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

i am holding your SBI Credit Card no:[protected]..its expiry date is 06/2007...but still i didnt receive my new renewal card...kindly arrange fast to forward my new credit card...

regards
D.Vishwanathan
New # 64,Subramaniaswamy koil st.,
Saidapet West,
chennai -15

Why customer service is poor? Wrong information, wrong billing. Today I went to Parliament street, One employee said here nothing related to SBI CARD. When I have talked with customer care person he even don't want to listen what is my problem...

I am holding a Credit Card with a limit of Rs 118000 for more than a year than one fine day I recieved a call from one of SBI executive who proposed thatI have been selected for the upgradation of my gold card to Platinum card & as one of the benefits he told that my credit limit will be enhanced by 40 % for which I need to give acall to customer care & then n there my limit will be enhanced because of which I gave my acceptance for the offer over the phone. This entire conversation was recorded for future references (as claimed by the executive).

But when I called the customer care after recieving the platinum card they told me that my limit can not be enhanced & according to the executive Rs 118000 is my enhanced limit enjoyed by me.

I am also facing same problem with SBI as i am not using this card since 6 months but they are debiting towards insurance charges every month with interest as i already told them that i do not want any insurance.

Hello,

I regret to inform you my experience with SBI card. This is complete unprofessional.

From long time I was interacting with SBI card officiate for reversing the wrong entry and payment from my account and initially there was no response.

Suddenly, i have received on letter dated 7.7.07(Copy Attached herewith) from SBI about one time full and final settlement of Rs.4397.66/-. i was advised to pay this amount for closure of the case. I was also advised to withdraw all dispute in the case.

Accordingly, on 7.7.07 itself I have paid Rs.4398/- in cash (receipt is attached herewith).

Now the case is after the payment also I am receiving payment statement. I have contacted your local office in nashik and mentioned to them this concern. I got the answer saying that the office takes time to settle the account in the system and I need not to worry about this statement.

This month also I have received the statement including all late charges and tax payment.

I consider this as cheating to the customer. This is not acceptable.
I can't believe that your system takes one years time to get data updated.

I hereby advise you to stop sending payment statement as the matter is settled and closed.

If I receive next statement I will take the matter to the legal appropriate authority including police case putting specific names included in this dealing.

All copies are attached herewith for your ready reference. Pleas get back with immediate action and close the matter.

Ajay Ambewadikar

With lots of hope I planned to borrow a SBI credit card and I have taken 1.

I time I was delayed in paying the credit card bill due to some reason , the custor care excutive have started calling me to pay my bill, I told one date to pay the same but they continued makings calls. I day I have received 11 cals from their side. They started harrased me like this way. That time I planned to close my card and asked for settelment. I applied for the same for last 3 month but nothing happened but on the contrart the SBI people started threating me to lodge complaint.. this and that. It is so unfortunate.

Dear Sir,

Sub :card no.[protected]

An amount of Rs 1000/ was being shown on my card due to some internet transaction.I had called up your customer service representative and also written a complain via mail that I have made no such transaction.Mr.Javed had even called up to say that
it was wrong on your part to show the amount ,but it has not been updated on the card account although the card has been already deactivated.
Nandita acharya

Dear Sir,
Card no [protected]
An amount of about Rs 1000/ was being shown on my last account due to some internet transaction.
Ihad spoke to cust ser representative and lodged a e mail complain that I had made no such transaction, Mr Javed called up to say it was wrong on your. But the account balance has still not being updated till date.
NANDITA ACHARYA
Dt.01/03/2008

Mr. Manish DewanVP-Customer Service
Pl. review my Credit card [protected] an statement due for which unnecessarily calls are coming aily wef 28 th Feb.I am very much aggrieved by sbi credit card costomer service who is not giving proper reply. Once again I would request pl confirm my payable amounts in detail and let me know the details depostied by me. our one cheque in Oct. 2008 which was dropped in drop box in Lko sectt. sbi drop box but that is not showing in my satement. It is very objectionable that our deposite EMI's are now showing in the st. Let me give in detail howmuch amount is due to pay me.
Pl. make sure your services be improved.
Thanks.
M.P. Asthana
E-5287 Rajajipuram, Lko. Tel [protected]

from 1 day SBI credit Card service is very poor, as our experience, No outlet.No proper respons, Un necessery billing.
Whether I have closed my account with full and final payment But billing is continiue, This is open cheating.STOP this un necessery farashment.

