How to report unauthorised transaction in PNB (Punjab National bank)?

pnbindia

Have you ever gone through the trauma of getting up in the morning and finding unexpected transaction messages in phone from your Bank saying that some amount of money has been deducted on account of buying something you didn’t purchase!

You don’t understand what has happened and how? Your world starts to fall apart as it was your hard-earned money.

Such instances have become too common in India, not only in PNB but almost in all the leading banks. According to a report by Economic Times, there have been 52,000 bank fraud or unauthorised transaction cases in India between March-December in 2019.

Obviously, the figures are quite alarming, right?

What is a fraud or unauthorised transaction?

A fraud or unauthorised transaction is when a transaction is performed using your banking details, but you did not perform it.

Recently CSITE (Cyber Security & Information Technology Examination) released a worrisome alert that over 1.3 million debit and credit card data of Indians is available for purchase on the dark web.

However, soon after this, RBI has informed all the major banks of India to tighten the security to minimize these fraud transactions.

What should you do when an unauthorised transaction happens in your Bank account?
If an unauthorised transaction happens in your bank account, you must follow the below mentioned steps:

Step 1. Inform your Bank immediately
Inform your bank within the three days of fraud. You can inform them via SMS, email, toll-free number, customer care, visit their website, or simply by visiting their closest branch.

Step 2. Analyse your Account activity
This step will be essential to analyze that where did you compromised your information and to keep a keen eye on the bank transactions in the statement.

Step 3. Change your Passwords & PINs
Without wasting a second, immediately change your online passwords and pins to prevent further fraud.

How to report unauthorised transaction in PNB account?

Punjab National Bank (PNB), India’s first Swadeshi Bank, commenced its operations on April 12, 1895, from Lahore, with an authorised capital of Rs 2 lac and working capital of Rs 20,000. As of the end of June 2021, Bank has total of 36851 delivery channels with a network of 10641 domestic branches, 2 International branches, 13690 ATMs & 12518 Business Correspondents. PNB is the second largest Public Sector Bank (PSB) in the country with Global Gross Business at Rs. 18,23,685 crore. If you have noticed any fraud or unauthorised transaction in PNB account, then here is what you have to do:

  1. Firstly, call PNB toll-free numbers 1-800-180-2222 and 1-800-103-2222 and report unauthorised transaction in PNB account.
  2. Secondly, visit your PNB branch and inform them about the fraud in writing.
  3. Thirdly, write your PNB complaint on the PNB customer care email i.e care@pnb.co.in.
  4. Fourthly, register an online complaint.

Here is a step to step guide on how to register an online complaint to report unauthorised transaction in PNB Bank:

Step 1. Visit the PNB website, pnbindia.in.

Step 2. Go to customer care menu and click on the complaint.

Step 3. You will redirect to the “lodge complaint” page. You can go with two options 1. Lodge Complaint about Digital Transactions

and 2. On scroll, you will get the “Submit Complaint” button.

Step 4. On submit a complaint, you will get a complaint form, fill the form to submit your complaint in PNB.

Punjab National bank

What are the common types of Banking frauds?

Unauthorised transactions are carried out in the following ways:

  1. ATM Fraud: ATM frauds refers to fraud, where the fraudster uses the innocent user’s card details to withdraw the funds using the ATM pin for the transaction. ATM frauds can happen in the following forms :

i. Card Skimming: Card skimming is a fraud where electronic card data is stolen and then is used to produce inauthentic cards to withdraw the money.

ii. Cash Shimming: A foreign device is installed on the ATM to steal the data from the chip of the withdrawer’s card. The main target is to capture the data contained in the card.

iii. ATM Malware/ Jackpotting: A malware that takes control of the ATM functions, thereby allow fraudsters to take out the cash.

  1. Credit Card Fraud: Credit card frauds happen when a fraudster steals the credit card information to make an unauthorised transaction in the name of the card beholder.

Fraudsters get their hands on the credit card information in the following ways:

I. Fraudster digs through the trash files to find the old receipts or statements that will include all your banking information and then will use the information to perform the unauthorised transaction.

II. A fraudster will take you to an unauthentic website where you would fill up your card details and then later would use the information to perform the fraud.

III. When you swipe your card at a store, your credit card details may get exposed, and you later notice an unauthorised transaction. You might wonder what happened? But by using cedit card skimmer, a frauduster can steal your information.

  1. Phishing: Phishing is email trap where fraudster sets an email trap in the name of the bank or government asking for credentials. Later on, these credentials are used to penetrate your bank account.
  2. CNP Fraud: CNP or card not present fraud happens when a fraudster uses your card details such as card number and expiry date to perform the unauthorised transaction via email or phone call.
  3. Account Takeover: Account takeover happens when you mistakenly share your account details or your computer / mobile session with the stranger, and then they use the information to make a purchase online.

