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Old 6th January 2010, 15:45   #1
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Default Fraud Transfer of Money from my Salary Account of PNB: Fought case & won

This is for the information that I am having salary account in PNB branch, Jyotisar, Kurukshetra (Haryana) since 28th July,2008.
On 3rd december,2009, when my wife went to ATM at around 11 am to take out some money and found that there is only 158 Rs in my said account, she informed me and I was shocked to hear that as two days back my salary was credited and some amount was already in my account so approached the concerned branch to inquire about it and came to know that on 3rd December,09 itself at around 2.50 am a person named R.Jayaram having an account in city branch of PNB in Bangalore has done fraud with my account by taking out Rs 36000/- from my account and also he took money from two more account within two minutes in which one account was of Jalore(Rajasthan) and other is from Delhi and both of accounts are of PNB.

I immediately asked the branch authorities of bank to freeze the said account of hacker i.e bangalore account and the money was still there. Than I went to circle head of PNB in Karnal and he assured me verbally that I will get my money refunded within 20 days as I was very quick in bringing this fraud into there notice the same day, he also told me that Bangalore branch has initiated the investigation. I also filed the complaint to S.P. of Kurukshetra regarding this and meet the S.H.O. of the concerned area and they too started the investigation.

I also sent registered complaint to my bank manager and registered complaints to their online email addresses too but from last 30 days no reply from the bank side. Further, I would like to state that I have no clue whatsoever happened and I feel cheated somewhere whatever happened to my account.
I am now totally confused as to what to do?

Last edited by bblost : 6th January 2010 at 16:00. Reason: Fonts tages removed. Please do not copy paste from any editor except notepad. Thanks
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Old 6th January 2010, 17:33   #2
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Quote:
Originally Posted by ddriver View Post
This is for the information that I am having salary account in PNB branch, Jyotisar, Kurukshetra (Haryana) since 28th July,2008.
On 3rd december,2009, when my wife went to ATM at around 11 am to take out some money and found that there is only 158 Rs in my said account, she informed me and I was shocked to hear that as two days back my salary was credited and some amount was already in my account so approached the concerned branch to inquire about it and came to know that on 3rd December,09 itself at around 2.50 am a person named R.Jayaram having an account in city branch of PNB in Bangalore has done fraud with my account by taking out Rs 36000/- from my account and also he took money from two more account within two minutes in which one account was of Jalore(Rajasthan) and other is from Delhi and both of accounts are of PNB.

I immediately asked the branch authorities of bank to freeze the said account of hacker i.e bangalore account and the money was still there. Than I went to circle head of PNB in Karnal and he assured me verbally that I will get my money refunded within 20 days as I was very quick in bringing this fraud into there notice the same day, he also told me that Bangalore branch has initiated the investigation. I also filed the complaint to S.P. of Kurukshetra regarding this and meet the S.H.O. of the concerned area and they too started the investigation.

I also sent registered complaint to my bank manager and registered complaints to their online email addresses too but from last 30 days no reply from the bank side. Further, I would like to state that I have no clue whatsoever happened and I feel cheated somewhere whatever happened to my account.
I am now totally confused as to what to do?

File a complait with the banking ombudsman, Tell them that you are the only earner in the family and with the money gone out of your account you were unable to pay up your loans and had to borrow the money from some people to meet ends. The banking ombudsman is a very proactive body and there are derictives from the RBI to banks to handle such issues.

My pont is you can claim some damages for the mental agony you have been through.

Pramod
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Old 6th January 2010, 19:04   #3
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It is sad that you had to go through this. I know the feeling when you are ripped off your hard earned money.

I am sure, PNB will revert back the money. But I think in India this may take a lot of time.

It is difficult to prove that you are a victim of fraud when your internet banking passwords or the ATM PIN is compromised . I think PNB will wait for the police ( Cyber Cell ) to confirm that there indeed has been a fraud before reverting the money.

The bangalore guy, would simply say, you transferred the money to him ! This will prolong the process.

Then comes, IP Address checks, HDD checks , some special treatment from police etc. If the police are not able to prove that a fraud has been committed then the bank may not revert back the money. This is purely my opinion.

Hence the alerts against phising scams and how important it is to safe guard your PIN.

Talk to your bank managers, they are understanding and can offer you an interest free credit of the disputed amount until this is sorted, so you dont face any hardship.

Ps: How was your account details compromised? Phising ?
If your log in records prove that there were only a few minutes difference in between IP address from different cities, then you get back your money quickly. If there is a few days difference then it is difficult
All this presuming funds transfer were initiated online !

