Reserve Bank Of India [RBI] — fraud transaction through paytm

Address:

Kolkata, West Bengal, 700086

Dear Madam/Sir,

It is to inform you that on 01 Dec 2018, at about 1230 hrs, I received a phone call regarding activation of debit card in the name of my wife, which she had received few days back, but was not activated by that time. With the tricky interaction he switched over to my debit card. I acted upon as per his directions assuming that he is a SBI staff as true caller indicated ‘SBI Services’ and he also confidently asked me “as to why debit card (in the name of my wife) was not activated so far despite having received long back”. Finally, on three occasions Rs. 19, 999/-, Rs. 19, 999/- and Rs. 10, 000/- were fraudulently taken out from my account No. [protected] by using my debit card No. 459153xxxxxx5043 through Paytm. Copy of the fraud transaction as mentioned in my passbook duly highlighted is enclosed for your kind perusal, please. Accordingly, I immediately lodged a complaint with Cybercell Paytm through e-mail ([protected]@paytm.com) vide ticket No. 98486018 dated 01/12/18 (at about 1:30 PM) followed by lodging a complaint with ‘Bank Fraud Section’ Police HQ Lalbazar, Kolkata vide complaint No. 7828 dated 01/12/18. Further a message was immediately received from SBI informing me that my above mentioned debit card was blocked by them due to suspicious transaction.

Later on, since 01/12/18, Cybercell Paytm had been asking various information from time to time like Debit Card No. (first six digit and last four digit), exact time of fraudulent transaction, Passbook statement of the account with the fraudulent transaction highlighted, Transaction ID etc. Accordingly, all the information was provided by me as and when asked by them. Finally on 7th Dec 2018, I received a mail from Cybercell Paytm directing me “Kindly contact with your bank and ask them to mail us on your behalf. So needful can be done”. As requested by me, SBI Baghajatin Bazar Branch had also submitted required information, as asked by Paytm Cyber Cell, on 12 Dec 2018 through e-mail.

On 14th Dec 2018, 22nd Dec 2018 & 02 Jan 2019, I repeatedly requested Paytm Cyber Cell to intimate outcome of the investigation but unfortunately they did not bother to respond. At this, on 10th Jan 2019, at 8:11 PM, I approached Nodal Officer Paytm informing complete fact to look into the matter, who in turn forwarded the mail to Cybercell Paytm on the same day. Accordingly on 12 Jan 2019 (10:21 PM) Cybercell Paytm has again asked me to send transaction details pertaining to the subject case and also to share copy of FIR against the fraud. On 13 Jan 2019 (12:07 PM), I again furnished transaction details with information that no FIR was lodged but a complaint was lodged with ‘Bank Fraud Section’ Police HQ Lal Bazar, Kolkata vide No. 7828 dated 01 Dec 2018. In turn on 13 Jan 2019 (8:08 PM) Cybercell Paytm had informed me that “the amount has been used by the user so it cannot be refunded”. On 19 Jan 2019 (4:31 AM), Cybercell Paytm informed me that “we haven’t heard back from you on this for some time and trust that it’s been resolved by now. If not, let us know in the next 24 hours & we will be happy to sort it out for you”. Surprisingly, On 20 Jan 2019, (12:05 PM) when I tried to send reply to Cybercell Paytm mentioning the factual fact, the male got bounced back and a message was generated mentioning that “We are no longer monitoring this email address”. Having no other option to contact Cybercell Paytm, I again on 22 Jan 2019 (9:24 AM), approached Nodal Officer Paytm explaining complete details with request to forward my mail to concerned quarter for taking necessary action under intimation to me but unfortunately no action has so far been taken. It is mysterious to note that on 23 Jan 2019 (4:33 AM) Cybercell Paytm has again sent a mail to me similar to that of dated 20 Jan 2019 (12:05 PM). At that time also my mail also got bounced back generating similar message.

In view of foregoing paras, you will appreciate that acts on the part of Cybercell Paytm are shrouded in mystery from the very beginning of the case. Cybercell Paytm had asked same information repeatedly which was provided by me as well as by SBI, Baghajatin Bazar in time but, it appears to me, they did not put their sincere efforts to detect the fraud person.

In view of the above, I am earnestly requesting your intervention into the matter in order to get justice.

Your kind cooperation in this regard is highly solicited.

With regards,

Swarup Sarkar