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

I have been applying for SBI credit card online, several times, and their customer care never contacted me. Very poor service!

I am using my company mobile and the same was used previously by someone else who has not paid the credit card payment for SBI. Their call centre guys are calling me every day for the past 1 month asking for that guy who has left the organization and we have no trace of him. I have explained this to everybody who is calling from SBI call centre patiently but again they call. I told them i will lodge a complaint and they laughed at it and said that "you can expect a call in another 10 minutes again".. I have never heard any credit card companies use this kind of language and behavior other than SBI.

Last 4 yrs ,I am using my ICICI credit card. I didn’t face any problem with ICICI still now. 4 months back only I got your SBI cards, Throuh SBI Cards representative. From day 1, I am facing lot of problem. Like(name misspent, Date of birth error, statement missing, unable to log call, unable to register in https://www.sbicard.com due to date of birth mismatch)

Without my acceptance and sign, SBI card has charged Rs.3583 for some SBI Life SuperSuraksha (Prem&Admn Fee)..

I didn’t sign anything for this insurance .I didn’t get the statement also.

One day some guy call me on my mobile and asked me to pay that balance, I have shocked. I called customer care lot of time .I didn't get connection.

After long try I got connection on 27th Jan. Through customer care guy only ,I come to know ,I have charged for SuperSuraksha. I told him, I didn't received any statement from SBI for the statement of DEC and NOV. That day I asked him, with out my sign and knowledge, how can you charged Rs.3583.

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

He told me that, he will place request to cancel that insurance.He request me to pay the min Amount. So I paid the min amount. (That month I have purchased around Rs500.). I apind Min amount Rs750

He told me that, SBI card representative will contact me with in a week. Still now, I didn't get any call from your SBI CARD regarding this. I tried lot of time, I didn't get connect your customer care.

At last one day I got conection,That time SBI Card representative told that “we can’t cancel this insurance now. With in a month we should cancel. Time is over now.”

But that time I didn’t receive any courier or intimation from SBI CARDS about this SuperSuraksha

I send several mail to the feedback.gesbi@ge.com,I didn’t get reply immediately. It took 2 weeks for one reply

With out my knowledge, SBI card has charged Rs.3583 for the SBI Life SuperSuraksha (Prem&Admn Fee)..

How can I pay? I feel bad about your SBIcard’s customer care.

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 broken my SBI cards and send register post to

Manager- Customer Services
SBI Cards,
PO Bag 28- GPO,
New Delhi 110001.

Again and again the SBI cards representative calling me and ask about balance. I am saying full story. Then they will say.” OK sir I will call you after 5 mins”. But I never get call after 5 mins.

But somebody will call twice in a week and ask the payment. I will tell same answer.

I too had such problems and I also hear that many are facing such problems. Do u have any idea for approaching consumer court for this. Something should be done to safeguard the interest of the public

A copy of email to SBI bank:

I am a credit card holder of your bank. Ever since i have got this card not even single statement is received by me. This is a very incompetent service provided by you. I received a recorded message saying my payment is due but did not conveyed how much and for what. My credit card no is [protected]. Arrange me a statement and clarification for any charges of extra penalties levied on my card. My mobile no is [protected]. Also send me statement and resister my mobile no. for mobile alerts.

Shashank S kulkarni...

I had Received the Card One Week Before. Two Days later i got a call from Chennai,they had given me a offer of balance transfer option and also a welcome offer. In that balance transfer option i had kept the transfer of 10,000 rs,they said they will send the cheque,and also a welcome offer of 8000 rs cash they said they will a DD in 3 to 4 working days.

But till now i din't recevive the Cheque and DD.i want to know whether u had send the cheque and DD or not.

Before Dispacthing the Sbicard i had call from Delhi that they r offering a amount of 5000 rs also they said i had to pay it after 30 days i said ok to them they they will send a DD of 5000Rs to my office address in 3-4 working days but till now i didn't receive any one of them.

Sub: Very poor quality of service

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.1,100 /- extra again my outstanding amount.

When i call the call center the executives are unable to understand and communicate in english. I cannot communicate in their regional language. When i was not satisfied with the call center executive and i told him the same i was shocked to listen from him ... "Sir you are rude and you are pissing me off and i am trying to help you but you are not understanding anything"... those were the exact words.

I don no what to do, but one thing for sure i know is to discontinue using SBI credit card. For that matter i have discontinued using all other credit cards too.

