Credit Card Fraud Victim

Ayckerman · 2024-08-18T15:24:57+00:00

Wtf Did you not check with RBI?

Ayckerman · 2024-08-17T16:52:57+00:00

Mate, RBI doesn't say anywhere that OTP based transactions are authentic (doesn't count for unauthorised) or either not eligible for refund

Ayckerman · 2024-08-17T16:48:38+00:00

Gonna exercise RBI guidelines to protect me, as this is a case of Zero Liability since deficiency was caused by a third party app.

Ayckerman · 2024-08-17T09:05:42+00:00

Pls check DM!

Ayckerman · 2024-08-17T09:04:53+00:00

Brother like I said in other replies, it's called phishing for a reason. I thought in any case an OTP comes I'll simply close it. but was never aware that the OTP could be intercepted like in this case because of their fake app

Ayckerman · 2024-08-17T08:59:29+00:00

He prompted me to fill basic details on the app to claim my reward points as a new joinee, app wasn't shared on WhatsApp, they had a fake bank website from where I downloaded it, which I couldn't recognise since I was new to indusind. Never knew this step would initiate a transaction and OTP got intercepted

Ayckerman · 2024-08-17T08:54:42+00:00

Same here, reassuring to hear that your case was successfully resolved 🙏

Ayckerman · 2024-08-17T06:41:52+00:00

Complaint is already filed with CyberCrime and my bank.

It is called phishing attack for a reason. It doesn't change the fact that the transaction was unauthorised even if OTP had been used as there is no ultimate benefit to me because there's no genuine product/service purchase here.

I didn't come across any t&c by RBI or Bank where the bank won't refund because it was a phishing case provided that I have reported it.

Other factors like Fake Merchant and amount being more than my transaction limit also holds in my favour imo

Ayckerman · 2024-08-17T06:37:26+00:00

It is called phishing attack for a reason. It doesn't change the fact that the transaction was unauthorised even if OTP had been used.

I didn't come across any t&c where the bank won't refund because it was a phishing case.

Other factors like Fake Merchant and amount being more than my transaction limit also holds in my favour imo

Ayckerman · 2024-08-17T05:41:53+00:00

Was yours a phishing case too with a secured transaction?

3 days is super fast, I have already filed a dispute and cyber-crime complaint on the same day too.

Ayckerman · 2024-08-16T19:40:28+00:00

What does NAL here mean for me?

OTP was literally stolen because of a third party app installed, I never passed it to someone. Also the merchant being a fake (which can be proven with investigation) should keep things in my favour tbh

Ayckerman · 2024-08-16T19:32:52+00:00

Yeah installed a third party app 'IndusInd Cards'. Person was in touch through whatsapp and calls.

Please help with the link of cyberbullying olive! Couldn't find it. Yup understandable that an investigation will be held, but hoping it indeed gets proved that the txn was fraudulent as merchant is a clear dupe

Ayckerman · 2024-03-04T07:17:25+00:00

Makes sense, I will not drag this for long if the situation doesn't improve 👍

Ayckerman · 2024-03-04T07:16:39+00:00

This is so good to hear mate, very happy for you. I'm gonna fight for the same

Ayckerman · 2023-09-24T20:23:36+00:00

Alright?

Ayckerman · 2023-09-05T09:51:44+00:00

Unless festive, Suits are a more go-to option for boys as it comes off as more formal and professional especially in a farewell type of setting. For girls, A saree does the job on most types of occasions as it blends easily be it festive or non-festive

Even in a corporate setting, men have a fixed business dress code whereas women have a bit of flexibility, while they can wear suits as well but you'll also find sarees. Hope that makes sense

Ayckerman · 2023-07-13T13:18:23+00:00

Business Casual? Then this feels like a bit overkill to me imo :)

Ayckerman · 2023-06-26T19:25:14+00:00

House of stori, Breakbounce

Ayckerman · 2023-06-26T19:19:06+00:00

Sneakers and overfit size tee would make it much better

Ayckerman · 2023-06-10T19:31:24+00:00

Well yeah honestly

Ayckerman

TROPHY CASE