Chandan Kumar has raised a serious complaint against SBI Credit Card, alleging misuse of his mobile number for unauthorized card registration. Read full details, complaint summary, and FAQs here.
Complaint Summary Table : SBI Credit Card Fraud Complaint by Chandan Kumar – Mobile Number Misuse Reported
| Complaint Details | Information |
|---|---|
| Complainant Name | Chandan Kumar |
| Profession | Corporate Lawyer, Government of India (GoI) |
| Company Concerned | SBI Card – State Bank of India |
| Regulatory Body Mentioned | Reserve Bank of India (RBI) |
| Nature of Complaint | Unauthorized registration of SBI Credit Card using complainant’s mobile number |
| Key Issues Reported | • Mobile number linked without Aadhaar or PAN |
| • Continuous unwanted credit card calls | |
| • Risk of misuse of complainant’s CIBIL report | |
| • No proper action from SBI despite repeated requests | |
| Resolution Requested | • Immediate removal of complainant’s mobile number from unauthorized credit card records |
| • Stop repeated unwanted collection/recovery calls | |
| • Correction in CIBIL report | |
| • Trace and act against the real person who misused his number | |
| Status | Awaiting urgent action from SBI and RBI |
| Original Complaint Source (LinkedIn Post) | [ LinkedIn Post URL ] |
Full Complaint Write-up
Chandan Kumar, a Corporate Lawyer working with the Government of India (GoI), has raised a grave concern against SBI Credit Card (State Bank of India) regarding misuse of his personal mobile number.
According to Chandan Kumar, a credit card has been registered using his mobile number, even though he has never applied for or received any such card. He clarified that the registration did not involve his Aadhaar card, PAN card, or any other authentic documents – only his mobile number was used.
As a result of this unauthorized linkage, Chandan Kumar has been receiving continuous collection and recovery calls from SBI representatives. Despite repeated requests to SBI Card to resolve the issue, no corrective measures have been taken so far. He further emphasized that this misuse could impact his CIBIL credit score, thereby creating long-term financial risks for him.
The complainant also mentioned that he had already sent his complete documents to SBI via email for verification, yet the issue persists. In frustration, he has warned SBI that he will escalate the matter to the Reserve Bank of India (RBI) and also raise it widely on social media platforms if his issue is not resolved immediately.
This case highlights the serious risks of identity and number misuse in the financial sector and the urgent need for banks to strengthen their verification systems before approving or linking credit card accounts.
Frequently Asked Questions (FAQs)
1. What is the complaint raised by Chandan Kumar?
Chandan Kumar reported that his mobile number was wrongly registered with an SBI Credit Card account, even though he never applied for the card.
2. Did Chandan Kumar provide any personal documents for the credit card?
No, he confirmed that neither Aadhaar nor PAN was used. Only his mobile number was misused for registration.
3. Why is this a serious issue?
Because unauthorized use of personal details can:
- Lead to fraudulent transactions
- Impact an individual’s CIBIL score
- Cause mental harassment due to repeated collection calls
4. How many times has he complained to SBI?
Chandan Kumar stated that he has repeatedly complained to SBI and even shared his documents via email, but no corrective action was taken.
5. What impact does this have on his CIBIL report?
If the unauthorized card is not corrected, any dues or defaults linked to it could wrongly reflect in his CIBIL history, harming his financial credibility.
6. What resolution is Chandan Kumar demanding?
He requested:
- Immediate removal of his mobile number from the fraudulent credit card record
- Cessation of unwanted calls
- Correction of his CIBIL records
- Investigation into the misuse of his number
7. What step did he warn SBI about?
He warned that if SBI fails to act, he will escalate the issue to the Reserve Bank of India (RBI) and make it public across social media.
8. How is RBI connected to this issue?
As the regulator of banks in India, the RBI is responsible for consumer protection and can intervene in such fraudulent banking practices.
9. What should a consumer do if their number is misused?
They should:
- Immediately report the issue to the concerned bank
- Provide documentary proof of identity
- Raise a written complaint with RBI Ombudsman if unresolved
10. What can happen if the issue is ignored?
The complainant may continue receiving unwanted calls, and his credit score could be negatively impacted.
11. Can a mobile number alone be enough to open a credit card?
Ideally no. Banks must follow KYC norms requiring Aadhaar, PAN, and photo verification. If only a mobile number was used, this indicates serious lapses in SBI’s verification process.
12. Is Chandan Kumar the only victim in such cases?
Not necessarily. Many consumers across India face identity theft, data misuse, or unauthorized financial linkages. His case is an example of a growing concern.
13. What action can the bank take?
- De-link the complainant’s number immediately
- Conduct internal investigation
- Correct credit bureau records
- Ensure no fraudulent account continues in his name
14. What responsibility does SBI hold?
As the issuer, SBI Card is fully responsible for ensuring correct verification. Any failure amounts to negligence and consumer rights violation.
15. How can this affect day-to-day life?
Continuous recovery calls and wrong credit records can lead to:
- Stress and harassment
- Problems in applying for loans
- Reputational damage
16. Can this be considered financial fraud?
Yes, misuse of personal information like a mobile number for issuing credit cards falls under identity fraud and could attract legal action.
17. What are the consumer’s legal rights here?
Consumers have the right to:
- File a complaint with RBI Banking Ombudsman
- Approach consumer court
- Take legal action for harassment and damages
18. How should SBI prevent such cases in future?
By ensuring:
- Stronger KYC verification
- Cross-checking Aadhaar & PAN with UIDAI and IT department
- Immediate redressal mechanisms for such fraud reports
19. What message does this complaint send to other consumers?
It warns people to regularly check their credit history and ensure no unauthorized card or loan is linked to their name.
20. How can consumers check if their identity is misused?
They should:
- Check their CIBIL report regularly
- Track SMS/email alerts from banks
- Immediately question any suspicious credit account entry
End Note
This case highlights the critical gaps in customer verification and grievance handling at SBI Card. Chandan Kumar’s issue is a reminder that stronger consumer protection is urgently needed to prevent such misuse of personal information.
If you are also facing a similar issue with banks, financial institutions, or service providers and your complaint is being ignored, you can raise your voice through Choice4Voice.com.
Choice4Voice.com ensures that genuine consumer grievances are highlighted and brought to the attention of companies and regulatory bodies so that every consumer gets the justice they deserve.
