Debit card online trancation?

Question

Hi Sir, I am Satish Pandey and stay in koperkhairane. Today i received a call  saying she is calling from  Mumbai Boriwali branch. She told me her name as Naina Kasyap with employee She told me that i am using credit card . I said i had closed my credit card before 1 year ago. She said here in her system it is not showing close and she wanted to convert my rewards points into cash and then transfer to my account. After taking information form her identity i have given my information through IVR as per the bank policy but an amount of 10000 rs suddenly deducted and i felt cheat here and stopped her to do that. She was saying since this is system maintenance issue so amount will credit into your account with in the one hour but amount not credited yet. I contact customer care and told the story and they were saying it is forgery case so you need to give us the FIR copy. we visited Rabale police station and they suggested to visit the CBD Belapur cyber cell. Please help us to return our money back.

Answer 1

Hi Satish,

At the outset, let me clarify that this site is designed 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.

Firstly I regret the delay in responding your mail. While I can understand your problem, the fact remains that you have acted without caution while sharing various personal information with an unidentified person. You are unlikely get any relief with regard to the amount lost. If you have not still got your credit card blocked, please get it blocked immediately, calling up the customer service department of your bank. If you do not have contact details in this regard, you can obtain the same from the bank's website.

The Police is right in directing you to register your complaint with Cyber Cell at CBD Belapur. The police may acknowledge your complaint but there is little possibility of any action least of all recovery of your money.

If you have already surrendered the credit card a year back as claimed in your mail, then you can hold your bank accountable for usage of your card for online transaction. This is possible only if hold any acknowledgement from your bank with regard to surrender of your card.

I am sure you have learnt a hard lesson  and you shall not allow yourself to be fooled in future in similar situation. Please share your experience with your friends and relatives without any hesitation to learn from your experience. I am sure you will be appreciated in this regard.

Regards

 

J R Mohandas