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SBI Credit Card Fraud: I Lost ₹27,748 - What Should I Do?

Milind

Milind Vadjikar  |1123 Answers  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Feb 27, 2025

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more
Asked by Anonymous - Feb 25, 2025Hindi
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Hello sir I got a call from a number asking to enhance credit card limit for SBI yesterday. HE TOLD ME THAT he is calling from SBI credit card department main branch Pune. He asked me to go in Google Chrome online card support. I went there and he asked me to verify your cards and you can check your increase limit instantly. While I was doing so, that site shows my otp was not verified. Again he asked me for my second card details while I was doing so I found message of deduction of 18018, 4925 and 4805 respectively for Amazon India, blunt it and blim communication. I told that person he told me that this is may be bank hold your limit for some time. You will see your limit increase by tomorrow. I asked him to refund my money. They he told if I was a fraud why should I talk to you. Sir don't worry you will get your money back. Again I asked him then he threatening me if you will hipper than I will disconnect the line and he disconnected. Within half an hour I report to cyber crime which actually not supported. They cut the call 6-7 time. And I connected to sbi credit card customer care and block my card and raise a dispute for the transaction. Please guide me for further, as today I called both of them they replied that your money go to amazon and product is delivered so you will not get any refund. Go and do FIR you may got that account details.

Ans: Hello;

Please file FIR with cyber cell(helpline no. 1930)/local Police immediately.

Inform RBI and SBI about the fraud and seek help for refund.

Please be vey careful and cautious.

Never share your personal details, OTP etc on public platforms and phone calls/messages.

Best wishes;
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Ramalingam

Ramalingam Kalirajan  |8146 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 04, 2024

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I am not having any SBI debit card but daily I am receiving message to pay an amount of rs10372.54for last few years. I had written several mails to concerned AGMMumbai regarding the same and as per his message it was forwarded for na.Still I am receiving sms to pay the above said amount.I had even complained in the sbicard chargeback.com site regarding the same dozen times but in vain.I am not getting any proper reply except the standard ones. Even the name is not correct{bearing someone else name} and also I do not have the card no which I mentioned in every communication to SBI. Pl advise what option is left for me. I had also visited SBI regarding the same but they said contact SBI card section.
Ans: It sounds like you're facing a frustrating situation with recurring messages about a payment for an SBI debit card that you don't have. Despite your efforts to contact the concerned parties and raise the issue through multiple channels, you haven't received a satisfactory resolution.

At this point, since you've already contacted both the AGM in Mumbai and lodged complaints through the SBI card chargeback website without success, you may want to explore additional steps to resolve the issue:

Escalate the Matter: Consider escalating your complaint within SBI's hierarchy. You can try reaching out to higher authorities or different departments within SBI, such as customer service or dispute resolution, to seek further assistance.

Legal Assistance: If the issue persists despite your efforts and continues to cause inconvenience or distress, you may consider seeking legal advice or assistance. A legal expert can provide guidance on your rights and options for resolving the matter through legal channels.

Consumer Protection Agencies: Contact consumer protection agencies or ombudsman services that deal with banking-related grievances. They may be able to intervene on your behalf and facilitate a resolution with the bank.

Credit Reporting Agencies: If the incorrect information is affecting your credit score or financial standing, you can contact credit reporting agencies to dispute any inaccuracies and request corrections to your credit report.

Document Everything: Ensure you keep records of all your communication attempts, including emails, complaint reference numbers, and any responses received. This documentation can be valuable if you need to provide evidence or pursue further action.

Ultimately, persistence and patience may be necessary as you navigate the process of resolving this issue. Keep advocating for yourself and exploring different avenues until you achieve a satisfactory outcome.