Last edited by vdiatech : 6th January 2010 at 19:09.
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Old 6th January 2010, 19:13   #4
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File a complaint with the Banking ombudsman mentioning PNB as the opposite party.

PNB has the responsibility of safegaurding your money and providing you the same upon demand.

As per the guidelines of Banking Ombudsman, PNB will have to revert within 7 working days, else the case will be closed in favour of you.

Please file the complaint ASAP.
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Old 6th January 2010, 19:35   #5
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The bank can defend saying that you yourself compromised the internet password and it could not do anything on this.
Your only chance is that police nabbing the culprit.
But that should not deter you in filing the complaint with ombudsman. Still go ahead and do it.
What happened to circle head of PNB in Karnal you talked to earlier?
Did you check the status with him?
Is he not responding anymore?
You could get the status atleast from your branch manager.
The information regarding the status check is missing in your post.
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Old 6th January 2010, 20:51   #6
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Strange that the bank and police are remaining quiet for such a long period.

Big question - How did the bank get name of this Jayaram?

If he logged into your a/c, he has to use YOUR name and account number, not his.

Does this account have any net banking priveleges?

If so, did you get any email from PNB asking you to visit any specific site?

I have received several mails claiming to be from PNB, and I had posted one such mail here (some other thread related to phishing). A complaint sent to their site admin did not elicit even a bare acknowledgement. I do not have any account with PNB.

Frauds related to banks are to be investigated by the CBI / (probably, the newly formed national investigation agency). Check if you have one in your area, and file complaint with them direct.

This is a crime, and you are wasting your time with the ombudsman. I have recommended approaching teh ombudsman in some other context, not this one. Take a day's leave tomorrow, and contact the CBI / NIA immediately.
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Old 6th January 2010, 21:08   #7
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Quote:
Originally Posted by BaCkSeAtDrIVeR View Post
Big question - How did the bank get name of this Jayaram?
By seeing the recipient's account number in Internet banking transaction details, the beneficiary account holder's name can easily be identified by the bank.

While availing of Internet banking facility, the customer takes all responsibility and risk against frauds by signing the bilateral agreement with the bank with many fine prints. Only Police can make the fraudsters confess the crime and charge-sheet the criminal.
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Old 6th January 2010, 21:27   #8
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Try the consumer court- they will surely take some action - probably you can mention that you are going to consumer court to PNB and they may act faster..
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Old 6th January 2010, 23:36   #9
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HI DD,

It is so sad this thing happened to you. Once you complained immediately the bank can act immediately and revert it in a shprt period. It happened to me in my SBI ATM and it was reverted with in a short span of time once I produced the ATM recipt and the written complaint to my branch, they did it fast. Hope it will be rectified.
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Old 7th January 2010, 10:12   #10
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I feel that the banks are being very lax on fraud and phishing scams. I used to forward most scam / phishing mails with full headers to the respective banks. but till date, I have not received any response from any of the banks. This is sheer criminal negligence on part of the tech and legal guys at the banks.

It is hardly 10 seconds effort to trace out the origin and modus operandi of a phishing scam. While the mail itself may originate from a compromised computer sitting at some innocent person's home, the owners of servers and sites which host the phishing pages can be easily traced out.

I repeat, all it requires is 10 seconds to trace out the fraudesters behind a phishing scam.

Here is another thread on similar issues:-

http://www.team-bhp.com/forum/shifti...ll-text-5.html
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Old 10th January 2010, 01:59   #11
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Quote:
Originally Posted by pramodkumar View Post
File a complait with the banking ombudsman, Tell them that you are the only earner in the family and with the money gone out of your account you were unable to pay up your loans and had to borrow the money from some people to meet ends. The banking ombudsman is a very proactive body and there are derictives from the RBI to banks to handle such issues.

My pont is you can claim some damages for the mental agony you have been through.

Pramod
yes i am planning to file a complaint to banking ombudsman and collecting all the documents i am having

Quote:
Originally Posted by vdiatech View Post
It is sad that you had to go through this. I know the feeling when you are ripped off your hard earned money.

I am sure, PNB will revert back the money. But I think in India this may take a lot of time.

It is difficult to prove that you are a victim of fraud when your internet banking passwords or the ATM PIN is compromised . I think PNB will wait for the police ( Cyber Cell ) to confirm that there indeed has been a fraud before reverting the money.

The bangalore guy, would simply say, you transferred the money to him ! This will prolong the process.

