[Resolved]  Standard Chartered Bank — most urgent * regarding fraudulent transaction of inr 2,42,112.21 on my credit card no - xx6793 complaint no.[protected]

Address: B-303,ASTER,, ,VALLEY OF FLOWERS,THAKUR VILLAGE,, 400101

This is to inform you that a fraudulent transaction for an amount of INR 2, 42, 112.21 on my Credit Card No - xxxxxxx6793 on 04/11/2019 at PSP*dmarket.com Gibraltar GI. I would like to inform you that this is an unauthorized transaction and was not done by me by any means.

I have called your Customer Care No. and raised dispute Complaint No.[protected] with yourselves.

Below is the sequence of events as to what exactly happened.

When I woke up in the morning of 05/11/2019 Tuesday at around 07:00 AM in my house, I saw a few fraudulent transaction SMS on my mobile from the bank which were done in USD total amounting to INR 2, 19, 235.56 on my Standard Chartered Manhattan Credit Card No. [protected].
I immediately called Standard Chartered Customer Care no:[protected] and informed them of the fraudulent transactions done, however they told me that since it takes around 48 hours for the Merchant to claim the amount, you need to call the Bank after 48 hours. I immediately checked Standard Chartered Internet Banking and Mobile Banking app but the same was not reflecting any transaction and messages were coming that the server is temporarily down, please try after some time.
I went to the Bank personally and submitted the dispute form for above amount. I also sent the dispute form to the registered mail id with the bank card.[protected]@sc.com, customer.[protected]@sc.com, head.[protected]@sc.com and nodal.[protected]@sc.com.
Next day on 06/11/2019 after returning from my office, when I checked actual amount debited was INR 2, 42, 112.21 on my Standard Chartered Manhattan Credit Card No. [protected]. So this time I called Standard Chartered Customer Care no:[protected] and got Complain no.[protected] from them. Today on 07/11/2019, I have again re forwarded Standard Chartered Bank Dispute Form for amount of INR 2, 42, 112.21 to the registered mail id with the bank card.[protected]@sc.com, customer.[protected]@sc.com, head.[protected]@sc.com and nodal.[protected]@sc.com.

Below is the List of SMS i received in the morning. These are all in USD

VM-FROMSC

11-5 Tuesday 04:41

MSE-234108 is your one time password (OTP) for transaction o[censored]SD 195.81 at PSP*dmarket.com on your Credit Card ending 6793.Valid till 04:48 AM IST - StanChart.

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StanChart: Today a transaction of INR219235.56 was charged to your card 6793 at PSP*dmarket.. SMS 1 if you made the transaction; SMS 2 if you did not to [protected].

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Dear Client, we have tried calling you. Your Standard Chartered card ending (6793) has been temporarily blocked due to security reasons. Please call 66014444/39404444 for assistance.

CAY-303483 is your one time password (OTP) for transaction o[censored]SD 3, 088.24 at PSP*dmarket.com on your Credit Card ending 6793.Valid till 04:37 AM IST - StanChart.

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QDP-600276 is your one time password (OTP) for transaction o[censored]SD 3, 088.24 at PSP*dmarket.com on your Credit Card ending 6793.Valid till 04:40 AM IST - StanChart.

StanChart: We appreciate an urgent response to verify your transaction. SMS 1 if you made the transaction; SMS 2 if you did not to [protected].

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StanChart: For your account security, please respond urgently to verify your transaction. SMS 1 if you made the transaction; SMS 2 if you did not to [protected].

Thank you for using StanChart Card No XX6793 on 05/11/19 for USD 1.16. Call [protected] if you have not done this transaction.

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Thank you for using StanChart Card No XX6793 on 05/11/19 for USD 1.95. Call [protected] if you have not done this transaction.

Thank you for using StanChart Card No XX6793 on 05/11/19 for USD 3088.24. Call [protected] if you have not done this transaction.

Thank you for using StanChart Card No XX6793 on 05/11/19 for USD 1.94. Call [protected] if you have not done this transaction.

Thank you for using StanChart Card No XX6793 on 05/11/19 for USD 195.81. Call [protected] if you have not done this transaction.

Now I would like to express following discrepancies in the same-

1. OTP received by me were Alphanumeric in nature which is not possible as we always receive the numeric characters only.
2. All the OTP's involve USD amount which are amounting to $1.95, 1.94, 1.16, etc which is a clear indication that firstly hacker tried to do transaction using small amounts so that they will come to know whether the card is working or not. Once the hacker knew that the transactions are happening on the card, he performed larger transactions.
3. The OTP's received were for more than around 5-6 transactions but only two amount totalling upto INR 2, 42, 112.21 are only appearing in the statement.
4. The hacker not only fully utilised the full credit limit but also used the buffer limit available with the card.
5. The merchant named is PSP*dmarket.com Gibraltar GI which is domiciled outside of India.

I would further like to inform you that this card was in my possession at the time fraudulent transaction happened and was not done by me.

Therefore in view of the same, I request you to please resolve the same as soon as possible.