How to report unauthorised transaction in SBI?

report unauthorised transaction in sbi

state bank of India complaintHow to report unauthorised transaction in SBI?

Have you ever gone through the trauma of getting up in the morning and finding unexpected transaction messages in phone from your Bank saying that some amount of money has been deducted on account of buying something you didn’t purchase!

You don’t understand what has happened and how? Your world starts to fall apart as it was your hard-earned money.

Such instances have become too common in India, not only in SBI but almost in all the leading banks. According to a report by Economic Times, there have been 52,000 bank fraud or unauthorised transaction cases in India between March-December in 2019.

state bank of India complaint

Obviously, the figures are quite alarming, right?

What is a fraud or unauthorised transaction?

A fraud or unauthorised transaction is when a transaction is performed using your banking details, but you did not perform it.

Recently CSITE (Cyber Security & Information Technology Examination) released a worrisome alert that over 1.3 million debit and credit card data of Indians is available for purchase on the dark web.

However, soon after this, RBI has informed all the major banks of India to tighten the security to minimize these fraud transactions.

What should you do when an unauthorised transaction happens in your Bank account?

If an unauthorised transaction happens in your bank account, you must follow the below mentioned steps:

Step 1.  Inform your Bank immediately
Inform your bank within the three days of fraud. You can inform them via SMS, email, toll-free number, customer care, visit their website, or simply by visiting their closest branch.

Step 2. Analyse your Account activity
This step will be essential to analyze that where did you compromised your information and to keep a keen eye on the bank transactions in the statement.

Step 3. Change your Passwords & PINs
Without wasting a second, immediately change your online passwords and pins to prevent further fraud.

state bank of India complaint

How to report unauthorised transaction in SBI account?

State Bank of India is the largest and oldest public sector bank in the country, with over 41 crore saving bank accounts and 50,000+ ATMs pan India. If you have noticed any fraud or unauthorised transaction in SBI account, then here is what you have to do:

1. Firstly, call SBI toll-free numbers 1-800-11-2211 and 1-800-425-3800 and report unauthorised transaction in SBI account.

2. Secondly, visit your SBI branch and inform them about the fraud in writing.

3. Thirdly, register an online complaint.

Here is a step to step guide on how to register an online complaint to report unauthorised transaction in SBI Bank:

Step 1. Visit the SBI website.

Step 2. Login with your net banking credentials.

Step 3. As soon as the home page opens, you will see the customer care option right on the top, click it.

Step 4. When it opens up, you will find a ‘click here’ option to report unauthorised transaction in SBI. Click it and lodge the complaint.

What are the common types of Banking frauds?

Unauthorised transactions are carried out in the following ways:

1. ATM Fraud: ATM frauds refers to fraud, where the fraudster uses the innocent user’s card details to withdraw the funds using the ATM pin for the transaction. ATM frauds can happen in the following forms :

i. Card Skimming: Card skimming is a fraud where electronic card data is stolen and then is used to produce inauthentic cards to withdraw the money.

ii. Cash Shimming: A foreign device is installed on the ATM to steal the data from the chip of the withdrawer’s card. The main target is to capture the data contained in the card.

iii. ATM Malware/ Jackpotting: A malware that takes control of the ATM functions, thereby allow fraudsters to take out the cash.

state bank of India complaint

2. Credit Card Fraud: Credit card frauds happen when a fraudster steals the credit card information to make an unauthorised transaction in the name of the card beholder.

Fraudsters get their hands on the credit card information in the following ways:

I. Fraudster digs through the trash files to find the old receipts or statements that will include all your banking information and then will use the information to perform the unauthorised transaction.

II. A fraudster will take you to an unauthentic website where you would fill up your card details and then later would use the information to perform the fraud.

III. When you swipe your card at a store, your credit card details may get exposed, and you later notice an unauthorised transaction. You might wonder what happened? But by using cedit card skimmer, a frauduster can steal your information.

3. Phishing: Phishing is email trap where fraudster sets an email trap in the name of the bank or government asking for credentials. Later on, these credentials are used to penetrate your bank account.