Then comes, IP Address checks, HDD checks , some special treatment from police etc. If the police are not able to prove that a fraud has been committed then the bank may not revert back the money. This is purely my opinion.

Hence the alerts against phising scams and how important it is to safe guard your PIN.

Talk to your bank managers, they are understanding and can offer you an interest free credit of the disputed amount until this is sorted, so you dont face any hardship.

Ps: How was your account details compromised? Phising ?
If your log in records prove that there were only a few minutes difference in between IP address from different cities, then you get back your money quickly. If there is a few days difference then it is difficult
All this presuming funds transfer were initiated online !
i dont know how my account secrecy has been comprised as last i login in my account was mid november and i am using online facility of icici long time back so i know how to keep online account safe but still it happened.
secondly it is not only me who was got nabbed but two other persons within 2 minutes during this hacking.
the bank employee showed me on his computer about the transaction in which it is revealed that r. jayram account has been credited by my money and by other two persons money.
talking about manager of my branch--he is acting like nothing has happened and giving very cold vibes. he also saying that process by the bank head quarter is going on and the bangalore branch is not telling him anything.
finally it can be proved that i have not transferred the money to him by investigating the ip addressif it has been transferred by me than the ip address should be reflected of my place that is kurukshetra.

Quote:
Originally Posted by iamswift View Post
The bank can defend saying that you yourself compromised the internet password and it could not do anything on this.
Your only chance is that police nabbing the culprit.
But that should not deter you in filing the complaint with ombudsman. Still go ahead and do it.
What happened to circle head of PNB in Karnal you talked to earlier?
Did you check the status with him?
Is he not responding anymore?
You could get the status atleast from your branch manager.
The information regarding the status check is missing in your post.
i checked the status by asking bank manager after every few days and he says always that bank process is going on and dealing by the head quarters and showed me some papers where he sent my complaint to head office.
Quote:
Originally Posted by BaCkSeAtDrIVeR View Post
Strange that the bank and police are remaining quiet for such a long period.

Big question - How did the bank get name of this Jayaram?

If he logged into your a/c, he has to use YOUR name and account number, not his.

Does this account have any net banking priveleges?

If so, did you get any email from PNB asking you to visit any specific site?

I have received several mails claiming to be from PNB, and I had posted one such mail here (some other thread related to phishing). A complaint sent to their site admin did not elicit even a bare acknowledgement. I do not have any account with PNB.

Frauds related to banks are to be investigated by the CBI / (probably, the newly formed national investigation agency). Check if you have one in your area, and file complaint with them direct.

This is a crime, and you are wasting your time with the ombudsman. I have recommended approaching teh ombudsman in some other context, not this one. Take a day's leave tomorrow, and contact the CBI / NIA immediately.
the police is also acting like a slave to them, in last one month they were just hanging around and doing formalities and they have not even traced whether the bangalore branch has filed a FIR or not and by pressurising them, yesterday they gave a letter to my branch manager stating to reveal whatever they have done in last one month and the manager has sent that to headquarters.
Quote:
Originally Posted by J.Ravi View Post
By seeing the recipient's account number in Internet banking transaction details, the beneficiary account holder's name can easily be identified by the bank.

While availing of Internet banking facility, the customer takes all responsibility and risk against frauds by signing the bilateral agreement with the bank with many fine prints. Only Police can make the fraudsters confess the crime and charge-sheet the criminal.
i know every bank has fine prints but i guess they cant just escaped like this. secondly these points make my case stronger--
firstly i informed them about the hacking within few hours after the incident.
secondly the hackers account was siezed and money was in the account technically( the hacker took out money by so called proxy account of bangalore branch)
thirdly i am bit suspicious that whether bangalorebranch approached the police for FIR.
fourthly the hackers account is verified one where he is too a PNB customer.
Quote:
Originally Posted by BaCkSeAtDrIVeR View Post
I feel that the banks are being very lax on fraud and phishing scams. I used to forward most scam / phishing mails with full headers to the respective banks. but till date, I have not received any response from any of the banks. This is sheer criminal negligence on part of the tech and legal guys at the banks.

It is hardly 10 seconds effort to trace out the origin and modus operandi of a phishing scam. While the mail itself may originate from a compromised computer sitting at some innocent person's home, the owners of servers and sites which host the phishing pages can be easily traced out.

I repeat, all it requires is 10 seconds to trace out the fraudesters behind a phishing scam.

