[Resolved]  SBI Cards — Fraud online transaction with my SBI Credit Card.

Address:

Mumbai City, Maharashtra

Myself Avinash Dandekar holding SBI credit card (xxxx-xxxx-xxxx-7249) and using it over last six months. I have received telephone call on 18th April 2014 on my mobile no. [protected] on behalf of SBI offering discount card along with some gifts.The lady on phone introduced herself as Himani Sharma (contacted no.:- [protected]) from SBI and provided my card details like my name and account details etc. As I received SBI calls from random numbers I assume this was the genuine call as she provided my correct details. She offered the discount card with few gifts costing 6999/- which was suppose to be adjusted with my reward points and I did not have to pay. After some time I have received the OTP password on my mobile and I have also received the call asking the OTP password to process my card request. As person told me he has generated the OTP password for my account and it is required to process the card request with verification. Hence I have provided the same. After that I got the SMS from SBI mentioning the transaction of 6999/- made on my account. Hence I called the lady once again and she told me that amount shown on my account need not to be pay as it will be adjusted against my reward points. After few days when I did not received the so called card, I contacted SBI customer care. They told me it was Fraud call and they do not offer any discount card. Hence I told them to block my card immediately. They requested me to fill online dispute form and email to [protected]@sbi.com which I have sent on 24th April 2014. Since I did not received any reply from them I again sent the same dispute form on 29th April 2014 which was not delivered but bounce back to me after two days. After checking on Internet I found the given address was wrong and the correct address was [protected]@sbicard.com. So again on 2nd May 2014 I have sent the dispute form to [protected]@sbicard.com and [protected]@sbicard.com email addresses. Then on 8th May 2014, I have received email from SBI stating that investigation is completed. As per their investigation the made transactions are valid as they have been performed in a Secure Electronic Commerce environment and have been validated by my Card CVV and Date Of Birth over the Internet. Hence the liability for the transactions rests with cardholder. Since the card is on my name they are asking me make the above payment which I have never used. Kindly note that so far I have made all my payments which I have used on my SBI credit card before the due dates. But the above made transaction of 6999/- is not done by me and it is clear fraud transaction which was done online without my consent. I wanted to know how the person outside of SBI has generated OTP password for my account and also wanted to know how my personal card information is leak from SBI which was available to the person who is not from SBI. SBI customer care is forcing me to make this payment and also charging the late fees without giving any investigation details. It is very BAD experience and response with SBI customer care who are least bother to investigate this matter even after I declared that the mentioned disputed amount is not used by me. Since this is clear online Fraud transaction, I want SBI cards to reverse disputed amount on my account. I request you to please look in this serious fraud matter and help me to settle my dispute with SBI. Regards, Avinash Dandekar. Mobile: [protected].