In this digital world, the signals of protecting your OTPs, and Pins are spotted everywhere. But what if the tort eventuates in the absence of OTP or Pin?
A woman lost Rs.1.5 Lakh within 15-20 minutes of her losing hold on the wallet in the metro. The most shocking element of this case was that the hackers did it without filling in any Pin or OTP. Read the highlights below.
Hacked Rs.1.5 Lakh Without OTP/Pin!
Neha Chandra, a Noida resident, was enjoying her new year vacation in Paris accidentally lost her purse in the metro. Within 20 minutes of time, 3 transactions took place from two of her HDFC Debit Cards and an HDFC Credit Card worth Rs 52,499.99, Rs 44,544.24 and Rs 52,499.99, respectively.
The event traumatized Ms.Chandra, she immediately called HDFC Customer Care and got her cards blocked and transferred the remaining amount to her another HDFC account. After that, she filed an FIR in Paris itself. All the transactions were done in the merchant name of ASHANTI, PARIS 10/FR.
“All the necessary information and paperwork required was done well within time as per the RBI guidelines (within one hour of the transaction happening, I blocked my card and within 12 hours, I sent all the paperwork to HDFC Bank),” Ms.Chandra mentioned to news agency IANS.
According to the Reserve Bank of India, the victim has to report such events to them within 3 days and then they proceed and successfully reverse the money back in Credit Card within 10 days.
But Ms.Chandra has not received any amount back, yet. She has been asked to get the FIR in the English language that would cost her Rs.8,000 extra. HDFC Bank claims that the woman’s money is safe and other important procedures are on the run to solve the matter.
Such similar events had taken place in the past and one of the solutions is to enquire with the bank and limit your card usage if you’re planning to go abroad. If anything happens, immediately inform the bank to avoid complications, later.