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To

The CPIO, RTI Cell


Department of Telecommunication
Sanchar Bhawan, 20 Ashoka Road
Near Patel Chowk Metro Station
New Delhi-110001.

Sub:- Regarding Right to Information Act, 2005.


Ref:- Fraud regarding SBI Credit Card.

Sir/Madam ,

With reference on the subject cited above, it is informed that the telephone
call was received on my cell phone-9460281035 from SBI Credit Office, Mumbai
vide phone no.- 912239020202 and 9118601801290 during the period of 5:20 to
5:53 in the evening on 03.01.2020 and collect OTP no regarding registration of
credit card and with draw the money of Rs. 10080/-.

In this regard the following information is required:-

1. Phone No.:-912239020202 which individual person or office or official or


officers is used or in the favour of allotted during the period of 5:20 to 5:53 in
the evening on 03.01.2020.
2. Phone No:-911860180290 which individual person or office or official or
officers is used or in the favour of allotted during the period of 5:20 to 5:53 in
the evening on 03.01.2020.

Hence you are requested to said information may sent to :- Mr. Pramod Pandit,
Assistant, Office of Eastern Regional Committee, National Council for Teacher
Education, 15 Nilkhantha Nagar, Nayapalli, Bhubaneswar-751012, Odisha. In
this regard I am submitting Rs:-10.(Rs ten) of Indian postal order No 45 F…951349
Dated 18.01.2020 for information under Right to Information Act, 2005.

Your faithfully

Pramod Pandit
Assistant
Northern Regional Committee,
National Council for Teacher Education,
15 Nilkhantha Nagar,
Nayapalli,
Bhubaneswar-751012 Odisha

To

The office incharge


SBI Card Protection Department.
Head office: SBI Card, Correspondence Department,
DLF Infinity Towers, Tower C, 10-12 Floor,
Block 2, Bldg 3, DLF Cyber City, Gurgaon – 122002,
Haryana, India

Sub:- Fraud in SBI Credit Card No. 4726428044860227 in the favour of Pramod Pandit.
Ref:- FIR in Police Station Nayapalli, Bhubaneshwar.

Sir/Madam,

With reference on the subject cited above, it is informed that the telephone call was
received on my cell phone-9460281035 from SBI Credit Office, Mumbai vide phone no.-
912239020202 and 9118601801290 during the period of 5:20 to 5:53 in the evening on
03.01.2020 and collect OTP no regarding registration of credit card and with draw the
money of Rs. 10080/-. The details are as under:-

S.No. OTP No. Dated Time Remarks


01 855721 03.01.2020 5:39 Re-set
02 767068 03.01.2020 5:49 Rs.1500.00 was spent on your card
ending with 0227at PATYAM
03 135363 03.01.2020 5:51 Rs.5000.00 was spent on your card
ending with 0227at PATYAM
04 382995 03.01.2020 5:53 Rs.4080.00 was spent on your card
ending with 0227at PATYAM
The Total Amounts:- 10080.00 (Ten Thousand Eighty only)

Undersigned I have lodge FIR in the police Station, Nayapalli, Bhubneshwar, Odisha
on 03.01.2020 as per direction of SBI officers/ officials. Necessary document is enclosed for
further course of action in the matter. Hence you are requested to do needful action in the
matter.

Your faithfully

Pramod Pandit
261/760, Sector -26
Housing Board Colony
Near Banash Appartment
Pratap Nagar Jaipur-33
UNDERTKING

I do hereby undertake that Pramod Pandit, Assistant was transferred


from National Council for Teacher Education, G-7, Sector-10, Near Metro
Station Sector-10, New Delhi to Eastern Regional Committee, National
Council for Teacher Education, 15 Nayapally, Bhubaneswar, Odisha.

In this connection, I was also on leave from 21st Nov to 26th Nov, 2019
in the connection with marriage of family member as well as for arranging to
transport house hold items from my residential address i.e 395, Sun view
Apartment, Pkt-4, Sector-11, Dwarka, New Delhi-110075 to Bhubaneswar,
Odisha residence. I will submit bill of journey of my family in due course.