Any advice / suggestions?

Being my first payment i haven't received my account statement. I made a complaint to customer care stating that " block my primary card and send me new card " they have sent me another add on card instead of sending the primary card. Being a new customer it gives me a bad opinion. I believe that this wont happen in future.

I fully agree with the above complaints. people in SBI credit card processing centre are not even bothered to explain and talk very rough. Hell with SBI credit card.

They have collected all my documents and still yet to tell whether they issue card to me or not. All off them are rubbish people. I hate SBI working way. They need to recruit educated people.

Nobody in SBI is bother about their customer and majority of SBI employee's don't even know their internal work flow.

SBI is a cheat bank they have cheated me. I have a Silver card but i never asked for Insurance. In the very first bill they charged me insurance premium and going further for non payment of bill they continued to charge me non-payment charges which is now trice the amount of first bill.

I called up many a times to their customer care but every time it shows waiting of half an hour or one.

Now they have started giving up calls for recovery. I explained them the reason of non-payment but these stupid people say they are not going to help unless i pay the bill.

There is no way to contact them and writing to them is like a ###.They will never reply to our mails

I have been using credit card of sbi. I m getting insurance amount to pay every month, which i have not pd because when i contacted them they told me its optional. I had informed them that pl don't send me. Still they kept on sending the bill. Today i have recd. the bill showing my card is blocked but nobody has contacted from sbi card people and gave proper guidance till date i tried their help line but unfortunately they kept me on hold for atleast 10 to 15 minutes. I m fedup with this services card product of sbi.

This is complaint against sbi credit cards where they have not been sending statements for last five months, wherein i made payment of Rs 7000/ in feb 2007 on this card against my purchases since then there has been no purchases on this card. At that time there was an outstanding as late fee being charged of Rs 500/ which they have hiked it up to a total of Rs 4000/ in past four- five months and that two with no statement being sent to me for above mentioned period.And not to forget that there harassment calls do not stop in the mean time in the meanwhile i have been explaining the complete story to every executive who calls me with no followup at all from the bank, each and every time some new exec calls & after listening to my version never gets back again.

Re: SBI

I am a SBI Credit Card customer & have been paying regularly too but since last more than 1 year's period I haven't received my card bill & no body from SBI was bothered to send me the bill or called me to check wether I have received the bill or not.

Suddenly after such a long period of time one person who told his name is Rajesh Ranga & he is a lawywer, called at my residence land line no. in the starting of this month, saying that I have a big amount of Rs.26000.00 overdue against SBI Card & if I dont pay that amount at once then he is going to get a non bailable warrant against me.

At this I asked him to provide me either statement of charges or invoice so that I can know the break up of the amount he is asking me to deposit. I also gave him my mobile no. for all further communications as I am out of home most of the time.

After half an hour he again called me on my mobile & told me that he is going to get me a special discount & now I have to pay Rs 18000.00 but I need to pay it at once only & he again didn't provide the statement.

I again asked him that pls provide me the statement & then only I can pay the o/s amount.

At this these people started calling me at my mobile no. as well as on my residence land line no. in every 1 or 2 minutes for several days & also abused every one who picks up the phone at my home.

Today due to this harassment & mental pressure to every body at home I have paid them Rs.18000.00 without still having the statement of charges levied, they only sent me a letter stating the amount due.

I would request you to pls put this matter forward & get me the justice.

Even i have been facing the same problem, idid clear all my dues in feb 2007 with some 500/ odd Rs left as outstanding on which they have levied late fees and interest, how can somebody charge interest on late fees & that to you are charging all your late fee and interest without even sending the statement for atleast last five months

I would say, the SBI CARD ARE THE BIGGEST FRAUD. They should be trapped by court or some community for whatever they are doing. They don't have check drop box in all the ATM. They will block your net banking facility saying amount is due. They will not sent the statements properly. They will put some offers & asks you that whatever u shopped = total amount due. Is the worst case in flexipay offer.

Keeps adding on columns like payment not made by due date duplicate statement bill unnecessarily.

My kind request to all not to ever go for this card for under any Circumstances.

I have a card from SBI I received this in the month of Feb about 13th, from that day I haven't received and conversion from State Bank only people phone to me Sir they are the pending in your accounts please play 180 Rs, pay 800 Rs just on calls but no statement I have complaint many times to toll free numbers they only say Sir there are some problem so we cant deliver the statement to you but tomorrow or day after you will get it surely... But till day I haven't received any statement I just wanna ask you the simple question if you collection guy come to ask the payment then why not statement come through by them or courier.

