Arjun Mitra reports his Amazon account was hacked, and ₹1.47 lakh was fraudulently charged using his Axis Bank credit card. Axis Bank raised a service request, but Amazon failed to act. Choice4Voice.com explains the case, consumer rights, and what you must do if online fraud happens.
Complaint Summary : Amazon & Axis Bank Fraud Case – ₹1.47 Lakh Unauthorized Transactions Reported by Arjun Mitra
| Detail | Information |
|---|---|
| Complainant Name | Arjun Mitra |
| Companies Involved | Amazon India & Axis Bank |
| Nature of Issue | Fraudulent transactions on Amazon using saved Axis Bank credit card |
| Total Amount Lost | ₹1,47,000 |
| Bank’s Response | Axis Bank acknowledged issue and raised Service Request (SR No. SAK00003350281) |
| Amazon’s Response | No meaningful response despite multiple follow-ups |
| Fraud Method | Amazon account hacked, unauthorized use of credit card |
| Customer Action Taken | Reported to Cybercrime Portal & National Consumer Helpline |
| Relief Sought | Reversal of fraudulent charges and urgent investigation |
| Complaint Status | Pending resolution |
| Original Post | LinkedIn Post by Arjun Mitra |
Full Complaint Write-Up
Arjun Mitra, a professional with extensive corporate experience, has shared a disturbing experience involving Amazon India and Axis Bank. His Amazon account was compromised, and unauthorized transactions worth ₹1.47 lakh were made through his saved Axis Bank credit card.
While Axis Bank acknowledged the fraud and raised a Service Request (SAK00003350281), Amazon has failed to provide any meaningful support or clarification. Despite repeated calls and emails, Amazon did not guide the customer on refund timelines, account protection, or investigation status.
Frustrated with the lack of cooperation, Arjun reported the case to the Cybercrime Portal and National Consumer Helpline, but the financial loss and stress remain unresolved.
This case highlights the growing risks of storing card details on e-commerce platforms and the urgent need for companies like Amazon to improve fraud detection, customer support, and security protocols.
Why This Case is Important
- High-Value Fraud – Losing ₹1.47 lakh in unauthorized charges is a major financial setback.
- Account Security Gap – A hacked Amazon account raises questions on e-commerce safety.
- Amazon’s Accountability – A global brand cannot afford to remain silent on fraud.
- Bank vs. Merchant Responsibility – Who should bear the liability in online fraud cases?
- Consumer Awareness – Many customers don’t know their rights under RBI guidelines.
Questions & Detailed Answers on Amazon and Axis Bank Fraud
1. What exactly happened in this Amazon–Axis Bank fraud case?
Arjun Mitra’s Amazon account was hacked, and fraudsters used his saved Axis Bank credit card to make transactions worth ₹1.47 lakh. While Axis Bank acknowledged the fraud, Amazon failed to provide assistance.
2. Who is responsible if money is fraudulently debited from my credit card – bank or Amazon?
Responsibility is shared:
- Bank must investigate and protect cardholders under RBI guidelines.
- Amazon must ensure secure account handling and prevent unauthorized usage.
If negligence is proven on either side, that party is liable.
3. What are RBI’s rules on unauthorized credit card transactions?
RBI states:
- If reported within 3 working days, customer liability = zero.
- If delay is from customer’s side, liability = limited.
- Banks must resolve disputes within 90 days.
4. How can I report a hacked Amazon account?
- Log in and reset your password immediately.
- Enable two-factor authentication (2FA).
- Contact Amazon customer support via the app or website.
- If money is lost, report it to your bank and cybercrime portal.
5. Can Axis Bank reverse fraudulent Amazon transactions?
Yes. After investigation, Axis Bank can raise a chargeback request and reverse unauthorized charges.
6. What is a chargeback in online fraud cases?
A chargeback is when your bank disputes a fraudulent transaction with the merchant (Amazon in this case) and retrieves the money if fraud is proven.