No matter what kind of fraud has happened but please report unauthorised transaction in PNB immediately. As per RBI guidelines, can only help if you act in timely manner.

Conclusion
It is advised not to share your bank details with anyone because the government and bank officials would never ask for the same. However, if something unfortunate happens with you, then do not hesitate to report unauthorised transaction in PNB immediately.

But if you are unable to get any resolution from Bank even after informing them about fraud or unauthorised transactions then you should File a Complaint at Voxya.com to take legal action and approach the consumer forum.

8 Super smart tricks to resolve your consumer complaint?

tricks to resolve your consumer complaint

Why do you need smart tricks to resolve your consumer complaint? I am sure you must be thinking.

Raising a voice against injustice will not fetch you any results, if you are just a common man in India. Indian consumers face a lot of struggle in getting their issues resolved as there are still no strict laws for defaulting brands.

You purchase a TV and if it does not work as advertised, then there is very less help available to you. Once you have purchased an item, the sales guy may even refuse to recognize you or may direct you to some pathetic helpline number of the company. After this, your nightmare starts.

You will be put in long queues and your ear may get pain listening to pre-recorded “waiting” messages. I am sure everyone of us has experienced this. It is a very common experience in India for customers and sadly we all have accepted this mistreatment being a tolerable Indian. 

In this article we will talk about 8 super smart tricks to get attention of the company to get resolution in your consumer complaint. It will tell you how you can build pressure on the company and literally compel it to resolve your complaint. Keep reading this article to know smart tricks to resolve your consumer complaint:

Tricks to resolve your consumer complaint

1. Presales pressure
Before actually buying any product or service, convey a strong message to the salesperson that you have doubts about the after sales service of the company and so you do not trust them completely. You should ask him, in case of any problem who will solve your issue?

Tell him that you hate running to the support center or being in queue. This presale strategy may not fully work but this will put enough pressure on the sales guy. In the process of convincing you, he may give his own number or something extra, that can make you feel “special” later. 

2. Over React
Assuming you have purchased the item and something is not working within the first few hours or days as it should have been. Now, is the time to over react! Yes, you have heard it correctly. Over reacting on a small defect may put enough pressure on the seller or company to resolve your complaint quickly. It is one of the best tricks to resolve your consumer complaint.

Just remind the seller that you were already aware before buying the item that this would happen as you do not trust the brand. In such situations, normally he will do everything to make you comfortable.

3. Talk like a Lawyer
If all the above tricks to resolve your consumer complaint have failed then you should start talking legal, even if you do not know anything about consumer rights.

Ask the company or its support executive to furnish every detail about the customer support process of the brand. Get details like company address, distributor name & address, company officials, nodal officers etc.

4. Contact Support & follow up
Lodge a complaint in the call center of the company for support and properly note down the date and complaint ID. Ask the support agent what would be the expected turn-around time for such complaints.

Do not follow up before the expiry of that turn-around period. If they do not resolve the issue within time, then you should call customer support again and update your complaint saying this is the second time you are calling.

Please note that updating the same old complaint ID is very important. Usually the customer agent will insist on closing the old complaint and creating a new complaint ID. But you should insist on updating the same old complaint with new details.

Repeat calling & updating your complaint till you get relief from the brand.

tricks to resolve your consumer complaint

5. Shout without doubt
In my opinion this strategy is one of the best tricks to resolve your consumer complaint. If repeatedly updating your complaint and calling them again & again does not resolve your issue then you should start over-reacting once again on the support call. Start yelling and showing that you are frustrated enough to take strict action against the company.

But remember, do not curse the agent but curse the company!

Once you have put enough pressure on the agent, ask him to connect you to his supervisor on the phone.

In most of the cases, the agent will deny connecting you to supervisor and will tell you that there is no supervisor available at this time. But don’t get fooled by this. Keep on insisting that you need to talk to his supervisor.

Also, before starting this pressure game, tell the agent that you are already recording the entire conversation on your phone which can be produced as evidence later. This would be enough pressure for him to connect you to the authority.

6. Reach higher
If you are dealing with telecommunication, banking or insurance companies and if registering your complaint with the Supervisor does not fetch the desired results then your last resort in customer support would be to contact a higher authority like Nodal officer in your region.

Generally you can meet a Nodal Officer personally or contact them through phone or email. However, the phone number of these Nodal officers will almost never work and you will never get connected to the officer.

So, you should try sending email instead. It has been seen that sending a complaint through email to a Nodal officer generally gets some attention.