Even till date I haven't received the pin numbers also, last time a gentle man have phoned me up and he promised me that he will send me the statement on 20th of april you just deposit the Rs. 800.00 to the drop box or i will send my collection guy, then next day he sent the collection guy I have paid him 4000.0o cheque instead of 800.00 because I know I have to pay the levies but why I am not getting any statement from the bank.

If there is any problem why should the people from bank bringing in my knowledge. Stay away from SBI!

Myself Krishan Kumar is one of the mentally harassed credit card holder's of SBI. I have been holding this card for around 6 months and this period of 6 months have been a torture for me. I have never ever used this card since i have been applied for the same just because of the negative feedback which i got from my friends. At the time of applying i have denied for all the extra facilities like insurance, easy bill etc...

Now i have been receiving continuous legal notices from the SBI department stating that Rs. 7733 is due upon me. They even call me up offering me a waver of around Rs. 3000. Now they are asking for Rs. 4000/- in order to settle this dispute. All these has harassed me a lot and is fed up of all this. The Ref. no. of the legal notice which i received is : QL/150/APR/07/2148. When asked they don't even have the details of why this much amount has been charged towards my credit card.

Being one of the largest banks in the work they are offering such a below standard service to their customers and threatening their customers of submitting a particular amount in order to settle it. But they question is "Why...?". Everyone earns their money by shear hard work and no one will pay a single penny for free.

Important Note: "Never ever in your life apply for a SBI credit card, no matter what all facilities they are providing".

Krishna Kumar.

I am using SBI card from past one 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...

Every month I have to ask for card statement, it is not delivered at my res. address. Even the same is available for on site. Call centre people do attend but nothing is done further.

Anybody having complaints against SBI cards should mail to ajay.bharti@ge.com. This chap is VP customer care and takes personal interest in all matter. Don't go through customer care, go through him.

I have not been given access to internet banking even though i have applied for it 4 months ago.

I get a mediclaim policy, through sbi card tied with Royal Sundram. First year i paid for this 4071 + service tax and same amount paid for 2nd year renewal. Now 3rd year sbi card Charged medisafe admin fee Rs. 841.80 which is wrong charges. This Admin Fee not charged for Previous Years.

Two times my cheque misplace by bank and charged late fee which is very high. I'm frustrated for this. And want cancel my card. Every time Call center people are not cooperate with us.

I suggest those people who want a Cr.Card. Don't go for sbi Card. They are looting the people.

I really hesitate by having SBI credit card, They are not ready to send the bill and mail even if we request also.

I had never seen such kind of people in Customer care, people are so stupid and harsh.

Stupid management

This is with reference to State Bank of India Credit card.card no. [protected]. Without my authorization they have paid to Sundaram finance for a health insurance policy an amount of rs.1827/- and soon as the policy was issued i refused it because i didn't want it. Sundaram Finance said that they would pay back it to SBI credit cards. But the amount credited was 1553/- on 20 march 2007.

Since from the day I got card i didn't use it for any transaction. They have added default fees every month and say i have to pay rs.2473/-. How can I deal with this problem?

I have not authorized anybody to issue a policy.

I am having very bad experience from SBI cards in last six months. Somewhere in August 06 I informed them in case they are not waiving off annual renewal fee i am not interested in using SBi card. Annual renewal fee stopped appearing in statement and they issued me a new card also. I started using the card. Suddenly annual fee started appearing in December 06. I refused to pay. Now every month the annual fee and interest charges are added in monthly statement. Till now annual charges and interest are added six times in last six months making a total of Rs 3224/-. Inspite of several calls and emails they keep insisting to pay full amount.

I have been using SBI card since last 2 years. Since last 2 years I have used the card maximum and it was very useful to me. Later on they have started to give me a many offers like cash loans other purchasing benefits and rewards etc. Last year when I was in a financial burden I took that loan offer by them. I have paid 3 to 4 installments regularly, but still the outstanding balance is not reducing and it seems to be more in every month. And another main drawback of them is they are calculating the total interest of 3 years and they are adding to our principal amount and it will continue like compound interest and cheating to the poor guys.

