SBI CREDIT CARDS ROBS A SENIOR CITIZEN A BIG AMOUNT OF RS.19475/-
RESPECTED SIR,
MY NAME IS ATANU BANERJI.MY DATE OF BIRTH IS 3RD MAY,1947. I RETIRED FROM THE POST OF JOINT SECRETARY TO GOVERNMENT OF INDIA(NATIONAL COMMISSION FOR MINORITIES) ON 31ST MAY,2007.I HAD A SBI CREDIT CARD NO.4317 5757 0927 9484.FOR MORE THAN A YEAR I WAS NOT USING THIS CARD.THE MONTHLY STATEMENT DATED 8TH OCTOBER,2015 FOR THIS CARD SHOWED OUTSTANDING OF ONLY RS.15.51 FOR WHICH THE STATEMENT ITSELF MENTIONED ’NO PAYMENT REQUIRED .’MOST SHOCKINGLY ,THE MONTHLY STATEMENT DATED 8TH JANUARY,2016 HAD AN ATROCIOUS OUTSTANDING FIGURE OF RS.19,459.49 INDICATING THE FOLLOWING TWO TRANSACTIONS:-
(I)DATE OF TRANSACTION –16TH DECEMBER,2015
TRANSACTION DETAILS---‘MOBIKWIK INR [http://WWW.MOBIKWIK.IN(CONVERT]WWW.MOBIKWIK.IN(CONVERT THIS TO FLEXIPLAY)
(2) DATE OF TRANSACTION –16TH DECEMBER,2015
TRANSACTION DETAILS---‘ZAAK EPAYMENT SER P.L NEW DELHI IN (CONVERT THIS TO FLEXIPLAY)
2.I SWEAR TO GOD ALMIGHTY THAT I DID NOT MAKE THE ABOVE TRANSACTIONS. I DO NOT KNOW THESE ORGANISATIONS(I.E MOBIKWIK AND ZAAK E PAYMENT .THEREFORE, I PROTESTED BY MAKING CALLS TO THE SBI CARD NO.1860 180 1290.THEY ASSURED THAT I WOULD BE INFORMED OF THEIR INVESTIGATION.
3.LIKE A BOMBSHELL I GOT A LETTER DATED 25TH JANUARY,2015(COPY ENCLOSED) FROM MR. ANOOP NAIR,ASSISTANT VICE PRESIDENT ,SBI CARDS .THE REFERENCE NO. OF THIS LETTER WAS Fsvg 0116006056. THIS LETTER OF MR.NAIR REFERRED TO A LETTER OF MINE WHEREAS I DID NOT SEND ANY LETTER TO SBI CARDS.THE LETTER OF MR. NAIR GAVE THE FOLLOWING WILDLY MISLEADING GROUNDS FOR REJECTING MY PROTEST:-
“IT HAS BEEN OBSERVED THAT THE TRANSACTION (WHY ONE?THERE WERE TWO TRANSACTIONS!) HAS BEEN PERFORMED IN A SECURED MANNER AS THE SAME HAS BEEN VALIDATED BY YOUR CARD CVV AND DYNAMIC ONE TIME PASSWORD (OTP) OVER THE INTERNET/IVR.FURTHER ,WE WISH TO CONFIRM THAT AS PER OUR RECORDS , THE DYNAMIC ONE TIME PASSWORD (OTP) WAS SUCCESSFULLY DELIVERED AT YOUR REGISTERED MOBILE NUMBER.TRANSACTION ALERT SMS REGARDING THE AFORESAID TRANSACTION WAS ALSO DELIVERED AT YOUR REGISTERED MOBILE NUMBER.CONSIDERING ALL OF THE ABOVE,THE LIABILITY OF TRANSACTION IN SUCH CASES LIES WITH THE CARDHOLDER.’
4.AS THE HORRIFIC,MISLEADING AND HUMILIATING LETTER OF MR. NAIR THREATENED ME OF IMPOSITION OF LATE FEE AND FINANCE CHARGES,I,OUT OF SHEER PANIC,MADE A PAYMENT OF RS.21,676.00 BY CHEQUE NO. 675069 DATED 11TH FEBRUARY,2016 DRAWN ON STATE BANK OF PATIALA,BHOWANIPUR BRANCH ,KOLKATA.
5.THE FOLLOWING POINTS WILL DEFINITELY ARISE IN THE MOND OF ANYBODY WHO WILL EXAMINE THIS CASE UNBIASED ATTITUDE:-
(I)THE LETTER OF MR. NAIR SPEAKS OF ONE TRANSACTION WHEREAS THERE WERE TWO TRANSACTIONS LISTED ABOVE .
