Hi,

I am caught up in a Credit card fraud. I was holding a Citi credit
card since 2001 in Hyderabad. In 2004 end, I moved to a different
city. I didn't notify the bank of the change in address. I rarely
used the card in 2005 and 2006. It got expired in 2007 begining. I
never kept any balance on the card.
I wasn't aware that bank will renew the card without informing me. In
March 2007, I moved abroad. I stopped checking emails in my credit
card statement account. In August 2008, when I checked that account I
found that there were transactions made for 40000 Rs on the card in
Dec 2007; almost 1 year after the expiry of the card that I have. I
have disputed the transactions with bank.
I have 2 points in my favour:
1) I was not in India when these transactions were made (These
transaction were made physically in Hyderabad).
2) The last card I received had expired 1 year before these
transactions

My guess is that the renewed card sent by the bank got in wrong
hands. I am still abroad and will not be able to file FIR or contact
ombudsman until I go to India next year. Bank officials replied me
saying that they are investigating the matter.

Does somebody has any idea how to approach in such cases? Is my case
strong enough given the fact I didn't close the card or inform the
bank of change of address?

Warm Regards
Sahin