SBI Complaint Letter Generator — State Bank of India

To,
The Branch Manager,
State Bank of India,
[Branch Name] Branch, [Branch Code],
[Branch Address, City – PIN]

Copy to: The Principal Nodal Officer, State Bank of India, Corporate Centre, Mumbai

Date: [DD/MM/YYYY]

Subject: Formal complaint – SBI Account No. [XXXXXXXXXXX] – [YONO / ATM / UPI] transaction of Rs. [Amount] dated [DD/MM/YYYY] not reversed

Dear Sir / Madam,

I, [Your Full Name], residing at [Your Complete Address], maintain Savings
Account No. [XXXXXXXXXXX] with your branch (IFSC: [SBIN00XXXXX]). I am writing to
lodge a formal complaint regarding a transaction that has failed but for which my
account continues to stand debited.

TRANSACTION DETAILS:
• Account Number       : [XXXXXXXXXXX]
• Date and time        : [DD/MM/YYYY], [HH:MM]
• Channel              : [SBI YONO / SBI ATM ID XXXX / UPI / Internet Banking]
• Amount debited       : Rs. [Amount]
• UTR / Reference No.  : [Reference Number]
• Beneficiary / Merchant: [Name, if applicable]

WHAT HAPPENED:
On [DD/MM/YYYY] at approximately [HH:MM], I initiated the above transaction. The
transaction failed [at the ATM, where cash was not dispensed / on the YONO app,
which displayed a failure message / at the merchant, who has confirmed
non-receipt], but Rs. [Amount] was nevertheless debited from my account. I
received an SMS alert from SBI at [HH:MM] confirming the debit. The amount has
not been credited back to date, [NN] days later.

COMPLAINTS ALREADY LODGED:
1. SBI customer care on [DD/MM/YYYY] — Ticket No. [XXXX].
2. Complaint on the SBI Customer Request and Complaint Form (CRCF) portal on
   [DD/MM/YYYY] — Reference No. [XXXX].
3. Branch visit on [DD/MM/YYYY]; I was told [state what you were told].

APPLICABLE RBI POSITION:
The RBI's Harmonisation of Turn Around Time framework prescribes auto-reversal of
failed transactions within the stipulated period, with per-day compensation
payable for delay beyond it. For an ATM transaction where cash was not dispensed,
and for a failed UPI or card transaction, the prescribed reversal timeline
applies from the date of the transaction.
[Check current RBI TAT circular on rbi.org.in.]

RELIEF SOUGHT:
1. Immediate credit of Rs. [Amount] to Account No. [XXXXXXXXXXX].
2. Compensation for each day of delay beyond the prescribed reversal period.
3. Reversal of any charges, minimum-balance penalty or cheque-return charge that
   arose because of this debit.
4. A written reply within 30 days.

If the matter is not resolved within 30 days of this letter, I shall file a
complaint with the RBI Integrated Ombudsman at cms.rbi.org.in enclosing this
letter and SBI's response or the absence of one.

ENCLOSURES:
1. SBI account statement for [Month, Year] with the disputed entry highlighted
2. Screenshot of the failure message / ATM slip, if issued
3. SMS alert received from SBI
4. Copy of complaint acknowledgements, Ref. Nos. [XXXX]
5. Copy of Aadhaar / PAN as identity proof

Yours faithfully,

[Signature]
[Your Full Name]
Account No. [XXXXXXXXXXX]
Mobile: [+91 XXXXXXXXXX]
Email: [your@email.com]
Place: [City]