Standard Chartered Bank — Fraud Transactions bank forcing and making liable to pay amount

Address:	600001
Website:	www.sc.com/in

I have standard chartered manhattan credit card. ( card ending with 2421 ) i am using it from more than 3-4 years. I use it regularly and make outstanding payment on time also. But on 9th november my card was with me and i was at home still someone had made duplicate card and used several times at petrol pump by physical swipe. As it was midnight so as in sleep could not be aware of received sms of fraud transactions taken place. But at around 6.30 a.M i observed these sms and immediately called standard chartered manhattan credit card customer care and blocked the card. After then transactions stopped receiving. Customer person told me to fill ddf dispute form with date fraud transaction amount and mail it. I did it immediately. After waiting for almost 2 months they did not replied me. Now suddenly without providing me any resolution and justification they are forcing and making me liable to pay the amount of fraud transactions. I kindly request you to please help me and resolve this matter in my favour. STANDARD CHARTERED MANHATTAN CREDIT CARD FRAUD TRANSACTIONS Actions Amit Ashok Wamanacharya 17:13PM To: [protected]@rbi.org.in I HAVE STANDARD CHARTERED MANHATTAN CREDIT CARD. ( CARD ENDING WITH 2421 ) I AM USING IT FROM MORE THAN 3-4 YEARS. I USE IT REGULARLY AND MAKE OUTSTANDING PAYMENT ON TIME ALSO. BUT ON 9th NOVEMBER MY CARD WAS WITH ME AND I WAS AT HOME STILL SOMEONE HAD MADE DUPLICATE CARD AND USED SEVERAL TIMES AT PETROL PUMP BY PHYSICAL SWIPE. AS IT WAS MIDNIGHT SO AS IN SLEEP COULD NOT BE AWARE OF RECEIVED SMS OF FRAUD TRANSACTIONS TAKEN PLACE. BUT AT AROUND 6.30 A.M I OBSERVED THESE SMS AND IMMEDIATELY CALLED STANDARD CHARTERED MANHATTAN CREDIT CARD CUSTOMER CARE AND BLOCKED THE CARD. AFTER THEN TRANSACTIONS STOPPED RECEIVING. CUSTOMER PERSON TOLD ME TO FILL DDF DISPUTE FORM WITH DATE FRAUD TRANSACTION AMOUNT AND MAIL IT. I DID IT IMMEDIATELY. AFTER WAITING FOR ALMOST 2 MONTHS THEY DID NOT REPLIED ME. NOW SUDDENLY WITHOUT PROVIDING ME ANY RESOLUTION AND JUSTIFICATION THEY ARE FORCING AND MAKING ME LIABLE TO PAY THE AMOUNT OF FRAUD TRANSACTIONS. I KINDLY REQUEST YOU TO PLEASE HELP ME AND RESOLVE THIS MATTER IN MY FAVOUR. TODAY I SPOKED TO ONE OF YOUR CUSTOMER SERVICE AGENT ON PHONE. HE TOLD ME I AM LIABLE TO PAY THE DISPUTED TRANSACTIONS. WHEN ASKED WHY HE DID NOT HAVE ANY ANSWER. BUT HE DID NOT TOLD ME ANY MORE INFORMATION LIKE WHY AM I LIABLE TO PAY, EVEN I HAVE NOT BEEN INTIMATED THE INVESTIGATION REPORT OFFICIALLY; HOW MY CARD WAS MADE DUPLICATE AND USED AND WHY AM I LIABLE TO PAY FOR THESE FRAUD TRANSACTIONS MADE ON DUPLICATE MADE CARD. HE ALSO DENIED THAT THIS CANNOT BE PROVED THAT WHY AM I LIABLE TO PAY. MOREOVER, EARLIER WHEN I DISCUSSED WITH ONE OF YOUR CUSTOMER SERVICE PERSON HE INFORMED ME THAT BANK HAS SUCH A SOFTWARE THAT IT CAN BE FOUND AND IDENTIFIED THAT WHETHER ORIGINAL CARD IS USED OR DUPLICATE