ATM fraud transaction case?

Question

I, Chaitra Shetty am holder of  VISA DEBIT CARD (ATM CARD) since 2012 and holding an account even before this period It is to bring to your notice that many unknown transactions have taken place from my account in the time frame of 11.PM on 17.12.15 to 6.45 AM 18.12.15 Please note my card has not been lost & i have never shared any bank details with family, friends or acquaintances. I had lodged a complaint on  banks helpline number immediately when the 1st message of withdrawal came to my notice. Within this time there were multiple withdrawals that had been debited from my account. I was guided by the helpline to check my account balance via the sms service to confirm if the withdrawal amount was debited. I had blocked my card around 3.55 am Friday morning (18.12.15).
On final checking for the available balance via SMS service, my account showed i had only 1075 Rs left. I witnessed my hard earned money disappear within few SMSs. This incidence has left me shocked and wayward my trust in bank. I would require you to revert on immediate basis and expect an action to be taken to recover the lost money immediately Msgs i received
1. First transaction was failed since the amount exceeded the limit, Time 11.30 Thu
2.Second transaction amount 22687.8899999 was withdrawn, Time 11.30 Thu
3.Third transaction amount 23719.16 was withdrawn, Time Fri 1.44
4.Fourth Transaction amount 2062.529999999997, Time Fri 6.32
5.Fifth Transaction amount 20622.529999999997, Time Fri 6.32
6.Sixth Transaction amount 2062.529999999997, Time Fri 6.32
I have lodged police complaint on this issue
I have followed banks procedure to investigate the case which stated it will revert in 20 days .In spite of repeated follow ups the branch manager is delaying the judgement This was not expected from a nationalised bank.

Answer 1

Dear Chaitra

At the outset, let me clarify that this site is designed and managed by a group of Senior Banking Professionals to assist Bank Customers at large to provide guidance for resolution of any complain/query/grievance in respect of financial services. This site does not belong to any Bank or a regulator, which may please be noted.

Notwithstanding the statement that you have not lost the Debit Card / shared confidential credentials with anyone, it can be safely assumed that the information might have been certainly divulged in ignorance or captured secretively from you.  The details could have been obtained by the fraudsters, may be through Phishing, Vishing or even SMiShing.  Else, in the absence of all the required security details, your account could not have been debited.  Trust, you might have filed an FIR with Police (Crime Branch), who look into cyber frauds.  Did you check from the bank, as to who was the beneficiary of the amounts, which have been fraudulently siphoned off from your account.  I think, you need to await the outcome of investigations by both the bank and the police officials.  Based on the details of investigations, you may have to take up the case accordingly.

RAJA