[Resolved] SBI Cards — FRAUDULENT TRANSACTION IN SBI RAILWAY CREDIT CARD

bshanmu

from Delhi, Delhi

Address:

Tiruchirappalli, Tamil Nadu

Dear sir,
I have been using SBI credit cards for almost 4 years now and suddenly
on 13.02.2013, I received a SMS stating that a transaction for the
amount of Rs.17602.89/- (Seventeen Thousand Six Hundred Two rupees and
89 paisa) is made on my SBI railway card with number 4317 xxxx xxxx
1600. I have not used my card for the above transaction. Immediately
after receiving the SMS, I have intimated the customer care and blocked the card on 13.02.2013 night itself. I registered a complaint with SBI card by submitting the dispute form on 14.02.201This card was issued to me only on 19th of January 2013 and I
have used the new card only on 5th of Feb 2013 that too with IRCTC and I
have not used the card anywhere else. A similar fraud attempt was made
with my old card 4317 xxxx xxxx 8017 on 14th of January 2013 and
immediately I blocked the card and a new card has been issued on
19.01.2013 on which this fraudulent transaction has been done. 3 and I got a reply from SBI cards on 16.04.2013 and the reply
was as follows:
: Review of Retail Transaction dated 13/02/2013 at HOUSETRIP.COM LONDON
For Rs 17537.16 on your SBI Credit Card.
Dear B SHANMUGARAJAN,
This is with reference to your letter regarding the non-receipt of
credit from HOUSETRIP.COM LONDON for Rs 17537.16 on your SBI Card number
xxxx xxxx xxxx 1600. The investigation for these transactions has been
completed. We confirm that the transactions are valid as they have been
performed in a Secure Electronic Commerce environment and have been
validated by your Card CVV and Date Of Birth over the Internet; hence
the liability for the transactions rests with cardholder. The time and
status log for all Internet transactions attempted on your card is
enclosed for your reference. Since the card is still in your possession,
we urge you to clear the outstanding balance at the earliest to avoid
further late fee and finance charges on your card account. We are
therefore closing the dispute at our end. Incase of any further query on
your card account, please contact the SBI Card helpline at 39 02 02 02
or[protected]if calling from MTNL and BSNL lines). IVR Emergency
Services are available 24 hours And Customer Service representatives are
available from Monday to Saturday between 8am to 8pm. SBI Railways
Cardholders, Please call the 24 hour Railway Card Customer Care Helpline
at 39 02 12 12 or[protected]if calling from MTNL and BSNL lines).
I am really disappointed to see such a dont care attitude of SBI cards
towards the customer problems. If I have done such a transaction, I won’t
be complaining against it. The card was not used anywhere else other
than the Government of India, IRCTC website. I have not shared the card
details to anybody else as I know very well it is going to affect me
only. Also, I have visa secure password for this card and I have not
revealed the password to anybody else and I don’t know how the
transaction was completed without the password. Also, if there had been
a system of generating one time password which is sent to the registered
mobile number as it is in practice with online banking, this fraud could
have been easily averted. Hence, this is a case of security lapse from
SBI cards. I have noted that a similar fraud on the same website was
done on somebody else's card also as I understand from my internet
search.Hence, it is a clear case of security lapse of SBI cards.
Moreover, I was very much in trichy, tamilnadu and NOT in London where
the transaction was done. Also, I have intimated the details of the
fraud within one hour after the transaction was made and the dispute
form was submitted within 15 hours. So, SBI cards could have easily
stopped the payment to the merchant if they have acted immediately after
receiving the complaint. . Hence, it is to be considered as negligence
of duty on the part of SBI cards.
There were so many other issues in the way SBI cards has handled this
issue which are as follows: When the transaction is under dispute also
the bank keeps generating monthly statements including the disputed
amount along with the interest for the period which I feel is not
correct. Secondly, when the case was under investigation, I didnt understand
why the case id is changed from[protected] to[protected] suddenly by
SBI cards. Lastly, in their reply, it has been mentioned they are
enclosing all the transaction attempts made on this card, which was
actually not present..
Hence, I request you to kindly interfere and help me in getting justice by reversing the fraudulent transaction amount along with interest charged so far

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Aug 14, 2020

Complaint marked as Resolved

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Comments

James

Please don't put your last 4 digits of your credit card on the internet! You have put the first 4 digits and the last 4 digits. Enough for a crook to find all the info about you and your CC.

Bharat Kashyap

from Agra, Uttar Pradesh

SBI Cards — Cash Back Offer Declined by SBI

I have got an SBI Card# 4006 #### #### 3197.

