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Submit your complaint →Gowtham Chidambaram Mehalingam reported a major issue with SBI Collect payment remaining pending despite repeated follow-ups. Choice4Voice.com explains the case, legal remedies, and how affected consumers can raise official complaints against State Bank of India (SBI) for payment delays and negligence.
Complaint Summary : SBI Payment Failure Complaint by Gowtham Chidambaram Mehalingam | Choice4Voice.com Highlights SBI Collect Issue
| Complainant Name | Gowtham Chidambaram Mehalingam |
|---|---|
| Profession | Senior Project Engineer focused on Thermal Management and Systems Engineering |
| Platform | |
| Bank Involved | State Bank of India (SBI) |
| Issue Type | Payment pending / transaction failure via SBI Collect |
| Incident Date | October 2025 |
| Status | Unresolved |
| Location | India |
| Complaint Source | Verified LinkedIn Post |
| LinkedIn Post URL | (Original post by the complainant on LinkedIn) |
Detailed Complaint Report
Senior Project Engineer Gowtham Chidambaram Mehalingam recently shared his frustration on LinkedIn regarding a payment failure through the SBI Collect portal.
According to his post, his transaction has been stuck in a pending status despite multiple follow-ups. He received inconsistent responses from the bank, including messages referencing incorrect transaction dates. When he attempted to clarify the issue, SBI representatives asked him to send his account statement after 24 hours, which he found highly inconvenient.
He expressed disappointment, stating that despite SBI’s position as India’s largest public sector bank, such inefficiencies in customer service and payment systems create unnecessary stress for users. His post concluded with a critical remark that SBI’s reputation as a top-ranked bank is hollow if it cannot handle basic payment processes efficiently.
Analysis of the Complaint
The case highlights three key consumer issues:
- Technical failure in SBI Collect transaction processing.
- Lack of proactive support and poor communication from the bank.
- Delayed and confusing responses leading to customer dissatisfaction.
Such incidents not only affect customer trust but also expose systemic issues in SBI’s grievance redressal and digital payment infrastructure.
Legal Case Can Be Filed
Below are the possible legal and consumer rights actions the complainant or any similar victim can take:
| Legal Option | Description | Authority/Platform |
|---|---|---|
| Consumer Complaint for Deficiency in Service | For delayed or failed transaction without proper support. | District Consumer Disputes Redressal Commission |
| Banking Ombudsman Complaint | For non-refund or failure to process payment correctly. | RBI Banking Ombudsman |
| Cyber Crime Complaint | If digital transaction failure leads to suspicious deductions. | National Cyber Crime Reporting Portal (cybercrime.gov.in) |
| Grievance Redressal with SBI | Through official grievance cell if branch staff or systems fail. | SBI Grievance Portal or via email to chairman@sbi.co.in |
| Escalation to RBI | If SBI fails to resolve the issue within 30 days. | Reserve Bank of India Ombudsman Office |
How Choice4Voice.com Can Help
Choice4Voice.com specializes in helping consumers who face negligence, poor service, or unresolved issues from large corporations and banks.
In cases like this SBI payment delay:
- We review your documents and payment proofs.
- Draft an official complaint to SBI and the Banking Ombudsman.
- Publish your verified story to raise awareness and put public pressure on the responsible company.
- Assist in filing consumer and legal actions if the issue remains unresolved.
Our goal is to ensure your voice is heard, your money is refunded, and similar cases don’t go unnoticed.
Where to File Official Complaints
- SBI Grievance Portal:
https://cms.sbi.co.in - RBI Ombudsman Complaint:
https://cms.rbi.org.in - Consumer Forum Complaint:
https://consumerhelpline.gov.in - Cyber Crime Portal (if online payment related):
https://cybercrime.gov.in
Pre-Drafted Complaint Templates
1. Email to SBI Grievance Cell
Subject: Urgent Complaint: SBI Collect Payment Pending Since [Date]
Dear Sir/Madam,
I initiated a payment through the SBI Collect portal on [Date], but the status remains pending. Despite multiple follow-ups, no resolution has been provided. Kindly review the transaction and refund the amount immediately.
Regards,
[Your Name]
[Account Number]
[Contact Details]
2. RBI Ombudsman Complaint Template
Subject: Complaint Regarding Failure of SBI Collect Payment
Respected Sir/Madam,
I am filing this complaint under the Banking Ombudsman Scheme regarding SBI’s failure to process or refund a digital payment made via SBI Collect. Despite raising complaints through customer service and the branch, no resolution was provided. Kindly take necessary action.
Sincerely,
[Your Full Name]
[Account Number]
[Registered Email ID]
[Transaction Reference Number]
Brand Overview: State Bank of India (SBI)
State Bank of India (SBI) is India’s largest public sector bank with over 22,000 branches and 63,000+ ATMs nationwide. It offers services including personal banking, corporate banking, and digital payments through platforms like YONO and SBI Collect.
However, complaints related to technical errors, delayed payments, and lack of grievance response continue to surface across social media, raising concerns about customer satisfaction.
Official Website: https://sbi.co.in
Customer Care Email: customercare@sbi.co.in
Author
Gowtham Chidambaram Mehalingam is a Senior Project Engineer with a focus on Thermal Management and Systems Engineering. He shared this verified complaint publicly on LinkedIn after facing repeated issues with SBI’s payment process and poor support response.
Frequently Asked Questions (FAQs)
1. What is SBI Collect?
SBI Collect is an online payment service by State Bank of India that allows users to make payments to institutions, universities, or businesses using various payment modes.
2. Why does SBI Collect show ‘Pending’?
This can happen due to network delays, server downtime, or payment gateway synchronization issues.
3. How long does it take for a pending payment to reflect in SBI Collect?
Usually within 24–48 hours. If not resolved, users should raise a complaint.
4. How to check the status of an SBI Collect transaction?
Visit https://www.onlinesbi.sbi/sbicollect → “Payment History” → Enter details.
5. How can I get a refund for a failed SBI Collect payment?
Submit a request via SBI Collect portal or contact your home branch.
6. Can I raise a complaint online against SBI?
Yes, through the official SBI grievance portal.
7. What if SBI doesn’t respond to my complaint?
You can escalate the matter to the RBI Ombudsman.
8. Can I approach consumer court for bank issues?
Yes, under the Consumer Protection Act for deficiency in service.
9. How to contact SBI customer service?
Email: customercare@sbi.co.in or visit the nearest branch.
10. How long does SBI take to resolve payment disputes?
Normally within 7 working days, depending on investigation.
11. What are common reasons for SBI payment failures?
Server downtime, transaction timeout, or mismatch in details.
12. Does SBI charge fees for failed transactions?
No, failed or declined transactions are not charged.
13. Is SBI Collect safe for large payments?
Yes, it is secure, but users should verify payment confirmation receipts.
14. Can I cancel an SBI Collect transaction?
Once initiated, it cannot be canceled; you must seek a refund.
15. Who regulates SBI for consumer complaints?
The Reserve Bank of India (RBI).
16. What should I do if my SBI Collect transaction is deducted but not received?
Raise a refund request with transaction details.
17. Does SBI respond to social media complaints?
Sometimes, through its official handles, but it’s better to raise it formally.
18. Can I file a cyber complaint for failed SBI payments?
Yes, if you suspect any fraudulent activity.
19. Are such issues common with SBI Collect?
Many users report intermittent issues, but proper escalation usually resolves them.
20. How can Choice4Voice.com assist me in my SBI complaint?
Choice4Voice.com can publish your case, draft legal complaints, and guide you step-by-step to get your issue resolved.
