Hello @ShubhakarB
Welcome to the Niyo Community! 
Thank you so much for taking the time to speak with me today. We’re truly sorry to hear about your experience. 
It’s incredibly frustrating to see unauthorized transactions, especially when an OTP wasn’t provided. I completely understand how urgent this is for you, and I’m here to help get this sorted out. 
Please rest assured that I’ll escalate your issue immediately to ensure it receives the attention it deserves. We’ll be reaching out to SBM Bank to investigate this matter further, and we’re committed to resolving it as quickly as possible.
I also noticed that you have a complaint under ticket #2586807. We will prioritize this and ensure follow-up actions are taken. Thank you for your patience during this time—we truly appreciate it.
