Someone cloned my Credit Card near Ghatkopar🤬

Hello All , I went on an international vacation and someone stole my credit card and did 2.5 L in INR worth of transactions . While I was checking in the hotel I received a mail and sms for 2 transactions which makes it 2.5L INR and 5 declined transactions of 4.8 L as the card declined the limit . I blocked the card & approached the bank to raise a dispute. I had reported this to my bank in under 4-5 hours of it happening I was told by the phone banking team that the TAT is 90 days and I will get a temporary limit till the case is solved . Simultaneously, I had reported the stolen of card and got a physical complaint to present it to the bank. Within 24 hours I received a mail from the bank that I have shared my pin and the person has used the card and also told me to make the payment to avoid the further charges. The card was tap & pay mode where you don’t require a pin. Hence , the transaction went through. PS - I did take travel insurance and have spoken to them also but I am not sure whether it will work or not as the representative said we will look into and revert. I wrote a mail to RBI to help me in this matter , can someone suggest me what else can be done ? It is causing me unnecessary stress now. What happens in the scenarios like this ?

I have been getting calls from random phone numbers since morning. When i pick up they say that I called them. I believe my mobile number is spoofed. Can someone suggest what can i do in this case? How can I get help? I am worried about my OTPs or any financial fraud that can happen with me. Help out a girl please 🙏😰

I placed an order on swiggy from Meghana’s. The order was of 1700 and I was trying to order one more item and cancelled the order by mistake. I cancelled the order within 1 min but reached out to support team for the refund. The cancellation button on the order has this little 4 bars which I thought was the allowed time to cancel an order. And if I remember correctly there was a dark pattern where there was no additional confirmation to check whether I’m okay to cancel the order with the entire amount as penalty. If they had asked or pointed out that the full amount was going to be levied as a penalty, I would have chosen to get this delivered. They had charged entire bill amount for cancellation and responded saying this is according to the police. I tried to understand how charging entire amount is reasonable. I tried making them realise that even if they had charged 500 rupees I would understand the charges. Later they asked me to write an email regarding the same. I wrote that email and now I have got an update that they won’t be able to refund any amount. This is Meghana’s biriyani, and it was almost within 1 minute and they charge the entire fucking bill amount. I am still okay to pay a cancellation charge if the food was prepared or was on the way to deliver but full amount for within 1 min. I truly hate how these fucking companies choose to be so callous towards both employees and customers. I always believed that most companies are empathetic towards customers and employees but I guess I’m wrong. From the bottom of my heart, - F*ck you Swiggy! - F*ck you for being insensitive towards customers - F*ck you to your policies that makes a customer suffer - F*ck you to taking away a customers money and hoarding it with the restaurant for zero service delivery - F*ck your leadership team for using profitability as an excuse to hide behind shitty customer experience - F*ck your strategy and legal team to devise those cancellation policies

Let it all out. Use this thread as an outlet.

I work at this company since 2+ years, day before yesterday company received an email from one of the two payment gateways that they use for catering Indian and International users for both payments as well as payouts. Now since the gateway that was catering the international users banned the company's account, all of the international transactions went to 0 quickly which was more than 90% of the total revenue, additionally they fined the company for $425,000 Now the problem for the company is: 1. The transactions completely stopped 2. A large sum of money in the account as balance is on hold by the payment gateway accounting to approximately, 1/5th of fine. 3. The fine which the payment gateway is charging, doesn't have any underlying reason as why the fine amount is so big. 4 There's absolutely no reply from the payment gateway on the email hence no way to contact directly. Now, the thing is company knew this day was possible but they had took preventive measures as well and weren't expecting this to happen anytime soon and atleast with a prior notice unlike which landed like a bomb with a brief (text only) email. So there are features called radar and chargeback protection in the payment gateway which take some percentage of your transaction to ensure if there are some fraudulent/illegal transactions they will flag those transactions and prevent the customers (our company in this case) from getting disputes from the card owner/payee, having which of no use to the company. As per the terms, a threshold percentage of your transactions need to be disputed in order to be flagged as suspicious for the payment gateway which was way less in the company's case. Although company too could have prevented this from just banning users whose payments were getting disputed by the card holders claiming they didn't authorise the purchase or either the user didn't deliver for what the payment was done by the payee. In either of the case banning that user was the ideal action.

I did not pick her 50+ calls from various numbers. Now this. Same line again and again that fine lg rha hai.

Had a bank account of Kotak where it was inoperative from 1.5 years and NMC Charges went to 7900 INR. When I went to close the account they started insisting me to pay the charges. How do we deal this folks, coz at the time of taking account they said it is zero balance and then after salary stopped crediting they converted into a savings account with mostly generic alerts !!!! Looteri banks. 😏😒