Fraud Unauthorised transactions done on Flipkart Axis Card

mk996071682 wrote:

I got to know that it was totally my misunderstanding and my account was balanced equally after that delayed debit. I stopped calling them. After 5 days I got refund/ Credit msg from PNB 25000/- too
Immediately cleaned my whole balance from PNB and shifted to another bank and enjoyed the whole day and slept a peacefull sleep

time to open pnb savings account

Did you get any reply from nodal officer

I have flipkart axis credit card on 29 December 2022 at morning 5 am fraud taken of 43390,totally 11 transactions. I have reported around 8 in morning as I got up at that time and immediately reported and blocked card, I got a reply that I will be taken care, but today they sent a mail saying that it was authorised transaction and I have to pay,why will I pay when I have not done anything I have filed a cyber complaint also.without sharing otp nor card no how can a transaction take place, I doubt those who have axis card check for your security as in 10 to 15 mins fraudster has taken entire limit and moreover no flag or suspicious activity detected by their systems.i have totally 4 cards this is the new card becoz of flipkart cash back I took this card. Did not know it would ruin my mental peace. I have to file complaint plz comment what I can do further

I have written to the nodal officer also

das241988.2844 wrote:

I have flipkart axis credit card on 29 December 2022 at morning 5 am fraud taken of 43390,totally 11 transactions. I have reported around 8 in morning as I got up at that time and immediately reported and blocked card, I got a reply that I will be taken care, but today they sent a mail saying that it was authorised transaction and I have to pay,why will I pay when I have not done anything I have filed a cyber complaint also.without sharing otp nor card no how can a transaction take place, I doubt those who have axis card check for your security as in 10 to 15 mins fraudster has taken entire limit and moreover no flag or suspicious activity detected by their systems.i have totally 4 cards this is the new card becoz of flipkart cash back I took this card. Did not know it would ruin my mental peace. I have to file complaint plz comment what I can do further

I have written to the nodal officer also

official_mandar_joshi wrote:
Hi bro, sorry I didnt understand about what you are talking when you messeged me as this thread is pretty old. Go through the post and replies. Ask them the questions which I had asked. Its good that you have already filed a complaint. My amount was chargebacked after 3 months. Always keep your card limits to 0. Whenever you need it, enable, use and again set it to 0. 

U got ur money back??

kannu.rider304 wrote:

U got ur money back??

Someone used my flipkart axis Bank credit card and used 90000rs , do i have to register FIR ? Immediately i blocked the card , what i have to do now ? 

sitapodila227 wrote:

Someone used my flipkart axis Bank credit card and used 90000rs , do i have to register FIR ? Immediately i blocked the card , what i have to do now ? 

Register FIR along with tell axis Bank card to block this transaction as it was unauthorised and request chargeback.

Should I have to complain in the local police station or cyber crime website

sitapodila227 wrote:

Should I have to complain in the local police station or cyber crime website

Nearby Cyber cell department

Registered complaint in cyber crime portal , raised charge back request to axis Bank, is FIR also needed ? Someone guide me 

sitapodila227 wrote:

Registered complaint in cyber crime portal , raised charge back request to axis Bank, is FIR also needed ? Someone guide me 

sitapodila227 wrote:

Someone used my flipkart axis Bank credit card and used 90000rs , do i have to register FIR ? Immediately i blocked the card , what i have to do now ? 

Domestic transactions 

Dear Customer,

This is with reference to your Service Request no. SAK00001580863 regarding disputed transaction for which you have raised a query.

Subsequent to the documents submitted by you, Bank has concluded the investigation process and we regret that Bank will not be able to refund the disputed amount as the transactions are secured two factor authenticated transactions with OTP/PIN.

Further, the shadow credit, if provided on your account, is being removed. In case of Credit Card, you are requested to make the payment at the earliest to avoid any additional charges.

In case you are not satisfied with our response, you may contact our Nodal Office at 080-61865200 (between Monday to Friday from 9:30 am to 5:30 pm except 2nd & 4th Saturdays and Bank holidays) or write to us at [email protected]

Axis Bank is committed to delivering the best service at all times. Visit https://www.axisbank.com/bank-smart/safe-banking/precautions-for-online-banking to read a few safe banking practice to ensure you continue to enjoy seamless banking with Axis Bank.

