[Resolved]  Axis Bank — Salary Account hacked

Address:

New Delhi, Delhi

My complaint is on AXIS Bank regarding my salary account which was used by someone else. I have lodged a complaint by calling the customer service and got a complaint No.-6921015 on 2nd November 2012.
I joined ACS on 17th September 2012 and had to open a new account at AXIS Bank as they don't have tie up with any other bank. I asked to transfer my salary at CITIBANK Suvidha account as I have been an account holder from last 7 to 8 years with CITIBANK and got my salary credited from my previous employers for whom I worked for like Convergys, AON Hewitt etc. My account was active and I got my debit card and the ATM pin number in a sealed pack envelope. I received my cheque book on 27th September 2012 at my office address from the mail room and after that I didn't receive anything else from the bank at my office address or at my home address till date (13th November 2012). I didn't receive any message in my mobile number which I mentioned while filling the application form.
I got my first 13 days salary of September in the account and I used my ATM for the first time in the first week of October 2012 to withdraw money as I had to pay my rent. But I didn't receive any sms in my mobile which ideally should be sent automatically as the number was mentioned clearly. The application form was filled with all the details(Id Proof-Voter Id)as assisted by two representatives at our office premises at the time of joining the company.
My salary for the month of October was credited on 31st October and was debited on the same day in 5 transactions for online Airtel purchase/Mumbai which I came to know when I took out a Mini Statement at an ATM in East Of Kailash. I lodged my complaint at customer service desk and went to a Police Station at Sector-58,Noida but they declined my request to lodge an FIR saying that bank is responsible to investigate this type of matter. I visited the Main Branch of AXIS Bank at Connaught Place in Statesman Building, Barakhamba Road and had a word with the Branch Manager explaining the whole story. She responded saying that an investigation will be done which can take 15 to 30 days and then she got my debit card deactivated. I was told that the investigation report will be conveyed to me through email and at present they can't help me in this matter.
I received an email from Ritika Juneja,Senior Manager on 10th November mentioning as below:
"We would like to clarify that the transactions done through Verified by MasterCard Secured Code are secured transactions and the same cannot be done unless the person possession of all the aforesaid details, which are confidential in nature and known only to the cardholder unless the cardholder divulges the same to a third party. It appears that in present case you might have divulged all the aforesaid details to some third party, which resulted in aforesaid transaction from your account. You are solely responsible for maintaining the confidentiality of your password, registration data and other verification information established by you with MasterCard Secure Connection.Axis Bank will not be liable for any loss or damage, if any arising from your failure to cope up with the Terms of Service."
I want to sue the bank for such a service they provide to the people who trust them that their money is safe in there hands. I had no access to internet banking as my phone was not registered. Moreover,this is new account and I was waiting for my complete salary as Diwali festival was approaching and I had to send money to my parents as my Dad is retired and my Mom is a housewife and they are more than 60 years old staying in Kolkata.
They care a damn because we are weak and from a lower class family and they are corporate entities who can suppress if any mistake is done from there end. I explained them clearly that I don't have access to online banking and didn't receive anything else apart from a debit card and an ATM pin.
I was in office and we don't have access to internet on the floor and I didn't receive any message in my mobile. Then how can I know that my salary got credited,moreover, I have a Vodafone connection and the transaction were made at 9PM on 31st October for Airtel in Mumbai. The transaction details are mentioned below:

1)31/10/2012 PUR/AIRTEL BILLDESK/MUMBAI/311012/21:35 10,000.00
2)31/10/2012 PUR/AIRTEL BILLDESK/MUMBAI/311012/21:44 2,000.00
3)31/10/2012 PUR/AIRTEL BILLDESK/MUMBAI/311012/21:46 2,000.00
4)31/10/2012 PUR/AIRTEL BILLDESK/MUMBAI/311012/21:37 10,000.00
5)31/10/2012 PUR/AIRTEL BILLDESK/MUMBAI/311012/21:39 10,000.00

Please help me to get my money back as I can't afford to loose that as I am already in debt and I had to borrow money from my friend to pay my rent this month.

Thanks.

With Regards,
AMITAV PAUL.