[Resolved]  Standard Chartered — Standard Chartered Bank - Disputed transaction settlement

Address:

Bangalore, Karnataka

Standard Chartered Bank - Disputed transaction settlement:

Be aware before using Standard Chartered Credit Card! They are not at all efficient in resolving unfortunate complaints. They will play Ball Game with you causing frustration. It tool seven month of frustration with bank.. Consutomer care worst ever.


SCB Card Services,

After Six month of harassment at end, They said they cant process Dispute transaction as it was secure transaction. go and file FIR at police station. all Are making false promise.

HISTORY:

Card no. [protected]
1. 10/01/2013 two fraud transaction happen on my card.
Rs 100 at donate at wikipedia.org and
Rs 7328 at NETLLER london.

2. Immediately within an hour credit card ending 9048 was blocked. They asked me to get new card.
I said let Deal with first disputed transaction. once investigation complete I will apply for Card.

After one they provided credit for same. in my card ending with 9048. After that few week customer care said. from our end investigation completed u will get your amount back in your account.

3) After that only I apply new card
Card no. [protected]

After that I did one transaction with card ending 1104.

same night two more fraud transaction happen on my card.
1) 06/03/13 - money booker ltd london de - 44011.1
2) 06/03/13 - www.germentackle.de ekranth de - 20818.49

Immediately within an hour credit card ending 9048 was blocked.

Now six month story how it harassment given by Standard charted.

1) They given me temporary credit card for 20818.49. For 44011.1 they as this is secure transaction credit credit will not be given.

2) They asked me file FIR for amount 44011.1 As it secure transaction. So FIR copy will help us to investigation.

3) After few day I asked them about card ending 9048, They said Both fraud transaction still under investigation, I was just shocked.
As they said is completed earlier after that only I applied for Card.

4) After completion of investigation they said, you have to pay amount 100 & 7348. or re dispute again for investigation.
I have again send DDF from to re investigation. I asked then atleast send me closer report. How happen. They said we can not give those information.

5) after few days I again called to coustomer care, They said from our side investigation over. You will get Final credit for all transaction in two weeks.

6) After two week again I called them, They said All are under investigation. Every time when I called them they said differently.

7) After 4 month one Floor manager said. you need to send DDF for each transaction individually to process. I was shocked, After 4 month you are saying that, U need to send DDF for individually for each transaction. I did same, I sent each file again to them.

8) After many follow up. One day they said, Final Credit for 20818.49. Other three transaction under investigation.

9) One 10 july 2013 They Said we can't process as they are done using secure transaction, Pay full amount to get away hefty penalty
And Go File FIR. That is only option.

Now the question is.
1) It took 6 month to find, Rs 100 & 7328 those are secure transaction for card 9048.
2) If it was secure then y they have given temporary credit for card 9048. As they have not given to me for amount 44011.1 (as being secure transation)
3) Out of 4 Dispute transation 1 disputed amount got back, Three I have to pay. How can they say rest 3 are not fraud transaction.
4) They are not even giving details like from where transaction happen, which IP address, Which city it took place.
5) If they cant investigation why they said file FIR, Give us same, So we can investigation same as 44011.1 is secure transaction.

All the time answers from the costumer care is different.

As I already made payment of disputed transaction, so it not affect my credit score.

Now I have few options left.
1) file consumer complain, that i did today.
2) go to banking ambusment
3) next file case against standard charted in court. (if not resolved using above two)

Regards,

Mukesh Jain
Mob- [protected]