Online Credit Card Scam - Help!

crn12 · 23rd June 2009, 15:42

Dear All,

My bro just recieved a call from citibank executives that he has made an online purchase of an Apple laptop, which apparently is a fraud. He has not done any shopping except for that he had used this card to buy a Ferrari Cap online on some Auto website couple of days back, I will let you know the details on which site.

Please help me what actions should we take now? Do I have to lodge a police complaint & How do I stop the payement, the citibank guys are very stubborn saying its already cleared & it has all security numbers entered...

Mods: Pls correct the spelling of "Credit" in the topic label
Appreciate your thoughts & help!!

SAHIR.KITTUR · 23rd June 2009, 15:44

Whats the date & details of the Online purchase of the laptop?

prince_pervez · 23rd June 2009, 15:45

Dude I know this is an automotive forum, but still I don't think everything should be spelt in terms of engines and cars. Credit <> CRDiat.
Anyways thats bad what happened to your brother.
Did you go to the cops and file an FIR?

NetfreakBombay · 23rd June 2009, 15:48

Have he disputed the transaction in written?

That is the first (and mandatory) step.

Once you dispute a transaction, then go and File an FIR. You might be redirected to "Economic offences Wing" for filing the complaint.

crn12 · 23rd June 2009, 16:02

The online scam has happened today at about 12:15 PM, my bro is talking to the bank guys to stop the payment, unfortunately the citi-bank guys are not helping him out.

@net freak what do you mean by disputed the transaction in written? pls elaborate this, so that we can go ahead with the necessary action.

appuchan · 23rd June 2009, 16:22

Where did the fraud transaction happen? In any case you must dispute the charge on your card over phone, online and by hard copy letter. Ask them to recover the money and pay you back immediately. Since it is an online purchase of laptop, the seller will be able to reverse the payment and block the shipment of the item if they receive notice from bank in advance.

See this link on how to dispute credit card fraud. And above all, get the card deactivated immediately to prevent further frauds.

Sam Kapasi · 23rd June 2009, 16:37

Quote:

Originally Posted by crn12

The online scam has happened today at about 12:15 PM, my bro is talking to the bank guys to stop the payment, unfortunately the citi-bank guys are not helping him out.

@net freak what do you mean by disputed the transaction in written? pls elaborate this, so that we can go ahead with the necessary action.

Talking = no proof.

Write. An email, a fax, a letter. Write and file it.

crn12 · 23rd June 2009, 16:40

This has happened in one of the apple sites in UK, giving details of my bros cc. Now the card is deactivated & the citibank guys are not stopping the payment..as they seem to be telling him that they cant do anything now!

How would I dispute if its not shown in the account? he received a call from citi bank asking if he has made the purchase, to which he has said NO, after this the bank customer service reps are saying nothing can be done as its an online purchase in one of the apple sites in UK.

I just don't understand why cant they "citibank" stop the payment to which ever website it is, after getting the permission to do from the owner of the card..

Rehaan · 23rd June 2009, 16:50

Similar threads : http://www.team-bhp.com/forum/shifti...statement.html

http://www.team-bhp.com/forum/shifti...ml#post1003027

cya
R

NetfreakBombay · 23rd June 2009, 17:49

Quote:

Originally Posted by crn12

@net freak what do you mean by disputed the transaction in written? pls elaborate this, so that we can go ahead with the necessary action.

Do there steps.

Login to online netbanking and write a request for disputing the transaction.
Write an application , Xerox it
Submit a copy at citibank branch get acknowledgment on Xerox
Approach nearest EOW and file an FIR based o nthis acknowledgment.

PM me if you need help in actual procedure.

akj53 · 23rd June 2009, 18:16

Quote:

Originally Posted by crn12

This has happened in one of the apple sites in UK, giving details of my bros cc. Now the card is deactivated & the citibank guys are not stopping the payment..as they seem to be telling him that they cant do anything now!

How would I dispute if its not shown in the account? he received a call from citi bank asking if he has made the purchase, to which he has said NO, after this the bank customer service reps are saying nothing can be done as its an online purchase in one of the apple sites in UK.

I just don't understand why cant they "citibank" stop the payment to which ever website it is, after getting the permission to do from the owner of the card..