some of your franchise agents came to me and proposed to take credit card and they give option to join our insurance policy name i.e., 'SUPER SURAKSHA' AND THE instalments of this insurence paid through our sbi card. i agreed to this options and i applied for credit card through the franchise. I received the credit card in the year 2007 may. since i never used the credit cardand i paid the premiums personally. but your office sent a statement to me to pay 10,858 {tenthousand eightfifty eight }without furnishing the particulars . then i sent so many letters to your office for detailed statement moreover, i surrendered the credit card to your head office. but your officials harassed me by phone to pay the amount. I never utilised the credit card at any point of time. moreover i cannot purchased any items through your credit card. i belongs to the middleclass family. i cannot bear your officials harasment by phone.
hence is pray your officials kindly send me the detailed account copy and furnish all particulars. else i will suffer irreperable loss and damage. already i surrendered my credit card on 14.01.2008.
my credit card number: [protected]
my name: mvvs sarma

already sent

I'm very much distressed with SBI card. SBI card offered me personal loan of amt 66000 with only processing fee and 1842 Rs emi for 4 years. But now in each statement they are charging service tax .

My second complaint is regarding super suraksha. I asked for its reversal many times but till date no reversal has been made .

Third, I reqested for statements at my res.address, but they are not following. However their offers related attractive but useless documents we are receiving at regular interval.
Kindly reply soon otherwise I' ll go to either a consumer court or a news channnel like awaaz

I never applied for SBI Card. But it was dispatched to address one year ago. I never used it. Now they charged for Annual fees of Rs. 1323/- (with add on card). I mailed an official notice to close the credit card account, but they did not respond. How to stop this disturbance. Please advise.

I was a holder of SBI Card. When I started receiving bills towards expenses which I had not made at all and found that unnecessary charges were being levied, I decided to close down my Card and accordingly approached SBI Card for one time settlement. Accordingly SBI issued me a letter dated 30/11/05 offering me one time settlement on payment of Rs. 12, 000/-, which too was also in excess as I had not used the card to this extent. However, I issued two cheques amounting to Rs. 6, 00/- each, settling the dues. After this, I was under the impression that my account stands closed. However, after some time I received monthly statement and some telephonic calls regarding outstanding dues. I told them to clearly check their accounts and also told that I would approach the Consumers Redressal Forum for the forgery being carried out. The calls and monthly statement stopped. However, today I was shocked that SBI Cards have reflected my name in CIBLE. If SBI Card does not rectify this error immediately, I will be left with no other resource than approaching the Consumer Redressal Forum as per the Supreme Court guidelines.

Every now and then i have to change my Log In Id because SBI Credit Card division go on making the so called upgradation of the website. i am running out of new names to be used as IDs. The website may be upgraded every day . I have no objection. But this should not force the customer to keep changing the log in ID almost every week as it is happening during the last month or so. I have sent email after email to the Asst.Vice President, SBI Card but so far there has been not even an acknowledgement of my email, not to speak of redressing my grievance. Necessary steps should be taken to improve the website and make it less haraasing to the customer if not customer friendly.

Indecent behavier for SBI CREDIT CARD collection agencies.
Iam also a card holder.I am ready to settlement.but I needs 20 days time. My husband also a heart patient. In past 20 days Collection agent ( Name : Anandan MOB .no [protected] & [protected].TANJORE, TAMILNADU) called for early morning to spoke vulgar &unparlementary words. He questioned why are you got loan, he threaten my daughter tomorrow morning I will published your family photo for I.p. yet i have indivdualy report to HUMAN RIGHTS COMMISSION .All mob talking are recorded. In this connection any bad instant in my home it is fully resonsible for your agent. In future You can advised your agent any customer to talk polite &do not using nasty &harsh words . (that person Mr.Anandan is not suitable person for collection excu, he is follow the ravudiciam)

copy to sbi collection agent by fax

I too have faced the similar problem of not clearing the cheques and charging high interest rates . and also some additional transactions even after blocking the Credit card. SBI credit card is the worst CREDIT card i had.

they also donot give your the cash back even if they advice so.

The SBI Cards people are cheater of India. They are blood sucking people. They are not uptodate. They are wild animals. They do not have any decency. They are goondas of the world every seen. They do not know any good language. They are always harsh. Harrassing. Even if you do final settlement they will again want yout o pay more money wihtout anything. The are cruel people. DO NOT TAKE SBI CREDIT CARDS. NO. 1 Cheating People of India - SBI CRedit Cards.

