Prime minister jan dhan scheme is a lucrative cheating which provides zero facility as well curbs consumer rights

CPGRAM COMPLAINT DEABD/E/2015/10142 Yogi M P Singh

Inbox
x

cmadminr2.zovns@sbi.co.in

Nov 30 (6 days ago)

to meagmcustomer.lh.
Dear Sir,
Sir referred account No.34645721675 was opened {SB TINY-OD-GEN-PUB IND-ALL-INR} with product code [1611-1411]
This type of account is devised in SBI for mass rural public of country, having  no accounts anywhere, most of them illiterate and poor,
even it is based on bio-metric operation with limited amount, to avoid complication of using voucher’s etc. As the SMS facility is based
on multi mobile service provider’s, they charge for it, and ultimately it will shift to the poor customer’s, SMS facility is not enabled
with this product. In addition to this, Rupay Debit Card issued with above product, is also having limited transactions merchant  facilities.
Therefore we request you to please open a normal saving account and enjoy multiple platform of banking like Saving Plus, Internet Banking, Mobile Banking etc.
Thanks and Regards
CM Admin
R-II, A O Varanasi
 From: rm2 [mailto:agmr2.zovar@sbi.co.in] 
Sent: Sunday, November 29, 2015 1:46 PM
To: cmadminr2.zovns@sbi.co.in
Subject: FW: CPGRAM COMPLAINT DEABD/E/2015/10142 Yogi M P Singh
Importance: High
From: customer care [mailto:agmcustomer.lholuc@sbi.co.in]
Sent: Tuesday, November 24, 2015 1:22 PM
To: sbi.12731@sbi.co.in; CMGB VRN; RM2 VNS; ANAND KUMAR AO VAR
Cc: DGM (B&O) VNS; BOPM-3
Subject: Fw: CPGRAM COMPLAINT DEABD/E/2015/10142 Yogi M P Singh
Importance: High
EXTREMELY URGENT
Dear Sir/Madam,
With reference to trailed mail please arrange to attend to the complaint [received through CPGRAM portal], in this connection please arrange to resolve the issue and furnish reply to the petitioner and a copy to us to upload the same on  CPGRAM portal.
Please accord TOP PRIORITY to the matter.
Please keep the message trail in your reply, and do not change the subject line.
Regards,
Assistant General Manager (CS)/
 सहायक महा प्रबन्धक ( ग्राहक सेवा ),
State Bank of India /
 भारतीय स्टेट बैंक ,
Local Head Office/
 स्थानीय प्रधान कार्यालय ,
Lucknow/ 
लखनऊ 
(Tele):0522-2295395, 2295396
From: DGMIT.CMS
Sent: Tuesday, November 24, 2015 11:42 AM
Subject: FW: CPGRAM COMPLAINT DEABD/E/2015/10142 Yogi M P Singh
Dear Sir/Madam,
TOP PRIORITY
Please refer the trail mail for immediate resolution and to advise customer.
Regards,
DGM IT CMD
From: dgm.customer@sbi.co.in[mailto:dgm.customer@sbi.co.in]
Sent: Monday, November 23, 2015 7:41 PM
To: dgmit.cms@sbi.co.in
Subject: CPGRAM COMPLAINT DEABD/E/2015/10142 Yogi M P Singh
महोदय/महोदया ,
Dear Sir/Madam
We append herewith a complaint    uploaded in CPGRAM , the contents of which are self-explicit.
Please issue acknowledgement to the petitioner urgently and examine and settle the complaint as per the rules within a time bound manner.
Please furnish reply to the petitioner and  a copy to us in soft copy also   PDF format  to same upload in  CPGRAMS
  Please do not change subject line.
,
Registration Number
:
DEABD/E/2015/10142
Registration Date
:
22 Nov 2015
Complainant’s Name
:
Yogi M P Singh
Grievance Category
:
Letter No & Date
:
,11/22/2015 12:00:00 AM
Client Status
:
General Public
Address
:
Mohalla-Surekapuram,
Jabalpur Road
Police station-Katra Kotwali-231001
State/UT
:
Uttar Pradesh
District
:
Mirzapur
Contact No.
:
07379105911 ,7379105911
E-mail ID
:
Attachment
:
Grievance Description :
Please direct the appropriate agency to look into the matter so that wrongdoer staffs of bank may be subjected to penal proceedings. If account was opened by your applicant under prime minister jan dhan scheme ,then why state bank of India provided your applicant debit card concerned with this account if your applicant couldn’t do payment after completing all formalities required to activate the card as at latter stage S.B.I. withheld transaction on flimsy ground that S.M.S. Service is not active on my account number. Whether this is not cheating? With due respect your appellant wants to draw the kind attention of the Hon’ble Sir to the following submissions as follows. 1-It is submitted before the Hon’ble Sir that branch manager,Mirzapur city of S.B.I. Mr.Surendra Prasad articulates in its letter dated-23/09/2015 that your account is opened under prime minister jan dhan scheme so S.M.S. Services couldn’t be provided on your account number. Consequently your applicant can’t do payment through dabit card provided by S.B.I. as now S.B.I. has changed its stand that payment can be made only when if mobile number be registered on account number of consumer i.e. S.M.S. services must be active on the account number which is provided to those consumers not opened account under prime minister jan dhan scheme. 2-It is submitted before the Hon’ble Sir that why your applicant was provided debit card by the state bank of India when payment through debit card was not feasible because S.B.I. was well apprised with the fact that your applicant had opened the account under prime minister jan dhan scheme. Whatever formalities were requisite to activate the debit card were completed by your applicant as prescribed by S.B.I. but now branch manager showing arbitrariness by creating own rules which is against the spirit of provisions of consumer’s protection act. Whether the act of bank staffs is not tantamount to cheating. In view of your applicant ,staffs of state bank of India committed the criminal of trust of your applicant. Hon’ble Sir may be pleased to take a glance of attached documents. 3-It is submitted before the Hon’ble Sir that why state bank of India is adopting discriminatory/biased approach with its consumers who opened account under prime minister jan dhan scheme. When the terms and condition set up by state bank of India to activate debit card was fulfilled then why still debit card of your applicant was not activated by erring bank staff. Whether this is not corruption that if concerned may not be provided bribe ,then nothing move forward in this democracy. Whether enquiry can’t be ordered to check the roles of concerned bank staffs. If S.B.I. had not to activate the debit card ,then why debit card was provided to your applicant? Please take a glance of attachments with this representation.
 भवदीय Regards,  
उप महा प्रबन्धक   Deputy General Managerग्राहक सेवा विभाग   Customer Service Department                                          16 वी मंजिल, कॉर्पोरेट केंद्र   16th Floor, Corporate Center मुंबई -400021    Mumbai 400 021 फ़ैक्स: 022-22742431  FAX No. 022-22742431

