nothing can b done. Be careful in future
stella.dmonte654 wrote:Chargeback is with Merchant – so merchant lets say gift provider Woohoo / ZIngoy / GYFtr - will share there invoice and in rare case basis FIR may share GV after that you can track.
Now assume Paytm Bank – amount added with some charges to account – withdrawn from atm
So chargeback is something difficult but still worth to try.
@DesiLokesh if payment was done via payment gateway – Payu ; Razorpay you can ask them to block funds and share FIR copy – so in case if some goods has been ordered and in transit it may get caneclAlso try lodging online complaint at https://cybercrime.g...n/
Merchant name is showing as “Paytm” in statement.
Already done complaint with cybercrime, even got a call and sms with a form link to fill all details.
DesiLokesh wrote:Bro I didn’t even knew that his father has this credit card from SBI. This SBI people issued this card saying it was free(it was not) and they took it.
Now a days Cybercrime works very good, read some article recently on TOI+ but I do not have link
Complain and pursue the case there are lot of chances for recovery but arrange funds for payment in next bill as SBI won’t defer or give temp credit
I had something similar happened long time back. No, I did not share the OTP.
My SBI CC details got leaked somehow and the amount 37500 was spent in an international transaction (some Australian shop).
I blocked the card the following morning (this happened in midnight), lodged a complaint with SBI with a detailed mail sent including fraud transaction form, lodged a complaint in Cyber Crime (but they said they can’t do anything as it’s international transaction).
Anyway, SBI assured me they will review and in 7 days, got temporary credit of the same amount in the card.
The issue was resolved after 2-3 months in my favor but not much communication was needed from my end except the initial complaint and follow-up 2 days later.
In this case, OTP was shared willingly but you can try chargeback. I think it’s the only way.
And file an FIR as soon as possible!
Good Luck!
DesiLokesh wrote:Bro I didn’t even knew that his father has this credit card from SBI. This SBI people issued this card saying it was free(it was not) and they took it.
SBi does this a lot of cross-selling, they gave unnecessary insurance and cc to my sister also, who got a home loan.
CyberCrime dept. can get your money back faster if you bribe them or have influence, else it will take a lot of time.
Manitian wrote:What if we don’t tell sbi that OTP was given ? And raise a chargeback, just stick to story that it was fraudulent transaction. You did not share OTP.
Will this work @caks2006407 @japeshsingla @bhopali91355
to explain in short way otp is like key of a lock. you enter otp lock opens and money is debited. and this key cannot be duplicated.
Chin42 wrote:File a complaint to cyber police i heard almost a same case on toi two days ago they caught those people within days.
they caught those people within days.
police caught scammers,22g share link of this news
guest_999 wrote:There is also a thing called “chargeback” under which you can dispute the txns done on a credit card citing lack of service/quality/misleading selling. In such cases bank investigates & obviously no scamster will be able to pass the check unless the scamster is actually delivering something to your address.
happened with someone in my circle.
scammer ordered a phone from fk.he started chargeback.sbi contacted fk.fk said phone delivered two days ago to this address and this is the number mentioned on that account.no one answered that phone so sbi closed that case.
caks2006407 wrote:Now a days Cybercrime works very good, read some article recently on TOI+ but I do not have link
Complain and pursue the case there are lot of chances for recovery but arrange funds for payment in next bill as SBI won’t defer or give temp credit
Now a days Cybercrime works very good
😅
kukdookoo wrote:happened with someone in my circle.
scammer ordered a phone from fk.he started chargeback.sbi contacted fk.fk said phone delivered two days ago to this address and this is the number mentioned on that account.no one answered that phone so sbi closed that case.
Chargeback is supposed to be filed immediately or within few hours of order placed unless the txn is not fraudulent & you are claiming chargeback based on product quality issue or misleading sale of product.