P S RAJEEV

Hi,
This is pramod, had a very bad experience about SBI credit card. I made sure that i make the payments, and not to come in the list of defaulters, but SBI credit card division was much aggresive than me and they coudnot allow me to succeed in my efforts.
I dont know how my outstanding balance kept on growing. finaly i stoped paying my bill. In any case i do not want to use SBI card now. Infact i do not want to use any credit card now.

Can soomeon mail how to compalint about it, other wise this compalint shall be lounched to consumer care division of National congress party.

TO
THE MANEGER,
CUSTOMER SERVICE,
SBI CARD, NEW DELHI- 110001

PLEASE CANCEL MY CARD NO.[protected]
WITH IMMEDIATE EFFECT.PLEASE STOP ANY KIND OF TRANSACTION THIS MOMENT ONWARDS.
PLEASE SEND REPLY.
GLKB NAIDU

Hi I had made a credit card 4 years back. The SBI card was Free of cost. I never used that card since I am Holding ICICI Bank Cr card and very comfortable and satisfied with its services from last 5 years.

I kept that SBI card but never used it.
Finally I called up the customer Care and cancelled it a year ago.

I dont understand that why i am receiving the credit card stm unnecessarly. I dont open that stm since i donot know the process to open it. It states that You need to enter the primary card no. But even after entering primary card no. the stm doesnot opens.

Are these people in SBI cards fool.. They have such a pathetic service. Had I know this I could have never applied for the credit card.

I donot have the customer care number I forgot. Please anyone who read it can give me the present Customer care number.

Hi,
I’ve applied for a SBI Credit Card, but till date I didn’t received it, however today I’ve got a statement for the Credit Card mentioning that I’ve an outstanding balance on my card of Rs. 10, 058.20. Previously I’ve also received two envelopes for Balance Transfer Request, for which I’ve never applied. This is something very disgusting. How can anyone trust your bank, if you were doing like this. Sending fake bills and inappropriate letters.
Pls help me out and cancel this Balance Transfer request, which I’ve never made out. Your customer service is so worst and dumb, that they don’t know anything about their own products. Now I am realizing that I’ve made the blunder by applying for a SBI Credit Card.

Sir/Madam,

I am a credit card holder of your SBI. I have applied for the credit card and was issued the same in the month of December2007.
Later on 31st Jan 2008, i recieve an SMS saying that my application for the card is in progress and i will recieve it soon.
Just to confirm wether my card is working or not, i made a purchase. The first time it was swiped, it worked. Later it did not work at all.
The next month, when i was supposed to recieve my statement( which i didnt) made me to call up the customer care. The customer care executive informed me that there was no purchase made because my card was not activated and if at all i made a purchase, it will reflect in my next bill. The executive informed me that i need not pay any amount for that month.
The next three months, i did not recieve any statement or SMS or E-mail.
Just to inform you, i did not recieve my ATM pin too.
After almost three months after i made the purchase, i start getting calls from the collection center at Chennai saying that i havent made any payment for the last three months.
The total amount has almost doubled. Inspite of me telling that i need my statement, i keep getting calls from them . They start calling me in the morning 8AM and stop only at 6PM. almost 20 to 30 times a day. One day when my wife answered the call, they started using abusive words to her. When i informed the same to the Customer careexecutive, he told that the collection center person is doing his job.
After just five days of calling, they end up calling my office number and my extension which i share with my HR. The collection agent started using abusive words and started shouting at every person who answered the call.
As a last resort i called the customer care guys again to inform him of the abusive way SBI has taken up against me. But even he gives a reckless answer. when i asked him that my card is not activated at all, he informs that they have deactivated as a precautionary measure. This doesent make any sence. The card was not activatedfrom day 1.
Now, my job is at stake and it is SBI and its customer care and the collection center to be blamed.
Is this the way a customer is treated at SBI?
Who is going to give me my job back if i loose it?
I am writing to you in hope that you will make sure that this will not repeate with other customers like me.
If i am not recieving any responce from you or SBI, i will assume that my relationship with SBI has come to an end.

Regards,
Sri...

These SBI people are mother ###ers. Their mother sleep with every one and their wifes are [censored]s. Their daughters are call girls and these idiots are call center executives. They only know tamil... The ###ing language of india. They dont know a bit of english or at least english alhpabets. They simply know how to sleep with their mothers.
Lanja kodukulu. boku naa moddalu. Pukku naake lanja kodukulu.
nee ammani dhenga, lanja kodakallara. mee pellalini kukkalu dhenga. mee kuuthuri puukulo naa modda petta.

