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Submit your complaint →Customer Mohana Priya alleges SBI continues to send due messages despite clearing all credit card dues a year ago. Learn how to escalate similar issues legally and file complaints through Choice4Voice.com
Complaint Summary : SBI Credit Card Account Closure Issue: Customer Claims Repeated Due Messages Despite Full Payment
| Complainant Name | Mohana Priya |
|---|---|
| Company/Brand | State Bank of India (SBI) |
| Product/Service | SBI Credit Card Closure |
| Complaint Type | Poor Customer Service |
| Interaction ID | 1-401702651904 |
| Date of Incident | 10/10/2023 |
| Company’s Response | No response received |
| Platform | Complaint submitted via Choice4Voice.com |
Case Overview
Customer Mohana Priya reported a serious issue with SBI Credit Card services related to account closure and system errors.
According to her statement, she cleared all outstanding dues and closed her SBI Credit Card account a year ago. However, after two months, she began receiving automated due messages again.
When she contacted SBI’s customer support, they acknowledged the issue and admitted it might be a system-related fault, assuring her that the problem would be resolved soon. Despite these assurances, the same due and charge messages continued, causing unnecessary stress and confusion.
This case highlights a growing concern among SBI credit card customers regarding inefficient closure processes and poor system updates.
How Choice4Voice.com Can Help
Choice4Voice.com helps consumers like Mohana Priya raise their concerns when brands fail to respond to valid complaints. After verifying the issue, Choice4Voice publishes it publicly to prompt a faster resolution.
If you are facing a similar issue with SBI Credit Cards, you can:
- Submit your complaint on Choice4Voice.com
- Have your case reviewed and published
- Increase visibility on LinkedIn and social media to put pressure on companies to act
Legal Actions You Can Take Against SBI
If SBI fails to resolve your issue after multiple follow-ups, here are the official legal and regulatory routes you can pursue:
1. File a Complaint with the RBI Banking Ombudsman
You can approach the Reserve Bank of India (RBI) Ombudsman if your bank fails to act within 30 days of your written complaint.
- Portal: https://cms.rbi.org.in
- Complaint Category: Credit Card Billing/Closure Issue
2. Consumer Court (District Consumer Forum)
File a consumer case under “Deficiency in Service” if you’ve suffered mental distress or financial inconvenience due to SBI’s negligence.
Required Documents:
- Credit card statements
- Closure confirmation email/SMS (if available)
- Screenshots of due messages received post-closure
- Written communication with SBI
3. Email to SBI Nodal Officer
Write a detailed escalation email to SBI’s Nodal Officer:
- Email: nodalofficer.cc@sbi.co.in
- Subject: Urgent Escalation: Credit Card Closure System Error – Interaction ID: 1-401702651904
Step-by-Step Complaint Process
- Collect all documents (closure proof, communication history, due messages).
- Email SBI customer care and copy the Nodal Officer.
- If unresolved in 30 days, file with RBI Ombudsman through the official CMS portal.
- For compensation, approach the Consumer Court online via https://edaakhil.nic.in.
Pre-Drafted Complaint Templates
1. RBI Ombudsman Complaint Template
Subject: Complaint Against SBI Credit Card for Repeated Dues After Closure
Body:
Dear Sir/Madam,
I am writing to raise a complaint against State Bank of India for continuing to send due messages even after I had fully cleared my SBI Credit Card dues and closed my account (Interaction ID: 1-401702651904).
Despite multiple follow-ups, the issue remains unresolved. I request RBI’s intervention to ensure the correction of records and cessation of wrongful due notifications.
Thank you,
Name: [Your Full Name]
Email: [Your Email Address]
Date: [Today’s Date]
2. Consumer Court Template
Subject: Complaint under Consumer Protection Act, 2019 – Deficiency in Service by SBI
Body:
Respected Sir/Madam,
I had closed my SBI Credit Card account after clearing all dues. However, despite confirmation, SBI continues to send due messages and apply charges. The issue persists even after repeated complaints.
This constitutes deficiency in service and mental harassment. I request suitable compensation and an official apology from SBI.
Thank you,
Name: [Your Full Name]
Address: [Your City, State]
Date: [Today’s Date]
About SBI
The State Bank of India (SBI) is India’s largest public sector bank, known for its extensive customer base and credit card services offered through SBI Cards & Payment Services Ltd. However, in recent times, several customers have reported issues related to credit card closure, wrongful billing, and delayed responses.
- Official Website: https://www.sbicard.com
- Customer Care Email: sbicard.com/email
- Nodal Officer Email: nodalofficer.cc@sbi.co.in
How to Prevent Such Issues
- Always request a written closure confirmation when closing any credit card.
- Check your CIBIL report after closure to ensure it reflects “Closed – By Consumer.”
- Avoid verbal assurances — always maintain email proof of your interactions.
Author
Complainant: Mohana Priya
Verified via: Choice4Voice.com
Q&A Section
1. What should I do if SBI continues to send due messages after credit card closure?
You should email SBI customer care with closure proof and escalate to the Nodal Officer.
2. Can SBI send dues after confirming credit card closure?
No. Once an account is closed, the bank cannot legally generate new dues.
3. How long does SBI take to update credit card closure in the system?
Usually 7–10 working days, but in some cases, system delays may occur.
4. Where can I file a complaint if SBI doesn’t resolve my issue?
You can file a complaint with the RBI Ombudsman via cms.rbi.org.in.
5. What documents are needed for an RBI complaint?
Account closure proof, communication records, and evidence of repeated dues messages.
6. Can I file a consumer case online against SBI?
Yes, through edaakhil.nic.in.
7. How to contact SBI’s Nodal Officer?
Email nodalofficer.cc@sbi.co.in with your case details.
8. What is Interaction ID 1-401702651904 related to?
It refers to Mohana Priya’s complaint about credit card closure errors.
9. Can SBI charge interest after the card is closed?
No, charging interest post-closure is a violation of RBI guidelines.
10. Is it mandatory for SBI to provide closure confirmation?
Yes, all banks must provide written confirmation within 7 days of closure.
11. How can I ensure my SBI credit card is truly closed?
Check your credit report or call the SBI helpline to verify closure status.
12. What are the penalties for SBI if they continue to harass consumers?
The Consumer Court can impose fines and order compensation for mental harassment.
13. What steps can RBI take against such errors?
RBI can direct SBI to correct the error and ensure compliance with credit card regulations.
14. How do I avoid system errors in credit card closure?
Always follow up in writing and request closure acknowledgment emails.
15. Is Choice4Voice.com a legal complaint platform?
Yes, Choice4Voice.com verifies complaints before publication to promote fair consumer advocacy.
16. How can I track my complaint status on Choice4Voice.com?
Once published, updates are shared through Choice4Voice and LinkedIn visibility.
17. Can I reopen a complaint on Choice4Voice if unresolved?
Yes, you can reply to your published case for follow-up actions.
18. Does Choice4Voice share customer contact details publicly?
No, sensitive information like email and phone numbers are masked for privacy.
19. What action can be taken against system-generated false dues?
A written complaint to the Nodal Officer followed by RBI escalation is recommended.
20. Why does Choice4Voice publish verified cases publicly?
To bring attention to ignored consumer grievances and push brands toward quick resolution.
