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Urgent: Sbi credit card fraud txn, lost 1.22 lakh

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Crowdpuller
ansh7

One of my friends has been ripped for Rs 1.22 lakh with 2 fraud txn of 61000 each on cheq app with his sbi credit card. He shared all otps to fraudester. Txn happened today between 4pm and 5pm.

Reported fraud txn on sbi card app. What should he do next?

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Deal Subedar Deal Subedar
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@flash007

As per google😂

No further comments 

Crowdpuller Crowdpuller
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@HasdaChehra

Someone lost money and u r here for pun. Please dont comment if you cant advise something relevant

Deal Cadet Deal Cadet
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File an FIR ON CYBERCRIME and send it to Headcard immediately

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Cool Cool
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Nothing can be done.

SBI is worst in this case. Even if you file chargeback..

Deal Subedar Deal Subedar
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image

Shared OTPs 😳

And you reported it as fraud.

Benevolent Benevolent
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Indeed it is a fraud/scam. 

Fraud definition as per Google:
1. (an act of) cheating somebody in order to get money, etc.
2. a person who tricks somebody by pretending to be somebody else
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Talk-Of-The-Town Talk-Of-The-Town
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Brother sorry for your friend's loss

But as OTP was shared

Then it construed as a consented transaction and does not falls under purview of fraudulent transaction

Hence I don't think anything can be done now

As bank will not be accountable in that case

Btw why he shared the OTP at first place

U can try for chargeback

But personally speaking I don't think anything is possible

Tagging some of my friends for more visibility

@abhishek012 @V76 @longlivesonusood @Vijay_Thalapathy

   

Deal Subedar Deal Subedar
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I would suggest you to involve cybercrime aswell in this case. 

Solution to your friends complaint will be subject to department's discretion.

Deal Cadet Deal Cadet
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File an FIR ON CYBERCRIME and send it to Headcard immediately

Helpful Helpful
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nothing can be done, contact cc , let them know, who shares otp twice, must read the sms.

Deal Cadet Deal Cadet
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File FIR online and get cyber complaint first , even if you shared OTP it is fraud by the fraudster, so if you have FIR filed and that FIR can be submitted to CC company , there is 50% chance of going things on the positive side


So "FILE FIR FIRST ONLINE" and inform "CC company about this as well on written Email"

There is chance for reversal if FIR police complaint got fruitful in some months.

So FIR and wait for police confirmation ON SOME SOLUTION for it WORST IS for 2 to 3 months regarding this and after that you might have some solution or lucky is 3 days time

So please file FIR ONLINE FIRST and do it NOW before its too late, since 3 days grace time is usually there for CREDIT CARD TRANSCATIONS for processing

if CC Company wants they can reverse the transaction in 3 Days, SO PLEASE GET FIR FIRST AND DO THIS REVERSAL REQUEST TO SBI immediately

Hope this saves

Approach SBI CREDIT CARD / BANK in person WITH FIR AND SOLVE THIS, all the best

Note: FIR CAN BE FILED ONLINE TOO REMEBER THAT

NOTE2: CREDIT CARD HAVE 3 DAYS BEFORE ACTUAL TRANSFER HAPPENS SO THIS CAN BE STOPPED BY BANK IF YOU HAVE PROPER FIR I THINK

Crowdpuller Crowdpuller
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https://cybercrime.g...n/  is this the web you are talking about online FIR?

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Beacon Beacon
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I don't understand how people share OTPs and immediately realise that fraud happened with them, almost suddenly they start remembering every legal option to attempt recovering the money.

Deal Cadet Deal Cadet
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Human mind is easy to trick with crave, so it happens, normal human tendancy, but there is always a solution smile 

FIR + VISIT TO BRANCH WITH FIR ON HAND WILL SOLVE THIS
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Deal Subedar Deal Subedar
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Isn't cheq a credit card payment app? How did he lose money using a credit card in it?

Deal Cadet Deal Cadet
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ah good question , i haven't thought that, i was concentrated on finding solution till now, hmmm but now i am interested to know how this scam/fraud happened too


Cheq app only allow only payment using other modes of transaction (i.e other than credit card) so how come SBI CREDIT CARD used as payment there?


@ansh7

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Generous Generous
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Fir hi nahi lete police wale.. bolte hain jaha hua hai waha jao

Deal Cadet Deal Cadet
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Similar thing happened with one of my Known. 

Bank was icici, method was rent payment. 

Otp was not shared but somehow fraudster get acces to OTP may be by some screen sharing or anything else.

Immediately contacted ICICI CC they raised complaint also from our side we raised the issue at cybercrime portal.

On 2nd or 3rd day there was temporary credit, net day was reversal of transaction,. All this within 3-4 days.

