[Resolved]  State Bank of India — Unauthorized fraudulent transactions from my NRE A/c No [protected] and ATM Card No[protected].

Address:

Patna, Bihar

Respected Sir/Madam,
[Sub: Unauthorized fraudulent transactions]
This is to inform you that our entire family has plunged into deep shock and anger with the State Bank of India. While enquiring my account over the internet banking on 9/11/2011, I was taken aback over the numerous unauthorized transactions. I rushed to the nearest State Bank of India, NRI section where I was told about the shocking news in detail. It is an extreme negligence of the bank and the irresponsibility of the bank officials that such a massive sum of Rs 31,36,000 was deducted from my State Bank of India, SPB Branch, Patna, A/c No [protected] and ATM Card No[protected]. All the transactions were done without my knowledge within three days, dates being 31/10/2011, 1/11/2011, 4/11/2011. Its hard to believe the peculiar mode of transaction. Transactions were done from ATM machine into 32 other accounts using my ATM card, which actually is in my possession. My ATM card had been cloned during during one of my POS transactions while shopping. My ‘cloned ATM card’ was used to make fraudulent transactions from Bhopal and Mathura. On 31/10/2011, Rs 40,000 was transferred from ATM to miscellaneous accounts followed by Rs 19 Lakhs on 1/11/2011 and Rs 11 Lakhs on 4/11/2011, in the similar manner (ATM to accounts). This lump sum amount was transferred into 32 different accounts and again money was withdrawn from those accounts. This clearly shows that there has been a breach in the security system of the State Bank of India. Not only has my password been hacked but also the passwords of those 32 accounts holders. Sir how can such a peculiar mode of transaction take place without the involvement of any bank officials? While all these transactions were being made, my bank didn’t even once find it necessary to inform me or find out who was making the transactions or whether the above said transactions were genuine; all this even though my mobile number and email ID are registered with my account.
It’s been seven months since this mishap took place. Being a single lady and residing in Delhi, I had been sending mails and paying regular visits to my branch in Patna where my account is registered, for an explanation; but to no avail. I approached the Ombudsman, RBI as well as mailed to the corporate branch of State Bank of India I in Mumbai. However sadly I barely got any reply even from them. This finally forced me to take legal help and advice and I lodged a Civil Writ Petition CWJC No 3406 of 2012 against the bank in The High Court, Patna. Even then my bank hasn’t done much to go into the details or find out where the fault has taken place. They just plainly have to say that I was not careful in using my card or I would have disclosed my pin code details to my kinsman! They have also gone to the level of involving my daughter. They are just playing blame game and have no answer to the 32 accounts in which the money has been transferred. No decision has been taken in the High court with regards to my case. I don’t know what should I do? My husband had kept this money for my daughter’s marriage and now I am in real trouble. I am going though severe mental trauma & stress. Please help me as I really don’t know what to do.
Thanking you,
Saleha Khatoon