Rs 1.5 Lakh Robbed From Noida Woman’s HDFC Bank Credit, Debit Cards In Metro; OTP, Pin Not Used!

In a unique case of fraud, a Noida woman lost Rs 1.5 lakh from her HDFC Bank debit and credit card. In this robbery, the hackers didn’t even use her OTP or Pin to carry out the heist.

This is how this happened..

Noida Woman Robbed Of Rs 1.5 lakh

Noida based Neha Chandra is a PR executive, and recently she was traveling in Paris.

Some miscreants stole her HDFC Bank credit and debit card in the metro train which runs within Paris. As soon as she discovered this theft, Rs 1.5 lakh was siphoned off from her HDFC Bank credit and debit cards.

This happened on the New Year’s eve.

While her HDFC Bank debit card was robbed of Rs 52,499.99 and Rs 44,544.24; Rs 52,499.99 was debited from her HDFC Bank credit card. 

All three transactions happened within seconds and was carried out at a merchant called ASHANTI, PARIS 10/FR.

How Did This Happen?

For debit and credit cards issued in India, and used abroad, there is no need for OTP for transactions upto a certain limit. All the hackers need is the card number and the CVV number. Once these are obtained, the Pin can be reset easily, and any transaction can be carried out.

The robbers used these facts and information to siphon off Rs 1.5 lakh from Neha’s bank accounts and credit cards, and carried this heist.

As per the RBI guidelines, a complaint was filed within one hour of the incident, and the cards were blocked. Besides, as per the guidelines, within 12 hours, all the necessary paperwork were sent to the bank. FIR was lodged in Paris.

The remaining funds in the debit card was transferred to another bank account as well.

But Neha Is Not Happy With HDFC Bank

As per statements issued by Neha, she is not at all happy with the way HDFC Bank treated her.

She has not received her stolen money back, and the bank even asked her to translate the FIR lodged to English, since it was originally in French.

She said, “I am yet to receive any amount from the bank despite following the RBI guidelines. I was even asked by the bank to get the FIR translated into English that will cost me Rs 8,000. Instead of reversing my stolen money, they are asking me to spend more,”

We will keep you updated, as more details come in.