(II) I DID NOT ASK FOR ANY ONETIME PASSWORD .WHEN I AM NOT ASKING FOR ANY OTP,WHY THE OTP MESSAGE WAS SENT TO MY MOBILE PHONE?THIS IS A BLATANT CRIME.
(III) AS I DID NOT ASK FOR ANY OTP,THE ‘SO-CALLED ‘SMS SENT TO MY MOBILE PHONE WAS IGNORED BY ME.
(III) WHY DID THE SBI CARDS NOT MAKE ANY QUERY FROM THESE ORGANISATIONS ‘WWW.MOBIKWIK.IN AND ZAAK EPAYMENT SER P.L NEW DELHI IN’ TO ASCERTAIN WHO MADE THOSE TRANSACTIONS.
(IV) HOW WITHOUT KNOWING MY CREDIT CARD NUMBER AND THE PIN NUMBER OF THE SAME CREDIT CARD, ANYBODY CAN MAKE SUCH TRANSACTIONS? IF THIS IS POSSIBLE, THEN ANYBODY CAN MISUSE ANOTHER PERSON’S CREDIT CARD .IF THIS IS A RACKET,THIS MUST BE STOPPED BY LAW AND LEGAL ACTION TAKEN AGAINST THE MISCREANTS.
(V) WHAT ARE THESE ORGANIZATIONS AND WHAT WAS THE NATURE OF THESE TRANSACTIONS?
(VI) WHAT IS ‘FLEXIPAY”?
(VI) HOW ONE CAN CONVERT TRANSACTIONS LIKE THIS INTO ‘FLEXIPLAY’
6.SURPRISINGLY,THE SBI THEMSELVES INFORMED ME THAT MY CARD WAS MISUSED.THE CARD WAS BLOCKED AND THEY DECIDED TO SEND ME A NEW CARD.IN FACT, THEY HAVE ALREADY SENT THE NEW CARD NO.4317 5757 0997 7889.
7.THE BASIC QUESTION IS HOW CAN SBI FORCE ME TO MAKE THESE TWO PAYMENTS WHEN NONE OF THESE TRANSACTIONS WERE MADE BY ME.I WANTED TO KNOW THE DETAILS OF THESE TRANSACTIONS BY CONTACTING THEIR HELPLINE NUMBER 1860 180 1290 BUT SBI HAVE NOT DISCLOSED THE DETAILS TO ME. I HAVE NOT REPEAT HAVE NOT MADE THESE TRANSACTIONS AND THEREFORE I DO NOT KNOW WHY AND TO WHOM THESE PAYMENTS WERE MADE.IF INDIA IS A CIVILISED COUNTRY HAVING A SET OF LAWS TO CATCH CRIMINALS AND PUNISH THEM, WHY CAN'T THE CRIMINAL WHO MISUSED MY CARD AND MADE FRAUDULENT PAYMENTS CANNOT BE ARRESTED AND PUT BEHIND BARS? WHY NO ACTION CANNOT BE TAKEN AGAINST THE SBI CREDIT CARD OFFICIALS WHO HAVE HARASSED A 70-YEAR OLD MAN WITHOUT ANY REASON,JUST TO EXTRACT RS. 19,475/- FROM HIM ILLEGALLY?
8. I AM A SENIOR CITIZEN.I HAVE CROSSED 69 YEARS THIS MONTH.I AM A RETIRED JOINT SECRETARY TO THE GOVERNMENT OF INDIA.
9. WILL YOU PLEASE LOOK INTO THIS CASE TO ASCERTAIN WHY THE SBI CREDIT CARDS HAD EXTRACTED RS.19, 475? FROM ME LIKE A COMMON THIEF ?WILL THIS CRIMINAL ACTION WILL GO UNPUNISHED?
10. THE CONTACT INFORMATION OF SBI CARDS &PAYMENT SERVICES PVT.LTD IS GIVEN BELOW:-
SBI CARDS &PAYMENT SERVICES PVT.LTD
DLF INFINITY TOWERS, TOWER C
12THFLOOR, BLOCK 2, BUILDING 3
DLF CYBER CITY, GURGAON 122002
TEL NO.0124-4589803/FAX NO:-0124-3987306
11. PLEASE MAIL ME A REPLY URGENTLY.
THANKING YOU, SIR.
YOURS SINCERELY,
ATANU BANERJI
59, JODHPUR PARK (FIRST FLOOR) KOLKATA-700068
23RD JULY, 2016(MOB NOS. ********34//********97)