Credit Card fraud beware :(
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Hi dimers
I wanted to bring to you some unfortunate news.. and hope that this will help alert others here. 
Yesterday(23rd nov) in the afternoon I received SMS alerts that 4 transactions have been made on my credit card (syndicate bank gold) totalling around 30,000 Rs. The purchases were made on Jasper Infotech (Snapdeal) and Myntra.com at midnight of 22nd November. However, I had never used the credit card 
in the past 8-9 months (since I got my HDFC card.
I immediately called Snapdeal first and told them to hold the orders made with my card but they asked for more details such as bank statement and FIR. I told them bank statement will take a couple of days to be generated but I went to the PS to register FIR. That was another pain as the card belonged to me (address Bhubaneswar), I was on a work trip in SILIGURI and the online transactions could have been done anywhere (internet) and the companies involved were in Delhi and Bangalore. Completely out of their jurisdiction. I pleaded with them for several hours and finally they registered the FIR however they said, they would not be able to do much after that. (Complaint number with Snapdeal: 1342362)
Then I called up snapdeal again and told them I have mailed them the pics of the FIR filed with my card number in order to kindly hold/cancel the orders placed with my credit card. They said they will see what they can do, meanwhile I am trying to get the bank to get me the transaction REFERENCE NUMBERS which is required by snapdeal to cancel and refund the amount. Meanwhile, on saturday and sunday their accounts team doesn’t work, and I dont know if they ship of these days or not. If they ship by Monday, then i dont know what will happen…
Hoping that Snapdeal holds the orders and does not dispatch them to the criminal who has hacked my credit card account. I hope he gets caught soon and at this point of time I feel so helpless that this country has no cyber crime infrastructure to curb such offences. Its like someone takes all your money from your hands and you just stand and watch!! At this point of time, I think I don’t think I will get the money back but I want to try my best…..
feeling very sad after reading this :-(
really wish u get ur money back
After entering card details, address…there is a verify by visa/master card code..without entering payment will not process. You don’t have that?
deadman wrote:
After entering card details, address…there is a verify by visa/master card code..without entering payment will not process. You don’t have that?
Yes, obviously I have that. Verified by Visa password. But as soon as I received the SMS intimation I checked and found that the password isn’t working anymore. SOMEONE HAD CHANGED IT somehow!!! This was the most shocking aspect and that why I wanted to warn you guys too… because I thought the system was waterproof. It seems hackers have found some other way….
Advice you guys to keep changing your passwords/codes regularly.
I called the bank and immediately got the card blocked.
And VISA T n C says that there are not liable for any online transactions.
Request SD to provide the shipping address to which the orders are supposed to be delivered. Since you already filed FIR, they might just give it
jy9585 wrote:
Request SD to provide the shipping address to which the orders are supposed to be delivered. Since you already filed FIR, they might just give it
I requested, but they cannot divulge such info to me, they can only do so to investigating authorities such as the police when put up the request. For now, I can only ask them to cancel the orders and refund the amount to the card account.
jy9585 wrote:
Request SD to provide the shipping address to which the orders are supposed to be delivered. Since you already filed FIR, they might just give it
U can also intimate the courier companies and online shopping sites….dont leave it simply…if possible give something(gift) to police(cyber) also and get more help..if u catch one criminal…so many people can be saved…
thats why i think twice before using my card….prefer internet-banking axis,CUB etc…they have 2,3 step verification process.
makyubex. 1 more Suggestion
Call Snapdeal and myntra.com and ask if they deliver this product you willl file FIR against them also as his is a serious case of cheating. Dont forget to record your call and take reference no. for your record.
U can also intimate the courier companies and online shopping sites….dont leave it simply…if possible give something(gift) to police(cyber) also and get more help..if u catch one criminal…so many people can be saved…
The thing is I am in SILIGURI, no cyber crime department here and secondly I don’t know which courier companies are the online shopping sites going to use, moreover I don’t even know the order numbers.
All i know is the date, time , amount of transaction and the company with which the transactions have happened. I have intimated the companies of the same, and asked them for cooperation in tracking the orders made with my card on the said dates and times.
