[Resolved]  SBI — Harassment and Threats from a SBI/Tata Credit Card Company and also Non- Reversal of Fraudulent transactions.

Address:

New Delhi, Delhi

This is to bring to your notice that I was holding a SBI Credit Card for 4-5 years now and there was not any problem in particular till 9-December-2012. On 9-december-2012 around 6 pm in the evening, I saw some fraudulent online transactions on my sbi credit card and as SMS alerts were activated on mobile, I immediately informed the credit card Company and the card was blocked immediately. Customer care staff told me that I should fill a dispute form and send the same dispute form via email which I did on 10-dec-2012. After that I contacted the customer care of SBI cards and nodal officer of the SBI card many times via phone and email and never got any response from them. Customer care have always told me that a ticket has been generated and someone will contact me soon and issue will be resolved and they have been always very arrogant. Till 13-March-2013, as a good citizen I contacted the customer care and nodal Officer Divya Dhody 7 times via email and several times via phone. On 13-March-2013 to my surprise, I get an email from Divya Dhody that I should submit the dispute form for the unauthorized transactions and shocked to see that they have not even started processing my case even after 3 months from first time I contacted them and submitted the dispute form next day itself that is on 10-dec-12 and hence I replied this to the nodal officer again as well. On 30-april-2013, that means after nearly 4 months and 20 days, I got a reply from a different Nodal officer called Amit Kalra that they are not able to credit for the above-mentioned transaction, since the time frame within which the action can be initiated on a transaction is within 60 days of the transaction, whereas the above-mentioned transaction has crossed more than 60 days and I immediately called them and replied them via email that I informed customer care staff within 15 minutes when the transactions took and sent this dispute form to the nodal officer the very next day so it is the company who is at fault who didn’t take any actions even though the consumer has informed and submitted all the documents. After that I followed up many times via phone as well as sent them emails on 24-june-13, 14-aug-13, 17-aug-13, 22-aug-13 and then I was tired of contacting them and as I told them explicitly in the month of February itself that I am not using their card and will not pay any amount which I have not spent myself as this is an online fraud and responsibility of this lies with the credit card company if the card holder informs the bank within 5 working days and I informed within 15 minutes. But The company itself took months to reply me back which shows the ill-intension of the company to loot their customers like this. Hence in all from Dec-2012, I contacted them various times through phone and I have all the recordings of the phone as well and contacted them 10-15 times via email. I have proofs of all these emails and can provide hardcopy and also recordings of all calls. Now when I was contacting them, they were not replying but now they have started calling me that I have dues pending and should pay the dues and they threat me of dire consequences like spoiling my credit rating and also threat me that they will get these dues cleared with harsh methods if I do not pay them myself. Infact now one of the person also visited my house who is actually not from SBI card company but says he is from collection agency who has been hired by SBI card and threatened me to pay the bill and when I refused then he said, they will get this recovered. Also I am getting 15-20 missed calls everyday from their call center or collection agency from some gurgaon number where they do not speak when I pick the call or they just speak for few seconds and disconnect the call in between and this has become quite irritating and wastes lots of time now. I will request you to do the needful and take prompt action against such company who thinks they can harass citizens of this country with their power and can loot money from them which they have not actually spent. If I would have spent and done these transactions myself, then I would have happily paid the bill on time as I had been doing before this incident and have used their card for 4-5 years without any problem but I will not pay any amount which I have not spent and are because of online credit card fraud. Looking forward to your help in this.