I have been dodging challenges all of January, I have barely tried to balance myself after a bad accident and in comes another shocker, though I’d like to think of this as a temporary phase, these situations sap a lot of energy reserved for the future.
ATM’s for me is more than a consumer convenience product, my life is intertwined, I have far greater dependency than can be imagined, the joy and relief I experience when cash strapped on a distant trip, on seeing an ATM after travelling kilometers upon kilometers is unique.
I look at it as a friend who comes to my need always, I don’t normally carry extra cash and hence often end up in an ATM to help me, (this will change soon as ATM transactions are now charged) I try to restrict my transactions to card swipes for two reasons, one, extra cash gets blown off without thinking twice, secondly, it helps keep tab of expenses and purchases as they get recorded in the statement.
I take my share of casual caution when I am in an ATM to ensure that there isn’t anything abnormal attached or protruding on the machine that a layman would notice, I also ensure that there aren’t people looking over my shoulder. Of course I go by the basic assumption that the ATM is safe to operate and the bank constantly ensures it is in good health and secure.
Now with a heavy heart I share my unfortunate experience here, why because this can happen to anyone, we all visit ATM’s often, if not multiple times a day. Since I have been a victim I chose to post here so it can help us all be more aware and alert, this won’t completely eliminate the risk but will make us cautious.
Also since BHPians are from different walks of life, there could be some who are experts in this field hence I seek advice from them on how to avoid such incidents in the future and also my course of action in the current scenario.
On Jan 29th 2016 suspicious unauthorized transactions from two accounts of mine and a third one belonging to my fiance were observed in the evening, totaling about 1.3 lakhs, causing panic and stress. This was due to a suspected scam by a fraudster who had duplicated card details for transactions done on Jan 25th from ICICI ATM which is attached to the bank in Porvorim, Goa near PDA colony, the said transactions were routed through London proving the Fraud.
On recent inspection it was noticed that this Porvorim ATM does not have any overhead surveillance cameras and hence may well have be an insider job, recent reports floating around mention that about 22 users were swindled.
I vividly recollect this ATM visit as I had parked the car on the side of highway adjoining this ATM, earlier cars were parked along the side of this road, recently they built a pavement along the side, I as usual parked my car along the side and to my surprise the traffic cell put lock for parking in no parking zone. I rushed out of the ATM after hurriedly completing my transfers and withdrawal so I could get them to release the car immediately, it’s a hassle to call them back once the traffic cops have gone ahead. I paid 100 bucks and was happy I didn’t have to go through an ordeal. Sadly this story had another end destined.
Since this is a significant sum for us it has disturbed our daily balance. I visited the bank the following day and for my accounts handed a formal complaint letter along with proof of presence and also registered the complaints with the help line. I could not do the same for my fiance as she is currently overseas in the Gulf and had left Goa earlier that week, I hence have requested her to send signed physical copies through registered post which I can then hand over to the bank.
I approached the local police station but was turned down stating this complaint belongs to the cyber cell, since this is a virtual crime let me know what are the next steps to follow to protect myself and my fiance from being white washed and ensure our hard earned savings remain intact, also ensuring we get full refund and compensation without haggling or unwanted delays.
I am assured by my bank, ICICI not to worry, they have promised that I will be credited full refund after their internal investigation. Supposedly their insurance will pay them after investigation. Since my fiance is in the gulf, it may take a bit longer for her to get this credited back. I am secretly being optimistic, though I am worried at how my new year is shaping, in fact I have been asking around on how to change and improve my time. I am sure there must be better things to come once I get all this behind me.
I have been reading about ATM frauds on Google and here are some of those links:
https://www.commbank.com.au/personal...ness_guide.pdf http://www.theage.com.au/ed_docs/skimmer.pdf http://www.ossianstatebank.com/uploa...%20Devices.pdf
And few other related articles:
http://www.creditcards.com/credit-ca...-scam-1282.php http://money.howstuffworks.com/atm-skimming.htm http://www.komando.com/tips/278304/h...d-skimmers/all http://wtnh.com/2014/12/03/police-gi...mming-devices/
I had enough of this roller coaster, Friends wish me lots of luck and good fortune for this new year!