SBI Card declined fraud dispute — what options do I have now?
I was scammed through a vishing/social-engineering call where the caller impersonated a legitimate entity and convinced me to share my SBI credit card details and OTP. The scammer immediately used them to make an unauthorized transaction.
I reported the transaction to SBI and blocked the card. I raised a transaction dispute, but SBI has now declined it, stating that the transaction was authenticated.
I understand that sharing the OTP makes the case more difficult, but the transaction itself was not made or intended by me. Transaction was made to NoBroker for some reasons.
I’m now planning to escalate it through SBI’s grievance process and, if necessary, the RBI Ombudsman.
Has anyone dealt with a similar SBI Card vishing/OTP fraud case?
Were you able to get the chargeback reconsidered?
Did SBI actually submit the transaction to the merchant/acquirer for chargeback?
Did RBI Ombudsman help in such cases?
Are there any other escalation routes I should pursue?
Any practical advice or similar experiences would be appreciated.