In Sep-07 I had received a pamphlet from the company offering 3% cash back on all transactions above Rs. 2,999 done between 15-Sep-07 & 15-Dec-07. There was no upper limit on the amount of cash back, meaning thereby the more I spend on such transactions, the more cash back I would become eligible for. I even confirmed this with the phone banking officer of SBI Cards.

The scheme finished on 15-Dec-07, I am yet to get any cash back. Whenever I ring up SBI Cards, they reassure me that I will get the cash back in my "next bill". Then suddenly, when I rang them up last week, I was told that I will only get a cash back of Rs 1,500, as per the scheme conditions. When I argued that this was not part of the original terms & conditions, I was asked to "prove" this. The phone banking supervisor's name was Gagan

My contentions are the following:
1. Why did SBI Cards change scheme details after the scheme had finished?
2. The very fact that even 2.5 months after the scheme finished, I have not received the cash back shows that they were eveluating their losses/ expenses for this promotional scheme, and decided to cut back their losses by imposing an upper limit

Request you to please look into this.

Sajeev.Aiyappan

SBI Cards — Given Credit Card Statement with an amount that never reached me

I 'am a SBI Credit Card Holder for the past 8 months. I have been a loyal customer of SBI cards and has been regular with my payments.

In the month of Jan I got a call from one of the customer service executive regarding easymoney demand draft facility provided by SBI Cards.

According to the representative I can avail the facility interest free for one month. So I opted for Rs. 20,000 as a pilot to know the benefit provided by your service.

I placed the request in Jan 2008, the representative told me I will have to pay back the amount within one month of me receving the Demand Draft. I was in unison with the service.

I was expecting the DD to come in the month of Jan 2008, but to my dismay the DD never reached me , and to add anger to my disappointement, I got the SBI Card statement in the month of February with the DD amount of Rs20,000 added to my outstanding amount to be paid .I called up the SBI representative and told my concern, he assured me that the things will be sorted out and I need to pay only the amount other than that of the Rs 20,000 (worst money scheme).

Now in the month of February ,I got a call from the office mail room , stating that there is a mail from SBI. I got the mail and to my surprise , it contain the DD amount. The mail reached me on 25th of Feb and that too in my office address. I have given my residence address as the correspondence address to SBI Cards, so how come I receive the mail in my office address.

I called up the representative and told him, that I don't need your DD and 'am sending it back. I had mailed back the DD to SBI office at Gurgaon on 28th of February.

Now on 10th of March , I receive another credit card statement from SBI having the Rs.20,000 added to it along with the finance charges . This is really getting into me and I need an action at the earliest. I know that SBI Office at Gurgaon has received the DD that I had send back . So I would like to know what further actions I need to take to sort this whole headache.

I request all the members not to avail the facility , it is really cheating all the users

Sanjit Ranjan Das

from Pune, Maharashtra

SBI — Statement against cancelled cards, almost 4 yrs ago.

Sir/Madam,

My SBI card [protected] was terminated by me, and a letter(Ref Number: MQ[protected] was issued by them on October20, 2004 confirming the cancellation, and clearance of outstanding dues.
But a statement has been send dated 13 April, 2008, claiming outstanding dues amounting to Rs 483.34, which is totally unacceptable.
I am a retired person now, and my health has also deteriorated. I can't bear such tensions that can endanger my life.
This is for your information and necessary action.

Thanks and regards,

Sanjit Ranjan Das

BHUPINDER SINGH

from Delhi, Delhi

SBI Cards — NON ISSUE OF SETTLEMENT LETTER AGAINST CARD 4006661501209626

TO
SBICARDS

SUB NON ISSUE OF SETTLEMENT LETTER AGAINST CARD [protected]

SIR

AS TELEPHONE CALL FROM YOUR BANK ADVICE ME TO GIVE RS 7500.00 ON[protected] BY CASH RECIPT NO.9067300 BOOKNO.181346

TO YOUR AUTHORISED PERSON

HE TOLD ME THAT YOU WILL GET SETTLEMENT LETTER WITH IN NEXT 10 DAYS I AGREE

IN 3-4 MONTHS TIME I CALL MANY TIMES TO NO.GIVEN TO ME [protected] & [protected]

THEY ALWAYS TOLD ME THAT YOU WILL GET IT

ON[protected]

TELEPHONE CALL CAME FROM YOUR BANK DAMANDING MONEY AGAIN ITOLD THAT MY SETTLEMENT IS DONE ON[protected]

THEN HE SAID GIVE US 1150.00 RS TO GET YOUR OLD SETTLEMENT LETTER

I PAY RS 1150.00 RECIPT NO.10672420 BOOK NO.213449 ON[protected]