As far as police is concerned, I can request the Siliguri Police to forward it to a cyber crime branch, but for now themselves don’t know how to proceed or even fill up the paper work because there is no “state” where the crime is performed. For all they can say, it could have been done from Russia or the moon, wherever internet is available. Sad state of infrastructure and knowledge.
Anant wrote:
makyubex. 1 more Suggestion
Call Snapdeal and myntra.com and ask if they deliver this product you willl file FIR against them also as his is a serious case of cheating. Dont forget to record your call and take reference no. for your record.
Good suggestion. I will try and scare them into not delivering the products, but right now I need their cooperation as no one is ready FIR against some crime committed outside their jurisdiction area. In this case, if they dispatch products from their warehouses in Bangalore or Delhi I will have to file an FIR in that area. And by that time, the product would have been delivered and things will get caught in the police, court, case red tape.
Here are some steps I searched on internet for u
http://computing.in.msn.com/safe/article.aspx?c…
Online Fraud
If you suddenly find out that your money has disappeared from your bank account or there have been discrepancies in your credit statements, your accounts might have been compromised.
• Contact your bank and start the process to ensure that you don’t lose any more money. Ask your bank how you can dispute charges and recover funds.
• Set up a fraud alert with cyber crime cell.
• Watch your credit card and other statements and see if there are transactions that you have not made. This is to ensure that there has been no identity theft.
• File a police report in your area
Cyber crime helplines
a) Superintendent of Police, Cyber Crime Investigation Cell (CCIC); Web: http://cbi….in; Email: cbiccic@bol….in
b) Resource Center for Cyber Forensics (RCCF); Web: www.cdac…in; Email: cyber@cdac…in
c) India Computer Emergency Response Team (CERT-In): www.cert-in….in
EMAIL THEM AND EXPLAIN EVERYTHING AND DONT FORGET TO KEEP SNAPDEAL AND MYNTRA CUSTOMER CARE IN CC
i think the pc/laptop from which u were making transaction r infected with virus
The people should be caught by their address which given for ordering 
Hope you should get your money back 
LOL police 
Even i lost my mobile and went to give complaint they asked me in which area i lost my mobile if i said another area name then they will say to go and give complaint there That time itself i thought that i have to forget about my mobile n i forgot Even i activated mobile tracker but of no use till now the thief didnt switch it ON and here in our city there is also a market where we can change the mobiles IMEI numbers for some 200 to 250 bucks so i lost my hopes now also sent an email to [email protected]
• Contact your bank and start the process to ensure that you don’t lose any more money. Ask your bank how you can dispute charges and recover funds.
This is the first thing that you immediately need to do… As bank can take action from its end.. Its their liability after you inform them about this.. They themselves will inform SD and Myntra….
These days all cards come with zero liability on lost or damaged and Fraud protection
makyubex wrote:deadman wrote:
After entering card details, address…there is a verify by visa/master card code..without entering payment will not process. You don’t have that?
Yes, obviously I have that. Verified by Visa password. But as soon as I received the SMS intimation I checked and found that the password isn’t working anymore. SOMEONE HAD CHANGED IT somehow!!! This was the most shocking aspect
In that case, your PC or laptop have been hacked. [ hoping that you have not used your credit card in cybercafe or somewhere else ]
Have you downloaded any exe file? or some unknown person sent you exe file? By those kind of exe file, hacker will get all information which you typed. [ my personal experience as my mail accounts has been hacked like that ]
if order has been placed , it’s easy to find the crook by delivery address from the those orders.
From where you did these transactions ? From your PC/laptop ? It might be the case that there is a spyware or keylogger installed on the computer..
Friends
I just returned from the police station, they are still pending the case filing as they dont know what sections to apply and all. asked me to come after 3-4 days. But I have managed to get the details of the transaction from my Bank (as my father is AGM in the bank he quickened the process). I am going to mail the details to snapdeal and call Snapdeal to stop the transactions/dispatches.
I will update you all with the proceedings….and thanks for the inputs…I will go through those as soon as I finish my call with snapdeal.
omsairam wrote:
From where you did these transactions ? From your PC/laptop ? It might be the case that there is a spyware or keylogger installed on the computer..