4. CNP Fraud: CNP or card not present fraud happens when a fraudster uses your card details such as card number and expiry date to perform the unauthorised transaction via email or phone call.

5. Account Takeover: Account takeover happens when you mistakenly share your account details or your computer / mobile session with the stranger, and then they use the information to make a purchase online.

No matter what kind of fraud has happened but please report unauthorised transaction in SBI immediately. As per RBI guidelines, State Bank of India can only help if you act in timely manner.

state bank of India complaint

Conclusion

It is advised not to share your bank details with anyone because the government and bank officials would never ask for the same. However, if something unfortunate happens with you, then do not hesitate to report unauthorised transaction in SBI immediately.

But if you are unable to get any resolution from Bank even after informing them about fraud or unauthorised transactions then you should File a Complaint at Voxya.com to take legal action and approach consumer forum.

file consumer complaint india

Online Legal Advice in India

online legal advice india

During these times of locked down, we all are staying indoors. So, we wanted to know the options of getting online legal advice in India. As due to this unprecedented situation, many legal complexities are emerging around us for which we have no one to consult as even legal experts are not available.

To give you an idea, people are facing issues with their employers regarding salaries, travel agents for flight cancellation or refund, broadband service providers for speed, ecommerce stores for deliveries etc.

Thank God, there are still few online platforms working in India to provide easy access to legal consulting services and that too at very affordable prices. Today we are going to compare these online legal advice platforms and will tell you why you should use them.

So, let us jump on the list of online legal advice websites.

Top Platforms providing online legal advice in India

1. Vidhi Karya

Vidhikarya provides online legal advice via phone, email, video and chat. It is a good platform for doing discussion with a Lawyer before engaging him in your case. The service is free but you have to pay lawyer’s fee in order to get genuine legal advice.

Actually, you have to post your case details and then lawyers will reply with their advice. Though they have good number of lawyers available at their platform but sometimes it may take some time in getting responses.

There is no direct option to pay and speak to lawyer quickly. You have to first post case details and then wait for lawyers response. Their website has many sections but it looks poorly designed. One good thing is that if you do not wish your name to be visible, you can post anonymous.

https://www.vidhikarya.com

2. Kaanoon

Kaanoon can help you to set up phone consultation with a lawyer. You can talk to a lawyer on the phone and get legal advice for 30 minutes quickly. Their website is nicely designed and has a good user interface.

Also, it looks that they have good number of lawyers available at their platform but their prices looks a way too high as they charge Rs.1200/- for a 30 minute legal advice on phone.

Overall a good option to get online legal advice in India if you have budget and want a quick one-to-one phone consulting with an advocate.

https://www.kaanoon.com

3. Legistify

Legistify is an online platform where you provide your details and they will send the profiles of most suitable lawyers according to your legal issue, location and budget. Once you are satisfied with the profile, you can book consultation with any specific lawyer by paying Rs.1000/- for a 30 minutes phone session.

Though they claim large network of lawyers but it looks their portal is somewhat old and not fresh with contents. Also, the price is too much if you quickly want to get legal advice on any petty issue.

https://www.legistify.com

4. Vkeel

Like all other platforms, Vkeel also provides quick legal consultation for its users. The consultation is called Insta Advice and costs Rs.999/- for a 30 minutes telephonic session with a verified lawyer.

You can also book in-office-meeting consultation to get legal solution face-to-face. They also have a mobile app and the user interface of both – the website and the app looks great. However, they have limited number of active lawyers at their platform, which makes it less popular option for getting online legal advice in India.

https://www.vkeel.com

5. Path Legal

Path Legal provides online legal advice within minutes from its legal experts. Though the prices are at par with other players but their process is little different. They charge Rs.1000/- for a 45 minutes consultation but they have in-built Escrow system through which the amount is paid to the lawyer only if you are satisfied with the phone call.