Unfortunately, in this case liability is of the card holder since he willingly gave the OTP. Best chance is to obtain the IMEI number of the phone that was purchased from FK and file an FIR with the cyber crime dept
kukdookoo wrote:paji he filed in 20 minutes of amount debit
You said “sbi contacted fk.fk said phone delivered two days ago”. Are you saying sbi credit card did nothing to contact with flipkart regarding your friend case for 4-5 days(even fastest mobile delivery in flipkart takes at least 2-3 days for popular models) as it is hard to believe?
guest_999 wrote:You said “sbi contacted fk.fk said phone delivered two days ago”. Are you saying sbi credit card did nothing to contact with flipkart regarding your friend case for 4-5 days(even fastest mobile delivery in flipkart takes at least 2-3 days for popular models) as it is hard to believe?
paji he contacted both fk and sbi. sbi took 4-5 days to respond. yeh scammer bahut tez ha suppose iphone is shipping from shipping centre in abcd city so they will mention address of same city because they know ki product will be delivered faster.they mention address like highway ke niche, chowk ke piche.jab tak sbi contacted website product was delivered.
budweiser wrote:Unfortunately, in this case liability is of the card holder since he willingly gave the OTP. Best chance is to obtain the IMEI number of the phone that was purchased from FK and file an FIR with the cyber crime dept
paji koi website kisi dusre account se purchase kiye mobile ka imei number thodi degi kisi ko.cyber cell to sabse bda majak ha aam admi ki help nahi karte.
Request all Dimers to set Transaction Limit / Daily Limit on your Credit Cards.
I have already setup the same as 10000 in all my Cards.
Turned off Transaction rights for Indusind and One card, as both cards dont have Limit setup.
Edit : Thanks @Tanmayyy
Scorpion wrote:Request all Dimers to set Transaction Limit / Daily Limit on your Credit Cards.
I have already setup the same as 10000 in all my Cards.
Turned off Transaction rights for Indusind and One card, as both cards dont have Limit setup.
Onecard does have the option to set limit though
kukdookoo wrote:paji he contacted both fk and sbi. sbi took 4-5 days to respond. yeh scammer bahut tez ha suppose iphone is shipping from shipping centre in abcd city so they will mention address of same city because they know ki product will be delivered faster.they mention address like highway ke niche, chowk ke piche.jab tak sbi contacted website product was delivered.
Then it is sbi credit card company fault(assuming it was sbi credit card & not debit card) & maybe your friend didn’t followed the matter with as much intensity as needed. This is why American express cards are best, in this same situation your friend most likely wouldn’t have to do anything after making a phone call & txn would have been reversed. This is why reward points & offer benefits are not the only things that makes a credit card company great.
guest_999 wrote:Then it is sbi credit card company fault(assuming it was sbi credit card & not debit card) & maybe your friend didn’t followed the matter with as much intensity as needed. This is why American express cards are best, in this same situation your friend most likely wouldn’t have to do anything after making a phone call & txn would have been reversed. This is why reward points & offer benefits are not the only things that makes a credit card company great.
Paji icici isse bhi ghatiya ha chargeback time
guest_999 wrote:I knew one of my friend whose icici debit card was cloned & used to withdraw cash from atm. He filed a police report & after around 3 months icici reversed the entire txn.
with police complain yes. but in my friends case the chargeback team was useless, vo thread dhoond ke bhejta hoon aapko paji.
Any update @DesiLokesh
xxxyyyzzz wrote:Any update @DesiLokesh
Nahi Bhai, cybercrime wale bol rhe hai ki update milega to humko contact karenge, bank wale to kuch nahi kar rhe hai, keh rahe hai ki OTP transaction hai to kuch nahi kar sakte
DesiLokesh wrote:Nahi Bhai, cybercrime wale bol rhe hai ki update milega to humko contact karenge, bank wale to kuch nahi kar rhe hai, keh rahe hai ki OTP transaction hai to kuch nahi kar sakte
Have you defaulted or paying the money?
