S(super) B(big) I(insensitive, idiotic, irresponsible) BANK.
This Idiotic, irresponsible, insensitive, anti consumers bank never responds to the requests and needs of the customers even If they are ailing and super senior citizens. Its Branch manager, nodal officers, GM, Customer care – all are deaf, dumb, and heartless, never answering to the query, mails. Telephones are not picked up. If by chance pick up the phone, the reply is scanty. Grievance cell records complaints and gives a time limit of as much as 21 days. But this limit is endless and they sleep over the complaint and never bother the solution. SMS service for “UNHAPPY” is for the namesake and does not respond. Their IT services are the poorest. The same is the story about their general branch and credit card service section. I and my family members had been their customers for almost 6 decades. But we have not seen so much quantum of deterioration in their services as it is now. Over the period, I have grown in age over 80 and so the bank, but its services have diminished in quality in all spheres. The result is by now we have either closed the accounts with them or moved to other banks. The same is the fate of term deposits. Presently I am talking about their branch at Prashant Vihar, Delhi, and nearby.
A GENERAL BANKING:
1.Mostly the branches are on the first floor and unfriendly to the customers with disabilities and senior citizens. Although as per RBI they are supposed to extend home service to senior citizens, this is a far cry. Even when we wish to manage through internet banking, they fail to provide an efficient service.
2.I am not able to use internet service in my account for the last several years. No SMS service is there. I have complained to the Branch Manager, Nodal officer, GM, customer care, Grievance cell but without any solution. I do not know which mobile number they have linked to my account. I neither receive SMS nor OTP for authentication purposes.
3.I have requested to correct my linked mobile number. No response. I have even submitted a fresh application to start my internet services but with no response. Customer care records the complaint and fixed 21 days limit but probably the customer care department has gone on leave and the time limit has become limitless. They have not responded even after several reminders.
4.I requested for TDS cum interest certificate through the mail, but no reply.
5.I submitted 15H through the mail but no acknowledgment. Twice earlier also it has happened that in spite of submitting the 15 H in person, they did not record and put me in trouble.
6.Another interesting thing happens, "for filing complaint they recognise my one mobile, for Yono, they send OTP to another mobile and for internet banking, I don’t know to which mobile they send OTP for authentication”. The result is that I am unable to use internet banking facilities properly.
B CREDIT CARD SECTION:
1.I had upgraded my credit card and surrendered the earlier card after clearing the dues. But while transacting through mobile service, it denies the service due to multiple credit cards against the same mobile. While doing transactions through the internet from the same computer throughout, it sends me the message that "you are doing the transaction from a new device hence OTP authentication is required". Once I do this, I am assured that the device will be remembered in the future. But every time same drama is repeated. The same thing happens to me on the internet. When I complain that the credit card which I had cleared and surrendered should be delinked from my internet site and the registered mobile, they show their inability to do so why? Only they know.
IT SEEMS THAT PERSONS HANDLING IT / SOFTWARE SERVICES ARE INERT TO THE SERVICES AND DO NOT KNOW HOW TO HANDLE THEM BUT AT THE COST OF CUSTOMERS.