Pramod Pandit,
Assistant
Eastern Regional Committee
National Council for Teacher Education
15, Nilkhanth, Nagar, Nayapalli
Bhubaneswar, Odisha.
Check List of Documents for Lost Card Liability

Lost / stolen cards

 Duly filled and signed Claim Form by Bank


 Police Acknowledgment of any kind / First Information Report
 Transactions Summary by Bank with Date of Loss, Time & Location
 Bank System Screen shot for Blocking card highlighting date and time of block
 Dispute letter from Customer
 Investigation report of the Bank
 Bank Statement from 3 months prior to the Date of Disputed Transaction, up to the last
transaction
 Bank System screen shots on the information of the number of times balance check was
done (through ATM / Internet banking / Call to Customer Care)
 Call / SMS details from the Bank to the Customer
 Action taken by the Bank:
 Charge back details to the customer (as and when the Bank has done recovery)
Fraudulent of lost/ stolen cards (In Transit)

 Duly filled and signed Claim Form by Bank


 Transactions Summary by Bank with Date of Loss, Time & Location
 Bank System Screen shot for Blocking card highlighting date and time of block
 Acknowledgment Letter from Courier / Acknowledgment copy/POD from receiver in case of
wrong delivery (Speed Post waiver) and name of the courier boy delivering the Card as well
as the PIN (personal identification number)
 Call / SMS details from the Bank to the Customer
 Bank System screen shots on the information of the number of times balance check was
done (through ATM / Internet banking / Call to Customer Care)
Counterfeit / Skimming / Phishing / Online transactions / ATM Losses

 Duly filled and signed Claim Form by Bank


 Police Acknowledgment of any kind / First Information Report (where the loss location is
same as the location of the insured person)
 Transactions Summary by Bank with Date of Loss, Time & Location
 Bank System Screen shot for Blocking card highlighting date and time of block
 Bank System screen shots on the information of the number of times balance check was
done (through ATM / Internet banking / Call to Customer Care)
 Dispute letter from Customer
 Call / SMS details from the Bank to the Customer
 Investigation report of the Bank
 Merchant details, codes from visa/master/paypal
 Bank Statement from 3 months prior to the Date of Disputed Transaction, up to the last
transaction
 Passport copy (Immigration stamped pages) to check his presence in or out of country where
transaction takes place
For Online claims

 On-line complaint lodged by the customer to the Merchant website who requires
authentication of the Transaction from the customer, disputing the transaction (e.g. Pay Pal)
For ATM claims

 ATM CCTV footage (for transactions in India) – HDFC can ask for this from the customer at
the time of investigation
 Card application form with name and photograph of the insured person
For Pre-paid/Forex cards

 Call/SMS details from Bank to the customer


Note – For All type of Claims, if Any Additional Documents are required for further processing
of claim then Claims Department shall accordingly call for the additional documents from the
claimant

Check List of Documents for Lost Card Liability

Lost / stolen cards

 Duly filled and signed Claim Form by Bank


 Police Acknowledgment of any kind / First Information Report
 Transactions Summary by Bank with Date of Loss, Time & Location
 Bank System Screen shot for Blocking card highlighting date and time of block
 Dispute letter from Customer
 Investigation report of the Bank
 Bank Statement from 3 months prior to the Date of Disputed Transaction, up to the last
transaction
 Bank System screen shots on the information of the number of times balance check was
done (through ATM / Internet banking / Call to Customer Care)
 Call / SMS details from the Bank to the Customer
 Action taken by the Bank:
 Charge back details to the customer (as and when the Bank has done recovery)
Fraudulent of lost/ stolen cards (In Transit)

 Duly filled and signed Claim Form by Bank


 Transactions Summary by Bank with Date of Loss, Time & Location
 Bank System Screen shot for Blocking card highlighting date and time of block
 Acknowledgment Letter from Courier / Acknowledgment copy/POD from receiver in case of
wrong delivery (Speed Post waiver) and name of the courier boy delivering the Card as well
as the PIN (personal identification number)
 Call / SMS details from the Bank to the Customer
 Bank System screen shots on the information of the number of times balance check was
done (through ATM / Internet banking / Call to Customer Care)
Counterfeit / Skimming / Phishing / Online transactions / ATM Losses

 Duly filled and signed Claim Form by Bank


 Police Acknowledgment of any kind / First Information Report (where the loss location is
same as the location of the insured person)
 Transactions Summary by Bank with Date of Loss, Time & Location
 Bank System Screen shot for Blocking card highlighting date and time of block
 Bank System screen shots on the information of the number of times balance check was
done (through ATM / Internet banking / Call to Customer Care)
 Dispute letter from Customer
 Call / SMS details from the Bank to the Customer
 Investigation report of the Bank
 Merchant details, codes from visa/master/paypal
 Bank Statement from 3 months prior to the Date of Disputed Transaction, up to the last
transaction
 Passport copy (Immigration stamped pages) to check his presence in or out of country where
transaction takes place
For Online claims
 On-line complaint lodged by the customer to the Merchant website who requires
authentication of the Transaction from the customer, disputing the transaction (e.g. Pay Pal)
For ATM claims