###ing ###s and sons of bithces

Respected Sir,
I had sent you a cheque for Rs 107/-
on 02-08-2006, settled all my balance and surrendered the sbi credit card.
But i have received monthly statement of account from you on 28-04-2008.
So i request you to take necessary steps to stop sending monthly statement in future.
With regards
S.Prakash
sbicard number: [protected] (not now!)

i am using sbi credit card since last two years .my card limit is 20000/-.i asked how can i increase my credit card limt.?answer from customer care was no.i asked why or what is the reason not to increase my credit limit.but no explanation was given. i am very regular customer and also i am holding hdfc gold credit card of credit limit 55000/-.pl do the needful and oblige.

I was contacted by one of the representative s of SBI card saying that free gold card are given to the residents of my apartment at IP Extension area. I had given all the necessary papers. But to my surprise I was given silver card after unduly long time and I have not used it yet and I want to return this card. Please advise me.

Dear Sir,

As per our march 17, 2008 statement states your outstanding balRs9641.4,
I have been settled the amount of nearly 5 thousand already ur march 17 2008 statement before.

But again again the outstanding balance is raised monthly... my card limit is 10 thousand only but dont forgery against poor peoples
my credit card no is:[protected]

Dear Sir,

I have a credit Card of State Bank of India.In statement for the month of Jan'8 and feb'8, I found that my cheque of SBBJ Mertacity was rejected on account of non Micr cheque.Where as I have issued cheque with consultation of Bank authorities with the remark that SBBJ Mertacity is connected electronically with state Bank of India and this cheque(RS 656.00) amount shall be transfferedto SBI Card account(xxxxxxxxxxx3067)in the name of MC HARSH.Statement has shown penalty as well as annual card fee also which was agred by SBI CARD management not pay in fututre and I continue the card.Kindly direct SBI CREDIT CARD manegement either pay back me all false charges of Jan'8 and Feb'08 billing or otherwise cancel my cedit Card.I am a honest payer of regular credits but SBI CARD is not maintaining creditibility.
Thanking You
Yours Faithfully
M C HARSH

Card No.[protected]

Very poor service according to me.

Reversed the Annual Fees wrongly charged & not reversed the other related charges to Annual Fees

i have been using bobcard for the last twenty years.i have no problem with it.i took sbicardrecently with great hope that it is prestigious to possess it and start using it
without asking they called me to providsixteen thound rupees cash in the form of dd which they never sent.after seven monthsi left india. i paid the bills before going to us leaving onlyseventy rupees. by the time i return i found to my surprise that seventy rupees grew to three thoundplus with fines chargesetc how great this sbi is known from its deedsthey carge from the day we use the card not after the due date.it is cabuliwala reminder.

hi,
two days back i lost my sbi dibet card, can u please tell me the how to get new card ...

Dear Sir,

I AM NIKUL JALAN, 2A MAYUR APARTMENTS, DADABHAI CROSS ROAD NO.3, VILE PARLE WEST- MUMBAI -400056, KINDLY WANT TO CLOSE UR STATE BANK CREDIT CARD NO.[protected].BECAUSE I AM NOT USING SBI CREDIT CARD ANY MORE.

im using SBICard last two year is very bad Customer services im not agery this card

we have been receiveing call for some mrs pramela shirsat for last 3 to 4 months from people from sbi cards to clear the bill. we have been narating them regularly that this no does not belong to above stated person but they dont take any notice of it, instead they continue to call us and some times its very iritating kindly inform us will there be any person in the company whom should we complaint and if possible please provide us his nos.

regards
dhaval

Sir/Madam
I am allready written to our complaint on 22may 2008 my credit card no.[protected] but no any action please send me correct bill.
I used your SBI credit card in May 2008 & do shopping for Rs.17500/- but I shocked to see your bill amount because i had fully paid last bill amount. Please reverse extra amount otherwise i will not pay.
Regards
Vibhor
[protected]

Dear Sir,

Sub : Enhencement of credit limit
Ref : Credit card No. [protected]

It is to inform that I am enjoying a credit limit of Rs. 20000/ and would like to enhenc the same upt to Rs. 1, 00, 000/-

Please inform me the other formalities to fulfill the same at your earliest.

Thanks & Regards
MD. SHAKIL

Add : 56, Circular Garden Reach Road,
Kolkata - 700 043

Ph : [protected] / [protected]