[Resolved] Debit Card - Axis Bank — Misuse of Debit Card after lost
This is Anshul staying in Baner, Pune. I have a Axis Bank Debit Card.
On 1st Feb'09 Sunday, I forgot my Debit Card in the Baner, Pune ATM after my Rs 500 Transactions. Then, I realized at 10:00 PM same day that I have forgot card in ATM machine and instantly I blocked the card.
Next day, when I went to Bank they told me that my account has been debited with Rs 10, 000 on Sunday 1st Feb between the time card was left in ATM and till I blocked it.
Transactions were :
500 and 4500 around 1 - 1:30 PM & 3000 and 2500 around 8 - 8:30 PM on Sunday itself.
From the Account statement, somebody has used the card on Sangoi Service station( Petrol Pump - Opp Rahul Theater, Sivaji Nagar, Pune) 4 times on Sunday.
1) 500 and 2) 4500 around 1 - 1:30 PM & 3) 3000 and 4) 2500 around 8 - 8:30 PM on Sunday itself.
Then, I went to Sangoi Service and got 3 purchase card slips of 500, 4500 and 3000.
After talking to Petrol pump owner I got that all the 3 slips were signed with " different signatures other than on card" and the owner doesn't keep the bills copy stating which vehicle has used it.
Then, I filed an FIR with Aundh, Pune Police Station - Till today no updates from Police.
Apart from this, Axis Bank team told me that they are not liable for loss as these un authorized transactions werwe done at Petrol Pump and as per laws he should have verified the signatures and kept a bill copy with vehicle number.
But, Axis Bank has been cooperative that they asked me to fill an complaint application against which they may try to reclaim 10000 money with insurance done on my card.
But, I would like focus that how normal retail people are careless :
1) they don't check signatures on card
2) Being a big Petrol pump they don't keep copies of bill . Also, Petrol owner said why should they keep bills as they do a lot of transactions and its unnecessary.
I accept initially it was my fault for forgetting the card. But, I plea to Indian goveenment that what can be done in my case.
Finally, please guide me is it possible that I can deny to these un authorized transactions, as on card purchase slips the signatures were not mine and too not checked .
Complaint marked as Resolved Aug 14, 2020
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