Learn good techniques to deal with something that almost every company has: the concerns of the unhappy employee. Tips are also provided on how to address the constant complainer.
Employee complaints are inevitable even in the most work-friendly companies. Some complaints are quickly and easily resolved, while others take more time, energy and patience. Complaints can cover everything from cleanliness of restrooms to job flexibility.
Grievances, on the other hand, are formal complaints made by employees when they think a company or government policy, such as an anti-discrimination law, has been violated. A perceived transgression against a union contract is also grounds for filing a grievance. You must address grievances in a timely manner.
A prompt response that leads to quick resolution of a complaint or grievance will boost employee morale and productivity and can forestall costly legal action.
ATM Fraud
What is ATM Fraud?
ATM fraud is described as a fraudulent activity where the criminal uses the ATM card of another person to withdraw money instantly from that account. This is done by using the PIN. The other type of ATM fraud is stealing from the machine in the ATM by breaking in.
What are the various types of atm frauds?
- Card Shimming: This is done by installing a foreign device, known as the shimming device, on the ATM machine for getting data from the card’s chip. It can capture magnetic strip equivalent data.
- Card Skimming: This includes stealing the electronic data of a card in order to imitate the card completely. The customer will not realise until money is withdrawn from their account without their knowledge.
- Card Trapping: This includes stealing the ATM card by installing a device at the ATM. The card gets trapped in the cash dispenser. When you leave the ATM to receive help for getting your card out, the fraudster will enter.
- Jamming of Keyboard: The fraudster will jam important buttons on the ATM machine keyboard such as Cancel and Enter buttons so that the transaction is unsuccessful and the customer may leave the ATM to get help. The criminal then enters the ATM to withdraw money immediately from the machine as the details are already entered.
- Phishing: Card cloning or phishing scammers target all those people who get fooled, who are not careful in financial transactions, mostly, elderly people and women.
How to protect myself against atm fraud?
- Avoid using ATMs in deserted regions.
- In case you are suspicious of any activity inside the ATM, then leave or complain.
- Check the card reader and see if any skimmer is attached to it.
- Look for hidden cameras in the ATM.
- If you see people loitering around the ATM, then it is better to not withdraw money from there.
Online Frauds ( Social Media )
Many investors use the Internet and social media to help them with investment decisions. While these online tools can provide many benefits for investors, these same tools can make attractive targets for criminals. Criminals are quick to adapt to new technologies – and the Internet is no exception.
The Internet is a useful way to reach a mass audience without spending a lot of time or money. A website, online message, or social media site can reach large numbers with minimum effort. It’s easy for fraudsters to make their messages look real and credible and sometimes hard for investors to tell the difference between fact and fiction. If an investment promotion grabs your interest, research the “opportunity” even before providing your phone number and email address. Otherwise, you may be setting yourself up to be targeted for investment fraud.
The key to avoiding investment fraud on social media sites or elsewhere on the Internet is to be an educated investor. To learn specific steps you can take, see What You Can Do to Avoid Investment Fraud. Below, we tell you where various types of fraud may show up online such as Social media, Online investment newsletters, Online bulletin boards and chat rooms and Spam.
Dr card or Credit card related Fraud
Credit card fraud can be authorised, where the genuine customer themselves processes payment to another account which is controlled by a criminal, or unauthorised, where the account holder does not provide authorisation for the payment to proceed and the transaction is carried out by a third party. In 2018, unauthorised financial fraud losses across payment cards and remote banking totalled £844.8 million in the United Kingdom. Whereas banks and card companies prevented £1.66 billion in unauthorised fraud in 2018. That is the equivalent to £2 in every £3 of attempted fraud being stopped.
Credit Card Fraud can occur when unauthorized users gain access to an individual’s credit card information in order to make purchases, other transactions, or open new accounts. A few examples of credit card fraud include account takeover fraud, new account fraud, cloned cards, and cards-not-present schemes. This unauthorized access occurs through phishing, skimming, and information sharing by a user, often times unknowingly. However, this type of fraud can be detected through means of artificial intelligence and machine learning as well as prevented by issuers, institutions, and individual cardholders. According to a 2021 annual report, about 50% of all Americans have experienced a fraudulent charge on their credit or debit cards, and more than one in three credit or debit card holders have experienced fraud multiple times. This amounts to 127 million people in the US that have been victims of credit card theft at least once.
Banking related Complaints and Queries .
One can file a complaint with the Banking Ombudsman simply by writing on a plain paper. One can also file it online at (“click here to lodge a complaint”) or by sending an email to the Banking Ombudsman. There is a form along with details of the scheme in our website.
@ Any Financial Complaint against any Department , Organisation or against any official.
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