State Bank Of India [SBI] — Credit card fraud

Address:

Kolkata, West Bengal, 700001

Dear Sir,

I have SBI Credit Card, I received a call from this Mob no.([protected]) from Master and Visa Verification Department of SBI on 6th-feb-2016 at 10.30 am. Her name was neha sharma, she told me that my SBI card has low cash withdrawal facility and they are upgrading it with new Discount Card on behalf of my existing Credit card. And with thIs discount card I can avail 30% discount at any outlet. For this, I have to first verify my card number which they were telling with validity and last outsanding balance(I just had to verify whether its a wrong or right, they had it from before), then they asked for ivr code and sms code. They said first Bank Debit the charge of Rs.-7824/- This amount will be converted into 10 EMI (Same is already been debited).


After the transaction has already been processed, I noticed that the call came somewhere from UP(through truecaller), but the transaction has taken place in kerala. that arose a suspicious in me, I directly blocked my card through online and registered the formal complain with sbi and asked them for chargeback within 1 hr of transaction (and that was possible too, and I told them not to pay as I will not pay) they replied me that they are looking into the matters and till now merchant has not taken out any money, if by 21 days they do not take out any money, it will automatically be cancelled. Then I complain to nodal office, with the same issue and help, my complain number is 1-[protected], but they gave me the same unsatisfactory reply today 19th of February.

In this process of inquiry, i came to know that it was a confirm fraud by shopnbuymart_Epay Kerala.i tried calling them today, the phone is still active and they are doing the same thing again and again with every customer of yours. I have already spoken with my lawyer and my fellow friend(sanjeev) who is in police about this issue, they advice me to talk with bank higher authority first, if no proper action will be taken I shall go with police GD and FIR, against that fraud people as well as against bank for misusing and circulating our data with third party.


I am from a middle class family, although if I would have been from a rich family still I would not have paid any such amount whose benefit I have not taken or enjoyed. You can check from your record about me being very punctual in all the transaction.

I really don't understand why SBI gives customer details to this black listed agencies to cheat the customer and then they themselves texted us everytime no to share OTP and all. I bank would have strong management information system and strong database management system then no such activity would have occurred ever.


Today I was surprised to see that its not only me who has suffered while I was complaining in consumer forum and consumer court. Infact everyday they are making fool to many individual like me, and what bank is doing.?? simply nothing?? Its not the only responsibility of bank to give credit card to its customer, its also a responsibility of bank to keep customer information secure.


Now you might have been thinking of targeting me on different perspect like while swapping my card in retail outlet I myself has misuse the detail...right??? so let me tell you one thing very much clearly, that I have never take this card anywhere away from my home. I have used this card only for online transaction. you can check all the detail, if you can, because I have never taken my credit card to any retail outlet, so there is no chance of data being misuse by me.


I will still request you to take reverse charge with the retail for that transaction and for future to inbuilt in credit card atleast 24 hr reverse charge mechanism, where customer should be given an opportunity to do reverse of any transaction incase they feel fraud has happen after making transaction and confirming the same with the bank.


I am enclosing all the detail, of the various scam happening all around you, and you people are not taking any proper steps, rather then sending text like do not share your OTP, which unfortunately do not help in any way when the person from other side with all the details approachs it target people for cheating and doing fraud.


When customer do not pay there outstanding bank take appropriate action make all legal actions into play, but when other people are doing the same thing, bank is not making an FIR or catching the other people, infact they are not standing with there customer, they are just interested in making money with any means, that's what I can see and feel. Bank is to make people life simple rather then complicated. These things are happening since earlier 2013, as per consumer forum data. If bank would have taken proper action and had sued those people who are doing fraud, using fake sim, taking fake name, involving bank people in misusing the consumer data for selfish act, using BANK name which is NOT ALLOWED, as per ACT and LAW, then these thing would have been reduce by this time.


I would request you to check your channel before blaming your customer and when you blame your customer, then sincerely this slogan doesn't match with the bank title, as I see in many of your bank branch,

a famous slogan, by mahatma Gandhi ji,

''A customer is the most important visitor on our premises. He is not dependent on us. We are dependent on him. He is not an interruption of our work. He is the purpose of it. He is not an outsider of our business. He is part of it. We are not doing him a favour by serving him. He is doing us a favour by giving us the opportunity to do so.”


I would have paid for the transaction if I would have enjoyed the benfit. when I have not enjoyed the benfit, I am not liable to pay for the transaction, as simple as that. I am no fraud people, I am educated, and from good family background. my parents has taught me when you do some thing good/bad you should accept that. so i am not responsible for fraud transaction, as data has been misused from your side. so you people decide now whether to take away the existing credit card which I have blocked, (as i think that card information is misused and every fraud person has it) or to re-issue a new card with more security feature.


Ya, i forgot to tell you, today once again i received a call from one new number-[protected], there was the girl on the other side, and she too insist me for upgardation of my credit card(with 25% discount card on every item) when i share the story with her, that around 15 days before, i got the same call from other number and it was some kind of fraud and i am going to make an FIR, she was surprise first, and then she say lemme check then she said to forward her a copy of msg of last time in the above number. After that this cheater has also went off...and for your kind information this girl too had my details.


Hope this was enough, and i wont be harass for the same in future. take proper action in timely manner. treat your customer with respect, not like any rogue, because when your customer calls us, they do not talk in a well behave manner also. They are just interested in blaming us. Better see the other side too...


Regards,

Saquib Ejaz,

21, Bentinck street,

Kolkata -700001

[protected]

credit card number:[protected]