Quote:
Originally Posted by aadithsince1980 Guys, here's an update and a sad one at that. As the manager had promised the money did not come back to my account. My wife went and met the manager again, and as he was not available, she was directed to another person who was rather rude as he stated the point saying
-The only way the money could have gone is that we must have withdrawn the money ourselves and just acting like it's gone missing!!!
-He can't help and has told us to contact customer care!
My wife got angry and walked out dejected.
Now, these SBI guys are sending us in circles. I have just called customer care and given yet another complaint! The person assured me that the money will be back in 7 working days.
Now I am totally fedup and do not know what to do.
Aadith
PS: The missing amount is R.S. 20,000, done in two withdrawals of 10k each from Sakaria Hospital ATM, Kalyan nagar, Bangalore on 9th Feb. |
Aadith,
Your posts have taken this thread off topic - have requested the mods to move it to a separate thread.
I would like to help - after all, I am doing the same thing everyday (literally 24*7). My signature should give you a hint !
Your issue can be explained easily - but that will raise more questions!!
Anyway, the best way to go about is like this -
a. When you submitted the complaint to your bank, they would have in turn raised the claim on the bank - say Bank X - whose ATM had used.
b. Bank X has to either settle the claim or reject it within seven working days.
c. If they reject, they have to give the reasons why it is rejected. Most probably they will inform that the transaction is successful. To prove this they will have to provide an EJ (electronic journal).
d. Your Bank (SBI) in turn will inform you that the claim cannot be settled because Bank X said that the transaction was successful.
Now what you should do is this -
Send a complaint again - stating that the money was not received at the ATM by you and your claim has to be settled. This claim must be sent to the branch where you had given the complaint earlier (mark a copy to the parent (home) branch as well as central processing centre of SBI at Belapur, Navi Mumbai). Send the complaint by e-mail, but be sure to take a print out and send it by courier. Preserve a copy. Hope you have preserved the transaction slip received from the ATM. Inform the Bank that you would like to lodge a (police) complaint and will require the CCTV footage, ATM cash balance / confirmation report & JP log. (More of this later)
Once this is done, SBI has to raise the claim again with Bank X. (This process is called pre-arbitration).
Bank X has to respond the pre-arb within 17 days. They will be required to provide the cash balance report and JP log.
Depending on the outcome, we can proceed further.
You have to bear with me, because I am working in a secure environment and no access to the net. May be I have to take some time off to keep up with this!!
More of what could have happened is explained below.
Prabhu
Quote:
Originally Posted by rohan_iitr Also, I agree that debit cards are dangerous. I never use debit card for any merchant transactions. I only use them at the ATM for withdrawing cash. Also, I generally try to avoid using other bank ATMs.
Rohan |
These are perils and pitfalls of technology. And as many of us are there trying to do good things, there are equal number of bad ones out there trying to exploit. Many times they are smarter than us :-(
Actually, the most secure way of using the card is in e-commerce. Both verified by visa and mastercard secure is tough to crack and the secure link ensures that data remains secure.
Any card used at ATM or POS is open to skimming - unless, it is a chip based card. Magnetic Strip (magstrip) cards - whether debit or credit - can be copied and cloned easily. The trick lies in getting the PIN. You will find that skimmed card details are used mostly in ATMs - because the crooks have managed to capture the PIN, whereas stolen cards are used mostly at POS (shops) - because the thief doesn't know the PIN - unless, of course, it so happens that you have written your PIN on the card itself!.
What could also have happened to Aadith is that, after he had entered the PIN and requested for withdrawal, the communication between the ATM and switch must have taken a longer time. (There is a transaction time out - but things and technology being what it is, nothing can be certainly said what exactly happened).
He believed that the transaction failed as the cash did not come out. Whereas, the cash could be dispensed after he had left the ATM and the next person who walked in could have reaped the bonanza.
All of you reading this and facing similar experience, please do these -
a. If you do not get cash, press the CANCEL button and wait for at least 15 - 20 seconds.
b. Don't walk away from the ATM. If possible stand inside after informing the next person what happened and observe what happens with the next card holder. Else, stand outside and keep a watch.
c. The best thing to do is NOT to attempt
one more transaction. Do ONLY a balance enquiry or mini statement as the next transaction. This will help you to know what happened with your previous attempt and whether the ATM is functioning normally.
d. Ideal thing to do is go to another ATM and try to withdraw from there.
More of the scenarios, if and when I find the ATM.
Don't know how many un-lucky t-bhpians in Bangalore / Chennai / NOIDA have lost money recently - there has been a planned skimming attack at these centres. And in many of these cases the money has been withdrawn abroad!
Prabhu