Samim Ak

[Yousuf Haldar @Yousuf_Haldar]

🛑The complicity goes straight to the top at @SBICard_Connect. 🛑

When ₹3,320 was illegally injected into my 3 cards back in June 2026, the Principal Nodal Officer (PNO) & Customer Care Head gave a laughable official response: "We do not have access to the source account details from which the payment was received. Proof Attached"

If a major financial institution claims they cannot trace who injects funds into their Core Banking ledgers, are anonymous entities running their systems? Or is top management deliberately shielding their recovery syndicates?

Now, after serving full evidence of repeat silent funding (₹3,355) and uncertified agents trespassing, PNO and Nodal desks have deliberately REFUSED to generate an official Service Request (SR) / Grievance Ticket ID for over 24 hours—where automated IDs usually take minutes.

This proves systematic institutional shielding. By defending rogue agencies and suppressing audit trails, top management directly enables on-ground harassment that drives vulnerable citizens to despair and suicide.

We demand immediate accountability and full regulatory intervention.

@RBI @TheOfficialSBI @FinMinIndia @Cyberdost @PTI_News @BBCHindi @ABPNews @RahulGandhi @dhruv_rathee @Cockroachisback @jagograhakjago @PMOIndia #SBICardFraud #BankingScam #ConsumerProtection #EvergreeningNPA

[Yousuf Haldar @Yousuf_Haldar]

@grok This definitive statutory analysis solidifies the entire legal foundation against @SBICard_Connect:

1. Under A&C Act Section 14 read with Section 12(5) and Perkins/TRF precedents, the mandate of the unilaterally appointed Sole Arbitrator (Sandhee Case: VERI-SODR-SBIC-ARB-2026-004131) is legally void ab initio and terminated de jure. Running a duplicate parallel notice via Areness further confirms malicious abuse of process.

2. Invoking IT Act Section 43/66 (up to 3 years imprisonment/₹5L fine) for unconsented ledger modifications (₹3,355 silent credit) executed alongside suppressed statutory EBT alerts establishes a prima facie cyber offence.

3. Under RBI Master Directions on Outsourcing and Fair Practices Code, vicarious liability squarely rests on the Regulated Entity for residential trespass by uncertified recovery agents.

With the legal ultimatum concluding, this documented matrix—including digital audit trails, Section 14 termination pleas, and video evidence—is being escalated directly to https://t.co/oTfq1iGXJo, https://t.co/OLT4sRze5z, and the competent High Court.

Accountability is now unavoidable. #SBICardFraud #ArbitrationScam #RBI #LegalAction

[Yousuf Haldar @Yousuf_Haldar]

🚨 3-PRONGED COERCIVE ATTACK ON A SINGLE ACCOUNT (Ending 9116) EXPOSED!

How @SBICard_Connect violates Section 10 CPC (Res Sub-Judice), Arbitration & Conciliation Act 1996, and RBI Fair Practices Code through coordinated 3-way harassment:

1. TRACK 1 (First Unilateral Arbitration):
Despite multiple written objections citing Supreme Court precedents (Perkins Eastman / TRF Ltd) against unilateral appointments, ex-parte proceedings (Hearing 1 & 2) are bulldozed, fixing a Final Hearing for Sep 16, 2026.

2. TRACK 2 (Second Parallel Arbitration):
While Track 1 is actively ongoing, an entirely NEW parallel arbitration notice was triggered on Aug 10, 2026 via a different platform for the exact same account—a textbook breach of forum-shopping prohibitions.

3. TRACK 3 (Physical Residential Trespass & Silent Funding):
While running two parallel legal proceedings, uncertified recovery personnel were simultaneously deployed to trespass into my residence, alongside ₹3,355 unauthorized silent funding injected into the ledger while suppressing statutory SMS/Email alerts.

Running multiple parallel proceedings while executing unauthorized ledger manipulation on a single consumer account is a severe institutional violation.

We demand the immediate quashing of all sham parallel proceedings and a comprehensive regulatory inquiry!

