While reading many bitter experiences on SBI credit card written by our friends it prompted me to say my experience on the same line I had.
In our residential Complex , SAF Games village Chennai we have one SBI ATM installed two years ago by their Anna Nagar Branch
I have credit cards of Syndicate bank and ABN Ambro. Their ATMs are not near by whereas my daughter has a SBI Card, What I will do usually, I just transfer money to my Daughter’s account from my account. As I feel it is more convenient for us to access the machine for drawing money.
Once I observed that one Rs 10000/= was debited extra with out my daughter’s access. In matter of fact, any body can draw money if they know PIN with card.
I suspected her whether she might have given to some one. There was no need for that still.
She herself went to bank and asked the details about the debited amount. But bank official, in charge of Computers processing told her to verify again in house.
Few days later I met the bank official with my daughter and sought about the missing Rs10, 000/=
We informed him our desired ness to lodge a complaint. Instead of investigating, He started threatening her like police would come to our house and torture all of us,
As I was away from my family I advised her to take decision on complaining .she just dropped the idea of complaining to the bank in order not to invite trouble herself.
Now she is using ABN ambro bank/BOM
Another incident, with the same machine the balance was just Rs 8000/ when we needed badly Rs10000/= on the particular day. Maximum withdrawing limit was Rs10000/day .My Daughter first withdrew Rs5000/= got balance sheet that indicated the same balance of Rs8000 and we again withdrew Rs5000/= Machine delivered it. We were not sure of the correct one whether the balance sheet or actual balance. We informed the bank. They just received the message and regularized our account.
There was no explanation on why and how that wrongdoing happened.
We do not know whether machine is malfunction or man or both. SBI only knows….
SBI is reliable, but ATM and related service is not reliable or having still teething problems. It is a question mark?
we have to take care of our money in updating all entries reqular interval.