The Maharashtra State Consumer Disputes Redressal Commission on Wednesday dismissed a complaint filed by a man who alleged that his credit card had been fraudulently used to book air tickets worth Rs 32,000. "Since the transaction is effected by using the credit card and a secret password of the complainant, we do not find any deficiency in service on the part of the opponent (bank). In such cases, the complainant should have approached the cyber crime branch," the panel said.
On October 14, 2009, an amount of Rs 34,529 was debited from Balkatta Hegade's account. On inquiring with ICICI Bank Ltd, he was told his card was used to purchase air tickets from a travel and tour company. He contended he had not purchased the tickets and that his password was used. He stated that during the transaction, his signature was not taken on the voucher.
Hegade said the name, number and address on which the tickets were drawn were fraudulent. He issued a notice in April 2010 to the bank, requesting them to cancel the entry. As the bank did not respond favourably, Hegade filed a complaint in a district forum.
The bank contended that the transaction was done using a credit card and the password, which was known only to Hegade. The bank said that it had provided Hegade with the details of the transaction and had told Hegade to file an FIR, but he did not taken any action.
The forum dismissed Hegade's complaint, following which he filed an appeal in the state commission. The commission said Hegade had expected the bank to cancel the tickets and invalidate the online transaction. "The opponent (bank) does not have the powers to cancel the tickets and to invalidate the online transaction," the panel said.
Article referred:http://timesofindia.indiatimes.com/city/mumbai/Onus-on-consumers-to-protect-bank-passwords/articleshow/19641171.cms
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