SBI not verified O.T.P. for money transaction to a bogus website is violation of RBI guidelines


 Grievance Status for registration number : DEABD/E/2024/0028867

Grievance Concerns To

Name Of Complainant

Yogi M. P. Singh

Date of Receipt

28/04/2024

Received By Ministry/Department

Financial Services (Banking Division)

Grievance Description

Financial Services (Banking Division) >> Deficiency in Customer Service Related >> Others

Bank: State Bank of India

Branch / Name of Bank and Branch: City branch Mirzapur PIN Code 231001

Account Number: 34645721675

This is a humble request to the branch manager State Bank of India City Branch Mirzapur to be instrumental in getting the refund of the following payment made by the applicant to an incredible service providing agency.

Terminal Owner Name WWW.STYLELINE.STORE

Terminal Id PW8FUTGU, Date & Time Apr 27, 2024, 08:54, Transaction Number 081987, Amount (INR) 750.94, Last 4 Digit of Card X4414, Transaction Type PURCHASE, Channel POS / ECOM, City +971589077240, Location WWW.STYLELINE.STORE

www.styleline.store/

Your connection to this site is not secure.

This site does not have a certificate.

Because this connection is not secure, information (such as passwords or credit cards) will not be securely sent to this site and may be intercepted or seen by others.

Branch manager must provide the feedback regarding the aforementioned payment which was transacted without verification of the one time password which is essential for the security of the transaction. Whether one time password is not mandatory in payment of subscription amount even during the first payment.

Whether accounts are opened in the bank by the name of website no location no name of the account holder is provided then how KYC of the website is verified which is essential according to the guidelines of the Reserve Bank of India. There are numerous websites of the same name on the Internet.

To: hello@indexfast.app

Dear staff of the service providing agency I have taken the subscription of your service and paid for it but because of your non responding services and non supporting approach of the email messages sent by the customer on your help desk email.

I have just cancelled your subscription so refund my paid money for the subscription.

I was surprised during the purchasing of the subscription when money deducted from my bank account without verification of one time password.

The screenshot of the current status of the account of the customer is attached which is showing the cancellation of the purchased

Grievance Document

Current Status

Under process   

Date of Action

28/04/2024

Officer Concerns To

Officer Name

General Manager (General Manager)

Organisation name

State Bank of India

Contact Address

Corporate Centre, Customer Service Deptt. State Bank Bhawan, 16th Floor, Madam Cama Road, Mumbai

Email Address

gm.customer@sbi.co.in

Contact Number

02222740970

Gmail Mahesh Pratap Singh Yogi M P Singh <yogimpsingh@gmail.com>

Transaction alert for your State Bank of India Debit Card

5 messages

donotreply.sbiatm@alerts.sbi.co.in <donotreply.sbiatm@alerts.sbi.co.in> 27 April 2024 at 08:54

To: yogimpsingh@gmail.com

SBI LOGO

Transaction Alert Message

Apr 27, 2024, 08:54

Dear Valued SBI Debit Card Holder,

The below transaction has been done using your SBI debit card.

Description Value

Terminal Owner Name WWW.STYLELINE.STORE

Terminal Id PW8FUTGU

Date & Time Apr 27, 2024, 08:54

Transaction Number 081987

Amount (INR) 750.94

Last 4 Digit of Card X4414

Transaction Type PURCHASE

Channel POS / ECOM

City +971589077240

Location WWW.STYLELINE.STORE

If not done by you, forward this email from email id registered with SBI to unauthorisedtransaction@sbi.co.in  to block your card. You may also call 1-800-111109 or +91-9449112211

STATE BANK FOREIGN TRAVEL CARD

CHIP AND PIN PROTECTION

SBI OFFERS

Mahesh Pratap Singh Yogi M P Singh <yogimpsingh@gmail.com> 27 April 2024 at 11:45

To: hello@indexfast.app

It seems that there is no transparency and accountability in providing services by your agency.

If your performance is not better than Google search console then what is the need of your services. 

Please provide your refund process if the services cancelled by the subscribers.

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Mahesh Pratap Singh Yogi M P Singh <yogimpsingh@gmail.com> 27 April 2024 at 18:45

To: hello@indexfast.app

If the customer wants to change the subscription plan then how the amount would be adjusted paid earlier? It would be appropriate if you will provide your office details like location and other details. How will you provide service it is not reflecting in the account? Whether your service providing agency is only operated through robots not by manpower?

