For a card using national bank this type of chaeting is not fair. Every now and then account is debited for some protection plus insurance, or call for availing a loan or some suer suraksha. I am the vicrim of one such call of super suraksha. i am ending paying penalities for wrong information from the help desk . i am waiting for a suitable reply from sbicard and insurance ombudsman aswell.

Card No. [protected]
I have paid all my dues for SBICredit Card on 29th Dec, 07 by cheque o. 507503 Rs. 750/-. But unfortunaely total outstanding bill of Rs. 454.70 is raised against me. Further, some plan by name protection plus insurance is offered & charged in my card for which I have not enrolled. I dont want this card. On callin toll free no. no action is taken.

Please ratify.
Pramod

Sir, This is reg the out standing pending amount as per ur Sms dated 07-12-2007, & ur monthly statement bill dated 4 th Jan o8, A/C number [protected].
1. Ur SMS on the above date shows & conveys the balance as Rs 8846.47 /. And I have remitted by cheque dt 12 -12-07 cheque number 056387 of SBI salem Dadagapatty branch Rs 1000/ .

2. Your monthly statement which has been received by me on the above mentioned date shows that there is still a balance Rs 10, 605.19.
Kindly enlighten on this difference, both by mail & by SMS.

I have using SBI card for the last one year. I am holding an ICICI gold card for the Last three years with correct payment record which can be verified in CIBIL. I had very bitter experience by using SBI card from the first payment.

1.The first cheque dropped by me in the drop box of SBI card at palarivattom branch at Kochi was not recieved by SBI and the telecallers were using vulgur conversations by calling me and in my residence landline and saying that I have not dropped the cheque.
2.The cheque for Rs.3000 given against the minimum due of Rs.1214 was not able to be presented by SBI as the instrument was not signed and for the same I was charged Rs.918 by various breakups.
3. I have recieved a statement in January 2008 that I had drawn Rs.10000 in November 2007 and due to the same my credit card is suspended. The statement recieved in November and December does not show this transaction.
4.As per my records I have correctly paid all dues up to date till the last statement of December 2007 and now I have recieved letter that as an NPA customer my card has been suspended.

Now I have decided to move legally agaist SBI

SBI Card is the Worst Service giving card. My self having many bad experiance with this card. Now i cancelled the card, after i cancelled the card am getting the bill in proper time, prviously i never received any statement.

And now they are telling some pending is there, i closed the card 7months back.

Its a worst service provider

Dear Sir

I had got one airtel mobile card a few days ago having no. [protected] .Further when i came to know that the bill amt. for the above mentioned card will be deducted directly from my sbi card i deactivated the same card. hence i request u to not to deduct any amt. for the mobile card without my consent or my knowledge.

Thanking u with regards & please oblige.
AMOL WASATKAR

I`ve purchad a Ticket for Air Deccan on 2nd July 07 for Rs:3499.00 . through Clear Trip.com . Inthe Statement provided by the SBI, I noticed that there were two transactionfor the same amount .Immediatly I called the SBI Customer care , and they said that I need to fill a Disput Form and I did the same . It was sent by Post , courior and by email. I`ve made one of the payment on time as one of them was valid. I`ve made numerious calls to the customer care but they had no updated till Dec 15th. Finally I started getting call from Collection Agent. Than i got a reply on Dec 07 that the merchant bank was not ready to clear the same as it is too late.
I made calls and submitted the disput form well on time for them to take action . Each time I called the customer care told me that my complain is transfered to the disput dept.
Does it really take so long to work on the disput transection. its more than 6 month today and SBI is still working on my disput. I dont know what step should i take next. If u have any suggestion than please help.
one can reach me at [protected]