But please note that the Nodal officer will not entertain your complaint if you have not tried other support channels first.

Recently, Government of India has mandated all eCommerce companies to appoint a Nodal Officer to ensure compliance with the new rules on consumer protection as per Consumer Protection (E-Commerce) Rules 2020.

So very soon you will be able to reach out to Nodal Officers in the eCommerce stores also, if you are not satisfied with the progress in your complaint.

7. Start legal action
When all the tricks to resolve your consumer complaint have failed and if you are still not satisfied with the resolution provided by the Nodal officer, then the probability is that your complaint is complex and you may have to further pursue it to get better relief.

At this stage, you can send a well drafted legal notice to the company through your lawyer. The legal notice is usually sent to the company’s registered address.

When you send this notice through a lawyer, it puts enough pressure on the brand and conveys a message that you are seriously considering other options.

Usually, you will get some response (positive or negative) after sending a legal notice to a company. 

8. Go Court
If even sending a legal notice does not work then there is a strong possibility that the brand is not ready to hear your complaint and is not interested in resolving the issue.

The only option left for you now is to approach the Consumer court or consumer forum in your matter. You can approach consumer forum online and file a case here.

When a case is filed in a consumer forum, it sends a very clear signal to the company that the consumer is willing to go the extra mile to get resolution.

Nobody wants to waste time & energy in fighting a case in court and the same is true with the company as well. So, mostly the company will try to settle the dispute out of the court which puts you in a better position to negotiate.

Please note that it is not required to hire a lawyer to file a case in the Consumer forum and you yourself can represent your case in the forum. But there is no doubt that in spite of knowing these smart tricks to resolve your consumer complaint, hiring an experienced & qualified advocate will get you better results.

If you do not have time to follow these tricks to resolve your consumer complaint yourself, then there is Voxya who can help you to get resolution in your consumer complaint. You can file a complaint and get resolution in your complaint easily.

Did you receive a fake product from Online shopping?

Fake Product

E-commerce has become a very common method of shopping. Who doesn’t like getting a free preview of a product and then purchasing it from the comfort of their own home?

However, many people have recently had negative experiences with e-commerce companies. And this can make e-commerce shopping a traumatic experience!

So are you someone who has recently ordered something from the online shopping website but has received a fake product?

Received a fake product? Know-How To Resolve Complaint?

Don’t worry you have arrived at the right place! In this article, we will tell you what to do if you have received a fake product from the eCommerce store.

Option: 1 – Make a formal complaint to your online store:

The first step in resolving your problems is to file a formal complaint with an e-commerce firm. The majority of these businesses have a complaint section on their website or mobile app.

 fake product

Or you can use this contact information:

  • Amazon Customer Care No. – 1800 3000 9009
  • Flipkart Customer Care No. – 1800 208 9898
  • Myntra Customer Care No. – 080 6156 1999
  • Jabong Customer Care No. – 0124 612 8000
  • Shopclues Customer Care No. – 0124 441 4888
  • Paytm Customer Care No. – 0120-4456-456

Option: 2 – Use social media to get in contact with the company.

If you are unable to address your issue through their official customer service, try using social media sites.

People use social media as one of their most critical input sources, and brands typically have teams dedicated to monitoring complaints.

Social Media Campaign for fake product

Using the right hashtags and tagging the business will help you get the exposure you want. However, if you don’t want to deal with all of this, you can use Voxya’s social media campaign service. This service is fully free at Voxya!

Option: 3 – Send an email to the company regarding your complaint.

If you can find the email address of the company’s top officials or management, you can give them an email describing your issue. As these higher officials are the ones who make the decisions, your problem will be resolved this way.

Send email for fake product

However, how can you find the right contact information for the decision-makers at the organization you’re dealing with? You can find this information with a little internet research, but it will take a long time. 

Voxya will assist you in saving time if it is something that you struggle with. Without putting in any effort on your part, Voxya will assist you in reaching out to the industry’s top officials.

Option: 4 – Send the eCommerce company a legal notice. 

If the company has not responded to your emails or social media messages, the best choice is to send a professionally written Legal Notice to the company, demanding that they fix the problem as soon as possible, or you can continue to sue them in court.

You may employ an experienced advocate or lawyer to draft and deliver this legal notice on your behalf to the eCommerce company. The eCommerce company will have 30 days to respond to the legal notice.

An experienced lawyer would usually charge between Rs.3500 and Rs.8000 for drafting and submitting a legal notice on his letterhead. However, if the service in your region is out of your price range, Voxya will assist you in sending a legal notice from one of the best legal advocates from the comfort of your own home.

 fake product

Voxya will also send you a hard copy of the notice to your address, along with a tracking number that you can use to track the notice’s delivery to the company.

