Central Information Commission
Tapan Kumar Bose vs State Bank Of India on 28 February, 2025
के ीय सूचना आयोग
Central Information Commission
बाबा गं गनाथ माग,मुिनरका
Baba Gangnath Marg, Munirka
नई िद ी, New Delhi - 110067
ि तीय अपील सं ा / Second Appeal No. CIC/SBIND/A/2024/607530
Tapan Kumar Bose ... अपीलकता/Appellant
VERSUS
बनाम
CPIO: State Bank of India,
Midnapure, W.B. ... ितवादीगण/Respondents
Relevant dates emerging from the appeal:
RTI : 12.01.2024 FA : 30.01.2024 SA : 22.02.2024
CPIO : 29.01.2024 FAO : 20.02.2024 Hearing : 27.02.2025
Date of Decision: 28.02.2025
CORAM:
Hon'ble Commissioner
_ANANDI RAMALINGAM
ORDER
1. The Appellant filed an RTI application dated 12.01.2024 seeking information on the following points:
(i) I have submitted my complaints to you Vide complaint numbers: 361913595, 361913771, 361915609, 362127144 on 17/12/2023, just after the incident and due to your server problem your system not provide the complaint no. against the withdrawal of RS: 20,000/- through IMPS, which you have recorded in the system on 18/12/2023. The fact is I have one Savings Account with S.B.I, Midnapore Town Branch, Vide Account NO: ******3996, I am one senior citizen with 68 years old. on 17/12/2023 I have lost an amount of RS: 105000/- Out of which the payment through UPI was RS:85000/ and the payment through YONO IMPS was RS:20,000/- The fraudster told me that for taking Advance for sale of Page 1 of 4 my Flat, I have to credit a lump sum amount in their Merchant Bank Account, after that money will be returned instantly. with my Advance. They contacted me through OLX by seeing my Advertisement through OLX.
The total amount was debited through 4 transactions RS 20000/, RS35000/ RS 30000 & RS 20000/- It is observed that in case of first , RS 20000/ credited to Account no: *****4844 of Kotak Mahindra Bank, IFSC Code: KKBK0004605, Branch Name: CONNAUGHT PLACE, DELHI Branch and 2nd RS: 35000/- credited to same Account number: *******4844 of Kotak Mahindra Bank, CHANDNI CHOWK, Delhi Branch, but IFSC CODE is KKBK0004606, though Account Number is same. 3rd Rs:30000/-credited to Account NO:
*********7195 and IFSC CODE: PUNB0634900, the Branch name, PUNJAB NATIONAL BANK, CLPC ASHOK VIHAR BRANCH, NEW DELHI and The last RS20,000/- was credited to A/C NO-********7195, IFSC-PUNB0634900, CLPC ASHOK VIHAR BRANCH, NEW DELHI. through YONO SBI. I INFORMED THE MATTER TO YOU WITHIN ONE HOUR OF THE INCIDENT & ON SAME DAY. BUT WHILE CHECKING THE STATUS, IT IS SHOWING UNDER PROCESS I do not know whether the cheaters have already withdrawn the amount from those accounts or not, where my money was credited. UNDER RTI, I WANT TO KNOW WHAT STEPS YOU HAVE TAKEN FOR RECOVERY OF MY LOST MONEY. It is very much clear that I have done a great mistake due my ignorance in online transaction. But when realized my mistake, I instantly informed the BANK and also submitted my complaints. KINDLY INFORM AS PER RTI ACT, WHAT STEPS YOU HAVE TAKEN FOR RECOVERY OF MY LOST MONEY OF RS:105000/-
2. The CPIO replied vide letter dated 29.01.2024 and the same is reproduced as under :-
"Branch has reported the said incident with SOP to appropriate authority of the Bank. The concerned department has observed that since, the transaction initiated by the customer, it cannot be entertained."Page 2 of 4
3. Dissatisfied with the response received from the CPIO, the Appellant filed a First Appeal dated 30.01.2024 alleging that the information provided was incomplete, false and misleading. The FAA vide order dated 20.02.2024 upheld the reply given by the CPIO.
4. Aggrieved with the FAA's order, the Appellant approached the Commission with the instant Second Appeal dated 22.02.2024.
5. The appellant and on behalf of the respondent Sandeepan Mukherjee, AGM, attended the hearing through video conference.
6. The appellant inter alia submitted that he had complained about loss of money through IMPS transactions to the Branch as well as to the Banking Ombudsman. However, the respondent had not acted upon his complaint after acknowledging the same.
7. The respondent while defending their case inter alia submitted that the complaint had been examined and it was found that the transactions were initiated at the end of appellant. Therefore, there was no scope for refund for the said transactions.
8. The Commission after adverting to the facts and circumstances of the case, hearing both parties and perusal of records, observes that appropriate reply has been given by the CPIO, as per provisions of the RTI Act. Further, the appellant has sought resolution of his issue claiming refund through an RTI request and the same is beyond the ambit of relief available under the Act. No further action is warranted in the matter. Accordingly, the appeal is dismissed.
Copy of the decision be provided free of cost to the parties.
Sd/-
(Anandi Ramalingam) (आनंदी रामिलंगम) Information Commissioner (सूचना आयु ) िदनांक/Date: 28.02.2025 Page 3 of 4 Authenticated true copy Bijendra Kumar (िबज कुमार) Dy. Registrar (उप पंजीयक) 011-26180514 Addresses of the parties:
1 The CPIO State Bank of India, Regional Business Office - VI, Midnapore, Code No. 62951, 1st Floor, SBI, Midnapore Branch, Midnapore, West Bengal - 721101 2 Tapan Kumar Bose Page 4 of 4 Recomendation(s) to PA under section 25(5) of the RTI Act, 2005:-
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