Lut Gaya Mein Please Help

Contact apple as well asap

Flipkart doesn't use 2FA for login (This is bound to happen with predictable passwords)

1. You can use credit cards for gift card purchases (No restrictions)

2. CyberCrime report won't be of much use but do it anyways (Might help with the next step)

3. OTP isn't shared (Mandatory for domestic transactions) so you can always file a chargeback with bank and get the money back (high chances, even if FK doesn't help). But its possible that your phone got compromised (OTP sent to fraudster via Malware/Spyware app)

and dont flopkart it have all the kinds of problem now

AmyG wrote:
Contact apple as well asap

I was thinking but don't have gv number 

How I can approach them?

Venom14 wrote:

I was thinking but don't have gv number 

How I can approach them?

Download invoice from Flipkart order history and share that with them if they may help

May be your email id is compromised here. Buyer must have taken otp from email id and Flipkart now allowing login through otp so he has access of your email id for sure if you haven't shared phone/otp/3rd party screen share.

Your email password may be poor and 2FA verification is not on in your email.

getready wrote:

Flipkart doesn't use 2FA for login (This is bound to happen with predictable passwords)

1. You can use credit cards for gift card purchases (No restrictions)

2. CyberCrime report won't be of much use but do it anyways (Might help with the next step)

3. OTP isn't shared (Mandatory for domestic transactions) so you can always file a chargeback with bank and get the money back (high chances, even if FK doesn't help). But its possible that your phone got compromised (OTP sent to fraudster via Malware/Spyware app)

I have checked even with spyware scanner no problem found

Even i check the device administration, accessibility and develper options also

If i assume that gmail compromised then no login activity from other devices 

It is just 3 location 1 phone and 2 pcs which is true

Smiling wrote:

May be your email id is compromised here. Buyer must have taken otp from email id and Flipkart now allowing login through otp so he has access of your email id for sure if you haven't shared phone/otp/3rd party screen share.

No details about it in mail neither from Flipkart nor from gmail

Venom14 wrote:

I have checked even with spyware scanner no problem found

Even i check the device administration, accessibility and develper options also

If i assume that gmail compromised then no login activity from other devices 

It is just 3 location 1 phone and 2 pcs which is true

Check past login. May be he cleared data

Venom14 wrote:

I have checked even with spyware scanner no problem found

Even i check the device administration, accessibility and develper options also

If i assume that gmail compromised then no login activity from other devices 

It is just 3 location 1 phone and 2 pcs which is true

Kotak doesn't share OTPs via email so there's got be other source / some loophole
In either case, give FK couple of weeks to resolve this themselves and then you can go with card transaction dispute 

getready wrote:
Kotak doesn't share OTPs via email so there's got be other source / some loophole
In either case, give FK couple of weeks to resolve this themselves and then you can go with card transaction dispute 

Kotak share OTP on Email also

AmyG wrote:
Download invoice from Flipkart order history and share that with them if they may help

Talked to apple support no help from they said we do not save any details of customer

I don't know how they validate users and gift card

I think fraudsters know this i e he has done apple gift card transaction 

Venom14 wrote:

Kotak share OTP on Email also

Since when?
Got both savings account/debit card and credit card and this never happened in my case (No specific activation/de-activation request for such communications sent)
+ Even for saved cards, CVV got to be right for transaction to be successful. Yes, there were instances where certain PGs (including FK) ignored CVV/Expired but these wrong inputs could be helpful during chargebacks 

getready wrote:
Since when?
Got both savings account/debit card and credit card and this never happened in my case (No specific activation/de-activation request for such communications sent)
+ Even for saved cards, CVV got to be right for transaction to be successful. Yes, there were instances where certain PGs (including FK) ignored CVV/Expired but these wrong inputs could be helpful during chargebacks 

For dc, it shares on mail for me, not sure of cc

Did u ever gave ur phone for calling to someone.. If this hppnd may be he or she diverted ur mags to his or her number.. So they can track ur otp

Sorry for your loss bro.

Kotak is very well known for these stuff. Has happened with me few years back (in my case, it was debit card, I had never ever used that debit card, it was lying in my wallet since the day I had got it with kit but still somehow it was swiped at some posh hotel for ₹7000. (Not trying to demotivate but I had raised complain in the Kotak branch within 40 minutes for this transaction & still they couldn't help after taking 2-3 months of time).


