Alishakumari26
New member
- Bank Name
- Sbi cards and payment services limited
- Customer Care Number
- 1800 180 1290
- Loss Amount
- 98229
- Ratings
- Opposite Party Address
- 3rd floor, Block A, Apeejay House, 15 Park Street, Kolkata, West Bengal, India - 700 016
To
The Hon’ble President / Member
District Consumer Disputes Redressal Commission
[District & State]
Subject: Complaint regarding credit card fraud dated 23 December, continuous bank harassment, and wrongful levy of interest and penalties
Respected Sir/Madam,
I, Alisha Kumari, respectfully submit this complaint against [Name of Bank / Credit Card Division] for deficiency in service, unfair trade practice, and mental harassment arising out of a fraudulent credit card transaction.
1. That on 23 December, a fraudulent transaction occurred on my credit card. The fraud was triggered after I accidentally clicked on a fake car overspeeding challan link, due to which my mobile phone was compromised.
2. Immediately upon noticing the fraud, I:
• Informed the bank and requested blocking of the card
• Reported the matter on the Cyber Crime portal
• Lodged a complaint with the local police station (Thana)
Copies of the cybercrime acknowledgment and police complaint are enclosed.
3. Subsequently, I received an IVR call, during which I clearly rejected/denied the transaction. Despite this, the bank has wrongfully treated the transaction as valid.
4. Even after timely reporting and full cooperation, the bank:
• Has failed to reverse the fraudulent amount
• Continues to call repeatedly and threaten recovery
• Is adding interest, late payment charges, and penalties every month, thereby illegally inflating the disputed amount
5. The said transaction was neither authorized nor benefited from by me, and as per RBI guidelines on electronic banking frauds, no liability should be fastened on the customer when fraud is promptly reported.
6. The acts of the bank amount to:
• Deficiency in service
• Unfair trade practice
• Gross negligence
• Mental harassment and financial stress
Relief(s) Sought
In view of the above, I humbly pray that this Hon’ble Commission may be pleased to:
a) Direct the bank to reverse the entire fraudulent transaction amount
b) Waive off all interest, penalties, and charges levied on the disputed amount
c) Direct the bank to stop all recovery calls, messages, and harassment during pendency of the dispute
d) Award compensation for mental harassment and litigation costs
e) Pass any other order(s) deemed fit in the interest of justice
List of Documents Enclosed
1. Credit card statement showing disputed transaction dated 23 December
2. Cyber Crime complaint acknowledgment
3. Police (Thana) complaint copy
4. Bank complaint emails / call records / IVR rejection proof
5. Any reply received from the bank
I declare that the facts stated above are true and correct to the best of my knowledge and belief.
Place: Dhanbad
Date: 24.02.2026
Yours faithfully,
Alisha Kumari
C/o Suresh Kumar Gupta
Purana bazar , ratanjee road , Dhanbad 826001
+91 878 962 4049
alisha_kumari07@yahoo.com
The Hon’ble President / Member
District Consumer Disputes Redressal Commission
[District & State]
Subject: Complaint regarding credit card fraud dated 23 December, continuous bank harassment, and wrongful levy of interest and penalties
Respected Sir/Madam,
I, Alisha Kumari, respectfully submit this complaint against [Name of Bank / Credit Card Division] for deficiency in service, unfair trade practice, and mental harassment arising out of a fraudulent credit card transaction.
1. That on 23 December, a fraudulent transaction occurred on my credit card. The fraud was triggered after I accidentally clicked on a fake car overspeeding challan link, due to which my mobile phone was compromised.
2. Immediately upon noticing the fraud, I:
• Informed the bank and requested blocking of the card
• Reported the matter on the Cyber Crime portal
• Lodged a complaint with the local police station (Thana)
Copies of the cybercrime acknowledgment and police complaint are enclosed.
3. Subsequently, I received an IVR call, during which I clearly rejected/denied the transaction. Despite this, the bank has wrongfully treated the transaction as valid.
4. Even after timely reporting and full cooperation, the bank:
• Has failed to reverse the fraudulent amount
• Continues to call repeatedly and threaten recovery
• Is adding interest, late payment charges, and penalties every month, thereby illegally inflating the disputed amount
5. The said transaction was neither authorized nor benefited from by me, and as per RBI guidelines on electronic banking frauds, no liability should be fastened on the customer when fraud is promptly reported.
6. The acts of the bank amount to:
• Deficiency in service
• Unfair trade practice
• Gross negligence
• Mental harassment and financial stress
Relief(s) Sought
In view of the above, I humbly pray that this Hon’ble Commission may be pleased to:
a) Direct the bank to reverse the entire fraudulent transaction amount
b) Waive off all interest, penalties, and charges levied on the disputed amount
c) Direct the bank to stop all recovery calls, messages, and harassment during pendency of the dispute
d) Award compensation for mental harassment and litigation costs
e) Pass any other order(s) deemed fit in the interest of justice
List of Documents Enclosed
1. Credit card statement showing disputed transaction dated 23 December
2. Cyber Crime complaint acknowledgment
3. Police (Thana) complaint copy
4. Bank complaint emails / call records / IVR rejection proof
5. Any reply received from the bank
I declare that the facts stated above are true and correct to the best of my knowledge and belief.
Place: Dhanbad
Date: 24.02.2026
Yours faithfully,
Alisha Kumari
C/o Suresh Kumar Gupta
Purana bazar , ratanjee road , Dhanbad 826001
+91 878 962 4049
alisha_kumari07@yahoo.com