HE WRITE FULL AND FINAL SETTLEMENT BHUPINDER SINGH AND SBI CARDS

MOBILE NO.[protected]

TILL DATE I HAVE NOT RECIVED MY SETTLEMENT LETTER

BUT ON[protected] PHONE CAME PHONE NO.45528721

DEMANDING MONEY

PLEASE TRY TO SOLVE THE ISSUE

BHUPINDER SINGH

[protected]

Jagdish Prasad

from Mumbai, Maharashtra

HELLO MESSAGE — About confirm transaction

dear Sir,
I found transfer your axis bank in beneficieri a/c no-
[protected] in udaypur branch from my a/c no- [protected] to state bank of india in tranferd date 26/06/2008, amt.- 20000/- & Reference No. IR00234675.
please conform thish transction credited in beneficieri a/c no
[protected] on my mail. Credit Reference No SBINH[protected].

Thank's

kapil jaitly

from Mumbai, Maharashtra

SBI Credit Card — card settled , still getting collections call

i had sbi credit card #[protected] what is been settled for Rs.22000 and got settlment letter. account was settled on 29th august 2007 and still getting harrasment calls. i have settlment num- mumindbhp[protected] i want to file legal case for harrasment-- wat to do?????????????

Hemraj Jain

from New Delhi, Delhi

SBI Credit Card — Fraud by SBI Credit Card debt

This is with reference to my SBI credit card no. [protected] for which I have got settlement (Rs. 8000 Terrance no – delhi[protected] already. The half of payment was made with immediate effect but I used to get calls for payment at least 7-8 times in a day for payment asking for different-different amount and nobody was updated about my settlement and not having the rights information which made me harassed and I didn’t respond any such call. Finally in July08 I got a call from SBI customer care (Mr. Vinay) to make the balance payment (4000/-) and I was assured that this is your final settlement payment and no dues would remain further and you will get your no dues letter after 30 days. The same thing has been even given to me in writing.

But I am still getting constant calls with same frequency stating that payment is due and when approached to customer care they never respond and says that settlement is invalid.

So I am writing you to look into matter and seeking your assistance for the same.

Gopakumar Pandarikkal

I have an SBI platinum card. I have not used the card for last one year. Now they are telling me that I have to pay 1100 rs. they are telling that I had opted for insurance. They had send me bill some 6 months ago and I had remited 250 rs and Asked them to cancel my insurance option. They didnt do that and they are still extracting money from. their call centre executives talk like machines without any emotion or concern for my plight. Now I am blindly paying 1100 rs and asked them to cancel my card. if they dont I will have to pay them until my death or even after that.

Subbaraja

from Bengaluru, Karnataka

SBI Cards — Outstanding balance

I had taken crdit card, i have used only ontime and i paid the due.I am not using from one year.My credit card bill shows
3690/- rs i have pay, they are claimg one insurence(SBI crd insurence only).I haven't opted at all now they are telling i have to pay .Even thought my card get deactivated they are adding penalty every month.
Simply these the customer care is blaming that i had obyed that they have proof .
I dont to that to tell how to proceed can y any one give good suggestion

kamal kumar arora

from Pune, Maharashtra

Hi my name is kamal my contact no. is [protected]
i need to get a credit card i have already a SBi account it''s 4 year old plz. contact me

Pranav R. Shah

from Pune, Maharashtra

SBI Credit Card — Making Fraud in Out Standing Balance

Dear Sir / Madam,

I have taken a loan of Rs.30, 000.00 on 11/10/2007. Pre computed Interest on it is Rs.5, 100.00. So total amount shows Rs.35, 100 as loan and tenure for which is 24 months of equal installment of Rs. 1, 462.50. First installment started from 19/10/2007. Installment is due on 19th of every month. I had paid up to 19/06/2008 which means 9 installments which include Principal amount of Rs. 10, 190.24 and Interest of Rs. 2, 972.26. So there is outstanding balance of Rs. 19, 809.76 and if i include the interest for next month of Rs.255.88 then it will be comes to Rs. 20, 065.64. But statement of 19/07/2008 show outstanding balance of Rs. 21937.50. I had send many e-mails before the due date of payment but they had not replied in due time. Now i have stopped the payment but they are not solving the above problem and started charging for outstanding balance. Even i have given many phone calls at customer care but they are also not providing proper answer as they telling they does not having any authority and even did not write complain.

Secondly due to which my credibility is adversely affected. I could not put a file for loan. Due the fault of credit card division i am showing as defaulter in the record.

For above i have demanded apology letter and credit for every miscellaneous charges which they have levied.