You are required to submit your case details and pay upfront for phone advice. You will then get a payment id and the lawyer’s contact detail to talk over phone. If you are satisfied with the call, then you have to release the payment to the lawyer. Otherwise, you can request refund within 4 days after the payment.

https://www.pathlegal.in

6. Law Rato

If you want legal advice from your home, you can share your legal issue with Lawrato to get connected with expert lawyers. Their representative will get in touch with you, understand your need and will identify which lawyer can assist you.

You can go through the suggested lawyers profile and can call them directly for consultation at mutually convenient time. Though it looks like a very safe way of getting legal advice but there is no quick & direct connection with lawyers.

https://lawrato.com

7. Law Tendo

If you need a quick consultation, then use Lawtendo’s quick consult option to speak with a lawyer immediately at a small fee of Rs.600/- only. Though the price looks affordable but frankly the quality of their service can be easily guessed from their website which is poorly designed and looks outdated.

Also, it is not known how many lawyers are available in their network, which again is a weak point in their marketing. But since the price is low, you can surely try them.

https://www.lawtendo.com

8. Voxya

Last but not the least, Voxya provides a very quick & convenient way of connecting with a lawyer. Though Voxya is mainly a Consumer complaint platform but they have a separate service called Online Legal Advice, where you can send your contact details and a Lawyer will call you within few hours time.

The best part of the service is that it is very affordable. You can quickly get legal advice in just Rs.389/- for a 10 minutes session. It is very useful in cases where you just want to clear your doubts on some legal matters.

They also offer 20 minutes session with lawyer and the price is only Rs.499/-, which again is very reasonable.

https://voxya.com

Conclusion

There are many options available to you if you want to get online legal advice in India. You can easily get one-to-one private session with an experienced lawyer via phone call. If you want to play safe then you can use Path Legal’s escrow based service and get legal advice.

But if you want to get quick legal advice from lawyer directly, then go for Voxya.com as their prices are really affordable.

So if you need any legal help, then do not wait for lockdown to get over and use these platform to connect with lawyer.

Indore Consumer Case: Insurance Company Will Pay Rs.10 Lacs to Consumer (बीमा कंपनी ‘गलत तरीके से इनकार’ दावे के लिए 10 लाख रुपये का भुगतान करेगी )

Insurance consumer complaint

Indore: Consumer forum ने एक निजी insurance company को 7 अक्टूबर 2015 से 9 प्रतिशत ब्याज के साथ शिकायतकर्ता को 10 लाख रुपये क्लेम मनी (claim money) का भुगतान करने का आदेश दिया है।

Forum ने कंपनी को मानसिक उत्पीड़न के लिए 10,000 रुपये और मुकदमेबाजी में किए गए खर्च के लिए रु.2,000 रुपये का भुगतान करने का भी आदेश दिया | अध्यक्ष ओमप्रकाश शर्मा व सुमित्रा हाथीवाला की खंडपीठ ने अधिवक्ता केके चतुर्वेदी के माध्यम से दायर राजेश नायर की शिकायत पर निर्णय लेते हुए यह आदेश पारित किए गए |

चतुर्वेदी ने Indore Consumer Forum को बताया कि नायर ने 28 जनवरी, 2015 से 27 जनवरी, 2016 की अवधि के लिए Apollo Munich Health Insurance Company Limited से अपने परिवार के लिए एक व्यक्तिगत दुर्घटना बीमा पॉलिसी (individual accident insurance policy) ली थी |

चतुर्वेदी ने कहा, पॉलिसी के मुताबिक, दुर्घटना के लिए 2 करोड़ रुपये, स्थायी विकलांगता 15 लाख रुपये और अस्पताल में 1 लाख रुपये देने का प्रस्ताव था |

शिकायतकर्ता की छोटी उंगली बाथरूम के दरवाजे के पीछे फंसने के बाद उसके हाथ से कट गई थी | चतुर्वेदी ने कहा, पॉलिसी के मुताबिक कंपनी को पांच प्रतिशत कुल बीमित राशि रु2 करोड़ का भुगतान करना था अगर छोटी उंगली खराब हो गई थी |

