On 20 November 2019, I got an SMS of the unauthorised transaction by deducting USD 328.27 from my Standard Chartered Credit Card. But before that, I neither got an OTP on my mobile phone nor in my email id. I reported the same to the bank, and then the bank blocked my credit card and started investigation for this unauthorised electronic transaction. Bank comes out with the finding that said the transaction was secured and verified by the customer.
But I didn’t receive any “OTP” on my mobile or email. I also registered the same in cybercrime.gov.in. I need to know how the transaction happens via a 3D secured website without asking OTP from me. What to do next so that I don’t have to pay the bill for unauthorised transactions also I found the person who made the transaction also I want to know how did this incident happen so that I can make sure that this not happens to me again.