Share Your Online Fraud & Refund Struggle💻💸💪

General
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Dear Community Members,

We all have had experiences with online fraud :computer: or refund issues :money_with_wings: that left us feeling frustrated :exploding_head: and helpless :pleading_face:. At times, it feels like we are fighting the battle alone :muscle:. That’s why we wanted to start this discussion on “Banking Fight: Protect Your Finances :moneybag::credit_card::shield:.”

Have you ever had an issue with online fraud :moneybag: or a refund that you struggled to resolve? How did your bank handle the situation? Did you feel supported and guided through the process, or were you left to fend for yourself?

We want to hear your stories and experiences. By sharing them, we hope to create a sense of community and support for one another. Maybe, together, we can find solutions and push for better support from banks :credit_card:.

So, let’s start the conversation. Share your experiences, offer advice, and let’s see how we can support each other in this fight :muscle:.

Best regards,
The Community Team :handshake:

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One time I got a call from a person who was telling me that he talking from head office of kotak and saying you kyc and this or that hasn’t been completed or what’s so ever and he asked my debit card number and cvv and at that time i know this is a scam and fraud i starred acting that I’m worried about my account i ask him to give me few minutes so I can take out my debit card and i started playing with that scammer although I tell him wrong number and cvv of debit card and i was playing with him ten my small brother said a slang to that scammer then he realised that we are messing with him and then he started causing us and cut the phone although i don’t ever have any fraud and scam till now and i will hope that no one face this scammer problem ever so stay safe while using the internet

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I got Scammed with 1000Rs in Lockdown with one of website who was useing MLM Network Systems they pay daily high amount to Customer for 8 to 9 days for gaining trust. Then after collecting High amounts they Run or close thier website.:expressionless::expressionless:.

But after i get known their trick and start using website only for intial 4 days then withdraw money. I earned nearly 2000rs from them​:joy::rofl::sunglasses:.

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In April 2023, I received a message on WhatsApp from someone offering an online job promoting e-commerce product reviews. They asked me to buy the products and review them, promising that the product amount and a commission would be added to my account.

They continued to add high-value products, and during that time, I was not thinking clearly and ended up giving around ₹615,800. They then increased the product value to ₹1.3 million and asked me to complete the task to withdraw the money, which I couldn’t do.

The scammers used the name of a known e-commerce company, OnBuy (an England-based company), to deceive people. When I realized I had been scammed, I immediately contacted the OnBuy social media team, who confirmed that it was a fake website and assured me they would report it.

Without informing the scammers that I was aware of the scam, I immediately filed a complaint with my bank and the cybercrime department and also visited my bank branch. The bank’s assistant manager confirmed that the scammers’ accounts were frozen and that the money was still there.

Despite this, I received no positive response from the bank for a chargeback. I escalated the matter to the RBI, but their team showed little interest in resolving the issue and focused only on closing the ticket.

I have emailed the bank’s CEO, but their senior management keeps telling me to follow up with the cybercrime team and that they will only proceed once they receive an update from them. Since then, I have been continuously following up with the cybercrime team, but the person handling my case often claims to be busy and is now not even responding.

The RBI states that any scam reported to the bank within 24-48 hours will result in a refund, but I believe this is false because no one is helping, and I am still paying EMIs on the amount I borrowed.

I don’t know how or when I will get my money back. If anyone knows a way to resolve this, please suggest a solution that does not require any additional money, as I have exhausted all my savings.

I live with my parents in a rented house, and my salary is not sufficient. I am in a very bad situation right now.