Location/place: Nagpur
Name of company/service: CSIR-Central Institute of Mining & Fuel Research
There was a Fraud internet transaction of Rs. 17,926 (10,000 Russian Rubles) using my SBI Credit Card No. XXXX-XXXX-XXXX-7177 on 28/06/12 (mid night) at an overseas Merchant ‘Atika Digital Device Co, Moscow’. I got a shocking SMS from SBI cards in the morning informing about the transaction of Rs. 17,926. I immediately instructed to block the card and lodged a complaint to investigate the fraud internet transaction. I also urged the SBI cards to do stop-payment to the overseas Merchant as it was a fraud transaction.
After several reminders from my side about the outcome of the complaint to Ms. Divya Dhody, Chief Nodal Officer & Vice President, Customer Services, SBI Cards informed me the following:
“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.”
I coveyed them that I am a responsible Central Govt. employee (Principal Scientist in CSIR-CIMFR) and a disciplined user of SBI card since 7 years and I would be ready for any legal punishment if I am found guilty. I further informed that I never shared/disclosed Card CVV and Date of Birth over the Internet with anybody. I also requested the bankers to get the IP address of the system where the fraud transaction was done. There is no response from the SBI cards even after several reminders by e-mails. All the time they replied me that my complaint is under investigation and they would revert to back shortly. And all the time I got the same reply that it is a secured transaction and I am liable to pay the dues.
I informed them that I would fight for justice rather than paying for a fraud transaction. The bankers inform me to wait for few more days so that they will further investigate and conclude. The last mail on 27.9.12, I received the similar mail reply that it is a secured transaction and I am liable to pay the dues.
I also informed the banker that there are several complaints lodged by other persons in ‘Consumers Forum and Consumers Courts’ for the same amount of internet transaction (10000 Rubles) by the same ‘Atika Digital Device Co, Moscow’ during the same period i.e last week of June, 2012. I indicated the SBI cards by sending the evidences that there is an internet scam racket working to cheat customers of various bank cards and they should investigate from this perspective to bring out the facts. The SBI cards all the time ignored all my repeated complaints and mentally harassing me by sending the fraud transaction bills with huge penalties for delays, instead of finding out the actual facts and taking action on the guilty.
Therefore, I am constrained to lodge a Cyber Crime Police Complaint against the SBI Cards as well as the Merchant ‘Atika Digital Device Co, Moscow’ on the issue of fraud transaction.
I request you to further investigate the matter and take legal action against the SBI cards department as well as ‘Atika Digital Device Co, Moscow’. Kindly consider the matter on priority basis for which I am grateful to you.
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