SUMIT SHARMA
New member
- Bank Name
- STATE BANK OF INDIA
- Loss Amount
- 14400
- Ratings
- Opposite Party Address
- SBI , INDUSTRIAL AREA BRANCH , LUDHIANA
To
The Hon’ble District Consumer Disputes Redressal Commission
Ludhiana, Punjab
Subject: Complaint regarding unauthorized UPI transaction of ₹14,400 and deficiency in banking service
Respected Sir/Madam,
I, Kriti Sharma, am an account holder of State Bank of India. I am filing this complaint regarding an unauthorized UPI transaction of ₹14,400, which was debited from my bank account on 11.06.2026.
I state that I did not make, initiate or authorize this transaction. I also did not receive any SMS regarding the said transaction. After becoming aware of the transaction, I immediately contacted SBI and requested an investigation and refund of the disputed amount.
I subsequently approached the RBI Ombudsman, and my complaint was registered under Complaint No. N202627007006161. During the complaint proceedings, an amount of ₹7,200 was provided/credited to me. However, the total disputed transaction was ₹14,400, and therefore ₹7,200 remains outstanding.
The RBI complaint was subsequently closed vide communication dated 31.08.2026. However, I have not received satisfactory resolution regarding the remaining disputed amount.
I therefore request this Hon’ble Commission to kindly direct SBI to produce the complete authentication and transaction records relating to the disputed UPI transaction, including UPI authentication details, device details, transaction logs, UPI PIN/authentication records and SMS generation/delivery records.
I further request this Hon’ble Commission to direct the Opposite Party to refund/reimburse the remaining disputed amount of ₹7,200, along with appropriate compensation and costs for the financial loss, inconvenience and harassment suffered by me.
I am enclosing the relevant documents, including the bank statement, disputed transaction details, SBI complaint and response, RBI Ombudsman complaint documents and proof of receipt of ₹7,200.
I shall be grateful for appropriate relief in the matter.
Yours faithfully,
Kriti Sharma
Address: HOUSE NO. 6266, STREET NO. 10, HARGOBIND NAGAR, LUDHIANA
Mobile No.: 9257068785
SBI Branch: INDUSTRIAL AREA BRANCH, LUDHIANA
Account No.: 36992706973
RBI Complaint No.: N202627007006161
Date: 02-OCT-2026
Place: LUDHIANA
Enclosures:
1. Bank statement showing ₹14,400 debit
2. Disputed UPI transaction details
3. Cyber Complaint
4. RBI Ombudsman complaint acknowledgment
5. RBI closure communication dated 31.08.2026
6. Proof of receipt/credit of ₹7,200
7. Other relevant documents
The Hon’ble District Consumer Disputes Redressal Commission
Ludhiana, Punjab
Subject: Complaint regarding unauthorized UPI transaction of ₹14,400 and deficiency in banking service
Respected Sir/Madam,
I, Kriti Sharma, am an account holder of State Bank of India. I am filing this complaint regarding an unauthorized UPI transaction of ₹14,400, which was debited from my bank account on 11.06.2026.
I state that I did not make, initiate or authorize this transaction. I also did not receive any SMS regarding the said transaction. After becoming aware of the transaction, I immediately contacted SBI and requested an investigation and refund of the disputed amount.
I subsequently approached the RBI Ombudsman, and my complaint was registered under Complaint No. N202627007006161. During the complaint proceedings, an amount of ₹7,200 was provided/credited to me. However, the total disputed transaction was ₹14,400, and therefore ₹7,200 remains outstanding.
The RBI complaint was subsequently closed vide communication dated 31.08.2026. However, I have not received satisfactory resolution regarding the remaining disputed amount.
I therefore request this Hon’ble Commission to kindly direct SBI to produce the complete authentication and transaction records relating to the disputed UPI transaction, including UPI authentication details, device details, transaction logs, UPI PIN/authentication records and SMS generation/delivery records.
I further request this Hon’ble Commission to direct the Opposite Party to refund/reimburse the remaining disputed amount of ₹7,200, along with appropriate compensation and costs for the financial loss, inconvenience and harassment suffered by me.
I am enclosing the relevant documents, including the bank statement, disputed transaction details, SBI complaint and response, RBI Ombudsman complaint documents and proof of receipt of ₹7,200.
I shall be grateful for appropriate relief in the matter.
Yours faithfully,
Kriti Sharma
Address: HOUSE NO. 6266, STREET NO. 10, HARGOBIND NAGAR, LUDHIANA
Mobile No.: 9257068785
SBI Branch: INDUSTRIAL AREA BRANCH, LUDHIANA
Account No.: 36992706973
RBI Complaint No.: N202627007006161
Date: 02-OCT-2026
Place: LUDHIANA
Enclosures:
1. Bank statement showing ₹14,400 debit
2. Disputed UPI transaction details
3. Cyber Complaint
4. RBI Ombudsman complaint acknowledgment
5. RBI closure communication dated 31.08.2026
6. Proof of receipt/credit of ₹7,200
7. Other relevant documents