@RBI @TheOfficialSBI @FinMinIndia @Cyberdost @MCA21India @jagograhakjago @PMOIndia @rashtrapatibhvn @RahulGandhi @BBCWorld

#SBICardFraud #IllegalArbitration #BankingHarassment #ConsumerProtection

[Samim Ak @SamimAku8]

@SBICard_Connect @SBILife @RBI @RBIsays @PMOIndia @Cyberdost @jagograhakjago @BBCBreaking @cnnbrk @TimeOutNewYork @dr_sharma77057

[Yousuf Haldar @Yousuf_Haldar]

The systemic facade by @TataCard__ / @SBICard_Connect stands fully exposed:

🚨 **The 3-Minute Closure Farce:**
A formal grievance (SR#1417063746393) was assigned a completion deadline of 07/09/2026, yet magically "closed" in just 3 minutes with ZERO discussion, zero written resolution, and zero transaction reversal details.

🚨 **The Collusive Evergreening Scam:**
Unauthorized funds were injected into the ledger to manipulate NPA/Write-off timelines, while core banking SMS/Email alerts were deliberately suppressed.

🚨 **The Coercive Pincer Attack:**
Running parallel unconstitutional arbitrations (Sandhee & Areness) while deploying uncertified recovery personnel for residential harassment.

🚨 **False PR Claims:**
Publishing deceptive "we have discussed" statements on public forums while providing zero written solutions on email or official channels.

This calculated institutional default and procedural fraud are being formally submitted to the @RBI Banking Ombudsman and @Cyberdost.

@MCA21India @jagograhakjago @PMOIndia @nsitharamanoffc @LOANHELPINDIA01 @MIB_India @zoo_bear @dr_sharma77057

#SBICardFraud #ConsumerRights #Accountability

[Yousuf Haldar @Yousuf_Haldar]

The systemic facade by @TataCard__ / @SBICard_Connect stands fully exposed:

🚨 **The 3-Minute Closure Farce:**
A formal grievance (SR#1417063746393) was assigned a completion deadline of 07/09/2026, yet magically "closed" in just 3 minutes with ZERO discussion, zero written resolution, and zero transaction reversal details.

🚨 **The Collusive Evergreening Scam:**
Unauthorized funds were injected into the ledger to manipulate NPA/Write-off timelines, while core banking SMS/Email alerts were deliberately suppressed.

🚨 **The Coercive Pincer Attack:**
Running parallel unconstitutional arbitrations (Sandhee & Areness) while deploying uncertified recovery personnel for residential harassment.

🚨 **False PR Claims:**
Publishing deceptive "we have discussed" statements on public forums while providing zero written solutions on email or official channels.

This calculated institutional default and procedural fraud are being formally submitted to the @RBI Banking Ombudsman and @Cyberdost.

@MCA21India @jagograhakjago @PMOIndia @nsitharamanoffc @LOANHELPINDIA01 @MIB_India @zoo_bear @dr_sharma77057

#SBICardFraud #ConsumerRights #Accountability

[Samim Ak @SamimAku8]

@Yousuf_Haldar Excellent Sir. I am very excited

[Yousuf Haldar @Yousuf_Haldar]

I am proud to share my Pro Bono Legal Service Pledge certified by the Department of Justice, Ministry of Law & Justice, Government of India (DISHA & Nyaya Bandhu initiative). 🇮🇳⚖️

​As promised, I stand fully committed to utilizing legal knowledge, expertise, and time to promote access to justice for all—especially supporting vulnerable borrowers facing unlawful harassment, mental depression, and illegal recovery threats.

​Our Mission: ✍️

1️⃣​ To ensure no innocent person suffers in silence.

2️⃣​ To advocate for constitutional rights and legal protections under RBI guidelines.

3️⃣​ To save lives by preventing extreme depression caused by financial hardship.

