[Resolved] Reserve Bank Of India [RBI] — online fraudulent transaction

babumonu2226

from Gurgaon, Haryana

Address:

Kolkata, West Bengal, 700069

Icici bank rn mukherjee road branch, account dipti & pabitra kumar chatterjee, sb account[protected] service request sr[protected].

Dear sir

With reference to the above my joint account with my wife was seen to be debited during the course of one year towards the end of each quarter total amounting to rs 37059. Initially i was told that the mobile number was not registered but suddenly now i am told the online transaction has happened through second factor authentication
Details of debits are as follows

18/03/2017 future online rs 7999/-
29/04/2017 future online rs 7005/-
31/07/2017 zabong online rs 7000/-
18/10/2017 shop india me rs 7005/-
29/02/2017 onrise shop rs 8005/-

1) there has been lot of online transactions during the period & none was through use of otp but through use of debit card grid held by me.
2) the vendor beneficiary was not registered payee of the account which is mandatory before any transaction is made.
3) the mobile said to be registered belongs to the account holder who has started receiving messages starting february 2018 when some alert was raised by me verbally in the branch. Hence the mobile was not registered & confirmed at the initial stages of the complaint
4) fir has been registered with the lalbazar police in kolkta on 28/05/2018
5) no further debits have been noticed since january 2018

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May 29, 2018

Complaint marked as Resolved

After being on correspondence for some time they have credited the amount

Reserve Bank of India [RBI] customer support has been notified about the posted complaint.

May 29, 2018

Updated by babumonu2226 amount received

Please withdraw the post immediately

Thanks

Pabitra Kumar chatterjee

Jun 03, 2018

Updated by babumonu2226 I saw a credit of the above amount in the above account & thought this is given back & hence assumed to be resolved closing the complaint.
But on closer scrutiny the statement showed shadow credit . So they have assumed a fault keeping provision in the account but reluctant for acceptance and continued to correspond on the subject. Cyber complaint has been filed & though informed of receipt earlier will renew the complaint. with them. I give below some further areas which reaffirms my belief of internal systems being compromised which i have also informed the bank.

The sequence below explains lack of internal control & needs to be thoroughly investigated

1) the transaction is online as confirmed by bank
2) hence first the bank internet process ie password & id has to be hacked
3) the payee needs to be registered for any online transfer of fund & the same were not registered payee in the account
4) To use the debit card all the above process should be hacked or violated
5) if the bank checks the record never in the past was debit card used for online transaction nor OTP used as the mobile number was not registered.
6) all transaction till date was used using debit card grid which i thought was very safe even if some of above is not adhered

Hence It is clear that unless the system is compromised internally this transaction cannot happen.

I expect a reply to each of the above points to understand the failure

Even if the bank now proves that mobile no was registered but the same was not reflecting in any profile till this was registered by me few days back

So which mobile was this used. How did they get the no? That means this was known & used by insiders. Further account being operated without mobile no being registered is clearly a violation of account opening process
Sent from my iPhone

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Comments

T.S veeramani

from Jayamkondacholapuram, Tamil Nadu

Respected sir/madam
my friend Ms kareena from london has transferred nearly 97, 00.000 INR(GBP 106, 788.00) in my account but not yet to be credited in my account i am the SBI customer let me the amount is genuine one .let me how the money is credited