While I was sitting in my office about a week before I received 4 consecutive sms'es from the bank informing me of purchases worth Rs xx,xxx.xx. These were made in foreign currencies. The amount is substantially high. The card is in my possession only and was with me while this happened. I duly informed the bank within 5 minutes and they blocked the card. On their advice I filed a complaint with local crime branch.
I sent copy of the complaint to bank with a covering letter denying these purchases, and also appearing in person with the local branch of the bank proving I had not traveled out of India. I also denied my responsibility of the payment, since I had not authorized these transactions.
the latest statement shows the amounts. I received a letter from bank in response to my letter; where they stated that They are taking up the matter with Visa. They have also asked a copy of FIR and Final Investigation Report from police authorities. They say that based on these two documents they will get insurance from XXX XXX company.
please advice my role in this. I have already cleared the legitimate balance on my card. I am worried about not getting the FIR and/or final investigation report copy from police; without spending valuable time in their offices.
and lastly ; any idea how this would have happened; even with secured payment gateways, and all?
thanks and regards.