So, in your case , ask your friend to contact sbi cc asap, don't reveal you shared OTP ( as it can be accesed by fraudster innother ways as well ) the  write your complaint at cybercrime portal.

Wait for 30 days, if bank is not supportive shoot a case at RBI OMBUDSMAN as rbi clearly states customer has no liability of any fraudulent transaction if reported Immediately. 

Also its a CC not bank account so reversal is much easier for bank.

Deal Cadet Deal Cadet
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Nice way to raise complaint by not revealing the OTP part:) ya try this 
@ansh7
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Deal Cadet Deal Cadet
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I will be specific with 2 instances.

1. These credit cards are used for online shopping on some fake companies. If so with the help of cybercrime police, the chances of return is high. 

They dispute both the sender and recipient banks citing it's a fraud txn. Banks hold the amount and reverse the txn. FIR is mandatory and should be raised within 24 hrs. You will recieve amount in 3 working days.

2. Credit card companies should flag repeated amounts instantly and reverse the amount in this case. I didn't get how 2 txns went through. If you fight with bank citing poor security and data lo leaks, you will get 2nd txn amount only.

Generous Generous
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Everything is done by friend

Nobody takes ownership

Deal Cadet Deal Cadet
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Indeed its hard to write i been been made a fool before the official day

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Deal Cadet Deal Cadet
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@ansh7 Kindly keep us updated on this from time to time. Humbly requesting you

Deal Subedar Deal Subedar
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Nothing can be happened since the card holder had given shared OTP means given his consent.

Deal Cadet Deal Cadet
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Yes bank can't do anything. But cyber police can definately help if they want. They can confiscate all the fund of the scammers and his linked accounts. Domestic Digital payments can tracked easily but the real problem is police is too lazy to do this. 
Deal Cadet Deal Cadet
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For those who are blaming OP or his friend:

To be honest, all it takes is one bad day to fall victim to a scam. Scammers are becoming increasingly intelligent and persuasive. It's important to note that being scammed does not necessarily mean one lacks intelligence, even if it's an OTP scam. If you read news articles and posts on platforms like DD, you'll understand that even bank employees and those from the RBI have been scammed. I personally know someone who worked in fraud prevention at Amex and they were also scammed, specifically through a UPI scam. It can happen to anyone, especially when we're busy or in a rush and fail to pay attention to small details. Scammers take advantage of those moments. For instance, one day a Jiomart delivery person came to my house and I asked if he needed the delivery OTP. He explained that he couldn't mark it as delivered at that moment, but would call later in the evening for the OTP. I agreed. When he called in the afternoon/evening, I was in a hurry to take a bath and had to rush out, so I didn't check the sender of the OTP. Without thinking, I shared the OTP, luckily it was indeed from Jiomart. My point is, even though I am aware that OTPs should never be shared, on that particular day, the circumstances were such that I didn't check the sender of the OTP. I always check from whom/where I received OTP, but that day I missed to check that. This goes to show that anyone, even those who are knowledgeable about these scams, can fall victim under certain circumstances.

Bad day=  A lot of home/office work + Stressed mind + bad luck + In hurry. 

Also, OP shouldn't get upset with the comments, whenever you post something on a public forum one should always be ready for both positive and negative comment. Also, your friend actually ignored lot of red flags.  

Helpful Helpful
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I am shocked to see how at first SBI went through with such a high transaction value without getting blocked.

As per SBI trend, most of it blocks the card due to high value or new merchant being used.

Anyways sad for the loss, hope you and your friend have acted upon the advice shared above.

Benevolent Benevolent
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Yes Same Doubt , Used Rent Payment Option On CHEQ 40k... Payment Failed And Card Freezed Immediately And Got Sms To Contact Support...


Customer Care Asked Few Questions And Unblocked After Knowing It Was Genuinely Made By Us.

Deal Cadet Deal Cadet
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what's temporary credit means ?
can they reverse it in case they found its not bank issue ?

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Crowdpuller Crowdpuller
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After conversating with  my friend in detail with physical meeting, i came to know that he had not shared otps on call to fraudester, rather fraudester sent him link (something like google forms) which has sbicard logo and friend was asked to enter otp there by fraudester for change of card from pulse to cashback. He recently got the pulse card by sharing otp consent on link (usual process of sbicard application in which agent cheated him by changing card type) thats why he fell to trap of fraudester. The agent who had helped him getting his card, guessed well that my friend is not much knowledgefull (friend does nt understand english😛)   and as per my guess that agent had leaked data to fraudester (e.g. friend want cashback cc, had 1.25 lakh limit sbi cc and 1.08 lakh limit hdfc cc, enters otp happily in links 😜) .

Deal Cadet Deal Cadet
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May be agent also will get his share for leaking data.

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