15 July 2013
Dear Sir please help me maine 07.07.13 ko ATM machine me transaction Rs.2000.00 ke leya ki ,per useme ek arrar aaya to maine no wala button dabaya or transaction cancell ke liya khada raha ,use samay ek aadame aaya or Apna ATM insert kar deya or Rs.10000.00 ke trancation ke ,use samay mera phone par message aaya to mein use pakada to use ne kaha ke maine to apne ATM se paise nekale h , maine bank me complaint ke to patachala ke paise mare bank se nekale h to maine use ka footage magawaya to uska footage clear nahi aaya , Atm me cctv camera bhi nahi h jisse main useka vido dekhasaku please bataiya ke ab mujhe kya karne chahiya Please help me if you can Thanks Regards
Most ATM frauds happen due to the negligence of customers in using, and more importantly, negligence of banks in educating their customers about the matters that should be taken care of while at an ATM. The number of ATM frauds in India is more in regard to negligence of the Personal Identification Number (PIN), than by sophisticated crimes like skimming. Banks need to develop a fraud policy – the policy should be written and distributed to all employees, borrowers and depositors.
The most important aspect for reducing ATM related fraud is to educate the customer. Here is a compiled list of guidelines to help your customer from being an ATM fraud victim:
Look for suspicious attachments. Criminals often capture information through ATM skimming – using devices that steal magnetic strip information. At a glance, the skimmer looks just like a regular ATM slot, but it‘s an attachment that captures ATM card numbers. To spot one, the attachment slightly protrudes from the machine and may not be parallel with the inherent grooves. Sometimes, the equipment will even cut off the printed labels on the ATM. The skimmer will not obtain PIN numbers, however. To get that, fraudsters place hidden cameras facing the ATM screen. There‘s also the helpful bystander (the criminal) who may be standing by to kindly inform you the machine has had problems and offer to help. If you do not feel safe at any time, press the ATM cancel button, remove your card and leave the area immediately.
Minimize your time at the ATM. The more time you spend at the ATM, the more vulnerable you are. If you need to update your records after a transaction, one is advised do it at home or office, but not while at the ATM. Even when depositing a cheque at the ATM, on should not make/sign the cheque at the ATM. After the transaction, if you think you are being followed, go to an area with a lot of people and call the police.
Make smart deposits. Some ATMs allow you to directly deposit checks and cash into your accounts without stuffing envelopes. As for the envelope-based deposits, make sure they go through – if it gets jammed and it doesn‘t fully go into the machine, the next person can walk up and take it out. After having made the ATM deposit, compare your records with the account statements or online banking records.
Avoid using ATMs at night. While robberies are less prevalent than fraud at ATMs, there‘s still risk, especially at night. And if you have to use an ATM late at night, use one at a bank itself. Financial institutions have to follow certain guidelines and regulations as far as lighting is concerned. They also have cameras on all the ATMs.
Be aware of your surroundings. Before you slide your card into the machine, look around if the area appears safe or if there is anybody who can see the PIN pad. Having the card ready before entering is ATM premises is better than searching for it though the purse at the machine. While you are fumbling with a wallet or purse, you are easy prey for a thief. A good rule of thumb is to always shield your card, no matter how comfortable you are with the place. If your card is stuck inside an ATM, be suspicious of anyone offering help. Immediately report the incident to the bank.
IN VIEW OF ABOVE GO TO BANKER AND WRITE COMPLAINT AND COPY OF THIS COMPLAINT PRODUCE IN POLICE STATION TOO.
17 July 2013
Dear sir Thanks for reply Sir agar main conusmer court me case karata hu to kya mujhe mera paise melega kya kyu ki apne reply me kaahaa h ke mere favour me kuch nahi h per agar mere ko footage clear meljaye to main use aadame ko pahachan sekta hu
Please reply me as soon as possible Thanks Regards Rajendar singh
17 July 2013
dear sir very very thanks for reply sir main bank gaya tha or footage bhi magawaya tha per footage clear nahi h or mere paase eske alawa koi proof nahi h kyu ke machine se koi slip nekal hi nahi rahi thi
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