SCAMMED CARD WAS USED FOR TRANSACTION. BUT TODAY YOUR PERSON TELLS ME THAT NOTHING WILL BE PROVED TO CUSTOMER THAT WHY IS HE LIABLE TO PAY THE AMOUNT IN SPITE IT BEING FRAUD TRANSACTION AND NOT DONE FROM ORIGINAL CARD. EVENTUALLY, IN EARLIER MAILS I ASKED YOU WHETHER I SHOULD APPROACH BANKS OMBUDSMAN, CONSUMER COURT AND POLICE AUTHORITIES BUT YOU NEVER REPLIED ME FOR SAME. EVEN STILL I HAVE NOT APPROACHED ANY ONE AS I FEEL THAT YOU WILL POSITIVELY RESOLVE IT IN MY FAVOR INTERNALLY. STILL I HAVE NOT PROVIDED WITH ANY REPLY TO RESOLUTION REGARDING INVESTIGATION OF DDF. AND YOU ARE MAKING ME LIABLE TO PAY SUCH HEAVY CHARGES. YOUR head.[protected]@sc.com EMAIL DOES NOT PROVIDE ME ANYTHING IN REPLY IN WRITING OF ANY RESOLUTION KINDLY REFER BELOW MAIL THEY JUST REPLY ME THAT THEY COULD NOT CONTACT ME. BUT THEN WHY DON'T THEY REPLY ME THE MATTER IN WRITING VIA EMAIL. GOD PROMISE CHILD PROMISE I HAVE REALLY NOT DONE THESE TRANSACTIONS. I AM FIGHTING FOR THIS FROM ALMOST 2 MONTHS. DUE TO TENSION I HAVE SPENT SO MANY AMOUNT IN PHONE CALLS MADE TO YOU FOR JUST KNOWING STATUS OF INVESTIGATION AND END THIS MATTER ASAP. IF THE CARD WAS WITH ME AND IN LATE MID-NIGHT / VERY EARLY MORNING SOME ONE USED DUPLICATE MADE CARD AND USED IT ON PETROL PUMPS WHICH IN LIFETIME I HAVE NEVER HEARD NAMES OF THESE PETROL PUMPS AND NEVER EVER VISITED THOSE PLACES. ALSO, I HAVE ALREADY TOLD YOU IN PAST MY SPOUSE HAVING SC TITANIUM CARD FOR WHICH I GET DISCOUNT AND I USE IT EACH TIME THAT TOO NOT MORE THAN 1000/- RS. OUR MUTUAL ASSOCIATION OF ALMOST 5 YEARS IS SO STRONG THAT EACH O[censored]S DON'T WANT TO GET SEPARATED. ONLY BECAUSE OF TRAUMA OF INCIDENT I WAS TAKING DECISION OF CLOSING THE CARD. EVEN I DON'T WANT TO CLOSE THE CARD HE ARTFULLY AND INTENTIONALLY. SO A HUMBLE REQUEST AND A BEG TO YOU TO PLEASE RE-CONSIDER YOUR DECISION OF MAKING ME LIABLE FOR SUCH FRAUD TRANSACTIONS WHICH I HAVE NOT DONE. I CONSIDER S.C BANK A CUSTOMER FRIENDLY CARD AND CUSTOMER CONCERNED BANK. PLEASE PLEASE DON'T SPOIL YOUR REPUTATION. PLEASE PLEASE TAKE UP SOME ACTION THAT WILL PUT ME A SMILE AND RELIEVE MY TENSION. I KINDLY REQUEST YOU TO REFER MY ALL PAST TRANSACTIONS CARD USAGE AND PAYMENTS DONE. JUST CHECK MY HISTORY FOR REFERENCE. HOW CLEAR I AM IN MY TRANSACTIONS AND OUTSTANDING PAYMENTS. JUST CHECK ANY TIME WHETHER I HAVE USED THIS CARD AT ANY PETROL PUMP. AND THAT TO FOR SUCH HIGH AMOUNT. ALSO, DO SHARE ME EVERY POSSIBLE PROCEDURE FOR ESCALATING THIS MATTER TO HIGHEST LEVEL INTERNALLY AND EXTERNALLY AND ALSO ARRANGE FOR REVERSAL OF AMOUNT. THANKS THANKS IN ADVANCE... FINGERS CROSSED FOR POSITIVE REPLY FROM YOUR SIDE. MAY GOD BLESS ME AND GIVE ME STRENGTH TO BEAR THIS SITUATION AND END UP IN MY FAVOR. THANKS IN ADVANCE. STANDARD CHARTERED CREDIT CARD CONTACT DETAILS :- Mr. C Amuthavel, Principal Nodal Officer at the below address; The Principal Nodal Officer Standard Chartered Bank Customer Care Unit 19, Rajaji Salai Chennai 600 001 Contact Number:[protected] Email Address: Principal.[protected]@sc.com