Comment on Responsibility and remedies for ATM frauds by Sanjeev Tripathi.

After greetings.

I Sanjeev Tripathi, maintain an NRE account with SBI main branch Gorakhpur, I left my ATM card with my wife back there in India for any emergencies. No SMS service/ Net banking is activated on this account. This ATM card is not used by us frequently. But with my permission, on 16 March 2016, 17 March 2016 & 19 March 2016 she withdrawn some money from this account to cover-up some funds shortage to buy a property.

Then on 29 March 2016, through mini-statement, she came to know five unknown transactions dated 21 March 2016. I got it cross checked with the bank next day & found it suspicious. I wrote an e-mail to bank & Local Police authorities regarding this. FIR has been registered at local police station later on 15 April 2016.

Later, bank informed us that the Fraudulent transactions were made in Lucknow using my card. But It was a shocking information because neither my card was lost not carried to Lucknow during past months & still we are having the blocked card. Also we’d not disclosed any Card/ Account related information to any unknown person. Later on 9th May, 2016 bank called us to look into the CCTV footage. But the fraudster was completely unknown to all of us.

I informed this to bank official & police authorities through e-mail. Since then, no communication received from bank. I’ve no idea what’s going on there.

Shall I approach to bank ombudsman or District Consumer Forums?

Looking for your valued suggestion.

Thanks for your time.


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