I am a gold card member of SBI credit card with one add on in my spouses name since year 2000. Till last October I had minor or no problems by using my card globally. I did two transactions at Bangkok and my problems started. First I was told by your end that the card was being blocked due duplicacy at Bangkok. I agreed. But I requested to send me the statement of the two transaction as I felt whatever transactions I made, the charges were too high and the conversion rate was also wrong. although through ECS every thing was cleared within due date but I made several requests to customer care to send me the statement for October 2007, but to no avail. surprisingly I was told that I agreed to send the statements on my e-mail address for which in fact,I never had a word with anybody of sbi card people, and hence I was not sent any statement from October 2006. also I never recieved any statement on my e-mail. Making it bad to worst and most surprisingly I was debited Rs. 28000/-(app) in the month of December 2007 through ECS from my savings account whereas there was no transaction as such. I contacted customer care regarding the same, and the answer was shocking that nothing was debited. I had to rush personally to DLF Infinity towers, Gurgaon, taking a casual leave from my works and with all necessary documents to show and prove the debit. One Mr. Sunny came to see me at reception and promised me to solve the matter within 2 to3 days. When nothing moved till 20th Jan 2008, I once again contacted cusomer care, for which they demanded bank certificate of ECS. the same was faxed on 23rd Jan 2008. Again no response made me restless and given a call to customer care for all the above problems. Now again I have been promised and to wait for 15 days. I am in delema what to do. My impression about sbi cards getting bad to worst day by day. Now the matter is pending in REMS department...lets see when sbi card people come out with an opology and refund of the money so that I consider to continue the same credit card or surrender it. The ball is in your court pals.

The big fact of the day... DON'T GO FOR ANY CREDIT CARD... IT IS PROVED AND IS A UNIVERSAL TRUTH NOW, AS YOU CAN SEE ALL THE LOGS ON THIS SITE... ONE DAY OR ANOTHER, IT IS GOING TO BE A BIG PAIN IN THE ###. BELIEVE ME YOU. I HAVE JUST LOST Rs. 30,000/- TO THESE CREDIT CARD COMPANIES. Debit card may still be OK. But one day it may also be like credit card. No guarantee. Regards.

Dear sir,
Ref :MQ0063520014131 Dated 26-12-2007
I shocked to learn SBI CARDS settlement cancel letter, I think this SBI cards find this way to earning money like that.
When I recd your settlement letter in march 2007 I was sure that SBI card is never ever think for his clients, but I trust yours Local executive officer and zonal officers meeting and talks, after Sbi cards got money 50,000 from me and cheating with me.
Till July to Jan 2007 I request many and many times to reverse I got only assurance and reverse promise letter from you instant of reversal.
Settlement letter of dated 13-02-2007 I received from SBI this letter on 23-03-2007.by hand,
I don’t now you terms and conditions, when I call on help line for this reply,you only look your payment there is no problem will face you.
because I am reputed and fair person I choose your settlement instant of legal fight
I am giving you details of settlement payment for your justice
7. Cheque of date 27-03-2007 Rs 13,000 clearing on same month
A. Chaque of date 30-04-2007 Rs 05,000 clearing on same month
B. Chaque of date 29-05-2007 Rs 08,000 clearing on same month
C. Chaque of date 30-06-2007 Rs 08,000 clearing on same month
D. Chaque of date 30-07-2007 Rs 04,000 clearing on same month
E. Chaque of date 31-08-2007 Rs 12,000 clearing on 07-09-2007 disowner
F. Re chaque on 11-09-2007 Rs 12,000 clearing on 13-09-2007 clear

You see I am paying by the time I can’t understand why I am fail in settlement if there is problem in point F, so I got notice from SBI cards representatives now we have local Accounts for clearing of your cheque. so your cheque will clear within one or two days. I maintain sufficient fund and I prove that. but some cheque on 07-08-2007 will clear before your cheque. unfortunate.
I request SBI cards just look my account all cheque are clear within one or two days the last cheque will present after long time.
Sir, payment systems SBI Cards is always not fair, many times calls from sbi cards that our server is down so give us post dated cheque and some times yours local agency failed, some time there local representative will change. time by times, there are many confusion in your call center.after I registerd do not call i recd Daily 8.30Am many and many re confirmation calls from sbi cards calls centers. many time misbehaving calls from sbi cards calls centers, there is no communication between there agencies. I am the person who punished from them systems. I have all the letters and records to prove you lots of mistake in my SBI account.
I think the SBI Cards finds short cut of Income,they are not interseted in thinking costumers faver.
In my meter I request you to kindly look after my account and guide what i do. still i am not recd N.O.C. of zero balance statement as per they promise.
If I not find justice from SBI Cards I will go for legal.
Thanking you,
Pramod verma
Jodhpur
Raj
settlement tr no: raj422007464892
SBI Ac No : [protected]