Card fraud: Retd banker loses Rs 50,000
A retired banker has lost
almost Rs 50,000 in unauthorized online purchases done with his debit
card. Dadar resident Pheluram Ghosh (63) received an SMS last month
from his bank, informing him of the transaction. When he complained to
the bank, its officials told him that he must have unwittingly shared
confidential card information. Ghosh denies this, saying he never even
applied for the authentication system that would have enabled the
transaction, which occurred on January 10.
“I am a victim of an incident similar to what TOI reported just over a week ago (`Dadar resident loses nearly Rs73,000...', January 25). The bank (ICICI) is blaming me for the fraud,“ Ghosh told TOI. He complained to the bank's Prabhadevi branch and mailed a copy of it to the cyber cell of the police. He also filed an FIR at the Dadar police station. An ICICI spokesperson said the online transaction went through a two-level au thentication process: card verification value (CVV) and card expiry date in the first, and six digit 3-D secure PIN in the second. “These bits of information are known only to the customer, who is responsible for their safe-keeping. Without these, an online transaction cannot be completed. It is possible that the customer inadvertently shared the details with someone, who may have misused the information,“ the spokesperson said.
Gosh says there is no question of him sharing the 3-D secure PIN with anyone since he never applied for it. “The bank told me... it is not liable to compensate me. If I had applied for the PIN, I would have received an alert about the same on my mobile number, which is registered with ICICI Bank. But I got no such message. The bank so far is silent on this.“
“I am a victim of an incident similar to what TOI reported just over a week ago (`Dadar resident loses nearly Rs73,000...', January 25). The bank (ICICI) is blaming me for the fraud,“ Ghosh told TOI. He complained to the bank's Prabhadevi branch and mailed a copy of it to the cyber cell of the police. He also filed an FIR at the Dadar police station. An ICICI spokesperson said the online transaction went through a two-level au thentication process: card verification value (CVV) and card expiry date in the first, and six digit 3-D secure PIN in the second. “These bits of information are known only to the customer, who is responsible for their safe-keeping. Without these, an online transaction cannot be completed. It is possible that the customer inadvertently shared the details with someone, who may have misused the information,“ the spokesperson said.
Gosh says there is no question of him sharing the 3-D secure PIN with anyone since he never applied for it. “The bank told me... it is not liable to compensate me. If I had applied for the PIN, I would have received an alert about the same on my mobile number, which is registered with ICICI Bank. But I got no such message. The bank so far is silent on this.“
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