2 comments on Prime minister jan dhan scheme is a lucrative cheating which provides zero facility as well curbs consumer rights

  1. Whether our consumer rights are safe if accounts are opened under prime minister jan dhan scheme. I will never on the basis of available document.cmadminr2.zovns@sbi.co.in
    Nov 30 (6 days ago)

    to me, agmcustomer.lh.
    Dear Sir,

    Sir referred account No.34645721675 was opened {SB TINY-OD-GEN-PUB IND-ALL-INR} with product code [1611-1411]
    This type of account is devised in SBI for mass rural public of country, having no accounts anywhere, most of them illiterate and poor,
    even it is based on bio-metric operation with limited amount, to avoid complication of using voucher’s etc. As the SMS facility is based
    on multi mobile service provider’s, they charge for it, and ultimately it will shift to the poor customer’s, SMS facility is not enabled
    with this product. In addition to this, Rupay Debit Card issued with above product, is also having limited transactions merchant facilities.

    Therefore we request you to please open a normal saving account and enjoy multiple platform of banking like Saving Plus, Internet Banking, Mobile Banking etc.

    Thanks and Regards

    CM Admin
    R-II, A O Varanasi

  2. Whether it is justified that if you have opened accounts under prime minister jan dhan scheme, then facilities made available to consumers of state bank of Indira will not be made available to you as well if you want facilities. then change your account accordingly suggested by branch manager of state bank of India. On paper they provide shopping facilities on account but that is sheer cheating.

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