Marginally saved from a Scam, please take note

[harshar]

Hi everyone,

I got a call today offering Axis Ace credit card LTF. I didn't have much use for it, but the sales person said I'll get a 10L limit, so why not, I thought. She asked me for another credit card statement for a C2C, to which I complied.
Then I got an email from communication-apply@axiscard.online, well formatted and phrased, to click and apply. This sent me to a page for general details and aadhar verification. The final page was, oddly enough, the Ace card all set to use, except the cvv. All that was left for me to get the cvv, was to pay a INR 49 fees, and the card would be ready for online use, to be dispatched at the same time.
Distracted from work, I couldn't see this as an alarm. Anyways, I got another email to pay 49, got the otp for it, but that didn't work (timeout). Waited a while and applied again, got the otp but this time the amount was INR 96710!!!
I appreciated the scammer for her wit, especially since the first otp had amount as 49 which is more likely to be noticed, and the second one had the high number.

I'm still a bit concerned as I had shared the cred otp and aadhar authentication. Has anyone had a similar experience?

 

[Bigde]

Hi everyone,

I got a call today offering Axis Ace credit card LTF. I didn't have much use for it, but the sales person said I'll get a 10L limit, so why not, I thought. She asked me for another credit card statement for a C2C, to which I complied.
Then I got an email from communication-apply@axiscard.online, well formatted and phrased, to click and apply. This sent me to a page for general details and aadhar verification. The final page was the Ace card all set to use, except the cvv. All that's left now for me to get the cvv is to pay the INR 49 fees only, and the card would be ready for online use, to be dispatched at the same time.
Distracted from work, I couldn't see this joining fees as an alarm. Anyways, I got another email to pay 49, got the otp for it, but that didn't work (timeout). Waited a while and applied again, got the otp but this time the amount was INR 96710!!!
I appreciated the scammer for her wit, especially since the first otp had amount as 49 which is more likely to be noticed, and the second one had the high number.

I'm still a bit concerned as I had shared the cred otp and aadhar authentication. Has anyone had a similar experience?

The language used in this notification was a dead give away that this email was a phishing email. You shouldn't have provided your Aadhar and OTP details. Now to safeguard yourself, I recommend blocking the card (the statement of which you have provided during C2C).

 

[FinoGuy]

My god!
These scammers have no limit. I hope you've locked your adhar card. & report this to cyber security..
Redflags in that email (on careful check ofcourse one tend to overlook these in excitement)
1) grammer errors
2) joining fees for any cc is not paid upfront. Its charged in 1st statement (experts correct me if am wrong.
3) Rs.49 joining fee doesn't make any sense as either will have 0 or axis specified fees.
4) is there's any joining fee, then how come they activated card & displayed cc number? This doesn't make sense.
5) domain in email was .online which doesn't belong to axis
+ female agent can also be scamsters guys human mind subconsciously thinks otherwise! It can also be a male using voice changing software

 

[harshar]

Yes, it absolutely was a give away.
Blocking my CC was the first thing I did after the call.

How do I lock my aadhar? I know biometrics can be locked.

Thanks!

 

[harshar]

I found the option on uidai, thanks. Have locked it now.

 

[FinoGuy]

Yes, it absolutely was a give away.
Blocking my CC was the first thing I did after the call.

How do I lock my aadhar? I know biometrics can be locked.

Thanks!

I meant biometric only, without biometric /otp adhar is almost useless for financial fraud (identity theft can still be an issue).
+ I strongly advise to use virtual 16 digit adhar instead of original adhar for some added security (even though uiadai claims that it can't be,, original adhar number can be easily obtained from virtual id).
For identity theft issue, you can lodge a police complaint describing the incident & get acknowledgement. In future if any fraud you can show this complaint acknowledgement as proof. (again leaving this part for open discussion by other experienced members of forum)

 

[SunnyM]

We should have a 'scammer' or 'scam' section as a seprate thread . I have also two instances where I could have lost money. But I am happy that you didn't fall for it and also shared it here.

 

[harshar]

ikr! I searched for a scam thread before putting this in general

 

[Predator]

I lost around 40k after falling for such similar trick. I filed a complaint against it online, but they can't do much as in such cases transaction is genuine as OTP is shared. It's better to set a low limit on cards and open it only for the duration you are going to make a big transaction. This makes you safe from such scammers.
But, I know the name, city, account number, IP address, and bank branch address of the guy who scammed me. One day I will surely chase him and make him regret it.

 

[AsB]

Yes, it absolutely was a give away.
Blocking my CC was the first thing I did after the call.

How do I lock my aadhar? I know biometrics can be locked.

Thanks!

Check if your aadhar was used somewhere, from the UIDAI Website.

 

[gurbina]

I lost around 40k after falling for such similar trick. I filed a complaint against it online, but they can't do much as in such cases transaction is genuine as OTP is shared. It's better to set a low limit on cards and open it only for the duration you are going to make a big transaction. This makes you safe from such scammers.
But, I know the name, city, account number, IP address, and bank branch address of the guy who scammed me. One day I will surely chase him and make him regret it.

