[Resolved]  ICICI Bank — fraudulent transaction using my credit card

On 19 nov 2019, i received a text msg i. E. Sms (Copy attached) that i need to update my paytm kyc and i was asked to contact a mob. No. [protected]. I contacted that no. And as per his advice i added money to my paytm wallet a sum of rs 10 (Towards kyc compliance as per instructions) using my icici credit card no. Being xxxxxxxxxxxx6005. Immediately following this i received text messages in my mobile no. [protected] sending otp for the following transactions being under process using my said credit card.
1. Payment of rs. 1000 at “indiamart.com” at 13.20 pm on 19.11.19
2. Payment of rs 9000 at “payu money” at 13.21 pm on 19.11.19
3. Payment of rs 9000 at “razorpay airtel payment” at 13.21 pm on 19.11.19

Since i did not initiate any such transactions, i ignored the otp received and decided to contact icici bank to enquire further. But instantly i got emails from icici bank confirming that all three transactions as mentioned above have been and in case of any dispute i may contact icici bank customer care no. Immediately i contacted icici bank, blocked my card and lodged a complaint about this fraudulent transactions. Icici bank took up the matter for investigation and temporarily withheld by not charging / debiting my credit card account. Same day i reported this fraudulent transaction to my local police station (Jadavpur ps kolkata-700032) and filed a general diary gde no. 1578 dated 19.11.2019 (Copy attached). I expressed in that the person with whom i talked at mob. No. [protected] for assistance towards paytm kyc compliance, is my suspect. Also on the advice of the police officer of jadavpur p. S. I contacted kolkata lalbazar cyber crime cell and registered the complaint, the no. Being 12363.

Next on 20.11.2019 i sent emails to “indiamart.com”, “payumoney” and “razorpay” (The payment gateways used) to inform that the transactions using my credit cards have not been done or authorised by me and hence to hold back the payments.
Only “razorpay” responded sending me the complete details of transactions made by someone (?) using my credit card - a copy attached for your kind attention. Razorpay however requested me to contact airtel to enquire and find out the beneficiary airtel account with the payment of rs. 9000 done on 19.11.2019 at 13.21 pm. Accordingly i contacted “airtel” on 26.11.2019 about this unauthorised transaction with the details of the beneficiary airtel account no. And requested airtel to credit this transacted amount to my airtel fixed line no. Account. “airtel” asked for my credit card statements which i submitted after i received the same from icici bank on 23.12.2019. Recently i received reply fro airtel that the payment could not be traced. I have however requested airtel to further enquire the matter.
Of the other two, “payu money” did not respond to my email as well as received any phone call done at the nos. Given in the “payu money” website. ‘indiamart’ responded to my email, i repeatedly reminded them and everytime i was said that the concerned team will call me which never happened.

I have attached my icici card monthly statements for nov & dec 2019 which contain the details of the above mentioned three transactions.in nov-19 statement the transaction amounts were first charged and then there are “interim chargeback credit” and in dec-19 statement again the amounts were charged or debited to my credit card account.

Meanwhile icici bank has informed me that the different tiers of security requirement / verification has been checked for processing all the three transactions and hence nothing can be done from their end.

My prime suspect is the person who called me from mob. No. [protected] (Earlier mentioned that he claimed to be an official from paytm, sent me sms and i talked to him for paytm money adding using my icici credit card). Immediately after my conversation with him on mobile phone, all the three transactions using my icici credit card took place instantly.

Based on the above, i would request you to investigate the matter of this fraudulent transactions and give me relief so that hardship / suffering of a senior citizen (I am 72 years old) is mitigated to the extent possible.

Best regards,

Arun kumar ghosh
Landline phone no. +[protected]
Mobile phone no. +91 [protected]
Email : [protected]@gmail.com

Enclosures: as mentioned