Online money transactions have grown rapidly and use of UPI payments has also increased in rural areas. In such a situation, cases of online fraud have also increased. In an online fraud case in Surat, Gujarat, the Consumer Disputes Redressal Commission (CDRC) has ruled in favor of the consumer. The commission said that SBI will have to compensate the customer for the loss. This decision by the Consumer Commission of Gujarat has brought great relief to farmers and villagers as customers can get refunds from banks through the commission. In such a situation, if you are cheated during online money transaction, immediately make a written complaint to the concerned bank.
Surat’s Navsari Consumer Disputes Redressal Commission (CDRC) has ordered State Bank of India (SBI) to pay compensation of Rs 39,578 to victims of UPI cyber fraud. According to ‘TOI’ report, the commission criticized the bank for lack of immediate action and said that it is the responsibility of the bank to alert customers immediately in such cases.
what is the matter
Vidhi Suhagia, who was a victim of cyber fraud, lost Rs 59,078 from her account at SBI’s Phuwara branch on 22 December 2021. He immediately reported the incident to the bank and lodged a complaint with the cybercrime helpline. After receiving the complaint, the police seized Rs 19,500 deposited in the federal bank account of the fraudsters. Later the money was sent to Suhagia’s account as per the court order. Whereas, the remaining 39,578 were credited to the fraudster’s ICICI Bank account, which the victim complained to SBI to get. But, SBI failed to take immediate action.
To receive the amount, Suhagia, the victim, sent a legal notice to SBI on 14 December 2022. Even after not getting any response from the bank, he contacted the consumer commission for help. The victim’s lawyer said that SBI did not take any steps to recover the money even though it knew that the amount was transferred to the ICICI bank account. That’s it, no, the SBI claimed that the fraud happened because of the carelessness of the customer.
The consumer commission stressed that banks have access to online details of accounts where money has been deposited and can alert other banks to stop payments or freeze amounts. In this case, due to the failure of SBI, the complainant suffered financial loss. The Consumer Commission concluded that the bank’s lack of prompt action and negligence in service was responsible for the financial loss to the customer. So the bank will compensate the loss of the customer.
Where to report fraud online?
- It is important to keep your personal and banking details private.
- Check any links or attachments that come with the message before opening it.
- In case of fraud, call Cyber Helpline 1930 immediately.
- In case of fraud, file a complaint online at Cybercrime.gov.in.
- Give the written information to the concerned bank and share the details related to the amount.
- If there is no hearing, file a complaint with your District Consumer Disputes Redressal Commission (CDRC).