7. How long does Axis Bank take to resolve fraud complaints?
Typically 30–45 days, depending on merchant cooperation and RBI timelines.
8. Why did Amazon not respond properly in this case?
Amazon has a poor record in handling fraud escalations in India. Many customers complain that Amazon redirects them to banks instead of taking accountability.
9. What is the Cybercrime Portal, and how can it help?
The Indian Cybercrime Portal (cybercrime.gov.in) allows consumers to file complaints about online fraud, hacking, phishing, and financial scams. Police cyber cells then investigate.
10. Can I get my money back if someone misuses my credit card on Amazon?
Yes, if you report quickly. Under RBI’s zero liability rule, banks must refund unauthorized amounts if the fraud wasn’t due to your negligence.
11. How do I secure my Amazon account to avoid fraud?
- Enable 2FA authentication
- Never save your credit card details
- Use a strong, unique password
- Check your orders and linked devices regularly
12. Is it safe to save credit card details on Amazon?
While convenient, saving card details increases risk. Hackers who access your account can misuse stored cards. Experts recommend not saving payment details.
13. Can Amazon be sued for not responding to fraud complaints?
Yes. Under the Consumer Protection Act 2019, Amazon can be taken to Consumer Court for negligence and failure to protect customers.
14. How do I file a complaint with the RBI Ombudsman?
- Visit RBI Ombudsman’s official portal
- File a grievance against your bank (Axis Bank in this case)
- RBI will direct the bank to investigate and refund if rules were violated
15. What documents are needed to file a cybercrime case in India?
- Transaction details
- Bank statements
- Screenshots of fraudulent charges
- Emails/complaints filed with Amazon & Axis Bank
16. Can I demand compensation for mental harassment in online fraud?
Yes. Consumers can claim compensation for stress, harassment, and time lost, in addition to refund of money.
17. What should I do if my Amazon account is hacked but no money is lost yet?
- Immediately change your password
- Enable 2FA
- Remove saved cards
- Contact Amazon support
- Monitor account for unusual activity
18. How do I escalate unresolved Amazon complaints in India?
- Email grievance-officer@amazon.in
- Contact via consumerhelpline.gov.in
- Approach consumer court if ignored
19. What legal action can be taken if Amazon ignores fraud complaints?
- File under Consumer Protection Act
- Approach Adjudicating Officer under IT Act
- Register a FIR with Cyber Police
20. Does Axis Bank provide insurance against fraud transactions?
Yes. Many Axis Bank credit cards come with fraud liability cover, subject to timely reporting.
21. How common is Amazon account hacking in India?
With the rise of phishing attacks and weak passwords, Amazon account hacking cases are increasing. Complaints are often seen on LinkedIn and consumer forums.
22. Can OTP-based frauds happen on Amazon?
Yes. Fraudsters may trick users into sharing OTPs. Once OTP is shared, banks may not cover liability.
23. How long does the Cybercrime Police take to investigate?
Depending on case complexity, it may take weeks to months. Serious cases like this (₹1.47 lakh loss) get higher priority.
24. What role does Choice4Voice.com play in such fraud cases?
Choice4Voice.com publishes genuine consumer complaints, ensuring they reach a larger public audience and putting pressure on companies to resolve issues.
25. What is the best way to avoid online fraud while shopping on Amazon?
- Don’t save cards online
- Use UPI or prepaid wallets instead of cards
- Regularly check account activity
- Immediately report suspicious activity
Final Note – Why Choice4Voice.com Exists
Cases like Arjun Mitra’s Amazon–Axis Bank fraud complaint prove why consumer voices must be amplified.
At Choice4Voice.com, we:
- Highlight genuine unresolved consumer complaints
- Create public visibility to hold companies accountable
- Encourage consumers to use legal and official channels alongside public pressure
👉 If you are facing similar fraud, poor customer service, or unresolved issues, submit your complaint at Choice4Voice.com We will ensure your case is published, shared with a larger audience, and given the attention it deserves.
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