Did you ever try doing the claim against the bank? As far as I'm aware most debit and credit cards have fraud protection some you need to report it shortly, other banks allow you to do it even months the road.

 

[SunnyM]

I lost around 40k after falling for such similar trick. I filed a complaint against it online, but they can't do much as in such cases transaction is genuine as OTP is shared. It's better to set a low limit on cards and open it only for the duration you are going to make a big transaction. This makes you safe from such scammers.
But, I know the name, city, account number, IP address, and bank branch address of the guy who scammed me. One day I will surely chase him and make him regret it.

Bro ,Can you please share what happened if you don't mind. It can happen to anyone of us. This could help everyone .

 

[Wealth is my birth right!]

Hi everyone,

I got a call today offering Axis Ace credit card LTF. I didn't have much use for it, but the sales person said I'll get a 10L limit, so why not, I thought. She asked me for another credit card statement for a C2C, to which I complied.
Then I got an email from communication-apply@axiscard.online, well formatted and phrased, to click and apply. This sent me to a page for general details and aadhar verification. The final page was, oddly enough, the Ace card all set to use, except the cvv. All that was left for me to get the cvv, was to pay a INR 49 fees, and the card would be ready for online use, to be dispatched at the same time.
Distracted from work, I couldn't see this as an alarm. Anyways, I got another email to pay 49, got the otp for it, but that didn't work (timeout). Waited a while and applied again, got the otp but this time the amount was INR 96710!!!
I appreciated the scammer for her wit, especially since the first otp had amount as 49 which is more likely to be noticed, and the second one had the high number.

I'm still a bit concerned as I had shared the cred otp and aadhar authentication. Has anyone had a similar experience?

Thanks for sharing the alert bro
Kindly lock adhaar for a month to ensure safety

 

[thanix]

Hi everyone,

I got a call today offering Axis Ace credit card LTF. I didn't have much use for it, but the sales person said I'll get a 10L limit, so why not, I thought. She asked me for another credit card statement for a C2C, to which I complied.
Then I got an email from communication-apply@axiscard.online, well formatted and phrased, to click and apply. This sent me to a page for general details and aadhar verification. The final page was, oddly enough, the Ace card all set to use, except the cvv. All that was left for me to get the cvv, was to pay a INR 49 fees, and the card would be ready for online use, to be dispatched at the same time.
Distracted from work, I couldn't see this as an alarm. Anyways, I got another email to pay 49, got the otp for it, but that didn't work (timeout). Waited a while and applied again, got the otp but this time the amount was INR 96710!!!
I appreciated the scammer for her wit, especially since the first otp had amount as 49 which is more likely to be noticed, and the second one had the high number.

I'm still a bit concerned as I had shared the cred otp and aadhar authentication. Has anyone had a similar experience?

Glad you are saved. Do you remember which payment gateway was used since you were planning to use your credit card? Unlike peer to peer money transfers to bank account, any usage of PG for scamming can be brought to the notice of PG provider. The settlement is not instant and they have fraud protection. So getting back money is possible. Please report this to Axis Bank and PG through social media with RBI tagged and email compliant to them as well.

 

[Predator]

Did you ever try doing the claim against the bank? As far as I'm aware most debit and credit cards have fraud protection some you need to report it shortly, other banks allow you to do it even months the road.

Yes, I disputed the transaction, and bank set up an inquiry against my claim. They concluded that Bank was not at fault as proper security protocols were followed for the transaction to take place.
As most important security layer of a transaction is OTP which I entered on the fake website by myself.
So, there was nothing much they could do

 

[Predator]

Bro ,Can you please share what happened if you don't mind. It can happen to anyone of us. This could help everyone .

Sure, I will post the details as separate thread

 

[harshar]

Glad you are saved. Do you remember which payment gateway was used since you were planning to use your credit card? Unlike peer to peer money transfers to bank account, any usage of PG for scamming can be brought to the notice of PG provider. The settlement is not instant and they have fraud protection. So getting back money is possible. Please report this to Axis Bank and PG through social media with RBI tagged and email compliant to them as well.

The pre payment page had billdesk logo (misleading), and all other links on the page (policies, disclaimer etc) redirected to the real axisbank website, giving an impression that its authentic.
I'm not sure whether this implies its P2P, but it was a secure connection with ccardactivate-payment.herokuapp.com as the address end.

 

[shub]

Scammer - sir sbi se bol rha apka account and card kyc freeze ho gyi hai eska notice apke ghr gya tha 10500 rps ka, apne koi response nhi diya ab legal action hoga coz notice ka reply dena tha or share the otp now we will settled this..
ME - bhaiya 10500 ka notice aya tha meine to pay krdiya , ab kya mtlb pehle bolna tha..
SCAMMER- shocked, phone cut, simple

 

[blacktiger]

also this is why the otp page should have the amount written on it, and banks should specify the amount in otp sms. in most of the rupay card otp page, there is no amount mentioned, and some banks like bob doesn even mention the amount in otp sms

 

[harshar]

In this case, the otp page mentioned 49, the text message said 96K.