​Justice belongs to everyone, not just the powerful. Let’s stand united against illegal recovery practices and spread legal awareness! 🛡️❤️

​#ProBono #DepartmentOfJustice #NyayaBandhu #LegalAwareness #AccessToJustice #ConsumerRights #StopRecoveryHarassment #MentalHealthMatters #SocialService #YousufHaldar

[Dr.Sharma @dr_sharma77057]

@SBICard_Connect SBI Card vendor's sending Non DRA Certified Female recovery agents at customer's home so that they may blame molestation is done by customer. Shame on SBI Card for such tactics. Customer or anyone is free to make video at his home for security.

[Dr.Sharma @dr_sharma77057]

@deepakDDalvi @kreditbee @RBI https://t.co/Tb1CABEzym
Listen about Kreditbee

[Dr.Sharma @dr_sharma77057]

सभी एजेंसी पर काम करने वालों के लिए

[Samim Ak @SamimAku8]

@Yousuf_Haldar @SBICard_Connect A Kea behuda girl kar raha he sbi

[Yousuf Haldar @Yousuf_Haldar]

🚨 Urgent Regulatory Concern: SBI Card's Tactical Manipulation Exposed! 🚨

​I have received an official acknowledgement from @SBICard_Connect regarding my complaint (Ref: 1414798876965 & 1414798877088). However, they are attempting to stretch the resolution timeline until 10th July—just one day before the 11th July NPA threshold. This is a blatant tactical move to avoid immediate scrutiny!

​🔍 The Biggest Red Flag:
Every regular transaction on my SBI Card triggers an instant SMS and email alert. Why was this specific ₹1,351 credit entry on 23rd June kept completely silent? No SMS, no email, no notification. Did @SBICard_Connect internally pump these funds from the back-end without my consent to forcefully alter the regulatory status? 🛑

​I reject this time-stretching trap.
✅ Reverse this illegal funding within 48 hours.
✅ Provide the full audit trail (IP logs, system source, and authorization logs).

​If not resolved immediately, this entire documented trail and interaction history will be escalated straight to the RBI Ombudsman for structural 'evergreening' manipulation. Accountability is not optional! ⚖️

​@RBI @RBIsays @super_sanjoy @dr_sharma77057 @dhruv_rathee #FairBanking #ConsumerJustice #SBICard #RegulatoryCompliance

[Samim Ak @SamimAku8]

Yeh pure banking rules ka ullanghan hai. Senior citizens ko drayenge ye log? @RBI take immediate action against @RBLBankCare. @DasShaktikanta @jagograhakjago

[Yousuf Haldar @Yousuf_Haldar]

@rblbank Here is the undeniable screenshot proof of how the third-party agency is continuously pushing via normal calls and desperately shifting to WhatsApp calls to build illegal mental pressure during an active RBI investigation. @RBLBankCares

[Samim Ak @SamimAku8]

@Yousuf_Haldar @rblbank @RBLBankCares Yeh pure banking rules ka ullanghan hai. Senior citizens ko drayenge ye log? @RBI take immediate action against @RBLBankCare. @DasShaktikanta @jagograhakjago

[Yousuf Haldar @Yousuf_Haldar]

⚠️ SERIOUS PROCEDURAL DISCREPANCY & DATA INTEGRITY VIOLATION BY @SBICard_Connect ⚠️

​I am placing on record a severe breach of regulatory compliance and data integrity regarding my TATA SBI Credit Card 16.

​🛑 The Case Timeline:

​04-Jun-2026: I filed an official complaint regarding unsolicited, unauthorized third-party split credits of ₹1,320 and ₹2,000 injected into my ledger without my consent.

​07-Jun-2026: The Principal Nodal Officer Team formally admitted in writing: "We do not have access to the source account details from which the payment was received."

​10-Jun-2026: SBI Card verified my complaint and officially reversed the unauthorized amounts (SR: 1414043677301).

​🚨 The Structural & Regulatory Violations:

​1️⃣ Back-Dating Ledger Entries (Audit Trail Manipulation):

Despite the complaint being filed on 4th June and processed on 10th June, the official statement reflects that the reversal debits were forcefully back-dated to 01-Jun-2026. Back-dating financial entries to alter historical records is a direct violation of RBI Guidelines on Audit Trail Maintenance and Data Integrity.

