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The risks of letting your spouse use your bank debit card

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One woman ended up losing money after the ATM failed to dispense cash.

The next time you plan to casually give your spouse your debit card to quickly withdraw cash from the ATM, you may want to think twice.

A woman in India gave her debit card to her husband, and not only ended up losing Rs25,000, but also had to go to court against her bank.

On November 14, 2013, Vandana from Bangalore, who had just given birth, gave her State Bank of India (SBI) debit card to her husband along with the PIN, and requested him to withdraw Rs25,000 cash from a local SBI ATM.

The husband went to the ATM and inserted the card. The machine returned a slip showing that the amount had been debited, but the ATM did not release any cash.

When they approached the bank, they were told that an ATM card is non-transferable, and no other person apart from the account holder should be using the card. The bank turned down their claim since the ATM user was not the account holder.

Vandana then approached the Bangalore IVth Additional District Consumer Disputes Redressal Forum on October 21, 2014, alleging that SBI had failed to refund the Rs 25,000 she'd lost in the ATM transaction, a report in The Times of India said. She said she had just given birth and could not move out of home, hence had to ask her husband to draw the money on her behalf, the report added.

When the ATM did not release the money, the husband, Rajesh, called the SBI call centre only to be informed that it was an ATM fault and the money would be reverted to the account within 24 hours. With no sign of the money after a day, he approached the bank's branch with a formal complaint. But much to the shock of the couple, SBI allegedly closed the case in a few days, stating the transaction was correct and the customer got the money.

After running from pillar to post, the couple obtained CCTV footage that showed the husband using the machine, but no cash being dispensed. They further lodged a complaint with the bank, following which an investigation committee ruled that Vandana, the cardholder, is not seen in the footage.

Meanwhile, Vandana, through an RTI, obtained a cash verification report of the ATM for November 16, 2013, which showed excess cash of Rs25,000 in the machine. The report submitted in the court was later countered by the SBI counsel who produced a report showing no excess cash.

Before approaching the consumer forum, the couple made a final plea to the bank ombudsman who simply ruled, 'PIN shared, case closed.'

The case went on for over three-and-a-half years. Vandana said SBI should refund her money which was lost due to an ATM flaw, but the bank stood its ground, citing the rule that sharing ATM PIN with someone else was a violation. Further, the bank produced documents, including log records, showing the stated ATM transaction was successful and technically correct.

In its verdict on May 29, 2018, the court ruled that Vandana should have given a self-cheque or an authorisation letter to her husband for withdrawal of Rs25,000, instead sharing the PIN and making him withdraw the money.

The court dismissed the case.

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نشكركم زوار العرب اليوم على تصفح موقعنا وفى حالة كان لديك اى استفسار بخصوص هذا الخبر The risks of letting your spouse use your bank debit card برجاء ابلاغنا او ترك تعليق الأسفل المصدر : khaleejtimes

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