IN THE TAMILNADU STATE CONSUMER DISPUTES REDRESSAL COMMISSION, CHENNAI.

Present: Hon’ble THIRU JUSTICE R.SUBBIAH: PRESIDENT F.A. No. 1051 of 2024 And F.A.No.691 of 2025 [Against the order dated 18.03.2024 passed in C.C.No.72 of

2022 by the DCDRC, Chengalpattu].

Friday, the 31^st day of October, 2025 F.A. No. 1051 of 2024 The Branch Manager, State Bank of India, Medavakkam Branch, No.150, Tambaram Velacherry Road, Medavakkam, Chennai – 600 100.

... Appellant/opposite party - Vs –

Joseph Emmannuvel Dhas.D S/o N.Devadhason, No.1/6E, Parama Humsa Yohananda St., Vengaivasal, Chennai 600 126. ... Respondent/complainant For the Appellant/Opp. Party : M/s. S.Mahesh For the Respondent/Complainant: Party-in-Person F.A.No.691 of 2025 Joseph Emmannuvel Dhas.D S/o N.Devadhason, No.1/6E, Parama Humsa Yohananda St., Vengaivasal, Chennai 600 126. ... Appellant/ complainant - Vs –

The Branch Manager, State Bank of India, Medavakkam Branch, No.150, Tambaram Velacherry Road, Medavakkam, Chennai – 600 100. ... Respondent/ opposite party For the Appellant/ Complainant : Party-in-Person For the Respondent/ Opp. Party : M/s. S.Mahesh Both the First Appeals came up before me for final hearing on 07.10.2025, and on hearing the arguments of the counsel for the parties and on perusing the material records, and having stood over for consideration till this day, this Commission made the following:-

COMMON ORDER

R.SUBBIAH J, PRESIDENT F.A.No.1051 of 2024 has been filed by the opposite party as against the order dated 18.03.2024 passed in C.C.No.72 of 2022 by the District Consumer Disputes Redressal Commission, Chengalpattu, in allowing the complaint filed by the Respondent herein in part.

Not being satisfied with the amount awarded by the District Commission, the complainant has filed F.A.No.691 of

2025 for enhancement of compensation.

For the sake of convenience the parties in the course of this order will be referred as per their respective rankings before the District Consumer Disputes Redressal Commission, Chengalpattu.

2. In brief, the case of the complainant before the District Commission is that, he is having a Savings Bank Account with the State Bank of India, Medavakkam Branch, bearing Account No. 62121955555 and operating it with the Credit Score of “Gold Member Category” since 03.02.2010. Being attracted by the SBI advertisement, the complainant maintained internet banking just to pay monthly medical bills, to buy Rail Tickets, to recharge mobiles cards and to pay electricity bills. While so, on 17.01.2022, an amount of Rs.62,000/- has been looted from that Saving Account through internet transfer by fraudsters. The complainant has downloaded the SBI YONO App in his mobile phone and was using as per the advice of State Bank of India, based on the advice from SBI, that SBI’s YONO App, was promised as safe, secure and useful for Electronic Bank Transactions. As a result of which the complainant received a message in his mobile phone 9894307078, from unknown number 919178114278, stating that “Dear SBI user your SBI YONO Account will be blocked today. Please click here link to update your PAN Card Number. Thank you SBI https://cutt.ly/ilbxjkw”. Assuming that it was a genuine message from SBI, the complainant tried to open his SBI Internet profile at 17.07 PM on 17.01.2022. But the complainant could not open the profile and proceed further as the OTP sent for email update, could not be opened due to non availability of Adobe Acrobat Reader version 6.0 or above in his phone. This happened on 17.01.2022 at 17.12 PM. At that time the complainant had closed the internet banking.

(a) While so, on 18.01.2022, at 10.40 AM, the complainant received a message from SBI, stating that “Dear Customer, OTP to approve transaction of Rs.62,000.00 from your A/C No. ending 5555 to Pasfar Technologies Private Ltd., is 34322704. Do not share with anyone.-SBI”. This OTP has been received on 18.01.2022 at 10.40 AM from SBI, while the unauthorized Electronic Transactions has occurred