Always open to help you.

Regards

Axis Bank Ltd.

What i have to do now ? 

sector_7 wrote:
1) Block card
2) Raise fraud transaction dispute.
3) Contact cybercell.
4) Register FIR in police station.

Keep written proof of all conversations with the bank.

Bank denied refunding the amount,what i have to do in this case 

sector_7 wrote:
1) Block card
2) Raise fraud transaction dispute.
3) Contact cybercell.
4) Register FIR in police station.

Keep written proof of all conversations with the bank.

What course of action should I follow now. Senior dimers, please have a discussion on the issue, so that it will be helpful to me in getting my money back.

Bro domestic transaction without otp is not easily possible....explain a bit more like where exactly it was used like at any ecom then contact there for support

AJP wrote:

Bro domestic transaction without otp is not easily possible....explain a bit more like where exactly it was used like at any ecom then contact there for support

Yes. It is big problem as otp is must to do domestic transactions. Now only international transactions can be charged back as banks are saying you shared otp for domestic transactions. Basically cc companies usually denying domestic transactions now a days. 

sitapodila227 wrote:

What course of action should I follow now. Senior dimers, please have a discussion on the issue, so that it will be helpful to me in getting my money back.

AJP wrote:

Bro domestic transaction without otp is not easily possible....explain a bit more like where exactly it was used like at any ecom then contact there for support

I am also net getting idea exactly, he placed transactions from my flipkart account, card i saved, but how he got OTP and CVV , literally i have no idea 

sector_7 wrote:
Contact the nodal officer as the email states. Mention all the details, how the transactions happened.

Then contact the principal nodal officer if nodal officer is unable to resolve the issue.

Nodal officer takes around 3 days to reply. If they are unable to resolve the issue, contact RBI ombudsman.

Complained to nodal officer , will have to wait for the resolution , cyber crime portal complaint was transferred to local police station 

sitapodila227 wrote:

I am also net getting idea exactly, he placed transactions from my flipkart account, card i saved, but how he got OTP and CVV , literally i have no idea 

He purchased apple digital gift vouchers from my flipkart account 

sitapodila227 wrote:

He purchased apple digital gift vouchers from my flipkart account 

With in span of 2 to 3 minutes , i had disabled online transactions in axis app, immediately i called flipkart and told them unauthorised orders were placed and they are not delivered and requested them to cancel the transactions, as hacker/ fraudster has placed multiple transactions ( 9 orders ), they told me seller has put the orders in hold and assured me that the gift vouchers will not be delivered, but after 2 hours all gift vouchers were delivered to the hackers email, even i complained to nodal officers of flipkart about the issue, until now no resolution 

sitapodila227 wrote:

With in span of 2 to 3 minutes , i blocked online transactions in flipkart app, immediately i called flipkart and told them orders were placed and they are not delivered and requested them to cancel the transactions, as seller has placed multiple transactions ( 9 orders ), they told me seller has put the orders in hold and assured me that the gift vouchers will not be delivered, but after 2 hours all gift vouchers were delivered to the hackers email, even i complained to nodal officers of flipkart about the issue, until now non resolution 

sector_7 wrote:
The same thing happened with my close friend half a month ago.

10 transactions within a span of 7 minutes, total 71k. Early in the morning.

Someone placed orders of Apple Gift vouchers from his Flipkart account to an unknown email ID. He blocked the card as soon as he realised someone is performing transactions on it.

1) No idea how someone logged into his Flipkart account.

2) No idea how the hacker accessed the OTPs. He didn't share OTPs and yet Axis Bank states that the transactions were authenticated via OTP and are denying the claim of fraud transactions.

Now what resolution he got from the axis Bank.

sitapodila227 wrote:

Now what resolution he got from the axis Bank.

sector_7 wrote:
Even the Principal Nodal Officer denied chargeback. States that the transactions were authenticated via OTP.

Has your friend paid entire credit card amount 

sitapodila227 wrote:

Has your friend paid entire credit card amount 

Due date is near. He will pay it.

I think he has already sent an email to RBI Ombudsman. I do not know if he has received any reply yet.