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…..
Tech_geek wrote:akshayw wrote:
Bhai agar online transaction hai to you can chargeback.Agar swap hoya to i dont know.
i think after cloning hacker can use it only for swipe transaction
for payment gateways regd. outside india, its not necessary to take additional check like VbV or secure code or safekey, so clone cards can be used online too, without the extra code till the validity in
case not blocked by you.
After 6 months means,, they can use it even after 6 years if validity is there !
@B@R_0_0_D wrote:@Tech_geek wrote:akshayw wrote:
Bhai agar online transaction hai to you can chargeback.Agar swap hoya to i dont know.
i think after cloning hacker can use it only for swipe transaction
for payment gateways regd. outside india, its not necessary to take additional check like VbV or secure code or safekey, so clone cards can be used online too, without the extra code till the validity in
case not blocked by you.After 6 months means,, they can use it even after 6 years if validity is there !
Barood bhai my question is – can i get charge back? how many months is not an issue. Suppose if my card is hacked and the hacker does some fraudulent transactions with it maybe online or offline and i get sms alert for the same. So can i receive a charge back coz its a fraud transaction? and after that i can block my card.
Tech_geek wrote:
someone plz answer my query -
if my credit card is cloned and some transaction is done after say 6 month then i wont be able to file a charge back ?
okey
time gap between chargeback request and transaction date should be limited, which may depend bank to bank.
Its been six month and this thread on this real life incident was full of suspense. Good to hear that money returned back (almost). The money that was not returned should have been disputed. Did you do that ? what was the response.
And FINALLY the (30K Question) what happened to the THIEF ? i dont have much hope from police but what about Cyber crime cell ?
The thief could not be traced. But I managed to get the money back, including the remainder which was refunded by the bank. The bank accepted that the transactions were indeed fraudulent.
Ever Since, i have not used that card. However, I have used different cards for different transactions online…
Still that incident will keep me alert for any suspicious activity on any website.
makyubex wrote:
The thief could not be traced. But I managed to get the money back, including the remainder which was refunded by the bank. The bank accepted that the transactions were indeed fraudulent.
Ever Since, i have not used that card. However, I have used different cards for different transactions online…
Still that incident will keep me alert for any suspicious activity on any website.
Good that you received ur money back.. congrats
but, the thieves purchased online and police did not get their address ?
makyubex wrote:
The thief could not be traced. But I managed to get the money back, including the remainder which was refunded by the bank. The bank accepted that the transactions were indeed fraudulent.
Ever Since, i have not used that card. However, I have used different cards for different transactions online…
Still that incident will keep me alert for any suspicious activity on any website.
Ant bhala to sab bhala!
bumped for ravio,
u can contact atlantic for help, he got the money back from snapdeal
u can also take the help from Achilles, RDX, Venkat , cm4444
i think after cloning hacker can use it only for swipe transaction