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I was a victim of OTP-based credit card fraud. I blocked the card and reported it the same day. Now the bank is harassing me to pay the amount.
Write to the bank’s grievance officer and escalate to the RBI Ombudsman if needed. If fraud was without negligence on your part, you're not liable under RBI rules. File a cybercrime complaint and consumer forum case if the bank keeps demanding money unfairly. For further legal assistance contact us on our helpline number.