Consumer Complaint Against SBI Bank

Table Of Content

• What if SBI doesn’t resolve my complaint?
• Should I complain against SBI in Consumer Court or RBI?
• Which type of cases can be complained against SBI in Consumer Court?
• Do I need any documents to file a complaint against SBI?
• How to file a Consumer Complaint against SBI? 
• How much does it cost to file a Consumer Complaint?
• Conclusion

If you encounter issues with SBI (State Bank of India) that remain unresolved, there are several avenues for escalating your complaint. Initially, seek resolution through the Banking Ombudsman for a focused review on banking matters. If that fails, you can pursue the matter in a consumer court for broader legal assistance. Understanding the types of issues that can be addressed and the required documentation is crucial. Additionally, filing a consumer complaint is generally low-cost, with many forums offering free services. Here’s a guide to navigating these processes effectively.

What if SBI doesn’t resolve my complaint?

If SBI fails to address your complaint in a satisfactory way, you can turn to the Banking Ombudsman who will review and offer an outcome on it. You may also consider lodging a complaint with the Reserve Bank of India (RBI) or seeking legal counsel. This paperwork should be recorded and kept for future reference in these processes.

Should I complain against SBI in Consumer Court or RBI?

Start with the RBI’s Banking Ombudsman for specialized banking reviews. If not resolved there, take it to a consumer court for wider legal assistance. The Ombudsman can provide faster resolution which is banking-focused while consumer courts offer formalised judicial processes for grave or complicated disputes. Document everything and pursue it through the correct escalation channel.

Which type of cases can be complained against SBI in Consumer Court?

For instance, you can sue SBI before a Consumer Court based on:

1. Service Deficiencies: Poor customer service, delays, or unfulfilled promises.
2. Fraud or Misrepresentation: Unauthorized transactions or incorrect account information.
3. Deficient Products: Issues with loans, credit cards, or other financial products.
4. Unfair Practices: Improper Charges, fees and Contract Terms 
5. Negligence: Fail to follow the procedures that affect your account or financial transactions. 

Do I need any documents to file a complaint against SBI?

Yes, when you need to file a complaint against SBI (State Bank of India), you would generally require the following documents:

1. Account Details: Account number and branch details.
2. Complaint Details: An elaborate explanation of what went wrong.
3. Supporting Evidence: Whatever pertinent papers or proofs having any connection with the complaint such as transaction receipts, correspondence etc.
4. Identification Proof: A valid ID issued by the government e.g., Aadhar card, passport.
5. Contact Information: The address where you live and phone number for keeping in touch.

How to file a Consumer Complaint against SBI? 

Filing a consumer complaint against SBI doesn’t take much time, money and effort. You can file a consumer complaint without going outside. Here are some easy steps to lodge a complaint against any service provider or product seller:

1. Visit our website edrafter.in and click on ‘Consumer complaint’ in the services section of the main menu of our website.
2. Now, you will be redirected to our Consumer complaint page, where you need to fill a form to provide some required information to understand your complaint.
3. Now, we will schedule a call for you with one Consumer Complaint Advocate and will share the call details with you on your email id.
4. During the call, the Advocate will understand your case and even ask details to get the in-depth information and depending on the situation and details, he will provide you Legal Advice of all the available legal options for you.
5. Now, Advocate will file a consumer complaint on your behalf against the seller with all the proofs and documents.

These are the simple steps that one can follow to file a consumer complaint against any seller.

How much does it cost to file a Consumer Complaint?

When filing a consumer complaint, it is customary that one will not be charged. Many consumer forums and regulatory bodies offer free complaint filing like the National Consumer Disputes Redressal Commission (NCDRC) in India. However, some services may have nominal fees such as court fees when the matter has been taken to a consumer court. Always confirm with the concerned body handling your complaint on specific procedures and charges.

Conclusion

If SBI does not resolve your complaint, escalate it to the Banking Ombudsman for specialized review. If unresolved, you can then approach a consumer court for legal recourse. Maintain documentation and detailed records of all these interactions. Complaints are often filled with minimal or no cost but some consumer courts may charge nominal fees. For effective resolution based on severity and nature of your complaint choose the appropriate channel to Register Your Complaint.