SBI Credit Card — unauthorised transaction success even after by opposing many calls and dispute

girijadba

from Noida, Uttar Pradesh

Address:

Plot No 112, Nyaya Khand-1, Ghaziabad, Uttar Pradesh, 201014

Dear sir/ma'am,

Within one week of receiving the sbi credit card ([protected]), two fraud transactions were done by some body through my credit card in the night of 07/12/2017 at 11.15 pm that time i was sleeping. Next day morning (08/12/2017) when i seen my mobile, i seen two unread sms sent by sbi one for transaction of rs 10000 and second for rs 9999.

I had neither given my mobile to anybody nor told otp to anybody even i seen my mobile next day in the morning. But immediately same day at 11.00 am i informed and checked with bank / customer care then i knew that transaction were really done successfully by somebody with my credit card number.
I immediately asked to customer care to cancel the transactions and block the card. They did not cancel the transactions.

I logged the complaint with :
1. Sbi customer care ([protected]@sbicard.com, [protected]@sbicard.com)
2. Bank’s ombudsman (New delhi),
3. Police station (Ssp office ghaziabad)
4. Consumersathi.com
5. Nodal officer of credit card

Sbi charge back team did wrong investigation and imposed that amount on me to pay. Banking ombuds was also agree with sbi credit card’s statement and said ok.

Credit card no was : [protected]

Thanks & regards
Girija shanker
Mob: [protected]

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State Bank of India [SBI] customer support has been notified about the posted complaint.

Verified Support

Nov 08, 2019

State Bank of India [SBI] Customer Care's response Dear Customer, Your concern is o[censored]tmost priority to us and we are trying to resolve the same at the earliest. We request you to not mention your personal details & credit card number including PIN, OTP, CVV etc on a public forum or with anyone. You may write your concerns to us at our official e-mail id at [protected]@sbicard.com.

Verified Support

Nov 11, 2019

State Bank of India [SBI] Customer Care's response Dear Customer, We would like to share that the investigation for the said transaction has been completed.

As per our records, the dynamic One Time Password (OTP) for this transaction was successfully delivered to your registered mobile number and same was used to validate the transaction along with your card CVV, over the internet/IVR.

Considering the above, we regret to inform you that the liability of transaction(s) lies with you.

Kindly note that the outstanding balance on your card needs to be cleared soon, to avoid late fee & finance charges on your card account. Non receipt of the payment may impact your credit performance.

Do note that SBI Card will never ask you for your Dynamic OTP or Card CVV over any medium for any reason.
We request you to be vigilant on the same, to avoid misuse of your Card.

Nov 13, 2019

Updated by girijadba Dear SBI Credit Card Team,
I have already told that OTP was delivered on my mobile and on my email, when I logged complain but OTP was not seen by me. Even message was unread untill morning when I waked up.

I called the customer care in morning to cancel thsese transaction saying that I have not done these transaction.
1. He not canceled the transaction and 2. Told file the Dispute form still money not transafered in his account.
3. I filed the many Dispute form (many times, as customer care agent was always denying dispute form is not OK).
4. I asked to cancel the transaction by mail and call too.

Those transaction could be cancelled but customer care agent not canceled the transaction even always they were asking new dispute form, and telling go to police station. But not canceled the transction.
I done all things but nothing happen. If bank can not cancel any transaction then why bank takes 24 hour to clear the amount. Its happen due to idleness of bank not mine. I had informed in morning to cancel, why not bank canceled. Some times it force me to think that some SBI credit card members are involve in such type of fraud as if first time card holder is using his card in same night fraud is happening. OTP is delivering but not seen by cardholder. After filing the dispute form /complain transaction is not getting cancel.