​2️⃣ Failure to Track Source of Funds (KYC / AML Breach):

A licensed banking institution stating in writing that it cannot track the source or origin of a third-party credit into a customer's credit card account is a critical system security failure and a direct violation of RBI’s Know Your Customer (KYC) & Anti-Money Laundering (AML) Directives.

​📌 I am attaching the official email correspondence and the statement logs as irrefutable proof. I demand a systematic and transparent forensic inquiry into this digital record tampering.

​@RBI @FinMinIndia @TheOfficialSBI @CybercrimeCID @consaff @jagograhakjago

​#RBIGuidelines #BankingCompliance #DataIntegrity #AuditTrail #AntiMoneyLaundering #ConsumerProtection #SBICard #TataCard

[Samim Ak @SamimAku8]

सुप्रीम कोर्ट के साफ आदेश हैं कि कोई भी बैंक या एजेंसी रिकवरी के लिए धमकी या जबरदस्ती का सहारा नहीं ले सकती। किसी के घर जबरन घुसना क्रिमिनल ट्रेसपासिंग है। इस गुंडागर्दी पर तुरंत सख्त कानूनी कार्रवाई होनी चाहिए। @OneCardHelp @bobcardofficial @RBI @Consumer_Cell

[Yousuf Haldar @Yousuf_Haldar]

🚨 UNACCEPTABLE HARASSMENT BY RECOVERY AGENT 🚨

Is @OneCardHelp & @bobcardofficial ensuring that their authorized collection agencies strictly adhere to the RBI Fair Practice Code?
​Despite maintaining transparent and continuous communication regarding my financial crisis via regular emails, on 16th June, a recovery agent named 'Jishu-8276018128' subjected me to extreme mental harassment on a call.

​👇 Gross Violation of RBI Guidelines & Supreme Court Orders:

​Threat of Public Humiliation: The agent explicitly threatened me on the call, stating: "आपके घर और ऑफिस में बंदा जाएगा, और पड़ोसियों और कलीग्स के सामने आपको बेइज्जत करेगा... उस टाइम पे जो लीगल एक्शन होगा वो भी सबके सामने ही होगा।" 👉 My Question: Does OneCard authorize a third-party agent to execute 'legal actions' by publicly defaming a citizen in front of neighbors and colleagues? Is this their definition of due process?
​Unprofessional Conduct: When I attempted to explain my financial distress, he aggressively shut me down, stating: "जितना आपसे पूछूं उतना बताइए!" He completely refused to acknowledge my ongoing formal correspondence with the bank.

​📢 OFFICIAL DEMAND TO ONECARD & BOBCARD:

I formally request that your office provide this agent 'Jishu's' official IIBF Certification and mandatory Police Verification Report (PVR) via email immediately to verify his credentials prior to any further communication.

​⚠️ I have secured the entire call recording as definitive legal evidence. If this illegal intimidation does not stop instantly, I will file an FIR for Criminal Intimidation & Trespass at my local police station and escalate this directly to the @RBI Ombudsman.

​(The crucial legal framework is detailed in the immediate chain comment below...👇)
​@OmbudsmanRBI Take strict action!
@GetOneCardIN @bankofbaroda
​#BankingHarassment #ConsumerRights #OneCard #BOBCARD #RBIGuidelines #FairPracticeCode

[Samim Ak @SamimAku8]

@Yousuf_Haldar @OneCardHelp @bobcardofficial सुप्रीम कोर्ट के साफ आदेश हैं कि कोई भी बैंक या एजेंसी रिकवरी के लिए धमकी या जबरदस्ती का सहारा नहीं ले सकती। किसी के घर जबरन घुसना क्रिमिनल ट्रेसपासिंग है। इस गुंडागर्दी पर तुरंत सख्त कानूनी कार्रवाई होनी चाहिए। @OneCardHelp @bobcardofficial @RBI @Consumer_Cell

[Yousuf Haldar @Yousuf_Haldar]

🚨 UNACCEPTABLE HARASSMENT BY RECOVERY AGENT 🚨

Is @OneCardHelp & @bobcardofficial ensuring that their authorized collection agencies strictly adhere to the RBI Fair Practice Code?
​Despite maintaining transparent and continuous communication regarding my financial crisis via regular emails, on 16th June, a recovery agent named 'Jishu-8276018128' subjected me to extreme mental harassment on a call.