1. You can prove that this is a fraudulant purchase if your brother was in India when the purchase was made from U.K.

2. The fraudester can be traced by the shipping address provided by him to the laptop seller. Ask Citibank to trace that.

3. Bank will not help you and will try to disown all responsibility. Do all communication in writing (email or fax) and preserve copies with you.

4. File a FIR and threaten CitiBank to file a case in consumer court.

5. Pay your card bill to Citi bank minus this txn amount.

subscrive · 23rd June 2009, 22:05

Now a days password or some personal details are needed while making an online transaction.
How did the fraudster get hold of this info?

nitrous · 24th June 2009, 01:42

I thought credit cards were insured from fraud.

simply_sunny001 · 24th June 2009, 01:52

Quote:

Originally Posted by nitrous

I thought credit cards were insured from fraud.

Anna, in india this feature is not available or maybe not many people know of if its available.

@CRN12
I have once been a victim of this Card scam 2 years back and the bank was Citibank.

i used to use my credit card very generously at internet while during my business trips in US and never thought such a thing would happen.

But for every transaction done outside India, citibank used to send me a confirmation mail straightaway to ask if i made this transaction and if i said Yes, then they would complete the transaction.

Once i was still in india, sombody shopped for 32k on amazon and i got this amount in my monthly statement and i called Citibank immediately as to what is this?

As expected they said that i made this transaction but i dint agree and told them to block my card straightaway and close my account with Citibank

And fortunately i mailed them as my boss suggested and asked them why they dint send me the confirmation mail for that transaction and i am in india during that time.

So finally they relented after 2 days of circus and trying to threaten me with action but i told them that its their fault and i would sue them in court.

REsult = i dint have to pay anything and got a new card.

So be firm and keep everything in writing and tell them that you will go to court against this harassment and all that stuff.

I am sure it will be fine and next time be careful when using card on internet and dont use it on fishy sites.

Cheers

ankitahuja · 24th June 2009, 02:55

Citibank seems to have a lot of fraudulent transactions going on their cards!

Anyway, coming back to the topic - crn12 please refer to my post http://www.team-bhp.com/forum/shifti...ml#post1306788

Having worked for Barclaycard UK's Dispute and Fraud team for about 2 years, (this was before Barclaycard even came to India), I am well aware that whenever you dispute a transaction, there are a series of checks that are made on the terminal to determine what kind of transaction was carried out, and exactly what all details were punched in.

If after investigation, you still disagree to the transaction, the card is blocked and a new one is issued. The dispute is carried out with the merchant's bank and the matter is sorted out. IF YOU INSIST, the bank bears the cost since it's a fraud on THEIR card.

They can very well ask for this to be taken up legally and find out the delivery address / etc.

This is more than I am allowed to disclose regarding the process. Stay put and keep writing those bankers!

23rd June 2009, 15:42	#1
crn12 BHPian Join Date: Jul 2008 Location: Bangalore Posts: 184 Thanked: 5 Times	Online Credit Card Scam - Help! Dear All, My bro just recieved a call from citibank executives that he has made an online purchase of an Apple laptop, which apparently is a fraud. He has not done any shopping except for that he had used this card to buy a Ferrari Cap online on some Auto website couple of days back, I will let you know the details on which site. Please help me what actions should we take now? Do I have to lodge a police complaint & How do I stop the payement, the citibank guys are very stubborn saying its already cleared & it has all security numbers entered... Mods: Pls correct the spelling of "Credit" in the topic label Appreciate your thoughts & help!! Last edited by crn12 : 23rd June 2009 at 15:46.
	() Thanks

23rd June 2009, 15:44	#2
SAHIR.KITTUR BHPian Join Date: Mar 2009 Location: Belgaum / Doha Posts: 298 Thanked: 113 Times View My Garage	Whats the date & details of the Online purchase of the laptop?
	() Thanks

23rd June 2009, 15:45	#3
prince_pervez Senior - BHPian Join Date: Dec 2006 Location: Redwood shores, CA, USA Posts: 4,210 Thanked: 51 Times View My Garage	Dude I know this is an automotive forum, but still I don't think everything should be spelt in terms of engines and cars. Credit <> CRDiat. Anyways thats bad what happened to your brother. Did you go to the cops and file an FIR?
	() Thanks

