Credit Card Fraud?

Question

I have been lately encountered with credit card fraud and it's been over a year. I have been receiving calls from bank about a credit card due amount of Rs.75000 + and they are claiming that it's me. I told them that I have neither a  bank account nor a Credit Card of any Bank. After a few conversations, I realised it is an Identity Fraud. Someone got into my personal information such as My Full Name, DOB, My Father's Name, PAN Card number; applied and used a credit card for such a good amount of time. According to the bank, initially the due payments were paid for 8-10 months and suddenly it got stopped. And this is how they started contacting me. They reached my office and finally at my door step. I had to go with them like a thief to the bank carrying my all possible documents to prove myself innocent. After verifying my documents, even they got a little surprise as Bank information did not match with my other details except the above information. I went to the Bank multiple times to get this resolved ASAP. They told investigation has been started and assured me that they will not bother me again until it is fixed. I was relaxed for about 6 to 7 months and again started receiving calls for the same cause. This time they talk more rudely and just keep on asking for settlement inspite of telling them the same story. I'm honestly getting irritated and frustrated. My CIBIL score is really low because of Credit Card fraud. Bank NOT listening. They just want money. I went to Police Station to file the FIR against Credit Card fraud and they advised me to raise the same concern to a different Police Station at where the  bank HQ is located. I need justice and file a case against for Maan Hani Ka Dawa.

 

Answer 1

Hi Lenin

If it is case of impersonation, you have every right to file an FIR against the bank and impersonator. Since, you already took up the issue with the bank and they were supposedly investigating, why the fresh calls for recovery after 6-7 months.  Do  inform  the bank once again regarding the incidence and ask them to stop any proceedings against you.  An FIR with police would hasten up the investigations at Bank level, so that the issue could be closed.

RAJA