Delhi High Court orders SBI to compensate phishing scam victim
The Hindu
Delhi High Court orders SBI to compensate academician duped in phishing attack, highlighting bank's negligence in response.
The Delhi High Court has ordered the State Bank of India (SBI) to compensate a 55-year-old academician who got duped to the tune of ₹2.6 lakh through a sophisticated cyber fraud involving a ‘phishing attack’.
Justice Dharmesh Sharma, in the judgment delivered on November 18, highlighted deficiencies in SBI’s response, noting that despite prompt intimation from the account holder about the account breach, the SBI Customer Care Service “showed no urgency”.
The victim, Mr. Hare Ram Singh, stated that on April 18, 2021, he received an SMS containing a link. Shortly after, he got a call from an unknown caller who convinced him to click on the link contained in the SMS so as to keep the SMS service on his mobile number open and operational.
Mr. Singh said as soon as he clicked on the SMS link, ₹2.6 lakh was unauthorisedly withdrawn by way of two transactions in the sum of ₹1 lakh and ₹1.6 each, from his Savings Bank Account maintained with the SBI.
Upon realising that he had been defrauded, Mr. Singh immediately dialled the ‘Customer Care Department’ of SBI to register a complaint and seek a hold on the transactions that had been initiated without his permission, however to no avail.
He filed a complaint before the Branch Manager, SBI, Greater Noida besides filing a cyber complaint as well as a separate complaint with the Police. As his grievance was not redressed by SBI, he also filed a complaint before the Banking Ombudsman.
The Banking Ombudsman on October 20, 2021, asked SBI to credit one-third of the disputed amount i.e., ₹33,334 to Mr. Singh’s account and closed his complaint. Aggrieved by this decision as the remaining sum of ₹2,27,000 have still not been restored to his account, Mr. Singh moved the court.













