Reserve Bank Of India [RBI] — fraud transactions which happened on 3-2-2018 in my sbi card *3712

From
Dr r anil kumar
Senior consultant diabetologist
491/40/2 39th cross 1st main 8th block jayanagar
Bangalore 560082
To,
Customer care
Reserve bank of india
Bangalore
Sir/madam,
Subject – fraud transactions which happened on 3-2-2018 in my sbi card *3712
With reference to the above subject i am informing you that two fraud transactions o[censored]sd 2697.41 and 499.52 (Total 2 lakh five thousand inr) happened in my sbi credit card without my notice. I have immediately reported to the customer service. I have also given a police compliant to cyber police bangalore. A copy of the fir is attached for your reference. I am using sbi cad since 15 years. I also want to inform you that such huge transactions are not made any time with my card. Bank should have confirmed with me before approving such foreign transactions.
As per rbi rules 2017 the customer liability is zero if the unauthorized transaction is informed to the bank within 3 days and in this case i have reported within one hour. The amount involved should be credited to the customer’s account within 10 working days pending investigation. Banks should protect the safety of the customers.
Now sbi is making me totally liable in this case as the transactions are done in electronically secure manner. My card details are copied by some persons when the card is being used by me for different purchases. I have not informed otp to anybody. The otp is hacked from my e mail id. Banks should not have sent otp to e mail. These transactions are carried out by professional electronic hackers. I have done transactions of only 25000 to 30000 in a single day. There should be limit for the amount to be approved per day. I don’t know how the sbi has approved 2 lakh and five thousand in a single day. They should have requested for the identity of the person to avoid this fraud.
In continuation of this i have contacted the merchant neteller directly as suggested by sbi after their mail. Neteller has responded and informed that sbi has not informed about these fraud transactions till now more than 40 days over since the fraud transactions have taken place. Sir sbi has not investigated but blaming the customer for no fault of mine. I am attaching a copy of the reply from neteller. I request you to kindly help me to return the money lost or limit customer liability to minimum.
3 mistakes of sbi
1. Approving 2lakh 5 thousand on a single day. There should be limit for the amount approved.
2. Sending otp to email id.
3. Not at all contacting the acquired merchant neteller customer safety is most important in electronic transactions as per rbi.

Kindly oblige and do the needful.
17-4 — 2018 yours faithfully,
Bangalore dr r anil kumar