No transactions were done from my personal laptop and I have never installed any “exes” that are dangerous as per my knowledge (ps: either that or I am sucky computer science major)
girisheaven wrote:
• Contact your bank and start the process to ensure that you don’t lose any more money. Ask your bank how you can dispute charges and recover funds.
This is the first thing that you immediately need to do… As bank can take action from its end.. Its their liability after you inform them about this.. They themselves will inform SD and Myntra….
These days all cards come with zero liability on lost or damaged and Fraud protection
I have already started the process with the bank. And I have informed the customer cares of both Myntra and Snapdeal. Haven sent them details of fraudulent transactions as well.
However, the VISA T n C does not cover any liabilities from online transactions as they believe that their passwords system cannot be hacked. Important thing is even if my PC was infected with some virus, I have not used the card on it(or anywhere) for the past several months, only now were the transactions made after so many days. Something seems fishy with the security systems.
keep active bro, these f***ing peoples, who did this act, need to be punished, agar address mile to de dena, aas pass ka hua to ghar pe jake ke sale ko thok ke aayeg, dont worry
The worst part is, the customer care people simply do not understand. Bloody parrots, we will get back to you in 48-72 hours!!!
What The hell is wrong with them.
Sorry to hear that bro .. glad that I dont have a credit card.
makyubex wrote:
The worst part is, the customer care people simply do not understand. Bloody parrots, we will get back to you in 48-72 hours!!!
What The hell is wrong with them.
bro try to contact icici myntra snapdeal through facebook
chip wrote:
Sorry to hear that bro
Actually in such cases, credit card transactions are safer than debit card or netbanking transactions. As in those cases, the money from your account is already gone and there is very little you can do about it.
In credit card frauds, you can contest the frauds with the banks and involved parties and attempt a resolution.
correct me if i am wrong dimers.
sukant1989 wrote:makyubex wrote:
The worst part is, the customer care people simply do not understand. Bloody parrots, we will get back to you in 48-72 hours!!!
What The hell is wrong with them.
bro try to contact icici myntra snapdeal through facebook
I managed to get past the dumb customer care people and get in touch with the floor supervisor/manager. They have assured me they will do the best they can do to track and stop the orders in time.
Their finance teams dont work on Saturdays which is another hiccup because, these managers don’t know how to track orders from CC numbers or other details. Monday ko pata chalega kya hoga.
Fingers crossed. Let’s see what happens…
first thing to do is cancel / suspend your credit cards immediately
done. as soon as i received SMSs.
But dump SMSs were delivered at around 2pm (23rd Nov) and the transactions (4 totalling around 30k) were done in a matter of 15 minutes between 11:47 pm and 00:00 am on 22nd Nov
makyubex wrote:sukant1989 wrote:makyubex wrote:
The worst part is, the customer care people simply do not understand. Bloody parrots, we will get back to you in 48-72 hours!!!
What The hell is wrong with them.
bro try to contact icici myntra snapdeal through facebook
I managed to get past the dumb customer care people and get in touch with the floor supervisor/manager. They have assured me they will do the best they can do to track and stop the orders in time.
Their finance teams dont work on Saturdays which is another hiccup because, these managers don’t know how to track orders from CC numbers or other details. Monday ko pata chalega kya hoga.
Fingers crossed. Let’s see what happens…
by monday they will courier the order to that hacker
makyubex wrote:
done. as soon as i received SMSs.
But dump SMSs were delivered at around 2pm (23rd Nov) and the transactions (4 totalling around 30k) were done in a matter of 15 minutes between 11:47 pm and 00:00 am on 22nd Nov
One thing I am sure that this chor is from INDIA only and very expert. He knows very well that it is very easy to crack syetem when the date changes . This is the fact/research that most cyber crimes are done between 11:30 PM and 12:30 AM.
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P.S.: I had used the card for transactions on the following websites in the past (i.e at least 8 months ago)
snapdeal.com
and maybe some more I dont remember right now..myntra.com
inkfruit.com
bookmyshow.com
pvr.com
infibeam.com
indiaplaza.com
ebay.in
makemytrip.com
yatra.com
letsbuy.com
flipkart.com
cleartrip.com
freecharge.in
paytm.com
rechargeitnow.com
dishtv.in
irctc.co.in
excitinglives.com