On 29th Sep 20-23 at 6.36 pm I had ordered a Choco Chip Cake from Kandy Pastery Parlour Kalka ji. New Delhi, through Zomato for my nephew who lives in Defence Cly , New Delhi.
I checked with him if he is at home. He confirmed that his wife is at home and his wife was also informed about the delivery of the cake from ZOMATO..
Soon after few minutes of the order of the cake I received several calls from the delivery boy of ZOMATO that he can not find the location. Around 7.20 pm I was informed by my nephew that cake has not been received. I called on ZOMATO Number to check the status of delivery of the CAKE and I was told that the order has been cancelled .
I immediately placed the order again at ZOMATO for the same cake to be delivered at the same Address in Defence Cly . New Delhi. I also made the payment again to ZOMATO that thinking I will be given refund for the undelivered cake. The second order of the cake was delivered around 8.40pm on 29th Sep 2023 itself.
At around 9.50 pm on29th sep 2023 the day cake was ordered someone called me pretending to be from customer care ZOMATO and told me that ZOMATO will make the refund for the undelivered cake and for this he wants few bank details. He asked me to download an app HOP TO DESK and than told me to write the Bank Name and UPI ID. Knowing well one should not give UPI ID to any one, some how I filled the details.
Next day morning on 30th Sep 2023 at 11.00am when I was about to leave my house and he again called me that he is from ZOMATO CUSTOMER CARE and he had called me yesterday night for refund and if I can download same app HOP TO DESK again and fill the same information.
I told him that I am in hurry and I will do it in the evening after returning home . He said it will take two minutes and by the time you come home the money will be transferred to your account. I wonder what made me to fill the information . I left home around 11.30 am and returned back around 6.30 pm.
I WONDER HOW THE INFORMATION WAS LEAKED THAT ORDER FOR CAKE TO ZOMATO WAS CANCELLED
After coming home around 7.00pm I checked my Balance history on Paytm to check if the refund has come. I was shocked to know that instead of getting refund from ZOMATO an amount of Rs 88,900 has been withdrawn from my SAVING ACCOUNT in PNB, Lady Shri Ram College, New Delhi at 11.20 AM. What was most shocking to see that money is transferred from Sarla Jawa PNB to Sarla Jawa HDFC BANK where I Have never opened an account . I Immediately registered Online complaint to cyber Crime office which is in Saket District court . On helpline number of PNB .I requested them to block my UPI id linked with my ATM Debit Card.
After that I called the PNB Manager of LADY Shri Ram College ,New Delhi at her residence from where the money was transferred. She advised me to cease my Debit account of PNB which also I ceased,
1 st Oct and 2nd OctT 2023 being a holiday on 3rd Oct 2023 I visited the HDFC Bank in Soami Nagar , New Delhi and met the manager of the Bank of HDFC and requested him if he could help me to identify
the Branch of HDFC Bank where the money is transferred .He told me that no Branch can locate the Branch but only the NODAL office of HDFC Bank can do it..
By web surfing I could find his email ID. of the Managing Director and CEO of HDFC Bank
I sent an email to him informing him about the financial fraud. He forwarded my mail to Grievance Department of HDFC Bank .
On 5th 0ct 2023 I received a mail from Grievance Department of HDFC Bank that they will investigate and get back to me in two day and.If more time is required they will inform me. They also advised me to get in touch with PNB Bank also from where the money is transferred to HDFC Bank.
I contacted the PNB Bank to know if it is possible to know the branch of HDFC Bank where the money is transferred. The manager told me that they have received a mail from the Cyber Crime office informing the PNB BANK that the amount of Rs 88,900 has been transferred from PNB , Lady Shri Ram College , New Delhi i from saving account of Sarla Jawa and it is transferred in her name to HDFC Bank and the IFSC CODE is given which the Bank Manager shared with me
Using web surfing I learnt that one can locate the Bank Branch with BANK IFSC CODE. Using theIFSC CODE of HDFC I have been able to locate the branch of HDFC Bank where the money is transferred in my name ,The HDFC Bank branch is in ASSAM District Nalbari in Adaban branch
What is most surprising is how the person who transferred the money from my PNB account could open an account in HDFC BANK in my name in few hours after obtaining the Bank details of my PNB BANK . The details of my account in PNB account were taken from me on 29th Sep 2023 around 9.3o pm and money was transferred on 30th Sep 2023 at 11.20 AM to HDFC Bank in my name.
On 10th Oct 2023 I have send these details to GRIVANCE REDRESSAL Department of HDFC Bank to investigate How the account has been opened in my name in HDFC Bank ? , what documents have been used to open an account in HDFC Bank in my name? I have also requested them to revert the amount of Rs 88900 in my PNB Bank .
This information is received by the HDFC Grievance Redressal Department on 11th Oct 2023 only Waiting for a response from them .
Lesson learnt is if some body asks you to open an app HOP TO DESK never open It and never share your UPI ID with anyone.
