Unauthorized Transaction

29°
Deal Newbie
advhanumesh981

Hii friends 

Recently on 03.04.2022 around 5. P.M  I faced an Unauthorised transaction of Rs.14850/- from my Flipkart Axis Credit Card and t I have not received any messages relating to the transaction and same came to my knowledge on 07.4.2022 when I checked my statement in Axis Bank application the 4 transactions which were showing for the amount of Rs.14850/- are debited for FLIPKART PAYMENTS BANGALORE, later I immediately reported to the bank officials and reported the Incident they blocked my card and ensured to conduct an investigation within 60 days.

Meantime I also reported to the Flipkart team but they not respond and refused to give any information and called again to Axis customer care for reporting to the Police station but they clearly stated not required to approach.

Thereafter, they emailed me that they are not liable to refund or waive off the amount and if not satisfied with their reply instructed me to report to the Nodal officer, when I forward the incident report to the Nodal officer after a week they replied the following email 

We apologise for the inconvenience caused to you.

04/04/2022 03/04/2022 FLIPKART PAYMENTS, BANGALORE 4,455.00 DB
04/04/2022 03/04/2022 FLIPKART PAYMENTS, BANGALORE 1,485.00 DB
04/04/2022 03/04/2022 FLIPKART PAYMENTS, BANGALORE 4,455.00 DB
04/04/2022 03/04/2022 FLIPKART PAYMENTS, BANGALORE 4,455.00 DB

We would like to inform you that the above transactions are secured transactions which cannot be done unless the person is in possession of a credit card OTP Secure PIN, which is confidential in nature and known only to the cardholder unless the cardholder divulges the same to a third party.

Kindly note that the customer is solely responsible for maintaining the confidentiality of the password, registration data and other verification information, Axis Bank is not liable for loss or damage if any, arising from the customer’s failure to comply with the terms of service.

and now they are directed to approach the Banking Ombudsman and report to police authorities, now its turned into a headache and time consuming for me anyhow I have to fight against this so decided to take this incident further by reporting to the ombudsman and Cybercrime police in Bangalore.


I have seen many customers of Axis bank report unauthorised transactions on this platform, please share your valuable feedback and experience. and keep updating the issue.


Expiring In 15 days
Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
6 Comments  |  
6 Dimers
  • Sort By
Deal Cadet Deal Cadet
Link Copied

All the best buddy.

As per my experience very unlikely for this to be disputed and recovered as per new ways of workings and process being followed by banks and financial institutes.

Recently had two transaction on government websites, done by me only, which failed at end stage after payment deduction.

Reached to HDFC and OneCard respectively and both of them asked me to get a confirmation from Merchant about non-receipt of fund. Only then they agreed to proceed with dispute/chargeback. I found it quite odd as in past when I had raised dispute (many years back, only once), there was no such ask for merchant confirmation. I challenged both institutes – what happens in case the merchant is a fraud and doesn’t deliver post receipt of fund. They said that these are requirements from Visa as chargeback are costly affair…

Deal Cadet Deal Cadet
Link Copied

Do Police complaint and check with lawyer also.

Tweet reg the same
People can suggest ways to find out ways to recover loss

Deal Cadet Deal Cadet
Link Copied

Unless and untill you write to Axis Ceo
Only 5 percent can be recovered

Deal Subedar Deal Subedar
Link Copied

1)Do you keep the FK Axis card always on (without disabling domestic and international transactions?

2)Is your FK axis charged by flipkart ?

3)What is unique point from you to show the proof that you did not make that transaction?

Deal Newbie Deal Newbie
Link Copied

I have raised a formal complaint before cybercrime P.S Bangalore, they received the complaint formally without registration of FIR  but I received the acknowledgement.
meantime I am raising the complaint before the banking ombudsman and also issuing a consumer notice 
1) for providing deficiency in service
2) not protecting my card details 
3) not receiving the transaction messages immediately.
4) Advising wrongly.
5) for not investigating properly 

the point is a transaction is not made from my Flipkart account and there are no transaction details at all provided from Flipkart or Axis.

Lucknow Super Giants Lucknow Super Giants
Link Copied
advhanumesh981 wrote:

I have raised a formal complaint before cybercrime P.S Bangalore, they received the complaint formally without registration of FIR  but I received the acknowledgement.
meantime I am raising the complaint before the banking ombudsman and also issuing a consumer notice 
1) for providing deficiency in service
2) not protecting my card details 
3) not receiving the transaction messages immediately.
4) Advising wrongly.
5) for not investigating properly 

the point is a transaction is not made from my Flipkart account and there are no transaction details at all provided from Flipkart or Axis.

Keep updating bro

replyuser
Click here to reply
Reply