 ATM CCTV footage (for transactions in India) – HDFC can ask for this from the customer at
the time of investigation
 Card application form with name and photograph of the insured person
For Pre-paid/Forex cards

 Call/SMS details from Bank to the customer

Note – For All type of Claims, if Any Additional Documents are required for further processing
of claim then Claims Department shall accordingly call for the additional documents from the
claimant

Claim Letter

Dear Customer,

We are in receipt of your claim request as a CPP Card Protection member. Under
Indian Insurance laws, to help process your claim, we would require the following:

1. Claim form (enclosed) – complete in all respects


2. FIR copy or a General Complaint letter to Police - Attested either in Hindi or
English with description of all the lost things including card and clearly
mentioned that “Appropriate action need to be taken against culprit”(
FIR is mandatory for the claim amount of more than INR 50000/-)
3. Credit / Debit Card statement – Last 03 month attested statement by the
Bank (indicating forged transactions and consumer loss liability) In the case
of Debit card lost, Letter from the bank confirming the mentioned debit card
issued against A/C# to the customer (customer name).
4. Letter of Subrogation (format enclosed) - This should be on the stamp
paper of Rs 100/-
5. Copy of a Valid Photo I.D. - Pan Card, Driving License, Voters I.D. Passport.
6. Copy of Visa and Immigration pages which confirm date of visit.
7. One Passport Size Photograph.
8. Copy of letter of the dispute raised with the concerned Bank with service
request number.
9. Cancelled Cheque

On receipt of the same, we would proceed with the final processing of your claim
through our insurance partners. Please note that the completed documents should
reach us within 30 days from the date of report, at the following address in the
BRE envelope enclosed (Please drop the complete packet in the nearest post box):

CPP Assistance Services Pvt. Ltd


Ground Floor, Wing 'A',

Tower - A, Golf View Corporate Towers,

Golf Course Road,

Sector - 42, Gurgaon,

Haryana – 122002

If you have any queries regarding the above, please feel free to contact us on our
Helpline numbers.

With Warm Regards

CPP Team
Your SBI Card Account Deactivation
Inbox
x

SBI Card Fraud Control <blockalerts@sbicard.com> Fri, Jan 3,


9:04 PM

to PRAMOD.PANDIT1970

Dear SBI Cardholder,

As per your request, we have blocked your SBI Card ending 0227.

To reissue your SBI Card in future, please visit http://bit.ly/SBICReissue or call our
helpline number at 1860 180 1290 or 39 02 02 02 or (Prefix Local STD Code).

Please note: IVR & Emergency Services are available 24 hours & Customer Service
representatives are available from Monday to Saturday between 8:00am to 8:00pm.

Warm Regards,
SBI Card
SBI Card One Time Password
Inboxx

SBI Fri, Jan


CAR 3, 5:39
D PM
Dear Cardholder, One Time Password (OTP) for online registration of your SBI Card ending XX022

SBICARD <onlinesbicard@sbicard.com> Fri, Jan 3,


5:44 PM
to PRAMOD.PANDIT1970

Dear Cardholder, One Time Password (OTP) for your SBI Card no. XX0227 to
Reset Website Account password is 117137. This password is valid only for one
transaction or for 30 mins whichever is earlier. Do not share it with anyone.

Warm regards,
SBI Card

This emailer is addressed to and intended only for SBI Credit Cardholder and is not spam. You may call SBI Card helpline to clarify any
issues that you may have with regard to any information contained in this emailer. Please do not reply to this mail as it is a computer
generated mail.
Disclaimer: SBI Card does not guarantee the accuracy, adequacy or completeness of any information in this emailer and is not
responsible for any errors or omissions or for results obtained from the use of such information. SBI Card does not have any liability to
any person on account of the use of information provided herein and the said information is provided on a best -effort basis.
SBI Card Online Account Password Reset
Inbox x

SBI
Card
Benefits|Card Payment|Rewards|OffersHi PRAMOD PANDIT,You have successfully reset the pass
accou

SBI
Card
Benefits|Card Payment|Rewards|OffersHi PRAMOD PANDIT,You have successfully reset the pass
accou

SBI Card <onlinesbicard@sbicard.com>


to PRAMOD.PANDIT1970

ReplyForward
To be obtained on Rs 100/- Stamp Paper – TO BE NOTARISED]

LETTER OF SUBROGATION

Claim No:

Policy No:

Incident Date:

Insured / We / Us / I:

You / Your: HDFC ERGO General Insurance Company Limited

1. In consideration of your paying to us the sum of Rs. ______________/- (Rupees


_______________________________________only) in pursuance of the said policy in respect of loss
due to fraudulent use of debit/credit card, we the owners hereby assign, transfer and abandon to you all
our actionable claim, rights and remedies both in equity and at law against the administration, other
public bodies, persons whosoever is liable in respect thereof and/or for whom or other financial
assistance, subsidy, etc. in respect of such loss or damage.

