@Vijay_Raj_Jindal Can you recollect receiving any calls as I had as explained in the below link?
So for the fraud call that I had received for my Paytm postpaid account, I complained about the fraud. I got a call in 2 or 3 days.
But the funny thing is they said they wonāt do any enquiry into the call as I hadnāt lost any money from my account.
I tried to explain to them that someone else could be affected and they might even lose the money.
Then the Paytm executive said that the best that they can do is block my account and then start the enquiry. I didnāt want my account blocked.
I think the Paytm processes need to improve.
As I have mentioned in my post (linked above), I got a call which asked for the Croma linking OTP on the pretext that the OTP would be used to stop the transaction.
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The best way to avoid fraud is to just do not use paytm postpaid. Most dangerous thing that paytm postpaid does not need OTP for each transaction (except login)
I activated postpaid with 60000 limit but I know the consequences very well, i called for block my postpaid next second.
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nothing like this
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I too have a postpaid limit of 6000.
In that case, I felt Mobikwik much better in terms of security (they too have so many flaws)
They alert a user via sms about suspicious transaction attempted using ZIP balance and they display the OTP required to complete the transaction, on the app. They will not send OTP via sms
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Do you have Mobikwik ZIP ?
Yes. The limit is around 9500.
I am planning to close all these credit lines one by one soonš
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I causally checked whether I am eligible for some limit or not, hoping the limit can be used in some emergency. Also, I thought I would get that Zip Black Card when I saw on their app that physical card is coming soon. But it didnāt happen.
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Guess we all do thisā¦ 
@Abhinav_Goyal Good for youā¦
Solution required
Aditya Birla did their so called investigation and have come up with plain vanilla solution that I have to make payment of 39k (even though it was a hacking on my account).
What can be the solution? Or next steps?
For first comers to this thread - read the first post to get idea.
I think they would argue that you have given the OTP for the transactions.
How to prove your case, I am not sureā¦ 
Can you check if you have got any SMS from Paytm Postpaid (in case you donāt delete your OTPs)?
The banks also do the same. If you have given the OTP for the fraud transaction of a debit card or credit card, you will not be compensated for the fraud claim.
The fault has to be from the bankās side due to some lapse or some hack on the bank.
@alexnazy I checked on same day for OTP as I had received 2 back to back emails for debit of 14k & 25k. There wasnāt any OTP message(s)
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In that case, you can fight it out.
@alexnazy Understood
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Did the Paytm excutive contacted you regarding the issue.
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Suggest you go through the previous messages on this thread to get the complete picture
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@Mukun Yeah someone did.
But he was right in his stance stating that OTP was triggered from my mobile (I donāt have any proof to prove that my mobile was hacked).
First someone used my money, and on top of that it was my score which was getting tarnished (double whammy).
@yagnesh01 Yesterday I tweeted this and someone from Paytm did connect with me but he was right in his stance that OTP was triggered from my mobile (I canāt prove otherwise).
But there were some questions which he was not able to answer:
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As per business practice BNPL txns are settled T+1, then why did Paytm settled txns next day when I raised the complaint to Paytm via email and chat along with cyber crime compliant number?
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How can someone register as āCromaā and āTitanā as a vendor? I am saying this because both these vendors declined stating that the txn number doesnāt belong to them, in-fact their txn number are not this much long.
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Why Nodal officer didnāt replied?
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