Ref: Credit card/0708
Date 18.12.2007
To
The customer care
SBI TATA CARD
Sub: SBI TATA Card - Cheating & Failure of security system
Dear Sir
I have to state that I had been having strong faith in business ethics , social responsibility , secrecy and procedural compliance of your bank, as my experience with your bank in last six years, however incidence which occurred with me on 14.12.2007 has broken my confidence and question mark on your business ethics. We request you to go through the below paragraph whereas whole incidence is described and correct your procedures for better interest of consumer and society.
I was issued SBI TATA credit card ( Card No [protected] , Name Inamul Haque ) year back, which I kept with me to use under emergency when I run shot of fund hence forth not used at all. On 14.12.07 two executive with proper ID card of SBI visited my residence and told me
I ) You are a SBI TATA credit card holder and you have not used the card for last. Card is not issued to keep is unused.
2 ) As per our bank instruction , You are required to surrender the card, and We have come from SBI to collect the card.
Since the executives were polished and knowing the confidential information that is card not used so far, and were aware about the my address , and that they were having ID card of SBI Bank, it could make sense to believe that they are really doing their work and they have come from bank, as such I have handed over the seal pack of Credit Card to them.
As a preliminary measure I asked them to give receiving on a piece of plane paper which they agreed to do ( Attached )
I was sure enough about the credibility of executives hence did not find it important to intimate telephonically to customer care. However on 17.12.2007 I was in visit to SBI Bank , Main Branch, Bistupur where I enquired about this Not In Use Card Collection from residence, I was surprised with the attitude of staff, Nobody at all took my version seriously and nobody liked to answer anything about this. Then I got restless and my inner faith started doubting about the credibility of Card Collecting Executives. I called SBI Helpline No. 50008000 and I was updated that
1) There is purchase of 50000/- from Sri Jagdamba Store Jamshedpur on 16.12.2007
2) There is withdrawal of 20,000/- on 15.12.007
3) Some other purchases costing around 5,000/-
Above shocking news is broken my confidence and I cheated by so called disguised executives, virtually they made use of my card.
Innocent people like me is bound to be cheated as there is no security measure by bank. We line in clean and civilized colony of Jamshedpur where cheating and theft is uncommon .
Your bank is also partly responsible, as there is no security measure taken , had it not been the responsibility of bank
1. To give the verification/ confirmation call at the time of purchase to card holder when a transaction more than 20,000/- happens. Or other such control which bank like HDFC does. However SBI does not do so ,this was confirmed from your customer care,Gurgaon.
2. To send SMS to card holder when transaction occurs on card.
3. To take special security measure on card dormant/not in use for longer period like
one year.
4. To ensure secrecy of information regarding credit card and card holder. As how a person got confidential information regarding my card that it was not used for one year, the information which he used to win my confidence. Definitely it was leaked out from one or other channel of bank.
5.There must be check point if card not using since 1 year and suddenly using it maximum limit and over limit .
All banks dealing with credit card are able to ensure above security and protect their customers, this was expected from Big Corporate Like SBI as well, surely in greater interest of consumer and society, you need to introspect your system otherwise more such cases will happen.
I have contacted personally the local police station and wanted their help in this matter, police is very much ready to catch the cheater if
1. Photograph of cheater is provided – you may kindly arrange downloading photo from ATM from where person withdrew the money. This must be traced .
2. Complete address of Sri Jagdamba , Jamshedpur ( Shop) where cheater made puchase of 48,000/- so that something can be traced.
Besides above two information, I wish to hear from bank what action has been taken by bank to improve the information security system point wise so that SBI TATA card holders are secured and free from such risk.
I also expect sharing of loss caused due to inappropriate security system for which bank is liable.
With an opinion that SBI is customer driven bank & believes in feedback and improvement made in greater interest of customer and society.
Thanking You
Yours Sincerely
Inamul Haque
Credit Card No [protected]
( SBI Tata Credit Card)
Aug 13, 2020
Complaint marked as Resolved
B/7, surmandir near janakinagar,
Ellorapark-gorwa road, vadodara 390 016
Tel: [0265] 2290224,[m][protected]
Email : [protected]@rediffmail.com
24 february 2008
Needs immediate attention of the management of sbi cards.
