[Resolved]  Yatra Travel Pack — Unauthorised transaction from SCB Card

Address:

Delhi

Customer Care Division, Dated 30/11/2011
Standard Charted Bank ( SCB )

This is in reference to your letter dated 21/11/2011 vied file No. 1/C/09/2011/15. Card Account No. [protected] for the following disputed transaction.
Transaction Date 14/09/2011 , Amount 6617.00 , Merchant Name : Yatra Travel Pack.

I am not at all satisfied with the response of the SCB bank because of following reasons.

I still firmly maintain that I have not authorized Yatra Travel Pack for this transaction.
In reference to enclosure no. IDBI/Master/ 320 from IDBI Bank dated 01//11/2011 , I have never given any order to Yatra Travel Pack & the same was not confirmed by me. I will like to see the Master Card Authorization Log that they have claimed. I need concrete evidence from the bank ( IDBI ) regarding their claim that I have authorized them to claim payment from my card.
Your bank ( SCB ) has also approved the above transaction vied Approval Code No. T 64027. This is also completely wrong.
I received SMS from SCB regarding this transaction on 14/09/2011 at 4.10 pm. I raised the dispute at 6.45pm same day vied reference no. 863149 & I talked to your executive named Ms Nandana. I also blocked the card to prevent further transaction vide reference no. 864522. When I asked your executive about the detail of the merchant , they told me that it will take 48-72 hours . Further I received Dispute Declaration Form at my E-mail address [protected]@yahoo.com vied reference no. 886750. I filled the same and immediately mailed back to you a duly scanned copy on 16/11/2011. Even at that time I was not informed by your bank ( SCB ) about the name of the merchant who has done this transaction. So I fail to understand why you authorized the same vied approval code no. T-64027. I neither gave my card details to Yatra Travel Pack like CVV No. nor the SCB delivered One Time Password to my registered mobile no. So how this transaction took place .
I will like to know what RBI guidelines are issued to the banks in this regard. And if the bank is anyway going to made the payment despite of immediate response from the customer then what is the purpose of all this exercise & where the bank is protecting our interest. Rather the bank seems to be in hurry to make the payment to an unauthorized transaction.
The travel pack was delivered to my address but my father received it in my absence without knowing the actual issue. I repeatedly tried to contact at their help line but nobody responds at this number. I contacted at help line of Yatra.com but they showed their inability to provide any information regarding Yatra Travel Pack. This amounts to gross business malpractice & Internet fraud. This is the duty of SCB to divulge full detail of the concerned company including their phone no. & complete address to me.
In the end I again emphasize I need concrete evidences from Standard Charted Bank stating the AUTHENTICITY OF THE PAYMENT MADE TO YATRA TRAVEL PACK despite of my being raising objection immediately after receiving the SMS on 14/09/2011.

I will wait for 21 days for your detailed reply for all the issues I have raised in this letter before taking any further action.

Dr Ashu Kumar Jain
339 , DDA Flats , PKT-5 , PH-1 , Mayur Vihar , New Delhi – 110091 .