23rd June 2009, 15:48	#4
NetfreakBombay Senior - BHPian Join Date: Jan 2008 Location: Bombay Posts: 1,466 Thanked: 1,021 Times	Have he disputed the transaction in written? That is the first (and mandatory) step. Once you dispute a transaction, then go and File an FIR. You might be redirected to "Economic offences Wing" for filing the complaint.
	() Thanks

23rd June 2009, 16:02	#5
crn12 BHPian Join Date: Jul 2008 Location: Bangalore Posts: 184 Thanked: 5 Times	The online scam has happened today at about 12:15 PM, my bro is talking to the bank guys to stop the payment, unfortunately the citi-bank guys are not helping him out. @net freak what do you mean by disputed the transaction in written? pls elaborate this, so that we can go ahead with the necessary action.
	() Thanks

23rd June 2009, 16:22	#6
appuchan BHPian Join Date: Jan 2006 Location: Bangy Posts: 642 Thanked: 27 Times	Where did the fraud transaction happen? In any case you must dispute the charge on your card over phone, online and by hard copy letter. Ask them to recover the money and pay you back immediately. Since it is an online purchase of laptop, the seller will be able to reverse the payment and block the shipment of the item if they receive notice from bank in advance. See this link on how to dispute credit card fraud. And above all, get the card deactivated immediately to prevent further frauds. Last edited by appuchan : 23rd June 2009 at 16:28.
	() Thanks

23rd June 2009, 16:40	#8
crn12 BHPian Join Date: Jul 2008 Location: Bangalore Posts: 184 Thanked: 5 Times	This has happened in one of the apple sites in UK, giving details of my bros cc. Now the card is deactivated & the citibank guys are not stopping the payment..as they seem to be telling him that they cant do anything now! How would I dispute if its not shown in the account? he received a call from citi bank asking if he has made the purchase, to which he has said NO, after this the bank customer service reps are saying nothing can be done as its an online purchase in one of the apple sites in UK. I just don't understand why cant they "citibank" stop the payment to which ever website it is, after getting the permission to do from the owner of the card.. Last edited by crn12 : 23rd June 2009 at 16:52.
	() Thanks

23rd June 2009, 16:50	#9
Rehaan Team-BHP Support Join Date: Feb 2004 Location: Bombay Posts: 24,042 Thanked: 34,074 Times	Similar threads : http://www.team-bhp.com/forum/shifti...statement.html http://www.team-bhp.com/forum/shifti...ml#post1003027 cya R
	() Thanks

23rd June 2009, 22:05	#12
subscrive BHPian Join Date: Jan 2007 Location: Pune Posts: 258 Thanked: 30 Times View My Garage	Now a days password or some personal details are needed while making an online transaction. How did the fraudster get hold of this info?
	() Thanks

24th June 2009, 01:42	#13
nitrous Senior - BHPian Join Date: May 2004 Location: UAE/Lon/Madras Posts: 6,965 Thanked: 325 Times View My Garage	I thought credit cards were insured from fraud.
	() Thanks

24th June 2009, 02:55	#15
ankitahuja BHPian Join Date: Oct 2006 Location: Gurgaon Posts: 921 Thanked: 94 Times View My Garage	Citibank seems to have a lot of fraudulent transactions going on their cards! Anyway, coming back to the topic - crn12 please refer to my post http://www.team-bhp.com/forum/shifti...ml#post1306788 Having worked for Barclaycard UK's Dispute and Fraud team for about 2 years, (this was before Barclaycard even came to India), I am well aware that whenever you dispute a transaction, there are a series of checks that are made on the terminal to determine what kind of transaction was carried out, and exactly what all details were punched in. If after investigation, you still disagree to the transaction, the card is blocked and a new one is issued. The dispute is carried out with the merchant's bank and the matter is sorted out. IF YOU INSIST, the bank bears the cost since it's a fraud on THEIR card. They can very well ask for this to be taken up legally and find out the delivery address / etc. This is more than I am allowed to disclose regarding the process. Stay put and keep writing those bankers!
	() Thanks