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Addressing Unauthorized Debits: SBI Account Holders to Report and Resolve Disputed Transactions

Resolving Unauthorized Debit Transactions: A Guide for SBI Account Holders

In the realm of banking, trust and transparency are paramount. However, instances of unauthorized debit transactions can cause concern and frustration for customers. Dibyaranjan Das recently encountered such an issue as an SBI account holder at the Nimapada branch. Let's explore this scenario and understand the steps to address unauthorized debits effectively.

Understanding Dibyaranjan's Concerns: Dibyaranjan Das (@Ddibya2002) took to Twitter to express his dismay over unauthorized debit transactions from his SBI account. He highlighted that Rs 20/- and Rs 228/- were debited on 6.1.24 and 02.01.24, respectively, without his consent, allegedly related to insurance form applications.

State Bank of India's Response: In response to Dibyaranjan's tweet, the official SBI Twitter account (@TheOfficialSBI) clarified that opting for insurance and other investments is voluntary. They emphasized that no transaction is conducted without the customer's consent and urged Dibyaranjan to register a complaint regarding the unauthorized debits.

Steps to Resolve Unauthorized Debits:

Access the Complaint Registration Portal: SBI provides a dedicated portal for registering complaints regarding disputed transactions. Visit https://crcf.sbi.co.in/ccf to access the Complaint Registration Portal.

Select Complaint Category: Choose "Raise Complaint - Others" and select "Personal Segment/Individual Customer" under the category "General Banking >> Operation of Accounts >> Disputed Debit/Credit Transactions."

Provide Details: In the complaint form, accurately describe the unauthorized debit transactions, including the dates, amounts, and any relevant details about the alleged insurance form applications.

Submit Complaint: Upon completing the complaint form, submit it through the portal. You will receive a complaint number on your registered mobile number/email ID for reference.

Follow-Up: Keep track of your complaint status using the provided complaint number. SBI's concerned team will investigate the matter and provide updates on the resolution progress.