Two held for illegal ATM transactionshttps://indianexpress.com/article/cities/chandigarh/two-held-for-illegal-atm-transactions/

Two held for illegal ATM transactions

A Chandigarh Cyber Crime Cell team on Thursday arrested two youth for their alleged involvement in fraudulent ATM transactions in the city through cloned debit and credit cards.

A Chandigarh Cyber Crime Cell team on Thursday arrested two youth for their alleged involvement in fraudulent ATM transactions in the city through cloned debit and credit cards. With the arrest of Mukul Garg (25) and Ramandeep Kaur (26) — both residents of Ludhiana — police claimed to have solved four such cases.

The duo were picked up from outside Chandigarh airport with police stating that they had been residing in Garg’s uncle’s house.

The arrest come in the wake of a series of complaints from Chandigarh residents that transactions were being made from their ATM cards without their knowledge. After investigating four such complaints,the Cyber Cell nabbed the duo and recovered various debit and credit cards,blank cards with magnetic strips,magnetic readers,mobile phones and a laptop.

According to police,the duo had built a rapport with employees of petrol pumps in cities like Chandigarh,Delhi,Mumbai,Chennai and would provide the employees with magnetic readers. Police said that the employees would then swipe debit or credit cards,that are used to pay the bills,twice – once on the original card swapping machine and another on a magnetic reader machine.

The magnetic reader captures the code of the ATM card. The accused,police said,would then transfer the saved data to a blank card which had a magnetic strip. The card,in effect,would act as a duplicate of the original ATM card allowing for easy transactions and purchases.

Among those affected was Parwinder Kaur Monga,a resident of Sector 38-A. In an FIR registered this April,Monga states that illegal transactions of Rs 75,954 were made on her Axis Bank debit card on March 31,2013,at Ludhiana despite the card being in her possession at the time of the transactions. It was found that the card was used by the accused at various shopping centres. According to police,one of the accused had submitted a copy of a fake driving license using the name of Shweta Goel. It was also found that the accused had used various other fake identities in the past to make similar purchases. Likewise,Chandigarh resident Kapil Dev complained on April 25,2013,that his debit card had been misused. It was found that again a Samsung Galaxy Note 2 was purchased in a similar manner,this time through a fake voter ID in the name of Seema.

The Cyber Cell team scrutinized CCTV footage at various shops at different places and traced the location of the accused. Police have recovered 10 ATM cards,of which four are blank,one magnetic reader and two mobile phones from Kaur,and 11 ATM cards comprising two blank cards,three mobile phones and one laptop from Garg. While Kaur has passed Class XII,Garg is a B Com graduate.

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SSP (security and traffic) Maneesh Chaudhry urged Chandigarh residents to ensure that their debit and credit cards are swiped in front of them so that they are not duped by miscreants in future. The police is investigating the case further to trace the location of the accomplices in the case and to identify other frauds carried out by the duo in the past. The team that cracked the case was led by Inspector Jasbir Singh,Cyber Crime Investigation Cell under the overall supervision of Rajesh Kalia,DSP Cyber Crime.