Dispute / fraudulent transaction made on my SBI Credit Card

Location/place: Chennai

I am Kathiravan Purushothaman and I am holding a SBI Platinum Credit Card since Dec 2009. I am one of the happiest and satisfied customers of SBI card so far.

As of last Dec 2012, I didn’t have any issue or disputes or dissatisfaction with SBI card. But to my shock something happened on 17th Dec 2012 by which I was totally confused, shocked and have no idea on the reliability and saftey of the card. This is due to two fraudulent online transactions which were made on my SBI Credit card on 17th Dec 2012.

I had taken all genuine, available, permissible and possible precautions from my end for the card and have not revealed any data of the card to anybody. I have insta email alert and insta mobile alert activated on my credit card for safety measures. Moreover I had used the card for my transactions with only respected and reputed establishments offline and also made online transactions only with trusted online sites.

I had already brought to SBI notice about the fraudulent transactions made on my Credit Card to SBI personal at the earliest and I have blocked the card immediately. Below is the exact details of what happened and what action taken by me on this.
Name – Kathiravan Purushothaman
CC No – xxxx xxxx xxxx 8608
– On 17th Dec 2012 midnight I got two SMS stating that two transactions (in Ruble – Russian currency) were made for amounts of Rs.56, 418.94 and 10,070.21. The time I got the SMS on my registered mobile is 18th Dec 2012 at 00.30 AM and 18th Dec 2012 at 00.33 AM. As you see I enabled the Insta Alert and email options to make sure the card is not misused by anyone.

– I immediately called SBI call center at your given number 044-39 02 02 02 on the SBI card at 00.40 A.M on 18th Dec 2012 and informed your personal about this fraud transaction and asked them to stop the payment for these transactions. I followed this as per the instructions given by you in the terms and conditions. And I clearly told them to take appropriate steps immedaitely to stop the payment as it is in foreign currency. If they could have taken some action immediately to intimate appropriate people this fraudulent transaction would have been stopped.
– But I was told by them that they will not able to do anything at that time and only after the VISA processing they can take the complaint on this. And they asked me to wait for 3 days and then send the Dispute form filled with transaction details.
– I asked them to immediately block my card and they blocked the card immediately at 00.40 AM on 18th Dec 2012. And they confirmed me that they blocked my card.
– As per instructions from SBI personal, I filled the Dispute form with the details and mailed to their id [email protected] on 20-Dec-2012.
– On 20-Dec-2012 I received mail from the [email protected] stating that they received the dispute transaction form and they are working on it and they will get back to me after 3 days. The mail reference they gave me is ‘CaseID=006-219-360’. They also mailed me that it will take about 120 Days to close the investigation.
– I contacted SBI again on 28-Dec-2012 by mail requesting for status on this. But there was no response.
– I contacted SBI again on 31-Dec-2012 over your call center and they informed me that they did not process the form for some reasons ( she also don’t know why it’s not processed) and she took a complaint and gave a Request number – MQ 0113660026686 and told me it will take another 3 days to get back to me. But as of today I didn’t receive any update from anyone from SBI. This was a shock to me how the SBI service people can be so careless on this and I really doubt if they had really started any investigation on my case.
– They also told me that when I get bill if these disputed amount if it appears I can deduct that and pay the remaining amount. This was told by the call center person who spoke to me and I was bit relieved.
– On 15-Jan-2013 I received SMS and mail stating that the Credit card bill has been generated. When I went and checked the details I noticed that these disputed transactions were also charged.
– I immediately called SBI Call center to get the current status of the case. It was shock to me that they closed the case and they told me that these transactions are made over online and they are not responsible and I need to pay the amount. I didn’t get any call or mail on the investigation status or update. I was not really sure if I am getting the correct feedback from SBI customer care on my case.
– I again sent mail on 15th Jan 2013 to “[email protected] “, Divya Dhody (nodal officer) and other SBI contacts [email protected] about this and I didn’t hear back any of SBI contacts except the SBI card statement.
These are things happened and now I am in total confusion where my case stand and how to proceed.

