How to report a Net Banking, Debit or Credit Card Fraud?
How to report a Net Banking, Debit or Credit Card Fraud?
What to do in case of a Credit/Debit Card Fraud?
The moment you come to know that a suspicious transaction has been done on your credit/debit card, inform the card issuer immediately. One should lodge a formal complaint with the bank and ideally call up the customer care number to block the card or the account immediately.
How to file a Complaint?
If you a fraud related to net banking, ATM transactions, or any other online transaction happens, you have to raise a complaint. But, before filing a written complaint with the bank or the card issuer, make sure you have at least these following documents with you:
* Bank statement of the last six months of the concerned bank
* Make a copy of SMSs received related to the alleged transactions
* Take copy of your ID proof and address proof as shown in the bank records
* Lodge a complaint in your nearest police station explaining the complete incidence along with the above documents.
There are several fake apps being floating around in the cyber world. In case of any financial fraud committed through an app, in addition to the above mentioned documents, also furnish the screenshot of the malicious app and the location from where it was downloaded.
Where to file the Complaint?
Once the card issuer or the bank has been informed about the fraudulent transaction, one should file a written compliant with the nearest police station. An FIR has to be filed in the local police station only. In case police refuses to file an FIR, the court can be approached under section 156(3) of the Cr PC.
But, what if the police ask you to go to the Cyber Cell to file the complaint? You do not need to approach the cyber cell. You can file an FIR in the local police station itself. The cases are forwarded by the police stations to the Cyber Cell.
In case you wish to lodge a complaint directly with the cyber cell, even after having lodged a complaint with the police, you may do so. The contact details of such district cyber cell specific to your place of residence can be found on the Internet. The online complaint lodging system for economic and cyber offences of a few cities are as below:
Indore: Cyber Crime Compliant Form
Vishakhapatnam: Official Website of Visakhapatnam Police
Mumbai: Email: cp.thane.online@mahapolice.gov.in
Liability in case of fraudulent transaction
Now, if the fraud happens and the bank is not at fault and it was committed by a third-party through an act of scamming, phishing etc., the RBI rules says that the customer is not required to pay if the breach has been reported within three days of the fraudulent transaction. A transaction reported after that but within seven days, the per transaction liability of the customer will be limited to the transaction value or an amount set by the central bank, whichever is lower.
To see how much will be the liability, click here. And, if you take more than seven days, the customer liability shall be determined as per the bank’s Board approved policy. The RBI has proposed to extend the safety net to unauthorized electronic transactions involving prepaid payment Instruments (PPIs) such as digital wallets Mobikwik, Oxigen and Amazon Pay as well.
What you should do
Having informed the bank, as per the RBI rules, the resolution has to be over within 90 days. Banks have to credit or reverse the unauthorized electronic transaction to the customer’s account within 10 working days from the date of notification by the customer. Credit card frauds are known to be more common in case of their usage abroad. Click here to know how to keep the fraudsters at bay if you are likely to use card at international locations or websites. And, if you wish to secure your online activities, click to know how cyber insurance plans could be of help.
Source:Economic Times
FundsTiger can arrange loans from all above mentioned banks you can apply for an attractive offer with best possible Rate of Interest and Terms for Personal Loan, Business Loan, Home Loan and Car Refinance Loan.
In this manner my pal Wesley Virgin's story begins in this SHOCKING AND CONTROVERSIAL video.
ReplyDeleteYou see, Wesley was in the military-and soon after leaving-he revealed hidden, "self mind control" tactics that the government and others used to get anything they want.
THESE are the exact same secrets tons of celebrities (notably those who "come out of nothing") and the greatest business people used to become rich and successful.
You probably know that you utilize only 10% of your brain.
Mostly, that's because the majority of your BRAINPOWER is UNCONSCIOUS.
Maybe that conversation has even taken place IN YOUR very own brain... as it did in my good friend Wesley Virgin's brain seven years ago, while riding a non-registered, beat-up garbage bucket of a vehicle with a suspended driver's license and $3.20 in his pocket.
"I'm very fed up with going through life paycheck to paycheck! When will I become successful?"
You took part in those types of thoughts, isn't it so?
Your own success story is going to happen. You just have to take a leap of faith in YOURSELF.
Take Action Now!