Because my wife has her salary account with
@TheOfficialSBI, about a year ago some local SBI officials almost fell over themselves trying to persuade her to take a credit card.
She kept resisting, but eventually agreed on one condition: she would decide whether to activate it after receiving the card. We were specifically told that there would be no fee if the card was not activated, and that there would be no charges during the first year in any case.
The card arrived. She never opened it. It remained sealed in the original envelope for almost a year.
Then, one evening few days ago, she suddenly received a message saying that ₹3,538 would be auto-debited from her account the next day.
She immediately contacted the official who had persuaded her to take the card. The official was equally surprised and even visited our home to see for herself that the card was still sealed in its original envelope. My wife had never activated or used the card.
The official helped her connect with SBI's online helpline, where she was assured that the amount would be reversed within a few days. The next day ₹3,538 was deducted from her account.
Today, five days after, however, my wife received a message saying that her request for annual fee reversal of ₹2,999 had been approved.
So what happened to the remaining ₹539 that was deducted?
Even the SBI official who helped us has no explanation for this deduction.
What kind of “dadagiri” is this,
@SBICard_Connect?
First, you charge a customer for a card that was never activated or used. Then, when the customer complains, you reverse only a part of the amount deducted -without explaining the balance.
This is simply not acceptable.
@TheOfficialSBI @SBICard_Connect, please take cognisance of this matter immediately, explain the ₹539 deduction, and ensure that the entire amount deducted is refunded.
A bank cannot build customer trust by making customers fight to get back money they should never have been charged in the first place.
@FinMinIndia @RBI @jaagograhakjago @jagograhakjago