Requesting you to look into this and help me to come out of this. As I mentioned I am one of the prudent and satisfied customer of SBI customer till today. I paid all my dues without any default or any issues. Now if you notice these fraud transactions which has come as a bolt from the blue, were made on Russian Railway site where I not at all connected and I am in India and I have no connections on this. Moreover I immediately called SBI call center and blocked my card. I also confirm to you sincerely that I never shared my card details and other details about my card with anyone. This is purely a fraud transaction where no single penny of this money has been utilized by me.

Yours faithfully,
Kathir


Comments

13 responses to “Dispute / fraudulent transaction made on my SBI Credit Card”

  1. Dear Kathir,

    As discussed your case is under investigation. Please bear with us in the interim period. Kindly call SBI Cards helpline for further assistance.

    Thanks and Regards,
    SBI Cards.

  2. Kathir Avatar
    Kathir

    Dear SBI,

    I got reply from SBI on 1st Mar 2013 which says following……which says i am liable to pay the amount….I am very much disappointed by seeing this reply and making me liable for the amount which i am not benifited in any way. Moreover you can see hundreds of complaints ( in internet) reflecting the same portal (WWW.RZD.RU ) where the fraudelent transactions been done and you are making me liable for this. I am very much disappointed with the kind of support you do for your customers.

    Is there any way i can proceed further in this and seek some help from SBI?

    Rgds,
    Kathir

    —————-
    Dear MR KATHIRAVAN PURUSHOTHOMAN ,This is with reference to your letter regarding the non-receipt of credit from http://WWW.RZD.RU for Rs Rs 56418.94 and Rs 10070.21 on your SBI Card number XXXXXXXXXXXXXXXXXXXXX8608.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.

    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 1860 180 1290 (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 1800 180 1295 (if calling from MTNL and BSNL lines).
    Thank you,Yours Sincerely

    Divya Dhody
    Chief Nodal Officer & Vice President, Customer Services
    SBI Cards P.S To know more about the SBI Card, its powerful benefits, exciting offers and exclusive discounts, you may visit us at http://www.sbicard.com or e-mail us at [email protected]
    ——————————————————————

  3. To ,
    The General Manager,
    sbi card,
    Dear Sir,
    I Vasudeo N Parvatikar have two sredit cards. The Company By name COSCHE MERCANTILE LTD NOIDA called me and offered a gift card by name dine plus. For this I was debitted Rs 6999 on my card . I have paid the same amount.
    But The Same people asked the other number and issued a new pin Number , saying the transaction is not compledted. Innocently I gave the Other card No. xxxx xxxx xxxx 2933. Immediately I was debited rs 6999 second time. Which amount by mistake credited by your sbi card. This amount has been multiplying without my mistake. I kindly request you to cancel this second time amount. I have spoken about this on the phone several time to your crdit card custmer care and other people.
    Thanking you.

  4. B Brijgopal Avatar
    B Brijgopal

    Dear SBI,

    I am B.Brijgopal(9848012149) a sbi card holder(XX5198) and i already contacted sbi cc on 18001801290 nd he asked me to file a complaint online.If this is the right place i would like to bring you to a notice that there was a fraud made with my card.

    In past i.e. on 28 march 2014 there was a transaction of 6999 which was debited from an unkown person named vikas co. after this i complained regarding this and recently on two days back i received a call frm 9250052223 and he said that the past transaction would be reversed and asked the CVV number of the card and so was provided to him by me and soon i receive a message of another 7999 debited from my account to some unkonw RMgroup(IVR) on 20 oct 14.
    Though i knew that CVV is not to be provided to others but the caller convinced me that the money could only be credited if the CVV was provided and so i had to..Is CVV to be provided to any personnel of the company for any kind of verification?