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Mahesh Pratap Singh Yogi M P Singh <yogimpsingh@gmail.com> 27 April 2024 at 18:53

To: hello@indexfast.app

The applicant is sending the screenshot of current status of account. Let me tell you what is the refund status if any subscription is cancelled by the customer?

[Quoted text hidden]

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Mahesh Pratap Singh Yogi M P Singh <yogimpsingh@gmail.com> 28 April 2024 at 18:40

To: hello@indexfast.app

Dear staff of the service providing agency I have taken the subscription of your service and paid for it but because of your non responding services and non supporting approach of the email messages sent by the customer on your help desk email.

I have just cancelled your subscription so refund my paid money for the subscription.

I was surprised during the purchasing of the subscription when money deducted from my bank account without verification of one time password.

The screenshot of the current status of the account of the customer is attached which is showing the cancellation of the purchased subscription.

The customer is again requesting you to refund my paid amount for the subscription which has been cancelled by the customer.

[Quoted text hidden]

Screenshot_2024-04-28-18-19-45-632_com.android.chrome.jpg

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Grievance Status for registration number : DEABD/E/2024/0023556

Grievance Concerns To

Name Of Complainant

Yogi M. P. Singh

Date of Receipt

06/04/2024

Received By Ministry/Department

Financial Services (Banking Division)

Grievance Description

Financial Services (Banking Division) >> Deficiency in Customer Service Related >> Others

Bank : State Bank of India

Branch / Name of Bank and Branch : City Branch District Mirzapur Uttar Pradesh PIN 231001

Account Number: 34645721675

The matter concerns the failure of the SMS services of the State Bank of India which is resulting in non-sending one time password on the registered mobile number of the applicant causing failure of the Internet banking transactions​.

The registered mobile number of the applicant with the state Bank of India is 7379105911 which service providing company is Jio.

The first transaction failed on the RTI portal of the government of Uttar Pradesh yesterday which details are as follows.

Verify and con​firm UP CYBER TREASURY transaction details

You have not performed any UP CYBER TREASURY transactions today.

Debit Account Details​ Account No. 00000034645721675

Branch​ Amount 10

Description​-Challan number RT1240035188

Depositor Name Kamlesh Singh

The second transaction failed when the applicant was making payment of rupees 2999 to service providing company jio​. Due to failure of sms services​, confirmation could not be made on the Portal of State Bank of India because no one time password was reached on the registered mobile number of the applicant​.

Pay Duration

6:51 AM 33.6KB/s M​ 4693

Verify and confirm Reliance Jio (Reliance Retail Ltd) transaction details

You have not performed any Reliance Jio(Reliance Retail Ltd) transactions today.

Debit Account Details​ Account No. 00000034645721675

Description Branch​ Amount 2999

Reference No​ 4040631857181504513

Because of the failure of the SMS services of the State Bank of India on the registered mobile number of the applicant​, account services is not accessible to the applicant which reflects the mismanagement in the working of the State Bank of India​.

This is not the first time when such problems arise in the other financial years the applicant has faced same problems and after repeated representations the staff of the State Bank of India resolve the problem.

Because of the corruption and mismanagement in the working of the state Bank of India it does not seem that state Bank of India is a nationalised bank.

Grievance Document

Current Status

Case closed   

Date of Action

24/04/2024

Remarks

Grievance has been resolved and mobile number has been updated.

Reply Document

Rating

1

Poor

Rating Remarks

The remark of the branch manager of the city branch of the State Bank of India district Mirzapur is as follows. We have already updated the mentioned mobile no 7379105911 in the account 34645721675 at our end. It seems that he did not understand the contents of the grievance this is the Root Cause of this arbitrary and inconsistent reply, but my problem has been resolved so I don't want to move forward in the matter.

Appeal Details

Appeal Number

Date of Receipt

Appeal Text

Current Status

Officer Concerns To

Officer Name

General Manager (General Manager)

Organisation name

State Bank of India

Contact Address

Corporate Centre, Customer Service Deptt. State Bank Bhawan, 16th Floor, Madam Cama Road, Mumbai

Email Address

gm.customer@sbi.co.in

Contact Number

02222740970

Yogi

An anti-corruption crusader. Motive to build a strong society based on the principle of universal brotherhood. Human rights defender and RTI activist.

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