| Address: Tiruchirappalli, Tamil Nadu |
Dear sir,
I have been using SBI credit cards for almost 4 years now and suddenly
on 13.02.2013, I received a SMS stating that a transaction for the
amount of Rs.17602.89/- (Seventeen Thousand Six Hundred Two rupees and
89 paisa) is made on my SBI railway card with number 4317 xxxx xxxx
1600. I have not used my card for the above transaction. Immediately
after receiving the SMS, I have intimated the customer care and blocked the card on 13.02.2013 night itself. I registered a complaint with SBI card by submitting the dispute form on 14.02.201This card was issued to me only on 19th of January 2013 and I
have used the new card only on 5th of Feb 2013 that too with IRCTC and I
have not used the card anywhere else. A similar fraud attempt was made
with my old card 4317 xxxx xxxx 8017 on 14th of January 2013 and
immediately I blocked the card and a new card has been issued on
19.01.2013 on which this fraudulent transaction has been done. 3 and I got a reply from SBI cards on 16.04.2013 and the reply
was as follows:
: Review of Retail Transaction dated 13/02/2013 at HOUSETRIP.COM LONDON
For Rs 17537.16 on your SBI Credit Card.
Dear B SHANMUGARAJAN,
This is with reference to your letter regarding the non-receipt of
credit from HOUSETRIP.COM LONDON for Rs 17537.16 on your SBI Card number
xxxx xxxx xxxx 1600. The investigation for these transactions has been
completed. We confirm 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. The time and
status log for all Internet transactions attempted on your card is
enclosed for your reference. 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. We are
therefore closing the dispute at our end. Incase of any further query on
your card account, please contact the SBI Card helpline at 39 02 02 02
or[protected]if calling from MTNL and BSNL lines). IVR Emergency
Services are available 24 hours And Customer Service representatives are
available from Monday to Saturday between 8am to 8pm. SBI Railways
Cardholders, Please call the 24 hour Railway Card Customer Care Helpline
at 39 02 12 12 or[protected]if calling from MTNL and BSNL lines).
I am really disappointed to see such a dont care attitude of SBI cards
towards the customer problems. If I have done such a transaction, I won’t
be complaining against it. The card was not used anywhere else other
than the Government of India, IRCTC website. I have not shared the card
details to anybody else as I know very well it is going to affect me
only. Also, I have visa secure password for this card and I have not
revealed the password to anybody else and I don’t know how the
transaction was completed without the password. Also, if there had been
a system of generating one time password which is sent to the registered
mobile number as it is in practice with online banking, this fraud could
have been easily averted. Hence, this is a case of security lapse from
SBI cards. I have noted that a similar fraud on the same website was
done on somebody else's card also as I understand from my internet
search.Hence, it is a clear case of security lapse of SBI cards.
Moreover, I was very much in trichy, tamilnadu and NOT in London where
the transaction was done. Also, I have intimated the details of the
fraud within one hour after the transaction was made and the dispute
form was submitted within 15 hours. So, SBI cards could have easily
stopped the payment to the merchant if they have acted immediately after
receiving the complaint. . Hence, it is to be considered as negligence
of duty on the part of SBI cards.
There were so many other issues in the way SBI cards has handled this
issue which are as follows: When the transaction is under dispute also
the bank keeps generating monthly statements including the disputed
amount along with the interest for the period which I feel is not
correct. Secondly, when the case was under investigation, I didnt understand
why the case id is changed from[protected] to[protected] suddenly by
SBI cards. Lastly, in their reply, it has been mentioned they are
enclosing all the transaction attempts made on this card, which was
actually not present..
Hence, I request you to kindly interfere and help me in getting justice by reversing the fraudulent transaction amount along with interest charged so far
Aug 14, 2020
Complaint marked as Resolved
similar thing happen in patna at sbi digha branch ..there they told me to come after chhat puja ... now i want to ask why hav u opened the bank i[censored] cant provide service to common people??? plus rough and bad behaviour of employee ... sometime i become so much angry that i want to kill the employee...seriously !