[Urgent Help Needed] Multiple Fraud Transaction...

[Urgent Help Needed] Multiple Fraud Transactions happening on CC

244°
Missing
Deal Cadet
183
240
28

Hi,

I have had unauthorized transactions happening on multiple of my credit/debit card in the past 1 month. At all times these unauthorized transactions have happened, I have received an OTP SMS for the fraud transaction and within 2-3 seconds received the transaction confirmation SMS. I’ve blocked multiple cards and got replacement cards but in one instance I got a replacement card today, just opened it myself (it was sealed) and did not enter the card number anywhere but still unauthorized transaction happened on this replacement card.

With all these transactions I have got OTP SMS and then transaction confirmation SMS. All these transactions happen on ‘PAYMENTSPAYU’ and ‘PAYU PAYMENTS PVT LTD’ merchant. I haven’t shared any OTP with anyone anytime. Can anyone help me understand how is this happening? I understand that card details might be stolen but how is the OTP getting stolen from my phone? I’ve checked my phone with Norton security and there is no malware or anything. Please help provide your views fellow dimers as I’ve become tired raising unauthorized transaction disputes now pensive

PS:- I’m using a Realme U1 phone, could the phone be a culprit transmitting OTP by any chance? Or Is it possible that someone is tracking and readin my Airtel Sim card?

21 Comments  |  
14 Dimers
08cc9b8651029328d49309fe1b0cb774
Deal Subedar
7
2016
42

change your phone and try . if thts also not working dont use any card …

very strange transactions happening . peronally have blocked alll cards and activate only when needed ( pain in the a** job)

Missing
Deal Cadet
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theruler007 wrote:

change your phone and try . if thts also not working dont use any card …

very strange transactions happening . peronally have blocked alll cards and activate only when needed ( pain in the a** job)

I know but blocking and then activating only when needed isn’t a functionality with all cards. So that’s not feasible cry

Not sure how OTP’s are getting stolen rolleyes

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Deal Subedar
4
2449
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theruler007 wrote:

change your phone and try . if thts also not working dont use any card …

very strange transactions happening . peronally have blocked alll cards and activate only when needed ( pain in the a** job)

Or reset your mobile phone! It should work! An app must have access to ur sms and is sending it to the intruder

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suspended
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MAZARBOT HAVE EYES ON U BUDDY ….FACTORY RESET THE PHONE RIGHT NOW…..AND THANKS FOR SHARING

0adb54b33378ab05c450d11f8dd0c7be
Deal Subedar
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1078
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Probably cloned your sim card btw did you install any app from any source other than playstore.

Paris web
Deal Subedar
0
2642
39

Factory reset your phone and try to get replacement sim… New sim card having new 19digit nos… Avoid card usage for some days…

Missing
Deal Cadet
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igen wrote:

Probably cloned your sim card btw did you install any app from any source other than playstore.

No haven’t installed any app..
How do i figure out if there is any bot like tgis mazarbot on my phone?
Also if i get a replacement sim would the cloning be broken?

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ExpertAdvice wrote:

Factory reset your phone and try to get replacement sim… New sim card having new 19digit nos… Avoid card usage for some days…

Okay, will getting a replacement sim break any cloning that might be getting done on my number?

Missing
Deal Cadet
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shashank_best wrote:

Right, but how does the card information for a new replacement card which i just opened and did not enter/use anywhere got stolen if you have an idea?

Your net banking password might have been compromised and some app must be on phone to forward sms. Reset the phone and change net banking password.

Bal ganesh
Deal Lieutenant
94
3868
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Change Mobile number for all cards and use basic phone for that SIM, do not use smartphone for bank related mobile number, at the best you can have windows phone. Android is wide open, no way to find the leaks, as all apps ask for hell lot of permissions.

Also logout email from all devices and relogin.

Missing
Deal Subedar
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2825
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realme OS settings provide details of the apps that have access to SMS and also has an option to protect the SMS details. Check which apps are accessing SMS data.
if your card issuer allow blocking online transactions, you can also do that for some weeks. it would frustrate the hacker to move on.

Cropped27219935
Deal Subedar
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Factory reset the phone . Maybe an app is spying your phone stealthy

Missing
Deal Cadet
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The credit card team of the bank is saying that the transaction was 3d secured and hence the initial dispute which was raised while the transactions were under settlement was closed. Now they’ve got settled and bank has taken a chargeback request. I just need to know that I’ll get the money back right?

PS:- 2 of the unauthorized transactions are still under settlement and the bank says I’ll need to raise a chargeback if they get settled. Is there any way to get these under settlement transactions void?

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shashank_best wrote:

The credit card team of the bank is saying that the transaction was 3d secured and hence the initial dispute which was raised while the transactions were under settlement was closed. Now they’ve got settled and bank has taken a chargeback request. I just need to know that I’ll get the money back right?

PS:- 2 of the unauthorized transactions are still under settlement and the bank says I’ll need to raise a chargeback if they get settled. Is there any way to get these under settlement transactions void?

Can anyone suggest rolleyes

5c557a286e276869038097
Deal Cadet
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shashank_best wrote:

Can anyone suggest rolleyes

There is no way AFAIK. Do you receive OTP on just phone or Phone/Email both? If both, check what’s the email address updated in card account. See if there is any auto forward set in your email setting.

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Konquerror wrote:

There is no way AFAIK. Do you receive OTP on just phone or Phone/Email both? If both, check what’s the email address updated in card account. See if there is any auto forward set in your email setting.

right but what I’m asking is I will get the money back by chargeback right? rolleyes

46518697 2469454063095338 7352322572903514112 o
Deal Subedar
0
2119
81

First of all check which of the app is using ur phone permissions…
Ur Sim is cloned that is for sure…
Contact Airtel cc to asap for your query…

Missing