    The card was blocked by next day by me….but i would like to know whether i would receive the amount back in my account and could a new card be received on this account.And how do we stay away from such frauds as they are misusing the name of SBI and say that they are calling from SBI..i would like to get some precautions…i am aged 64 and a very old and trusted customer of your company with same trust on the company.after such frauds its difficult for me to get back the trust and i cant fight these alone so i request you please look over such problems of frauds and do the needful help towards your customer to avoid a bad impression of your company on your customers…

    the e-mail id provided is my sons as i dont have an ID..

    thanking you
    B.brijgopal
    9848012149

  5. due to fake tranjection date wise 23feb rs 1772.64 and 28feb 1627 and 6mar 1600 and 19 mar 1200 and 31mar 1200 both txn is note me facbook id du to fake is back my account

  6. ABHIJIT CHATTERJEE Avatar
    ABHIJIT CHATTERJEE

    Dear All Card holder Friends,
    I am a Card holder and also face this type of fraud, on 13/05/2015 a phone call was received by me and a lady said that she is a customer care officer and she said that my card is blocked soon and they are issued a new card with bonus point of old card and extra bonus point to be available and for that she asked my card details for verification and I say the details like a big fool. it is near about 10.30 A.M.
    On 1.50 P.m. that lady ring me further and said that to effect this type of benefit into the new card a tranjaction to be required but this tranjaction is only for paper work not to be added with my monthly bill, After that I received a message contain one time pass word and she asked the password and again I share the password like a Fool. and after that A message received from card that Rs.7883/- was debited to my card account . A alert mail received in to my email and I contact with customer care officer and he agreed to view my card statement that yes there is a fraud tranjaction made and he blocked my card and received a complain and said to contact after 72 hrs. I see my card details online on 14 and 15 th may its shown memo debit and on 16th it shown that the above said amount setteled down. Inthe mean time I also mail the merchant where that fraud are use my card details but I have not received any response from that merchant. After that I noticed the nodal officer and they said that if I shared the details then it will be payble by me but I argu with him
    my point is (1) I have not received any alert mail from card previously why they send me alert mail on particular that tranjaction ,it is possible they know that the tranjaction is fraud or the merchant is black listed (2) When we purchase from online it will be delivered minimum 24 hrs later. On 2.00 P.M. that fraud are made the tranjaction and I noticed the customer care on 5.00 P.M. so how the tranjaction was settled?
    Further I mail to the Nodal officer along with the all mail copy on 5th June and on June 6th a message received that the amount received by Bank aganist my Card, Actually they contra the tranjaction. I am very much thank full to that honest officer who are working with honestly and serve the card holder.
    At last I said to all of my card holder friends never share your card details in any circumstances.
    ABHIJIT CHATTERJEE
    [email protected]

  7. shivaprasad Avatar
    shivaprasad

    My Name is Shivaprsad N.B , 9611302944 I am holding VISA SBI Card number xxxx xxxx xxxx 2086 , My card has been hacked and Transactions has been made as follows.

    Transaction of Rs.4,996.00 made on SBI Credit Card XX2086 at VODAFONE-BILLDESK on 4 Sep 15 .
    Transaction of Rs.3,000.00 made on SBI Credit Card XX2086 at PAYTM on 4 Sep 15 .
    Transaction of Rs.3,000.00 made on SBI Credit Card XX2086 at PAYTM on 4 Sep 15

    My Card number has been hacked and transactions has been made on 4th September.

    I received calls from following numbers,+919582754400,+918942857758 , +918100620469

    I received the call in the name of SBI Card Representative regarding that my SBI card bonus points rewards has been converted to cash and I will be getting Rs. 4,996 which is directly transferred to my credit card account and because of the last higher transactions. And 6000 Rs. Credit limit increase transactions made 3000 ,3000 again.

    Initially I dint given any details but when I asked some questions about my card they have told correctly about my Last payment, balance etc. They have collected my card number CVV number and made the transactions with the help of SMS OTP sent to my mobile.

    I thought if they are telling correctly about my card it should be SBI Card representative only.

    On 07/09/15 also they have called for credit limit increase transactions. They I had got doubt and I didn’t given my OTP to them.

    I called to customer care and blocked the Card.

    I am holding other credit cards like HDFC ,HSBC also since many years , so far these kind of problems never happened. But in SBI this is 2nd time happening to me. Last time also some transactions happened by the company Name M/s. Intouch concepts Delhi for Rs. 7999 stating that again from SBI cards and they given some travelling vouchers gift set but no use and not worth beow 1000 Rs.aslo

    Really I am worried about the usage of my Card.

