West Bengal

Bankura

CC/15/2024

Kalpana Mudi - Complainant(s)

Versus

The Branch Manager, State Bank of India - Opp.Party(s)

Jayanta Kumar Mukherjee

12 Sep 2024

ORDER

IN    THE   DISTRICT   CONSUMER   DISPUTES   REDRESSAL COMMISSION, BANKURA

  Consumer Complaint No.15/2024

       Date of Filing:  19/02/2024

Before:                                        

1. Samiran Dutta                                     Ld. President      

2. Siddhartha Sankar Bhui                    Ld. Member

For the Complainant:Ld. Advocate Jayanta Kumar Mukherjee

For the O.P.1: Ld. Advocate Asim Kumar Mondal

For the O.P.3 : Ld. Advocate Partha Pratim Patra

 Complainant:

Kalpana Mudi,R/O-Syamdaspur,Bankura,P.S&Dist-Bankura,P.O-Bankura,Pin-722101,Mob-9153356313

Opposite Party:                                                                                                                                                

1. The Branch Manager,State Bank of India,SBI Machantala Branch,Dist-Bankura,P.O&P.S-Bankura,Pin-722101
2. State Bank Of India,Customer Service Department,State Bank Of India,State Bank  Bhavan,16^th Floor,Madam  Cama Road,Mumbai-400021,Fax-022-22742431 (since expunged)
3. Managing Director & CEO, SBI Cards and Payment Services, DLF Infinity Towers, Tower-C, 10-12 Floor, Block2, Bldg-C, DLF Cyber City, Gurgaon, Haryana, PIN: 122 002     

 

                                                                                       FINAL ORDER / JUDGEMENT                                                                                                                                                           

Order No.09

Dated:12-09-2024

Both parties file hazira through Advocate.

The case is fixed for argument.

After hearing argument/written argument from both sides the Commission proceeds to dispose of the case as hereunder: -

The Complainant’s case is that being an ICDS worker she has an S.B. A/c No. being 33139929804 with O.P No.1/Bank having the facility of both Debit Card and Credit Card. On 29/05/2023 her Account showed a debit transfer of Rs.5,000/- in each three successive Payzapp transaction with further ATM/POS deductions. The matter was reported to the O.P./Bank Authority for such unauthorized transaction and withdrawal of money from the Account of the Complainant but getting no relief the Complainant has therefore approached this Commission for appropriate relief.

Both O.P. No.1/Bank and O.P. No.3/SBI Credit Card Authority contested the case by filing a separate written version. The defence of O.P. No.3 is that the Complainant operated the transaction by using her Credit Card in due process after sharing OTPs for the respective transactions of 5,000/- each and as such she is not entitled to get any benefit in this case.

                                                                                                                                                                                      Contd……P/2

Page:2

Similar defence has been taken by O.P. No.1/Bank to the effect that the Complainant withdrew money by using her Debit Card through ATM and POS and as such she is not entitled to any relief in this case.

-: Decision with reasons:-

Having regard to the facts of the case, contention, submission, and documents on both sides the Commission finds that there is sufficient proof of operation of transactions by the Complainant by using Credit Card and Debit Card and the Complainant cannot now shift her own fault and negligence upon the O.P. Authority so as to get compensation illegitimately.

The Commission finds no merit in the Complainant’s case.

Hence it is ordered…….

That the case be and the same is dismissed on contest but without cost.

Both parties be supplied copy of this Order free of cost.

 

   __________________                                      ________________        

 HON’BLE   PRESIDENT                           HON’BLE    MEMBER