SBI Credit Card — Fraudulently debit of Rs 8000/-

Address:	140603
Website:	sbicard.com

I had SBI Credit Card No XXXX-XXXX-XXXX-0789. 30.4.15 (4.30 PM): I received a call from this Mob no.([protected]) from SBI Credit Card Department. Bank Executive (lady) told me that bank is going to provide some gifts on behalf of reward points and no charges will be levied in your credit card account. But I told him I have no such reward points as the same got already redeemed. Thereafter Sr Manager Mohit Sharma, Credit Card Department stated that reward points are to be given from bank's side and today is last date of redemption. Further no charges will be deducted from your statement and you will soon get call from courier department. 30.4.15 (4.40 PM): I received call from ([protected]) by which Gift details were provided. It was told by them that Rs 8000/- will be debited from your statement on behalf of gifts. I did not agreed and call disconnected. 30.4.15 (4.53 PM): I received call from ([protected]), the same executive Mohit, He again told that courier department do not about the bank reward points. Courier Department will say that Rs 8000/- will be debited and bank will have to pay them Rs 8000/- against reward points. You please say 'OK' 30.4.15 (4.59 PM): I received call from ([protected]). He again provided details of gifts and asked for my address which I provided. No OTP, Credit Card No, DOB and CVV exchanged by me. 30.4.15 (6.31 PM): I received call from ([protected]), the same executive Mohit stated that an OTP has been sent on your mobile and requested for confirmation of same so that it will be redeemed from reverse points. I did not answer. Call disconnected. No OTP, Credit Card No, DOB and CVV exchanged by me. 01.05.15(11.04 AM): I received call from ([protected]) the same executive Mohit who stated that he will sent an OTP and asked me to wait. Then he stated that he will message OTP in 5-10 minutes and will recall. Call disconnected. 01.05.15(11.12 AM): I received call from ([protected]), the same executive Mohit who stated that he is message which may be confirmed and the amount will be converted into reverse points. Then he sent the number which was confirmed by me and thereafter I provided address details to lady executive. No Date of Birth and CVV exchanged by me. Now the bank had levied Rs 8000/- in my statement on the pretext that you had made online shopping with 'BestDeals' and levying interest and finance charges. Further Bank is saying that transaction is done in secured environment and I had shared OTP, DOB and CVV. But I never shared DOB and CVV to anyone, then how they debited Rs 8000/- to my account. I complained to Bank immediately on 2.5.15 (11.04 AM) after receipt of debit message of Rs 8000/-. 2.5.15 (11.32AM): Bank acknowledged mail and stated that e-mail will be sent within 5 working days. If they require more time they will keep me informed if they require more time for further investigation. Reference No was provided as 'Interaction Id- 1-[protected]' 14.5.15(4.40PM): Bank termed the Transaction as Dispute disputed transaction of Rs.8000 /- dated 01/05/2015 debited from your card account towards bestdeals4you_PayTM and assured to resolve the matter to my satisfaction. It was further assured that they had assigned a dedicated resource to investigate and resolve the concerns raised with the disputed transaction. Request reference number was provided as 1-[protected]. Further, We would also like to inform you that maximum time frame for any transaction related dispute is 120 days from the date of starting investigation. Time frame to complete the investigation told as 120 days from the date of starting investigation i.e. by 11.09.2015 28.5.15: Request reference number 1-[protected] was stated as resolved via SMS received from VM-SBICRD. 30.5.15 (2.42 PM): I made payment of credit card leaving Rs 8000/- and informed bank by mail. Reference to Request reference number 1-[protected] which was stated as resolved via SMS received from VM-SBICRD also mentioned in that mail. 15.6.15 (10.24 AM): Bank replied in reference mail dated 30/5/2015 and informed that had taken note of my request regarding transaction dispute and assured that the same was under consideration. Bank would be intimating to me by 22/6/2015 on the status of the same provided another request reference number is 1-[protected]. 24.6.2015 (7.43 PM): After having no response from the bank, sent another mail and stated that reversal of Rs 8000/- had not been made till date. 16.7.15 (12.30 PM): After having no response from the bank, sent another mail and cleared all dues except Rs 8000/- (interest and finance charges extra) and told them that without resolving the dispute levying of finance charges arbitrarily without resolving the dispute regarding Interaction Id:1-[protected]] DEBIT OF Rs 8000/-, bank adopted the methods which were not consumer friendly. It is also stated to bank neither details of purchase of Rs 8000/- had been provided to me nor charges levied on 1.5.15 had been reversed. I formally conveyed them my decision regarding surrender my SBI Credit Card with effect from 16/7/15. Further I vowed to pay pending dues of Rs 30398/- (Except Rs 8000/- and finance charges of Rs 3868/-) by due date of payment i.e. 31/7/2015. I requested on 16.7.15 to block the card immediately and made a call on[protected] for which I was provided the Request No 1-[protected]. 16.7.15 (12.55 PM): I provided audio of call recorded on 30.4.15 (4.30pm) to bank in which lady executive and another executive telling me that they are from SBI card and requested bank to initiate criminal proceedings against them. Mailed to CEO, Nodal Officer, Customer Service Head of SBI Credit Card along with customer care. 20.7.15 (11.25 AM): Received mail from Mr. Anoop Gupta, CEO who inform me that they had taken note of my complaint regarding dispute vide reference number 1-[protected] and the same will be resolved at the earliest. 25.7.15: Card cut into pieces, surrendered to bank by registered post 'RP[protected]IN’. 3.8.15 (8.11 PM): Received mail from bank stating that they have completed the investigation for the said transaction and observed that the transaction has been performed in a secured manner as the same has been validated by your card CVV and dynamic One Time Password (OTP) over the Internet/ IVR. 5.8.15 (10.29 pm): Sent mail stating total disagreement with their investigation and against requested to file criminal case against bestdeals. 5.8.15 (10.32 pm): Bank acknowledged the receipt of mail and stated that they will revert to me in 5 days regarding documents required from my end/status of case. 7.8.15 (10.00 PM): After having no response from the bank, sent another mail and stated my complaint had not been resolved till date despite the fact nothing had been purchased by me but the Rs 8000/- was debited in connivance with bestdeals by you. I informed Bank about surrender of Credit Card immediately seeing their attitude to resolve the disputed transaction. 8.8.15 (4.36 AM): Received mail from CEO that they had already taken note of complaint and same was under process regarding disputed transactions. Bank further asked to bear with them for interim period of 90 days as investigation under process. Further bank would revert within 5 days with their responses. 11.8.15 (4.57 PM): Received mail from bank stating that they have completed the investigation for the said transaction and observed that the transaction has been performed in a secured manner as the same has been validated by your card CVV and dynamic One Time Password (OTP) over the Internet/ IVR. 31.8.15: Received mail from Customer Service Head who assured that their team will revert to me through a call or an e-mail within 3 working days to resolve the matter amicably. 3.9.15 (5.17 PM): Bank informed me about card closure and balance of Rs.13, 565.30. 7.10.15 (4.03 PM): Bank informed me that investigation has been completed and stated 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; hence the liability for the transactions rests with cardholder. Moreover Bank straightway left the issue of OTP here. Bank further stated that Since the card is still in your possession, we urge you to clear the outstanding balance at the earliest to avoid further late fee and finance charges on your card account. But I never shared my card CVV and DOB over the internet as earlier submitted.