[Resolved]  SBI Credit Card Department — Credit Card Fraud

Address:

Mumbai City, Maharashtra

I have been using SBI credit card (Card Number: xxxx xxxx xxxx 2420). On 6th of Feb. 2013, while working at office, I got a massage and email ( at 11.21 am) saying "Transaction of Rs. 3,000 is made on my SBI credit card at [protected]@WIKIMEDIA.ORG". At 11.28 am, I got a second message saying "Transaction of Rs. 13,659.93 is made on my SBI credit card at EVITERRA.COM. "

I was unaware of any such payments made by me, neither did I authorized anyone to use my credit card. Hence I immediately intimated SBI customer care regarding the FRAUD TRANSACTIONS and BLOCKED THE CARD at about 11:31 am on the same day. The customer care representative suggested me to fill up the DISPUTE FORM and send to the charge back department at SBI and assured me that if the
transactions were not done by me, it would be reverted to my account and I need not pay that amount during the billing cycle. I had send the filled form indicating both the fraud transactions to SBI CHARGE BACK DEPARTMENT on the same day.

I have registered an FIR at the local police station regarding the fraud. After about 3 months, I got the replay from SBI as

Dear Mr. Kedia,
Warm Greetings for the day!
We sincerely regret for the inconvenience caused to you on the matter addressed to us. We are committed to resolve the matter to
your satisfaction.
We would like to share with you that we have investigated the matter addressed to us regarding the disputed transactions dated
February 06, 2013 of Rs.14100.67 incurred at EVITERRA COM MOSKVA and Rs.3000.00 incurred at
[protected]@WIKIMEDIA.ORG. 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. Basis our records, the account was registered for VBV in
order to perform online transactions on December 06, 2012 and the password was sent at your registered mobile number.
Since, the said disputed transactions have been done using same online password and there has been no change found in mobile
number and online password, thus the liability for the transactions rests with cardholder.
Since the card is still in your possession, therefore the liability for the said transaction rests with you. and we urge you to clear the
outstanding balance of Rs.20756.72 at the earliest to avoid further late fee and finance charges on your card account.
Please feel free to contact us should you require any further assistance or clarification.
Yours sincerely,
Baljot Kaur
from Nodal Desk - SBI Card

What Shall I do?