..Read more

Ramalingam

Ramalingam Kalirajan  |8146 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 06, 2024

Money
Sir,I became to cyber fraud in regards to Telegram Prepaid Task where I was deceived and manipulated by the fraudsters under their false pretenses that they were offering me a part time work from home job .I transferred Rs 86000/- to them.I reported to the same to my Indian Bank within 3 days according to RBI guidelines via a phone call to my branch manager but he did not take my complaint initially over the phone and rudely said to visit branch.then on the 4th day I visited branch along with necessary documents and police complaint copy and a written application informing the details of fraud transaction.I also got shadow reversal in account of Rs86000/- which was reflecting as a hold or lien balance in my account then I was to advised by the manager to wait for 1 or 1 and a half month till the investigation gets completed and then he will verify the same and credit the same into my account but they did not do anything for 1 month 6 days till I again visited branch to know that the said manager got transferred to another branch and new assigned branch manager did not knew anything I again submitted a complaint and then they raised a charge back which was rejected by the beneficiary bank stating that there is no balance in the beneficiary or fraudsters account .I complained to RBI but even RBI supported bank and held me responsible and now bank also closed and rejected my claim and that shadow reversal also has been reversed by them..what shall I do?
Ans: I'm truly sorry to hear about your experience with this fraud. Cyber scams, especially in the name of part-time jobs, have become increasingly common. While you've followed the required steps, the response from the bank and RBI can be frustrating. Here’s a structured approach to help you pursue your case further:

1. File an FIR with the Cyber Crime Police Station
Since you've already filed a police complaint, ensure it’s registered as an FIR (First Information Report) if it wasn’t initially.

Visit the Cyber Crime Police Station in your city or use the National Cyber Crime Reporting Portal (cybercrime.gov.in). Online reports are also possible.

Cyber crime units often coordinate directly with banks, so they might offer additional support. The sooner they receive the full complaint, the better the chance to trace the transaction trail.

2. Gather Complete Documentation
Compile all relevant documents: initial complaints to the bank, emails, SMS messages, screenshots of Telegram conversations, bank statements showing the transaction, RBI complaint letters, and any other related correspondence.

This documentation will provide a thorough record of events, which is helpful for authorities and any additional escalations you make.

3. Escalate with the Banking Ombudsman
File a complaint with the Banking Ombudsman under the Reserve Bank of India if you haven't done so already. This is a separate avenue that might yield a different result.

To initiate, visit the RBI’s Banking Ombudsman page and follow the complaint process. Ensure your complaint is detailed, mentioning dates, bank interactions, and the specific RBI guidelines under which you initially acted.

4. Send a Legal Notice to the Bank
If the Banking Ombudsman process does not yield results, you may consider sending a legal notice to the bank. This may compel them to reconsider their stance.

Contact a lawyer who specializes in consumer or banking matters. The lawyer will draft a legal notice mentioning the bank's failure to act as per the initial commitment made by the branch manager.

Sometimes, this step pushes banks to act, as they prefer to avoid further legal disputes.

5. Approach the Consumer Forum
If the above steps don’t help, you may consider filing a complaint with the Consumer Disputes Redressal Forum in your district or state.

Since you suffered financial loss due to what may be considered negligence or delay from the bank's side, the Consumer Forum might provide some relief or compensation.

Provide all documentation and details, especially focusing on the timeline of events and the initial shadow reversal placed on your account.

6. Alert the Cyber Cell and RBI Ombudsman about Fraud Trends
To help prevent further fraud, report this Telegram scam with details to the Cyber Cell and the RBI fraud department. This may lead to a warning to banks about specific types of scams, potentially benefitting other customers in the future.
7. Stay Cautious of Follow-up Scams
Fraudsters sometimes target those affected by previous scams with promises of refunds. Stay cautious about any unsolicited communication that claims to assist with recovering the funds for an additional fee or transaction.
Finally: Be persistent and patient as you follow each step. Given the increasing number of cyber fraud cases, authorities are becoming more proactive in tackling these issues, but the process can be lengthy.