चतुर्वेदी ने कहा, शिकायतकर्ता ने बीमा कंपनी के प्रतिनिधि को सूचित किया, उन्हें सितंबर 2015 में Apollo hospital के doctor, चित्र और संबंधित दस्तावेज से प्रमाण पत्र प्रदान किया था |

शिकायतकर्ता ने हटाई गई उंगली के लिए कैप भी बनाई थी, जिसकी कीमत उसे 19,400 रुपये थी | चतुर्वेदी ने कहा, उन्होंने बीमा कंपनी को इस बारे में सूचित किया लेकिन उसने कुछ नहीं दिया |

प्रतिवादी वकील ने कहा कि शिकायतकर्ता उपभोक्ता की श्रेणी में नहीं आता है | साथ ही शिकायतकर्ता को इस मामले में सिविल वाद भी दायर करना चाहिए था | हालांकि Consumer Forum ने प्रतिवादी वकील के दावे को खारिज कर दिया और कंपनी को बीमा राशि का भुगतान करने का आदेश दिया |

source: TOI

Recently resolved consumer complaint against online food delivery company at Voxya.

If you are looking for the solution of consumer complaint then File A Complaint Now!

Kolhapur Consumer Forum News in Hindi – Builder gets 2-year jail for not giving possession on bungalows

Kolhapur Consumer Complaint in Hindi

 बंगलों पर कब्जा नहीं देने पर कोल्हापुर बिल्डर को 2 साल की जेल 

Kolhapur (कोल्हापुर): Kolhapur district consumer redressal forum ने गुरुवार (30 जनवरी ) को, एक builder को दो साल के साधारण कारावास की सजा सुनाई और समझौते के अनुसार दो ग्राहकों को तीन बंगलों को सौंपने में नाकाम रहने पर 10 हजार रुपये का जुर्माना लगाया है | इसके अलावा Forum ने builder को उन दोनों ग्राहकों में से प्रत्येक को 50,000 रुपये का मुआवजा देने को भी कहा है, जिन्होंने complaint file की थी |

महाडिक कॉलोनी की रहने वाली पुष्पांजलि अमोल पाटिल ने बिल्डर सुनील शमराव ताते के खिलाफ 2014 में consumer forum से संपर्क किया था, जिसमें आरोप लगाया गया था कि उन्होंने उनके बीच हुए समझौते के अनुसार दो बंगलों का निर्माण पूरा नहीं किया गया है | पाटिल ने जून 2013 में मौजे नेरली में दो बंगले बुक कराए थे और जिसके लिए ताते को पांच लाख रुपये दिए थे |

इसके बाद Consumer Forum ने ताते को निर्माण पूरा करने, ऑक्यूपेंसी सर्टिफिकेट और अन्य कानूनी दस्तावेज पाटिल को देने का आदेश दिया था | हालांकि ताते इस आदेश को अंजाम देने में नाकाम रहे |

इसके साथ ही एक अन्य महिला उषा किशोर शिंगारे ने ताते के खिलाफ forum में इसी तरह की complaint file कराई थी कि उसने बंगले को बुक किया था लेकिन उनको बंगले को पूरा करके बंगले पर कब्ज़ा नहीं दिया | Forum ने इस मामले में भी ताते को इसी तरह के आदेश जारी किए थे | Forum ने ताते को 30 दिन के भीतर औपचारिकता पूरी करने को कहा था।

जब ताते Kolhapur consumer forum के आदेशों का पालन करने में विफल रहे तो दोनों ने जनवरी 2016 में Consumer protection act, section 27 के तहत Forum के आदेश का निष्पादन करने में विफल रहने के लिए उनके खिलाफ नई शिकायतें दायर कीं गयी | दोनों शिकायतों को मिलाकर Forum ने दोनों मामलों में टेट को दोषी ठहराया और दो साल साधारण कारावास का आदेश दिया | Forum ने उस पर 10 हजार रुपये का जुर्माना भी लगाया है |

Consumer Complaint Resolved Against Online Food Delivery Company at Voxya

 

Find the address of Hyderabad Consumer Court address at Voxya.com