Back then I was not aware about Banking Ombudsman (It happened around 5 Years back) or I would have escalated to them. But now, since we have them make sure you raise complain with them If bank doesn't help you in 30 days (make sure communication with them is very documented cause you will require it while dealing with Ombudsman).


Last but not the least, I don't have CC but meanwhile I would recommend you to pay this amount whenever bill is generated cause as far as I know this thing can do a big dent on your CIBIL score while might create a irreparable damage in the future.

shoppingfav wrote:

Did u ever gave ur phone for calling to someone.. If this hppnd may be he or she diverted ur mags to his or her number.. So they can track ur otp

Not given 

I checked my phone app list 3-4 times the only app see are installed by me only from Play Store 

Also never installed app like anydesk or team viewer 

Vijay007 wrote:

For dc, it shares on mail for me, not sure of cc

May be they're doing it now for DC (Last transaction with VDC on 1MG in June/July last year). But with credit card i make 3/4 transactions every month and never got OTP on email, past 1.5 years or so (Even transaction alerts are rare, received only once for tens of them)

getready wrote:
Kotak doesn't share OTPs via email so there's got be other source / some loophole
In either case, give FK couple of weeks to resolve this themselves and then you can go with card transaction dispute 

You can get Cc OTP via email also..it shows below "get OTP on email" option in OTP authentication page.

-Contact apple, they are good in support, they will cancel these gvs and initiate refund.

- make a chargeback on ur cc.

- log a case with fk and change ur password on immediate basis.

- dont panic

- log a cyber complaint

:- for future

- always make transaction capp on cc or even disable the transactios , and alter it only when u use.

- do not save card online, i know it is inconvenient but safety is not for convenience.

On cybercrime online how many cases I have to open while logging complaint it is asking details for 1 transaction only but my transaction are 3

What to do?

Alien-Hunter wrote:

You can get Cc OTP via email also..it shows below "get OTP on email" option in OTP authentication page.

That's right. Didn't pay attention to this one at checkout (by default it is just phone number)
Even a compromised email is enough then

kartikxxx wrote:

-Contact apple, they are good in support, they will cancel these gvs and initiate refund.

- make a chargeback on ur cc.

- log a case with fk and change ur password on immediate basis.

- dont panic

- log a cyber complaint

:- for future

- always make transaction capp on cc or even disable the transactios , and alter it only when u use.

- do not save card online, i know it is inconvenient but safety is not for convenience.

I doubt that apple will entertain the case until its been initiated from the Flipkart side.

Venom14 wrote:

No details about it in mail neither from Flipkart nor from gmail

Always switch off your cc on both domestic & international Txns for added peace of mind.
Just switch them on when you need to make a payment.

kartikxxx wrote:

-Contact apple, they are good in support, they will cancel these gvs and initiate refund.

- make a chargeback on ur cc.

- log a case with fk and change ur password on immediate basis.

- dont panic

- log a cyber complaint

:- for future

- always make transaction capp on cc or even disable the transactios , and alter it only when u use.

- do not save card online, i know it is inconvenient but safety is not for convenience.

Apple doesn't help me

I have kept limit of 5 k only i e has multiple transaction my limit is over else he have done more transaction

yourdaddy wrote:

I doubt that apple will entertain the case until its been initiated from the Flipkart side.

Yep
+ OP got no info about Apple vouchers apart from Order ID (which only Euronet seller got access to). And they're linked to fraudster's email ID (Resend Gift Card destination can't be changed)
Its a multi-step process to get the vouchers de-activated

Flipkart >> Euronet >> Apple

Venom14 wrote:

On cybercrime online how many cases I have to open while logging complaint it is asking details for 1 transaction only but my transaction are 3

What to do?

@getready any idea

Venom14 wrote:

@getready any idea

Experienced similar issues with other grievance portals too (Especially RBI Ombudsman). Went with multiple disputes but in this case, one should be enough? (Mentioned other transaction IDs under complaint details)

Venom14 wrote:

Apple doesn't help me

I have kept limit of 5 k only i e has multiple transaction my limit is over else he have done more transaction

What apple said?

In my friend's case, apple immediately cancelled digital services (as the gvs used to purchase digital services in us by someone) and assured that they will refund to card in 45 days.

Note - dont forget to make a chargeback on ur cc.