Option: 5 – In Consumer Court, file a complaint against the eCommerce firm.

If you haven’t received a response from the company after submitting a Legal Notice, it’s time to take your case to Consumer Court.

If you have not got the required resolution from the eCommerce company for your complaint, you can also go to the Consumer Forum.

You may not need to hire an attorney or lawyer to file a consumer complaint against the company. Simply draft Case papers outlining the issue, including evidence, and requesting the resolution you need.

To file a consumer lawsuit, you must submit an affidavit as well as the necessary court fee. If all of this is too much for you, you can hire Voxya to prepare Case Documents for you.

It will take some time for you to obtain a verdict in your Customer Situation. You can collect the disputed amount plus interest, even if it takes three difficult years.

Option: 6 – Use all the options above

All of the options mentioned above should be used for a better and faster resolution. Though it will take some effort on your part, you will see results if you contact the company across all channels – social, business, and legal.

Using the Voxya consumer complaint platform, you can easily address your consumer grievances in India by leveraging social media, business networks, and legal structures.

Your savior in consumer complaints:

Voxya is an online consumer complaint forum. It enables the user to file consumer complaints against brands quickly. It helps the user in fighting against fraud and unresponsive customer service. Voxya is known for its quality services at reasonable pricing.

online consumer forum

Voxya has handled more than 80,000 consumer complaints till now and consumers have claimed damages of around 2200 crores. This clearly shows the authority of Voxya in consumer complaints.

The Final Conclusion!

In this article, we saw how you can resolve an issue if a fake product was delivered to your doorstep. Now that you know the solutions to all the problems, what are you waiting for? Resolve your complaints against a fake product from an online shopping company or website now!

What relief you can demand from a company in consumer complaints?

Consumer Complaints

What to ask for or what exactly to demand is a very important question when you are deciding it for your consumer complaints. 

Choose your demands wisely! They are the compensation that you receive for all the troubles that you faced!

If you are someone who is planning to file a consumer complaint but is unsure of what exactly to demand from the company, then don’t worry you are at the right place. 

You can demand from a company in consumer complaints

In this article, we will explain what are the different reliefs you can demand if you are filing consumer complaints.

Let’s see some of the most popular demands that are made:

An apology letter from the company official:

This is one of the most basic demands that you can ask for. In this, the company provides a written apology for the trouble that you faced after buying its product or service. 

consumer complaint

An apology letter is a physical document or email that admits to making a mistake, expresses regret, and asks for forgiveness or patience from the letter recipient. They are useful in the workplace because they create a physical or digital record of you admitting to a mistake or disappointment and trying to correct it.

Get a refund or credit for your purchase:

If you bought a faulty product or service, you can ask for a refund from the company. People receive a refund only if the product that they bought was defective. Nowadays eCommerce companies are offering Credit in the wallet instead of providing a refund. Here are a few things that you should consider:

  • Not every company has a refund policy so before buying anything from any store check if they have a refund policy. Not every product falls under the refund policy so take a look if your product/service falls under the refund policy or not. 
  • Sometimes there are deadlines on the refund policy that you can ask for a refund only within 7 days of buying that product or service. Also, take a look at the deadlines for the product or service for which you are asking for a refund. 

Get service/product replaced or fixed for free:

If for some reason you are not eligible for a refund, you can ask the company to fix the product or replace it for no additional cost. 

Product replacement policy also has its rules and regulations so make sure you check them once. Generally, a company will try to avoid replacement and will offer repairs/fixes only but you as a consumer have every right to reject repairs in a new product for which you have already paid. 

Get damages for financial loss and mental agony:

This is the demand that most of the people wish to avail and this is also the one from which most of the companies runs from.

Consumer complaints

Most of the time companies avoid providing damages for the financial loss and mental agony. If you wish to take this from a company you have to stay persistent and not lose hope.

If you keep working on the case you may receive your refund even after some years but that’s worth it!

But how can you demand the following reliefs from the companies and get them? If that’s your question then let me tell you out about Voxya

Your savior in consumer complaints:

Voxya is an online consumer complaint forum. It enables the user to file consumer complaints against brands quickly. It helps the user in fighting against fraud and unresponsive customer service. Voxya is known for its quality services at reasonable pricing.

online consumer forum

Voxya has handled more than 79,000 consumer complaints till now and consumers have claimed damages of around 2200 crores. This clearly shows the authority of Voxya in consumer complaints.

The Final Conclusion!

Congratulations, you are very near to receive the claims that you wish for! All you have to do is take action against injustice and initiate the process of your complaints.

Now that you know what kind of relief that you can demand, what are you waiting for? Resolve your complaints now!