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Fraudulent Transaction by taking OTP and threatening of legal process
Question
I opened a Credit Card account with one company. Someone posing as customer care from that company has cheated me by making unauthorised transaction by taking the OTP from me and they had used the money of Rs. 19914/-. This happened within 48 hours of I opening the account with that company and hence a clear indication that someone internal to that company knew all my details and has done it. I have filed a Cyber Crime FIR and also communicated to company customer care and grievance through email & phone. I have all emails and recorded calls. I have got no resolution from them yet. Now the company is asking me to pay the dues and threatening me of legal process. What shall I do? Am I liable to pay the money without getting any resolution on the complaint?
Answer ( 1 )
At the first instance, you can raise the complaint with the company/bank’s ombudsman asking them to hold the payment as it has been reported to be outcome of a fraud as the transaction was never certified by you. If the police is not taking any action in the complaint filed by you, approach the nearest magistrate with a private complaint. Inform the company with regard to entire details. if need be, get a legal notice issued through an advocate asking the company to stop harassing you for making the payment of a spend for which a complaint is already pending. For better advice, approach the team at Instalegal through whatsapp for further process if you intend to proceed with legal notice.