Deduction of amount for online transaction without any authorisation (Without asking otp or pin)?

Question

We have ordered a product from Amazon. The amount deducted from the account without even authorising with OTP or PIN for the transaction. Only the card details saved in Amazon.in website.How can you allow to debit from a customer acc without any authorisation?
 

Answer 1

Dear Rameshwar

At the outset, let me clarify that this site is designed and managed by a group of Senior Banking Professionals to assist Bank Customers at large to provide guidance for resolution of any complain/query/grievance in respect of financial services. This site does not belong to any Bank or a regulator, which may please be noted.

As rightly mentioned by you, without an OTP / PIN / Password, the transaction would not go through.  But, you admit that you have ordered a product from Amazon and unknowingly might have input PIN/PW, since the card details were already saved on the website of Amazon.  If that did not happen, then do approach your home branch with a written complaint.  If the branch is not helping out, you may email your grievance to Nodal Officer of the bank, whose details would be available on their website.  The bank is under obligation either to prove that the transaction was successful technically with security inputs or reverse.

RAJA