It is really shocking on the part of SBI Credit Card to harass the customer. I am victim of the harassment. I have been depositing the due amount which i receive through SBI Card statement for the last eight months. I have not used this card to purchase any goods for the last 8 months. Though, outstanding balance remains more or less the same. At the time of issuing the card they pointed out categorically that there is no hidden charges. Now i realize that it trick to get caught the innocent customer. It is an economic offense.

I appeal to all my fellow beings pl do not get SBI card at any cost and any circumstances.

satish kumar

I am using icici card for last 5 year i do not have any prob till date but i was offered sbi card i made four transaction but i pay four check but sbi do not received payment altimeter i pay my dues from icici card visa transfer sbic ard is HAVING THIRD CLASS SERVICES.

PSU banks ka wohi haaal hai... they r useless, n dont care about their own progress. Switch to another bank boss

I too have the same problem. What the Sundaram Financiers initially told me is that, they will send the detailed terms and conditions along with the insurance policy document, and we have to make the payment only if all the terms are acceptable to us, and we will get a minimum 15 days time to cancel the policy, if we are not interested. Also, they are telling that they are recording the telephone conversion for records. So, Let us join together and file a case against SBI Cards and Sundaram financiers.

I do not know how to interact with SBI Cards Team. I own a Via Gold Card from them for the last 12 months. Three weeks back, I got a call from another SBI card holder inquiring about my card and bill pay services availed by me. Initially, I was surprised as he had called me on my mobile and had my landline number with him. He explained that SBI card has been deducting his card account with my landline telephone bills (Chennai Telephones) for past five months and finally they gave him my contact details. He asked me to be cautious on this. After a week from this call, I noticed that my card has also been deducted with two telephone bill payments of Dec and Jan on 22nd Feb. I launched a formal complaint and followed up with them. Sent mails to their complaint mail ID and escalation mail id too. Adding insult to injury, they debited one more bill pertaining to November month couple of days back. All their contact channels are inefficient and arrogant at times. Also, many of their call center team members are not aware of any standard turn around time and they told me periods varying from 4 days to 40 days.

There are no bills pending but their latest bill has not been sent to me. Now I cannot even reach them on the telephone - the lines seem to be switched off.

I am using the SBI cards from past 1 year. These people have not sent me the statement from past 8 months(including this month(July 2007)). There customer service person Rajesh from Chennai called me last week and he told that if i am not paying this amount, they will send goondas to my house to collect the amount.

I am fed up with these people as they use all words such as ###er and mother ###er to customers. Also, I have informed that I have not received the statement from 8 months and they tell that they will not be able to send the statement every month and also the customer has to calculate and pay the amount of that month.

Now, I have decided to go for settlement and they tell that I have pay the outstanding amount shown in the statement (which I might receive). They also tell me, that I have withdrawn the amount from credit card which I have not done.

I fully agree and I'm actually shocked to read through all the complaints. I wonder what the complaints manager/head is doing about all these, cause the service has not bettered any... has only worsened day after day. In my opinion the complaints head should resign and let another person fill in his position who has the ability to clean up all these rottenness.

Since i have got my credit card, I have not received single statements, but monthly i see that people from this company come to collect the payments.

Thanks and Regards
Christy anand L
SBI card no 4317 5756 xxxx xxxx

I am using Sbi Creditcard from last one month... with in this month i am facing many problems with them. Customer services don't give respect to the Customers...

" Every one Should know that Customer is the King for any Business"

Please Realize and don't approach SBI Creditcard...

SBI Credit card collection Agent - Name - BALA calling from o44 - [protected] , calling up very frequently my office & mobile using very nasty words to every body at office. The moment the call gets picked up immediately he starts uttering nasty words. I have asked for a final settlement but because of these i am not paying .

Regards
sowmya

This is Jayanta Roy.

I haven't receive my credit card statement for the month of June'07 & July'07. I have already paid the due amt. for the card.

Complaining to the customer care repeatedly, they are giving me false information that they had forwarded my statement and it will reach me within 5 working days. Till now I haven't receive any statement of June & July. I have never seen before this type of cheating from such a nationalize bank.

I had applied for the SBI credit card in the month of july 07, at the time of application for the credit card agent told me that it is a life time FREE card and I don't have to pay ANNUAL FEE, but I'm surprise that I have received monthly statement with annual fee and ADD ON card fee (which I had not asked for).

Regards
Bhupender