SBI Credit card fraud from amazon online shopping application

yakubmh

yakubmh

New member
Bank Name
SBI credit card
Customer Care Number
1860 500 1290
Loss Amount
42872
Ratings
1.00 star(s)
Opposite Party Address
SBI Cards and Payment Services Limited, Unit 401 & 402, 04th Floor, Aggarwal Millenium Tower, E-1,2,3 Netaji Subhash Place, Wazirpur, New Delhi 110034
Respected Sir/Madam,


I am writing to file a formal consumer complaint against SBI Cards & Payment Services Ltd. for their failure to resolve a fraudulent transaction of ₹42,872 on my credit card, and for causing mental harassment through continuous demand emails despite the dispute being under investigation.

Complaint Details​


  • Bank Name: SBI Cards & Payment Services Ltd.
  • Credit Card No.: [Last 4 digits – XXXX]
  • Disputed Transaction Amount: ₹42,872
  • Transaction Date: 08 April 2025
  • Nature of Fraud: IVR phishing call claiming to be from Amazon; OTP was misused
  • Dispute Raised On: Same day (08 April 2025)
  • FIR Filed: Yes, copy attached
  • Status as per SBI: Under investigation
  • Latest Action: SBI has generated a bill including the disputed amount and is demanding payment by 05 June 2025, failing which late fees and interest are being charged.

Summary of Grievance​


  1. On 08 April 2025, I received an IVR call allegedly from Amazon stating an attempt was made to change my account password. I was asked to press “1” and later provide an OTP, after which ₹42,872 was fraudulently debited from my SBI credit card.
  2. I immediately raised a dispute with SBI Cards and filed a police complaint (FIR attached). SBI requested all documents — police FIR, SMS proof, and detailed explanation — which I submitted without delay.
  3. Despite assurance that the issue would be resolved after receiving documents, SBI has neither refunded the amount nor provided details of the transaction such as:
    • Merchant ID/TID
    • IP address and location logs
    • OTP authentication and authorization trail
  4. On 02 June 2025, SBI issued a credit card bill demanding full payment by 05 June 2025, including the disputed transaction, and started sending daily email and SMS reminders. This has caused extreme mental harassment.
  5. SBI even blocked the old card, temporarily issued a new card, credited and then reversed the disputed amount, and continued billing me unfairly.


Reliefs Sought​


  1. Immediate and permanent reversal of the disputed transaction amount ₹42,872
  2. Waiver of all interest, late payment fees, and penalties
  3. Written confirmation that the issue is closed in my favor
  4. Compensation for harassment and mental agony caused due to repeated billing and reminders during an active dispute
  5. Action against SBI Cards for negligence and deficiency in service under the Consumer Protection Act, 2019


Attached Documents​


  1. Copy of the FIR
  2. Dispute acknowledgment and communication with SBI
  3. Credit card statement showing the disputed amount
  4. Email/SMS evidence of reminders from SBI

I kindly request your honorable commission to accept this complaint and initiate appropriate proceedings against SBI Cards. I am ready to appear in person or provide further documentation if required.


Thank you for your time and support.


Sincerely,
Mohammed Yakub Harapanahalli
Bangalore, Karnataka
 
Hello @yakubmh
yakubmh said:
  1. Immediate and permanent reversal of the disputed transaction amount ₹42,872
  2. Waiver of all interest, late payment fees, and penalties
  3. Written confirmation that the issue is closed in my favor
  4. Compensation for harassment and mental agony caused due to repeated billing and reminders during an active dispute
  5. Action against SBI Cards for negligence and deficiency in service under the Consumer Protection Act, 2019
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Important Notice:
We would like to clarify that this website is not affiliated with any government authority. It is an open public platform managed by a private law firm with the aim of assisting consumers with legal guidance and support.

If you are looking to file a formal complaint or case against SBI Credit Card, we can help you understand the process and guide you in filing a case with the appropriate Consumer Forum.

Please feel free to provide details of your issue, and our team will get in touch with you to assist further.

Best regards,
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