[Resolved]  HDFC Bank — Bank did not detect a clearly fraudulent transaction and is trying to slap the charge on me using an unfair process

Address:

Chennai, Tamil Nadu

From:
Sivakumar Padmanabhan
4/14, 25th Cross Road,
Indira Nagar, Adyar, Chennai 600 020

To:
Mr. Manoj Prem
HDFC Bank Cards Division
8, Lattice Bridge Road
Thiruvanmiyur, Chennai 600 041

Ref: Query Reference Number [protected]

Oct 11, 2013

Dear Mr. Prem,
This is a complaint regarding the fraudulent charge of Rs. 1518.15 made on 11, June 2013 on my HDFC Bank international credit card.
1. I have objected to this charge and sent dispute letter and also a progressive dispute letter within the time provided by HDFC Bank.
2. HDFC Bank made a fundamental mistake in allowing this charge. One glance at the “State” and “Pin Code” information of the shipping address and billing address provided by Paypal in the supporting documents available with you, is sufficient to confirm that it is a fraudulent transaction. Both the state ‘Karnataka” and pin code “600001” do not match with my billing address on your records. You should have stopped this transaction from happening through your validation process at the time the transaction was made. Your security system for detecting fraud is very weak and I am surprised you allowed this charge through Paypal despite an incorrect billing address provided by the fraudster.
3. You have the audaciousness to claim I have not sent the progressive dispute letter and also that you could not reach me on phone. Both statements are false. I did courier the progressive dispute letter well on time and I did speak to and inform your person when he called that I had already dispatched the progressive dispute letter – This is despite the fact that you have given a very short deadline to send it.
4. Despite all this HDFC Bank has continued to harass me by insisting I pay this fraudulent charge.
5. I am a Preferred Customer of the bank and despite this, all this harassment has happened to me. I am copying my relationship manager on this letter.
6. There is another fraudulent charge made on the same day on the same card for Rs. 14599.13 (also on Paypal) which I continue to contest and as of now you have also acknowledged my Progressive Dispute letter for that one. That charge also has wrong Pin Code, wrong State etc. This charge should have been rejected outright by your validation system. Your security system for detecting fraud is very weak as mentioned before.
7. I will be posting this letter on Consumer Complaints website.
Regards
Sivakumar Padmanabhan