State Bank Of India [SBI] — Nexus between sbi bank, sbi credit card, indoshop and transdeals

Address:

MAPUSA, GOA

I, Milan Kinlekar, had a FD with SBI bank, Mapusa, Goa of Rs. 40, 000/-. I am a disability pensioner and my husband is a daily wage earner. We live in Goa. In March 2018 SBI contacted me offering credit card saying that it would be useful in an emergency like hospitalisation.. SBI Credit Card (SBICC) had a counter inside the bank and issued a credit card. My FD was used as lien. I got lured in obtaining a credit card and lost all my savings due to Indo Shop/TransDeal questionable package of free hospital anywhere in India, fraudulent transactions and bank charges.
In April 2018 IndoShop initiated contact and offered membership which would include free hospitalisation for Rs. 8, 650/- for which I paid. I received a discounted hotel package among other irrelevant benefits from Transdeals. No mention of free hospital!
In June 2018 two unauthorised transactions of Rs, 10, 000/- each were carried out by Paytm Noida. SBICC Goa, Jaffer Shaikh refused my transaction dispute letter and directed me to nodal officer. I wanted to save the balance of my FD but Mr Jaffer refused to cancel my card until I paid Rs. 10, 104/-. FD was invoked in December 2018 after bank fees and the fraudulent withdrawals were deducted. I lost Rs.43, 000/--+.
Complaints to nodal officer, pgportal resulted in SBI alleging that I shared pin and/or OTP. This is a false allegation. Kerala High Court’s judgment of 4 February 2019 convinces me that I am not liable for unauthorised withdrawals regardless of SMS’s sent.
There are at least 4 similar complaints to Complaints Complaints platform. These complainants allege that SBI shared their confidential information.
https://www.consumercomplaints.in/state-bank-of-india-sbi-b100095
https://www.consumercomplaints.in/state-bank-of-india-sbi-b100095
https://www.consumercomplaints.in/state-bank-of-india-sbi-b100095
https://www.consumercomplaints.in/state-bank-of-india-sbi-b100095
Transdeals is an insecure site. There are several complaints under the ‘credit card’ category of Consumer Complaints platform, and even more against SBICC. When I confronted SBI Bank about giving my contact and FD details to SBICC, they denied having any relationship with SBICC, yet SBICC had their counter in SBI Bank premises.
Besides, it was irresponsible of SBI to issue me a credit card as I am a pensioner and don’t file tax returns. The fact that SBICC head office is in Delhi, IndoShop operates in Delhi and the withdrawals were made in Delhi indicates that SBI has not done enough to prevent all forms of fraud resulting in loss to its customers. More importantly SBI’s sharing my FD details and contact with SBICC constitutes a breach of confidentiality. SBI has not created a safe electronic banking environment to fight fraud. SBI has failed abysmally in its duty to protect my money and my interests.
I hope you will take cognisance of this as SBI is in denial. It is a crying shame that SBI Bank lacks the courage to attach crorepati defaulters’ assets, and even writes off huge loans, but without blinking an eye steals poor people’s hard-earned money due to dishonest practices. This FD was my only saving.
Trusting that you will help me get my money back with interest and a fair compensation.
Attaching all correspondence, detailing full history. Thank you