[Resolved]  SBI Tata Credit Card — cheating and failure of security system / there should be check system if card not using since long and suddenly drawing full limit and short period

Ref: Credit card/0708
Date 18.12.2007


To

The customer care
SBI TATA CARD
Sub: SBI TATA Card - Cheating & Failure of security system


Dear Sir

I have to state that I had been having strong faith in business ethics , social responsibility , secrecy and procedural compliance of your bank, as my experience with your bank in last six years, however incidence which occurred with me on 14.12.2007 has broken my confidence and question mark on your business ethics. We request you to go through the below paragraph whereas whole incidence is described and correct your procedures for better interest of consumer and society.

I was issued SBI TATA credit card ( Card No [protected] , Name Inamul Haque ) year back, which I kept with me to use under emergency when I run shot of fund hence forth not used at all. On 14.12.07 two executive with proper ID card of SBI visited my residence and told me

I ) You are a SBI TATA credit card holder and you have not used the card for last. Card is not issued to keep is unused.

2 ) As per our bank instruction , You are required to surrender the card, and We have come from SBI to collect the card.

Since the executives were polished and knowing the confidential information that is card not used so far, and were aware about the my address , and that they were having ID card of SBI Bank, it could make sense to believe that they are really doing their work and they have come from bank, as such I have handed over the seal pack of Credit Card to them.
As a preliminary measure I asked them to give receiving on a piece of plane paper which they agreed to do ( Attached )

I was sure enough about the credibility of executives hence did not find it important to intimate telephonically to customer care. However on 17.12.2007 I was in visit to SBI Bank , Main Branch, Bistupur where I enquired about this Not In Use Card Collection from residence, I was surprised with the attitude of staff, Nobody at all took my version seriously and nobody liked to answer anything about this. Then I got restless and my inner faith started doubting about the credibility of Card Collecting Executives. I called SBI Helpline No. 50008000 and I was updated that

1) There is purchase of 50000/- from Sri Jagdamba Store Jamshedpur on 16.12.2007
2) There is withdrawal of 20,000/- on 15.12.007
3) Some other purchases costing around 5,000/-


Above shocking news is broken my confidence and I cheated by so called disguised executives, virtually they made use of my card.

Innocent people like me is bound to be cheated as there is no security measure by bank. We line in clean and civilized colony of Jamshedpur where cheating and theft is uncommon .

Your bank is also partly responsible, as there is no security measure taken , had it not been the responsibility of bank

1. To give the verification/ confirmation call at the time of purchase to card holder when a transaction more than 20,000/- happens. Or other such control which bank like HDFC does. However SBI does not do so ,this was confirmed from your customer care,Gurgaon.
2. To send SMS to card holder when transaction occurs on card.

3. To take special security measure on card dormant/not in use for longer period like

one year.

4. To ensure secrecy of information regarding credit card and card holder. As how a person got confidential information regarding my card that it was not used for one year, the information which he used to win my confidence. Definitely it was leaked out from one or other channel of bank.

5.There must be check point if card not using since 1 year and suddenly using it maximum limit and over limit .

All banks dealing with credit card are able to ensure above security and protect their customers, this was expected from Big Corporate Like SBI as well, surely in greater interest of consumer and society, you need to introspect your system otherwise more such cases will happen.

I have contacted personally the local police station and wanted their help in this matter, police is very much ready to catch the cheater if

1. Photograph of cheater is provided – you may kindly arrange downloading photo from ATM from where person withdrew the money. This must be traced .
2. Complete address of Sri Jagdamba , Jamshedpur ( Shop) where cheater made puchase of 48,000/- so that something can be traced.



Besides above two information, I wish to hear from bank what action has been taken by bank to improve the information security system point wise so that SBI TATA card holders are secured and free from such risk.

I also expect sharing of loss caused due to inappropriate security system for which bank is liable.

With an opinion that SBI is customer driven bank & believes in feedback and improvement made in greater interest of customer and society.


Thanking You


Yours Sincerely


Inamul Haque

Credit Card No [protected]
( SBI Tata Credit Card)