Please do the needful as earliest so that my credibility isstopped to adversely affecting.

Thanks
Pranav Shah

Apurba Kumar Das

from Panaji, Goa

SBI Cards — Getting regular calls for cards holding by other person

Hi,
I am receiving regular calls from SBI card regarding payment of another card holder 'MR Rituparna Khaund' for last two years. It was told that my name was written in their database. I repeatedly asked SBI card to remove my name from their database. The person was my colleague since last year. And even i had not joined the company when he had taken the card. I don't know how they can add my name in his database.

I want to add that I am having my own SBI card for which I never receive such call.
Kindly help so that i can get rid of such calls.

Regards,
Apurba Kumar Das

musthafa

from Thiruvananthapuram, Kerala

please give my statement

Dr Alok Gupta

from Ratlam, Madhya Pradesh

If you're honest & sincere to repay the credit card bills promptly, NEVER opt for SBI Credit Cards. They particularly trap such customers with good payment records to harass them with unjustified alibi just to rob money. SBI has got nothing to do with these cards except lending the name, the entire working is in the fraudulent hands of the recovery agents without any communication links with SBI and SBI Cards Customer Service.

HARSHADKUMAR B LIMBAD

from Kolkata, West Bengal

SBI Credit Card — two false transaction are shown which i have not made

I am using credit card of sbi in the statement of july18,2009 i have found that below mentioned two entries are shown in my statement which i have not made i have not seen this two places and than also they debited this two amount. my card with me only than also how can this happen i am socked to know this two entries.

28/07/2009- coco darpan ahmedabad Rs.310/-
01/07/2009- drive india enter soln ahmedabad Rs.1699/-

this the largest bank india, most trusted bank of india and making most trusted blunder of india. it is very horrible

Deepak Sengupta

from Mumbai, Maharashtra

SBI Credit Card — Fraud transaction in SBI Credit card by on-line transaction

Sub: - Fraud transaction in SBI credit card no.:[protected] dt.07.09.09 by online transaction.

Sir,

I would like to inform you that my SBI Credit card No [protected] has been used by online transaction without my knowledge (Card is alongwith me) . Following are the two transactions which I received from TA SBI Card through SMS:

1. At 06:48:37 PM dated 07.09.2009: Transaction of Rs 23136.00 from Timesclassifieds.com.
2. At 06:58:25 PM dated 07.09.2009: Transaction of Rs 20188.00 from Timesclassifieds.com.

I have informed immediately within 10 – 15 minutes to the SBI Credit Card Customer Help Line “39020202” and blocked the card with immediate effect also informed the above case in detail and requested them to decline the above mentioned transactions but they ignore the same. The reference number given by them is MQ[protected]. But they had not given any assurance of reversible of the above fraud transactions. Hence I had done Police diary GDE:567 dt.:07.09.07 at Thakurpukur Police station ,Kolkata-700 061 also given a email to SBI credit card customer grievience cell (headcards-head.[protected]@ge.com) dt:08.09.07 mentioning the details.I had also received the acknowledgement from them with CaseID=[protected] dt.09.08.09 without any satisfactory reply.

Please take the appropriate action.

Thanking you,

Yours truly,

Deepak Sengupta
[protected]

Manoj Kumar Gupta

from Delhi, Delhi

SBI Cards — getting SMS for payments dues for NO CARD

It has been more than 1 year, I am getting MS from SBI cards that some payment is due on my card. I am not having any card from SBI. Once I called up their Customer Care and tried to figure out about the card, but he could not find with my details or mobile no.

shobha shibad

from Mumbai, Maharashtra

MTNL — SBI-CARD PAYMENT

The amount duw in 2005 was around INR 1136 .
we have received a call to pay INR 1567 with interest & paid by cheque INR 1567 cheque nbr 860260 dtd 15/feb/2005 & cheque was withdrawn from bank under SBI card -INR 1567 dtd 21//feb/2009.However
till date we are receiving threaninng call to pay INR 2000 immediately & not ready to listen to our request .

T.Jose Kurian

from Chennai, Tamil Nadu

SBI Cards — Harassment

I had availed balance transfer loan from SBI cards. They had wrongly captured my repayment. For two months i paid minimum amount and sent umpteen mails to their customer head. When there was no response, I stopped paying the minimum amount and the account became NPA. SBI cards started chasing thru their muscle men. meanwhile I had lodged a complaint with OMBUDSMAN. They kept silent and without hearing my version, they awarded the degree in favour of SBI CARDS. Later I agreed on a settlement to pay the amount in six instalments. I paid two instalments and now I had been served lawyer notice to appear before them in delhi, in lieu of the total outstanding.