Ref: the demand notice from your advocate m/s lawyers inc. For payment dated 14.02.2008 received on 23.02.2008
With reference to the captioned demand notice from your lawyers inc. I do not understand what actions you are going to take. The money which i have not utilised and the greatest administrative mistake from your end, on what account you are goint to punish the normal citizen. You are not replying any thing against my several communications and straight way you are sending the legal demand notice for payments, which you have wrongly debited.
Kind attn : mr. Rajiv krishnan – g. M. – sbi credit card – for immediate actions.
Received the statement dated 09.01.2008, again in which you have debited the same amount of fin. Charges, instalment of emi, interest charges etc. Please arrane to take the actions immediately to stop this wrong debits.
I received the phone call from your sbi card office new delhi before 10 days regarding the reversal of the wrong debits and it is under processed but no final response or deceision has been received till date.
Received your reply of 12.01.2008, through email, but the problem does not resolved as it is going on since seven months. Niether i am able to utilise the card nor i am getting the credit of wrong debits, the future status of my case is in the sky. No body is replying positively regarding my case. What actions i should follow, you may kindly suggest.
Every time your reply is that “within three days you will be received the answer, but three days are not completed since last 7 months. I do not understand the definition of three days which you are replying in your reply.
Please reverse the same immediately and issue the fresh credit card
Please arrange to stop the calls from your collection agency immediately.
To
The chairman & managing director
Sbicpsl urgent for immediate actions.
Post bag no: 26,
Gpo, new delhi. 110 001
Sub: reversal of all the transactions wrongly debited to my account in the month of june and july 2007.
Ref: your statements from june 2007 to december 2007, for
Credit card no: [protected]. Staement is of 09.08.2007 is pending as it is not received.
Dear sir,
With reference to the captioned subject matter please reverse all the transactions debited to my card account wrongly. The detail are as under. For which i talked to your representative mr. Arbras, mr. Prashand and mr. Kshitij not less than 90 times. But till date the actions are not initiated.
Again and again in every statement it is debited all type emi of loan and other false charges. Kindly arrange to stop further debit in my statement. And i have no heard about all the reversal of transactions debited to my card account. Take steps immediately.
Date particulars amount.
02.06.2007 encash processing 1011.24
09.06.2007 govt. Service tax on loan amt. 74.10
02.06.2007 pre – computed interest 16200.00
09.06.2007 encash emit ran pln 48 1275.00
02.06.2007 encash debit 45000.00 – temporary credit given in august 07
[the draft has been sent to mr. Prashant, sbi card, 10th floor dlf cyber city,
Dlf infinity tower – “c”, dlf phase – 2, gurgaon – 122 002]
03.07.2007 fee payment not received by due date 497.19
09.07.2007 govt. Service tax on loan amount 72.98
09.07.2007 interest charges purchases 40.78
09.07.2007 encash emi tran pln48 1275.00
02.09.2007 fee payment not received by due date 429.78
09.09.2007 govt. Service tax on loan amt. 70.72
09.09.2007 encash emi tran pln 48 1275.00
10.09.2007 fin. Charges on unpaid flexipay amt. 39.40
24.09.2007 balance debit adjustment 855.00
09.10.2007 govt. Service tax on loan amount 69.56
09.10.2007 encash emit ran pln 48 1275.00
02.11.2007 fee – payment not recd. 429.78
09.11.2007 govt. Service tax on loan amt. 68.39
09.11.2007 encash emi tran 1275.00
10.11.2007 fin. Charges on un paid flexipay amt. 39.40
03.12.2007 fee payment not received. By due date 674.16
09.12.2007 govt. Service tax on loan amount 67.20
09.12.2007 encash emi tran pln48 1275.00
10.12.2007 fin. Charges on un paid flexipay amt. 78.79
02.01.2008 fee payment not received. By due date 674.16
09.01.2008 govt. Service tax on loan amount 65.99
09.01.2008 encash emi tran pln48 1275.00
Please also stop to further debit any amount to my card statement..
Kindly take the immediate actions and reverse all the transactions immediately, otherwise i will have to take the necessary actions for the same. Please arrange to take actions immediately to reverse the entire outstanding, to avoid the legal consequences.
Thanking you,
Yours faithfully
[ramesh patel]
Copy to : 1. The chairman – sbi card – for immediate action
2. The managing director – sbi card – for immediate actions.
3. Copy to mr. Rajiv krishnan – g. M. Sbi credit card.