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Submit your complaint →Rajesh Kumar Awasthi reports State Bank of India’s delay in activating a newly opened savings account at Malihabad branch, Lucknow. Choice4Voice.com details the complaint and legal remedies available.
State Bank of India – Delayed Savings Account Activation Complaint
At Choice4Voice.com, we bring attention to banking service deficiencies affecting customers. Rajesh Kumar Awasthi faced delayed activation of a newly opened savings account at SBI Malihabad, Lucknow branch, despite assurances that the account would be active within 1–2 days.
The complainant highlights a lack of communication, repeated visits without resolution, and poor customer service, which reflects systemic gaps in accountability and process efficiency.
Complaint Summary
| Details | Information |
|---|---|
| Complainant Name | Rajesh Kumar Awasthi |
| Submitted by | Shubham Awasthi (son) |
| Company/Brand | State Bank of India |
| Complaint Type | Delayed Account Opening / Deficiency of Service |
| Product/Service | Savings Account – Malihabad Branch, Lucknow |
| Date of Incident | 15 September 2025 |
| Current Status | Account still not activated as of 18 September 2025 |
| Issue Description | Account opening delayed beyond promised 1–2 days. No updates or communication from bank staff. |
| Company’s Response | No proactive response; no updates provided to the customer |
Full Complaint Details
Key points raised by the complainant:
- Broken Promise: Bank staff assured activation within 1–2 days, which has not been met.
- Communication Gap: No SMS or email updates, leaving the customer uninformed.
- Repeated Visits: Customer made multiple visits without receiving any resolution or explanation.
- Customer Experience Impact: The delay causes inconvenience and diminishes trust in SBI’s processes.
- Systemic Concern: Indicates overburdened staff and outdated internal procedures affecting service delivery.
The complainant emphasizes that this issue is not only operational but reflects systemic inefficiency, which impacts customer trust in one of India’s largest public sector banks.
Legal Remedies & Choice4Voice.com Intervention
Choice4Voice.com can assist in filing complaints under the following provisions:
- Banking Ombudsman Scheme (RBI): For deficient banking services including delayed account activation.
- Consumer Protection Act, 2019: For deficiency in banking services and undue delay affecting customer convenience.
- RBI Fair Practices Code: Mandates banks to provide timely service and proper communication to customers.
Departments for escalation:
- RBI Banking Ombudsman: Primary authority to address unresolved banking service complaints.
- State Consumer Dispute Redressal Commission: For deficiency of service claims.
- Ministry of Finance – Department of Financial Services: For regulatory oversight if systemic issues persist.
Choice4Voice.com will assist Rajesh Kumar Awasthi in escalating this complaint, filing legal notices, and pursuing proper resolution until the account is activated.
FAQs – SBI Delayed Account Activation
Q1. What is the complaint about?
Delay in activating a newly opened savings account at SBI Malihabad branch.
Q2. Who filed the complaint?
Rajesh Kumar Awasthi, submitted via his son Shubham Awasthi.
Q3. What was the promised timeline for account activation?
1–2 days as assured by branch staff.
Q4. How long has the account remained inactive?
As of 18 September 2025, the account remains inactive.
Q5. What is the impact of such delays?
Loss of trust, inconvenience in accessing banking services, and potential financial disruptions.
Q6. Can this be escalated to RBI?
Yes, under the Banking Ombudsman Scheme for deficient banking services.
Q7. Can Choice4Voice.com assist in escalation?
Yes, we provide support for public awareness and legal escalation.
Q8. Are there consumer rights involved?
Yes, under Consumer Protection Act, 2019 for deficiency of service.
Q9. Does SBI have obligations under RBI guidelines?
Yes, including timely service and transparent communication with customers.
Q10. What documentation is needed for complaint escalation?
Account application forms, acknowledgment receipts, and communication records.
Q11. Can the complaint affect future banking relationships?
Yes, unresolved issues may impact trust and customer satisfaction.
Q12. What legal recourse is available for delayed account opening?
Complaint to RBI Banking Ombudsman or Consumer Court.
Q13. How quickly does RBI address such complaints?
Typically 30 days for Banking Ombudsman complaints.
Q14. Can senior citizens escalate such complaints?
Yes, all customers have equal rights under banking and consumer laws.
Q15. Can Choice4Voice.com feature the complaint publicly?
Yes, to create awareness and expedite resolution.
Q16. What steps can SBI take to prevent such delays?
Streamlined processes, proper staff training, and automated updates to customers.
Q17. Is there a financial penalty for SBI in such cases?
Yes, RBI may impose penalties for non-compliance with fair practices.
Q18. Can systemic delays be escalated to higher authorities?
Yes, including Ministry of Finance – Department of Financial Services.
Q19. Can Choice4Voice.com assist in multiple escalation channels?
Yes, including legal notices, Ombudsman complaints, and consumer forums.
Q20. Why is documenting communication important?
It ensures accountability and strengthens the case during legal or regulatory escalation.
At Choice4Voice.com, we assist customers like Rajesh Kumar Awasthi in ensuring timely banking services. Publicizing the complaint is the first step toward awareness, and we help escalate unresolved cases through legal and regulatory channels.
If you face similar issues with SBI or other banks, submit your complaint to Choice4Voice.com to ensure your voice is heard and action is taken.
