I’ve filed police report against Foodpanda for unauthorised charges and dishonest used of my bank card today.
Most of us may overlooked some small payments (few dollars up to $30 per transaction) in our bank statements as not many would do bank reconciliation on each and every payment shows on bank statements.
Recently I’ve been receiving few OTP SMSes to my phone for foodpanda orders but as I was told by bank previously when I called up. Bank said if I don’t share my OTP then the transaction wouldn’t go through and I should just ignore the OTP SMS. Bank even said sometimes users may key in wrong phone no by mistake. So I didn’t take any action if I received OTP when no order was placed by me.
This evening, Bank called to verify if multiple transactions made by me (Foodpanda) today, but I didn’t do any purchases/orders at all. So I told the caller not to authorise any transaction and I will call Bank card centre to cancel/stop my card. Of course I didn’t provide any personal info to the caller.
I called the bank immediately after the phone call. After we did bank recon to confirm which are unauthorised transactions (transactions show to bank but not in my Foodpanda account).
As far as we could go with the bank staff on the phone, from today back to January transactions, we found 5 unauthorised transactions, total of $120 approx.
Each transaction $28-29.
I followed instructions to file police report. Tomorrow I will provide the police report to Bank and Foodpanda for their necessary actions.
I wrote it here, just to share with our readers who don’t do bank reconciliation for own private account on regular basis.
Small amounts, so easily missed especially if the merchants are who we use regularly.
I did notice the figure at bank and what I spent (spent amount of the month) didn’t equal but I thought that’s because I missed out small spending/transactions. Now then I know someone else withdrew/paid $20-30 a month with my debit card.
One more thing, if you receive OTP SMSes for any payments which not by you, you may want to look into your bank account if other unauthorised transactions had already gone through before.
BTW, the OTP amount and the transaction amount are not the same, diff by few cents or 1 dollar or 2. The timing is off too, diff by few hrs or a day.
Good night and cheers.