2. We hereby subrogate to you all rights remedies that we have, in consequence of or arising from
theft/burglary to the said properties and we further grant to you full power to take and use all lawful ways
and means and recover the said goods/any part thereof and or loss from whom it may concern.

3. We also hereby authorize you to use our name in any action or proceedings that you may bring either in
your own name or in the name in relations to any of the matters hereby assigned transferred and/or
abandoned to you and we undertake for ourselves to assist and concur in any matters or proceedings
which you may deem expedient or necessary in any such actions or proceedings and to execute all
deeds assignments and /or documents including any and all pleadings and reasons which may be
necessary therefore and generally to assist therein by all means in our power.

4. We hereby appoint you, your officers and agents and their successors severally our agents and
attorneys in fact with irrevocable power to collect all such claims and to begin prosecute compromise
arbitrate or withdraw either in our name or in your name but at your expense if any and all legal
proceedings which may deem necessary to enforce such claim or claims including proceedings before
any Tribunal and to execute in our name only documents which may be necessary to carry into effect
the purpose of this agreement.

5. We further undertake if called upon by you to do so ourselves to institute any such action or
proceedings that may direct on your behalf it being understood that you are to indemnify us and any
other persons whose names may necessarily be used against any costs charges or expenses which
may be incurred in respect of any action or proceedings that may be taken virtue of this agreement.

6. The payment receipted for herein is accepted with the undertaking that the said payment shall not
ensure to the benefit of any tort, lessor or misfeasement under the writer does not waive any rights or
remedies which or subrogation or otherwise against any tort lessor or misfeasement and acceptance of
this receipt shall not prejudice or take any right or remedies which the said underwriter would otherwise
have any virtue of such payments.
7. We further agree that any moneys collected from any government, state or authorities or any persons
shall be your property and if received in the first instance by the undersigned. We undertake to make
over to you immediately the amount so recovered.

8. We hereby further agree that in the event of the lost goods subsequently being traced we undertake to
accept and take delivery of the same and the claim shall then be re -adjusted on the correct basis of the
then loss and in the event of any refund providing to be due to the underwriter on demand to make such
refund to you.

9. We further authorize you to sell, transfer the said vehicle/ property and have the proceeds, towards the
satisfaction of your loss, sustained while satisfying the claim. The vehicle/ property is being transferred
to you, with all rights, title and interest there on, as absolute owner and we have no concern with it, in
what so ever in nature.

TO WITNESS WE HAVE SET OUR HAND THIS _____________ DAY OF _______________, 20__.

(Signature of Insured)

Witness Signature: _________________ Name: ______________________

Address: ____________________

___________________________

___________________________
To

The office incharge


SBI - Customer Care

Sub:- Fraud in SBI Credit Card No. XXXXXXXXXXXXX0227 in the favour of Pramod
Pandit in connection with Claim to the State Bank of India

Ref:- FIR in Police Station Nayapalli, Bhubaneshwar.

Sir/Madam,

With reference on the subject cited above, it is informed that the telephone call was
received on my cell phone-9460281035 from SBI Credit Office, Mumbai vide phone no.-
912239020202 and 9118601801290 during the period of 5:20 to 5:53 in the evening on
03.01.2020 and collect OTP no regarding registration of credit card and with draw the
money of Rs. 10080/-. The details are as under:-

S.No. OTP No. Dated Time Remarks


01 855721 03.01.2020 5:39 Re-set
02 767068 03.01.2020 5:49 Rs.1500.00 was spent on your card
ending with 0227at PATYAM
03 135363 03.01.2020 5:51 Rs.5000.00 was spent on your card
ending with 0227at PATYAM
04 382995 03.01.2020 5:53 Rs.4080.00 was spent on your card
ending with 0227at PATYAM
The Total Amounts:- 10080.00 (Ten Thousand Eighty only)

Undersigned I have lodge FIR in the police Station, Nayapalli, Bhubneshwar, Odisha
on 03.01.2020 as per direction of SBI officers/ officials. In this regard your good office has
submit bond paper along with copy of the letter of
directed to
the dispute raised the concerned bak with service request
number.

a copy of the letter of the


Hence you are requested to send

dispute raised the concerned ban with service request


number to email address :- pramod.pandit1970@gmail.com for further course of action
in the matter..

Your faithfully

Pramod Pandit
261/760, Sector -26
Housing Board Colony
Near Banash Appartment
Pratap Nagar Jaipur-33