Best of luck with your efforts, and I hope your funds are recovered soon.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

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Anu

Anu Krishna  |1571 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 25, 2025

Anu

Anu Krishna  |1571 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 25, 2025

Asked by Anonymous - Mar 19, 2025Hindi
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Hi. I'm 45 years married 16 years with 2 kids . In short my wife has anger issues . She gets annoyed if anything happens against her wish. No one in family can talk to her. She dosen't want to listen anyone's advice or opinion. I work 7 days a week to financially support my family. Also help her in kitchen and household works, Buy groceries. She still complains and get angry. Her behavior becomes rude wherever my parents visit us. She hides all the food or not to buy. I aways tried to calm and relax her to keep our relationship happy. There are months passes without sex She still complain I'm doing nothing for family. I love her and my kids so keep on tolerating. I tried to talk to her but she never cared and told if i wush can leave her as I'm selfish. I need your advice and opinion to bring my meaningful
Ans: Dear Anonymous,
Well, if only she could appreciate all your efforts towards the family and her. But you know what; what she could be missing is the emotional connection with you especially when you work 7 days a week...it leaves you very little time with the family or for her. This can cause a lack within your relationship. Is it possible for you take a day off so that you have time for yourself and your family? It maybe the same job or something else. I know that changes are hard to make BUT at the end of the day, relationships especially the core ones matter the most, don't they?
This change can definitely put things back together and give your wife the opportunity to be with you and appreciate you even more...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Nayagam P

Nayagam P P  |4377 Answers  |Ask -

Career Counsellor - Answered on Mar 25, 2025

Asked by Anonymous - Mar 24, 2025Hindi
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Career
I got 97.75%ile in jee mains with obc ncl category is it sufficient for nit Hamirpur cse seat?
Ans: Here is, How to Calculate Your Rank, based on your JEE Percentile & How To Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results was declared, many students and JEE applicants started asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile (Convert your percentile into All India Rank with the help of a formula available in Google).
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates Option also and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

If and whenever time permits, watch 180+ EduJob360 YouTube Videos on 'Jobs | Careers | Education'.

Hope this guide helps! All the best for your admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

...Read more

Nayagam P

Nayagam P P  |4377 Answers  |Ask -

Career Counsellor - Answered on Mar 25, 2025

Listen
Hello sir. I got 90.87 percentile in JEE mains 2025. I belong to obc category and gender male. Can I get COEP , Pune? Low branch would also be okay or can I get nit Agartala??
Ans: Pushkar, Here is, How to Calculate Your Rank, based on your JEE Percentile & How To Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide

Once the January JEE Main session results was declared, many students and JEE applicants started asking common questions about eligibility for specific institutes (NITs, IIITs, GFTIs, etc.) based on their percentile, category, preferred branch, and home state.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile (Convert your percentile into All India Rank with the help of a formula available in Google).
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
Step 2: Access JoSAA’s Official Opening & Closing Ranks
Go to Google and type: JoSAA Opening & Closing Ranks 2024
Click on the first search result (official JoSAA website).
You will land directly on JoSAA’s portal, where you can enter your details to check past-year cutoffs.
Step 3: Select the Round Number
JoSAA conducts five rounds of counseling.
For a safer estimate, choose Round 4, as most admissions are settled by this round.
Step 4: Choose the Institute Type
Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
Step 9: Adjust Your Expectations on a Safer Side
Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
Example Calculation:
If the Opening & Closing Ranks for NIT Delhi | Mechanical Engineering | OPEN Category show 8622 & 26186 (for Home State), consider adjusting them to 8300 & 23000 (on a safer side).
If the Female Category rank is 34334 & 36212, adjust it to 31000 & 33000.
Follow this approach for Other State candidates Option also and different categories.
Pro Tip: Adjust your expected rank slightly lower than the previous year's cutoffs for realistic expectations during JoSAA counseling.

If and whenever time permits, watch 180+ EduJob360 YouTube Videos on 'Jobs | Careers | Education'.

Hope this guide helps! All the best for your admissions!

Follow RediffGURUS to Know more on 'Careers | Health | Money | Relationships'.

...Read more

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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