There has been a reduction in the number of consumer complaints against banks. According to a Reserve Bank of India report, the complaints have come down by about 3% in 2012-13. State Bank of India topped the list of complaints with 20,030. HDFC Bank and ICICI Bank were the next two with 5,143 and 4,571 complaints respectively. The Banking Ombudsman Scheme 2006 Annual Report 2012-13 said in its annual report thate the highest of complaints (33%) were received against SBI group followed by other nationalized banks (31%) and private sector banks (22%). Compared to last years, there was a fall of 2% in complaints against SBI & Associates, whereas, complaints against private sector banks increased by 1%. Complaints pertaining to failure to meet commitments/non observance of fair practices code were a major ground of grievances, the report said. There was, however, a decline of 1% in complaints received on this ground in 2012-13 over the previous year. ATM/debit card complaints was the second most reason for complaints. Complaints of loans and advances, pension payments, deposit accounts, levy of charges without prior notices were other major complaints. As many as 51,000 (72%) complaints were received through post/fax/courier, while 11,381 (16%) via e-mail and 8,160 (12%) cases were filed online.