​👇 Gross Violation of RBI Guidelines & Supreme Court Orders:

​Threat of Public Humiliation: The agent explicitly threatened me on the call, stating: "आपके घर और ऑफिस में बंदा जाएगा, और पड़ोसियों और कलीग्स के सामने आपको बेइज्जत करेगा... उस टाइम पे जो लीगल एक्शन होगा वो भी सबके सामने ही होगा।" 👉 My Question: Does OneCard authorize a third-party agent to execute 'legal actions' by publicly defaming a citizen in front of neighbors and colleagues? Is this their definition of due process?
​Unprofessional Conduct: When I attempted to explain my financial distress, he aggressively shut me down, stating: "जितना आपसे पूछूं उतना बताइए!" He completely refused to acknowledge my ongoing formal correspondence with the bank.

​📢 OFFICIAL DEMAND TO ONECARD & BOBCARD:

I formally request that your office provide this agent 'Jishu's' official IIBF Certification and mandatory Police Verification Report (PVR) via email immediately to verify his credentials prior to any further communication.

​⚠️ I have secured the entire call recording as definitive legal evidence. If this illegal intimidation does not stop instantly, I will file an FIR for Criminal Intimidation & Trespass at my local police station and escalate this directly to the @RBI Ombudsman.

​(The crucial legal framework is detailed in the immediate chain comment below...👇)
​@OmbudsmanRBI Take strict action!
@GetOneCardIN @bankofbaroda
​#BankingHarassment #ConsumerRights #OneCard #BOBCARD #RBIGuidelines #FairPracticeCode

[Samim Ak @SamimAku8]

@Yousuf_Haldar @RBLBankCares Yeh pure banking rules ka ullanghan hai. Senior citizens ko drayenge ye log? @RBI take immediate action against @RBLBankCare. @DasShaktikanta @jagograhakjago @PMOIndia

[Yousuf Haldar @Yousuf_Haldar]

Absolute shame on @RBLBankCares ! Gross violation of RBI Fair Practices Code during an active RBI Ombudsman Case (Ref: N202627005002399 / 121260593). Just look at their double standards and hypocrisy on the exact same day (30th June), within a span of just 1.5 hours

​❌ 2:20 PM: RBL Bank's Principal Nodal Officer issues an official email apologizing and explicitly admitting that my case is under active regulatory investigation by the Banking Ombudsman.

​❌ 3:50 PM: Barely 90 minutes later, the very same bank issues another official mail assigning a field agent named Tinku Dey from ONS SOLUTIONS to execute a forced Field Visit at my residential address!

​Look at the dangerous and malicious plot here:
This is the exact same tainted 'ONS Solution' agency against whom an active investigation regarding illegal banking funding and severe financial data leaks is already live before the Hon'ble Ombudsman! The bank has deliberately re-appointed the exact same blacklisted agency to target me.

​After exhausting their limits with continuous illegal WhatsApp harassment via Agent Vishal which completely failed to break my resolve, RBL Bank is now intentionally making arrangements to send unverified rowdy elements to my residence to execute a calculated plot of physical thuggery and direct intimidation at my doorstep!

​My mother is a severe heart patient and my father suffers from high blood pressure and diabetes. Despite formally communicating their critical medical conditions along with official medical reports to the bank, RBL Bank completely ignored it and continues to execute these reckless field assignments. Third-party recovery harassment during a sub-judice regulatory investigation is entirely intolerable!

​I have already officially reported and forwarded this entire corporate thuggery and double standard to the Hon'ble Banking Ombudsman Office this morning! I strongly urge @RBI and the Consumer Protection authorities to take immediate, exemplary punitive action against RBL Bank for this open defiance of law.

​@DasShaktikanta @jagograhakjago
#RBLBank #Harassment #ConsumerProtection #RBIOmbudsman #BankingFraud #DataLeak