fraud transaction

[Prakash91]

Bank Name

Central Bank of India

Loss Amount

115000

Ratings

5.00 star(s)

This is inform you that I had from google help trying to obtain bank of india FD interest certificate. Land lines given were not working tried for the mobile which was shown above the bank details 7005943687. He said he is Virat, Bank Manager and he will help to get the statements. He sent one file which he said once I open this file I can get statement. Upon opening the file I lost Rs.1,15,000/- from my central bank account 2248580143 Margao Branch and I had registered complaint with the central bank branch, and they said they have uploaded complaint on portal. From my account Rs.1,15,000/- transferred to A/C.03761260417 on 10/12/2025 around 12.18 noon. I had not received any response from central bank till now regarding transaction fraud. I had registered the complaint same day. As it is aware that if complaint registered within 24 hours the fraud transaction gets reversed but till now no action.

 

[Amanmadaan]

Subject: Final Objection to Disputed Transaction and Notice for Regulatory / Legal Escalation

Dear Sir/Madam,

This is in reference to your response regarding the disputed transaction on my SBI Card account.

I categorically reject your conclusion and place on record that the said transaction was not authorized by me. I state unequivocally that I have neither shared the OTP nor given consent to any person for carrying out this transaction. If your systems reflect OTP validation, it clearly indicates a case of cyber fraud / technological misuse, for which the cardholder cannot be held liable.

Your reply, which merely relies on OTP/CVV validation, is inadequate, non-transparent, and contrary to RBI’s customer protection guidelines. The mere occurrence of an OTP does not, by itself, establish customer authorization unless customer negligence is conclusively proven with verifiable evidence, which has not been done in this case.

I further submit that:

I reported the disputed transaction within the stipulated time.

I exercised due care at all times.

Therefore, fastening financial liability upon me is arbitrary, unfair, and legally untenable.

Accordingly, I formally state the following:

I do not accept liability for the disputed transaction.

I will not make any additional payment towards the said amount.

Any interest, penalty, late fees, or recovery action levied on my card account must be immediately stopped and reversed.

This matter must be escalated forthwith to the Grievance Redressal Cell / Nodal Officer, and a detailed written investigation report along with supporting technical evidence must be shared with me.

Please take note that failure to provide a satisfactory and reasoned resolution within the prescribed timeline will constrain me to escalate this matter without any further notice to:

The RBI Banking Ombudsman (CMS Portal), and

Other appropriate legal and regulatory authorities,
entirely at the risk and responsibility of SBI Card.

I expect SBI Card to act in accordance with law and RBI guidelines and provide a fair resolution at the earliest.

Yours sincerely,
Geetanjali Madaan
Cyber Cell Complaint No.: 32512250039941
Date of Complaint: 11/12/2025

 

[Prakash91]

This is inform you that I had from google help trying to obtain bank of india FD interest certificate. Land lines given were not working tried for the mobile which was shown above the bank details 7005943687. He said he is Virat, Bank Manager and he will help to get the statements. He sent one file which he said once I open this file I can get statement. Upon opening the file I lost Rs.1,15,000/- from my central bank account 2248580143 Margao Branch and I had registered complaint with the central bank branch, and they said they have uploaded complaint on portal. From my account Rs.1,15,000/- transferred to A/C.03761260417 on 10/12/2025 around 12.18 noon. I had not received any response from central bank till now regarding transaction fraud. I had registered the complaint same day. As it is aware that if complaint registered within 24 hours the fraud transaction gets reversed but till now no action.

My claim has been rejected by central of India stating the same is done with my negligence which is incorrect as I was not unable operate my mobile as it is hacked and bank is blaming that I had shared the details. If so many OTP received why bank has not called the customer or blocked the on going account. which means bank has supported to the scammer to make fraud transaction. Bank should refund the amount as it is completely bank fault.