unauthorized transactions on my debit card, and I am seeking your guidance on the appropriate steps to take next.

[mohammedabraar4222]

Dear Tf members,


On September 5, 2023 at 9:00 pm, I realized that my debit card had been lost, and within a matter of minutes, it was used for two unauthorized transactions which are happened with Contactless feature at Smkn Petrol Bunk in Krishnagiri.

I hold priority Savings Account.



The details of these transactions are as follows:

1. Debit Transaction:
- Amount: INR 4700.00
- Account Number: XX985220
- Date and Time: 05-09-2023 21:19:00
- Description: PUR/SMKN PETROL

2. Debit Transaction:
- Amount: INR 150.00
- Account Number: XX985220
- Date and Time: 05-09-2023 21:15:56
- Description: PUR/SMKN PETROL

Immediately upon realizing the unauthorized transactions, I contacted Axis Bank's customer care, and they promptly blocked my card and all associated payment channels.
The customer care agent assisting me raised a complaint with the following reference number: SAK0000XXXX for unauthorized transactions.

My primary concern now is to understand the next steps I should take in response to this incident. Specifically, I would like to know if I should register a formal cybercrime complaint or if I should await further instructions or resolution from Axis Bank.


I kindly request Community members guidance and assistance in navigating this situation.

 

[shubhamosy]

Following, I'll learn something new.

 

[D₹V]

One plus point you have that, the petrol pump is used which is nearby you probably.

And they must have CCTV footage of the person who used your card.

You can do FIR 🙄, Police should help.

 

[TechnoFinoTechnoFino is verified member.]

you have already filed dispute within first 24 hours, so no need to worry... just relax.
You'll get your money back in my opinion but yea.. it will take upto 120 days.
you should also file a FIR with your local police station.

 

[mohammedabraar4222]

you have already filed dispute within first 24 hours, so no need to worry... just relax.
You'll get your money back in my opinion but yea.. it will take upto 120 days.
you should also file a FIR with your local police station.

Thank for your response.

Update :
After following up with Axis Bank's nodal officer and principal nodal officer, the bank has finally credited the funds as temporary credit to my account. They have requested additional time to investigate this issue. I remain hopeful that my money will be refunded.