    I was convinced these resent transactions made on 4th sep 15 due to Exact card information by them given by the person who was telling herself and himself as SBI card representative. We people are so tied up with our busy work schedule and unable to concentrate this kind of frauds.

    I really upset ,Kindly do needful and try to find those fraud people and i thought SBI will help me to get back those transactions to my card account.

    when i call to SBI. they told they have closed the complaint iteraction id 1-2877939794 / Ref no : 1-3032947863. and they told it my mistake and cant help. I am now closing my card. and never ever come to SBI.

  8. Budheshwar prasad Avatar
    Budheshwar prasad

    I am sbi card holder .I have two accounts in sbi .An Anonymous Fraudulent calls me on 30thdec2015 at 6:00pm and says that your credit card will be renew otherwise it will be blocked itself because government has passed ordered to renew all ATM cards of all banks by the end of this year.He says that I am rbi manager from mumbai.his phone No.is9570887803.We believe all this.Then he starts asking me one by one credit card no.’date,ATM Pin code.mobile no.which is given sbi passbook. I had told all these.He asks me my mobileno. which is given on sbi passbook.After this otp no. by sms comes.he says Please tell me the six digit no. and i will issue you a new sbi atm pin code by sms.Sir I had told him OTP no.and an another Sms comes on my mobile .He requested me not to open it .Then an another SMS comes ,he asks six digit no. and I said.This he had done many times.And after transacting money from my two sbi accounts he says if you have any other account.I said ,”Yes Sir. I have two more accounts.both are of PNB banks account. one of my daughter account no.41280001001452 and my son and wife(joint account) no.-3592000100093820.Then he says these both PNB accounts will also be renewal.And starts asking me Credit Card details and mobile no. which was given in passbook.And again OTPno. by sms comes on my mobile .He asked me six digit number.I told him.After this another sms comes.He says not to open it .The Fraudulent says that when I say you to open the sms then you will open it otherwise your ATMcard will be blocked.At last he says to delete all sms.Sir ,We are innocent peoples .I don’t understand that he was transacting all amount from my four accounts (2 SBI $ 2 PNB ) from 6:00pm to 9:30pm through ECOM.The fraudulent had transacted approx. Rs.80.000 from my four accounts.On next day 31stdec 2015 ,he again calls me at 7:00pm and said me to delete all sms.At 10:00am sbi manager from jaipur calls me that some fraudulent had cheated by transaction.He says me to please beware and be alert.Fraudulent mobileNo.9570887803
    Sir,It is requested you to please take proper actions and refund my money.My contact no.-9006027473

  9. ravissinha Avatar
    ravissinha

    dearsir.iinformthattoyou.my.credit.no.517526729086657
    date19/02/2016use.themynewcard.bycilling.me30%descoutcardissue
    bysbi.onlyblocageamout.RS.6447.00pleasemydispute.amaountrecover
    in.my.credit.accouts
    sokindly.granrtmy.complant.inmyfavetr.iamalwageobligedtoyou
    thaningyou
    ravisinha

  10. Hey nice post. I hope it’s ok that I shared this on my
    FB, if not, no problem just let me know and I’ll delete
    it. Regardless keep up the great work.

  11. Vinod Avatar
    Vinod

    Hi Kathir,

    Did you got your money back?

    What are the process involved?

  12. 23 August ka refund abhi tak mila nahi hai sir jaldi refund Kara dijiya

  13. Subhash Chandra Baul Avatar
    Subhash Chandra Baul

    To,
    The Chief Branch Manager
    State Bank of India
    Subjects:Charge dispute complaint
    Dear sir,
    Most respectfully I beg to state that I am a customer of Kotulpur Branch of SBI.My account number is 11052908805. My name is name is Subhash Chandra Baul. Amazon gives a refund which don’t get I or don’t credit my account. Refund balance is 206.57 rupees. My refund reference number is 509633. Bank IFSC number is SBIN0001553. So, I get this money. You give money.
    I shall be highly obliged if you kindly grant my little prayer for my.

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