A woman’s account of alleged credit card fraud has sparked a wider conversation about bank guarantees and customer support after she claimed her father lost thousands of rupees despite reporting the problem within hours.
Joining X, Ishika Kesarwani said her father’s phone was apparently compromised and flooded with several OTP alerts late at night. until morning ₹42,000 was allegedly debited from his credit card.
According to her post, the card was blocked once the family realized what was happening, but the transactions had already gone through. The credit card, she said, was issued by RBL Bank and the disputed payments were later traced to PlayStation gift cards purchased through Flipkart.
“We reported it to the bank and cybercrime within an hour as we believed that quick action would help,” Ishika wrote. But days later, she claimed the bank informed them the incident was not considered card or credit fraud and that no recovery was possible.
Her post questioned the effectiveness of real-time fraud monitoring systems and customer complaint mechanisms. “What’s the point of fraud monitoring if the bank can’t detect or stop obvious fraud in real time?” she asked, tagging the bank in her tweet.
Update after post goes viral
In a follow-up update, Ishika said the bank’s social media team finally reached out after her post gained traction. According to her, she was told that efforts were underway to recover the amount and that the bank would “try” to reverse the transactions by February 27.
“I am humbly glad that this post got some traction. If it hadn’t, we probably would have just been ignored and the case closed,” she wrote, adding that she still had “small hopes.”
Users share similar experiences, advice
The post drew several reactions from social media users, many of whom shared similar experiences or offered possible explanations.
One user suggested that the phone could have been compromised through screen mirroring or a conference call initiated by a fraudster. Ishika replied that no suspicious links were clicked and said that the last legitimate transaction on the card was done on IRCTC, after which the OTP alerts started almost immediately.
Others recommended contacting Flipkart directly to stop or cancel gift card purchases, while some recommended preventive steps like setting low daily transaction limits on the cards.
The incident has renewed an online debate about consumer protection in cases of digital fraud and the liability of banks and platforms when unauthorized transactions occur, especially if complaints are raised quickly.
Neither the bank nor the e-commerce platform has issued a detailed public statement regarding the specific claims at the time of writing.
