A techie’s credit card details were allegedly misused for making online purchases without his knowledge after he provided the information while applying for a new card from another bank.
Based on a complaint lodged by Debopriyo Mishra, who works at an MNC in Salt Lake, officers of Bidhannagar police arrested Anil Rajbhar, a former bank employee, and his associate Shambhu Kumar Tanti on Sunday.
Rajbhar, the police said, was an employee of the bank whose credit card Mishra had applied for. “He had quit his job within weeks of stealing Mishra’s credit card details. We are investigating whether he and Tanti had duped more people by stealing data when they applied for credit cards,” said K.P. Barui, the deputy commissioner of police (detective) at Bidhannagar commissionerate.
The police said Mishra became suspicious when he received an SMS last month, saying a request for a new SIM card has been placed for the number he was using. It asked him to dial a three-digit number in case this was a fraudulent attempt by someone to get a duplicate SIM.
“He had not applied for any new SIM. He dialled the three-digit number but could not get through to any of the telecallers of the service provider. He gave up, thinking it was a prank SMS,” said an officer.
A few days later he could not find network connection on his phone for at least two hours. He rushed to his service provider, only to be told that a new SIM had been issued against his name and the old SIM, that he was carrying, had been deactivated.
“Preliminary investigation suggests that Rajbhar and Tanti had used the complainant’s details to forge a photo identification card in which details provided by Mishra were put. But the photo was of either Rajbhar or Tanti. They used this ID card to impersonate Mishra and apply for a new SIM. The service provider, without physical verification, issued a new SIM. We are probing their involvement as well,” said Barui.
The police said the duo applied for the new SIM to prevent SMS alerts of online purchases going to Mishra’s phone. “Since the original SIM became defunct, the complainant had no way of knowing about the online purchases made using his card details,” an officer said.
“The fraud could have been stopped at two levels. Either the mobile service provider should have done physical verification before processing a request for a new SIM or the complainant should have been more patient to reach a call executive over the three-digit number where a fraudulent request for a new SIM is to be reported,” Barui said.
By the time Mishra reported the matter to the service provider, the duo had already made online purchases worth Rs 16,060 using his credit card details to recharge nine mobile numbers.
The police said the one-time password that is needed for any online transaction and is generated in a mobile phone number registered with the account, was sent to the new SIM that was with the duo.
Similar card frauds were reported across the city over the past few weeks.
The police had busted a racket that operated from Jharkhand, duping people by sending text messages that their cards have been blocked and then making calls posing as bank representatives to extract card information on the pretext of reactivating them. The racketeers used the stolen data to transfer money from bank accounts of the duped people.
Never ever give credit card details to anyone, cyber experts warned.
“Even if someone calls up posing as a bank representative, there is no reason to believe him or her and provide your card details,” said an officer with the cyber crime wing.
Don’t share card details
In case you have to share some details while applying for a new one, never give the CVV number
If you get an SMS saying your card has been blocked, physically visit an ATM counter to verify
If a request for a SIM is placed, the service provider will send you an alert message. Call helpline to report the fraud