Here is another thread on similar issues:-

http://www.team-bhp.com/forum/shifti...ll-text-5.html
i know that if they had taken interest and proactive they would have solved this way back but unfortunately that is not the case.

and really i can only understand from what mental torture and harressment i am going through everyday, as i cant forget that those money was my hard earned money and is just going out of my hand. also i am left alone as no one is there who can assist me wat to do in these situation and fighting alone from last one month is reallly a havoec but i am still striving hard.
now after doing all this what should i do next. if you guys can help in assisting me!
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Old 11th January 2010, 09:15   #12
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WARNING: DO NOT CLICK ON ANY OF THE LINKS BELOW.

WARNING: DO NOT CLICK ON ANY OF THE LINKS BELOW.

WARNING: DO NOT CLICK ON ANY OF THE LINKS BELOW.

I have tried best to prevent links showing up as such in your browser.

Quote:
Originally Posted by ddriver View Post
... my hand. also i am left alone as no one is there who can assist me wat to do in these situation and fighting alone from last one month is reallly a havoec but i am still striving hard. now after doing all this what should i do next. if you guys can help in assisting me!

I Do not want to sound harsh, but for doing internet transactions, you need to have a very secure environment.

1. An operating system which requires regular "virus updates" is not, can never be secure.
2.An html browser can never be secure.

Look at the following mail I got today. This is what I see in my mail client:-

Quote:
Date: Mon, 11 Jan 2010 00:42:19 +0100
From: Bank of India <fwzruq@accounts.net>
Subject: *** Bank of India - Please Update Your Internet Banking Account ***
To: bwcmikhji@orange.fr
Reply-To: fwzruq@accounts.net
X-Mailer: Microsoft Outlook Express 6.00.2600.0000
Message-Id: <20100110232334.841B21C015D2@mwinf2116.orange.fr >

<html>
<body>
<a href="http: // www. tcp3.com/usr" target="_blank">
<img src="http: // img138.imageshack.us/img138/6597/boi.gif" border="0"></a>
</body>
</html>
This is what I would have seen if I was using an html based mail client.

Fraud Transfer of Money from my Salary Account of PNB: Fought case & won-screenshot.png



In fact, the entire page is a link to the spammer's site. But reads like a link to bank of India site.

Simply visiting that page will cause your browser, if it is on a Microsoft OS, to send passwords.

From the bank's point of view, all they have to do is to catch the owners of this page. BUt they will not go that pain.

Last edited by Dippy : 11th January 2010 at 10:07. Reason: Editing on request
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Old 11th January 2010, 09:30   #13
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LOL, simply visiting that page will not make your OS "send passwords". First, your browser has to be hijacked and then they have to use the compromised browser to infect your system. A keylogger will probably be installed and whatever you type from then on will be sent to the person.

First, any e-mail provider worth it's salt will prevent that link from functioning. A warning will be shown somewhat like "The link and the text don't match." and the link will be disabled. Secondly, if you use IE, you deserve whatever you get. Firefox and any other browser is regularly patched up (and are more secure from the ground up) and they won't run ActiveX scripts and such unless you click Yes on a dozen dialog boxes warning of dire consequences. If you save passwords on your system to your online banking systems, once again, you deserve what you get. If it's stored in the browser, they are encrypted and the content is useless for the phisher. Before you say encryption can be cracked, yes, it can be - if you have a few million years' worth of computing power at your disposal. If you store it in plaintext in your file system...

Of course, none of this is necessary if the user clicks the link and enters his details on the fake page, making the phisher's life infinitely easier. Social engineering trumps any security measures any software has.

For the OP : Contact the banking ombudsman. That is the only way this will get resolved quickly.
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Old 11th January 2010, 21:18   #14
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Quote:
Originally Posted by ddriver View Post
and really i can only understand from what mental torture and harressment i am going through everyday, as i cant forget that those money was my hard earned money and is just going out of my hand. also i am left alone as no one is there who can assist me wat to do in these situation and fighting alone from last one month is reallly a havoec but i am still striving hard.
now after doing all this what should i do next. if you guys can help in assisting me!
Can't help you with delay and harassment, this issue does take time to resolve.

Can you confirm one thing. Does the sacmster have account in PNB as well?
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Old 12th January 2010, 02:13   #15
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Pls write a letter to the Branch Manager requesting an action and threatening to file a complaint with their MD, Service Head and Banking Ombudsman and get a copy of the letter recd. This should work. I did the same today when they asked me for a fee of Rs. 200 for debit card issuance.
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