[Resolved]  Credit Card — Online Fraud

Dear Sir,



This is to bring to your kind notice that I am one of the victim of cyber crime and found it very difficult to come out from the situation. For that I need your help to save me or help me out from this hectic situation created in between myself and HDFC bank.



There ware some fraud transaction, happened on my HDFC Credit card account number [protected] in the month of September 2008. When I received the statement for the month of September 2009 and surprised to see that few suspicious transactions happened in my card account and the same was immediately inform to customer care cell of HDFC bank. I was assured by the customer care representative that your case will take at least a month to resolve. But I am very sorry to inform you that nothing is happened on that month to till today except to pressurize by the bank to clear the outstanding against my card’s fraud transactions.



After a month again few fraud transaction were again happened on my card account (Summery is attached for your reference) that clearly indicate bank authorities was not at all taken any serious note of this fraud happened again with me. Due to bank negligence I become the victim of cyber crime.



Getting in touch the bank again, the customer care department was advised me to drop a complaint in writing to my nearest drop box of HDFC ATM. I was dropping the same (copy enclosed). I was again surprised that one day bank executive called me over phone and requested me to clear my long pending outstanding instead of taking action on my written complaint sent by fax too, I was clearly denied the person of paying my dues.



After some time one day one executive from HDFC bank was visited my residence and threatening me of paying the amount, that is not at all bearable or expected from such a resulted bank of India. I once again clearly informed the representative that I am not going to lay anything to bank unless and until my case have not been clear by the bank.



After that very day to till today I have 100 of calls for clearing of my fraud transaction amount. Now HDFC bank started sending legal notices for clearing of the amount.



It is also bring to your kind notice that on Aug. 29, 2009 the HDFC bank Card division has illegally transfer funds form my Saving Bank A/c No.[protected] and debited the payment of Rs. 8,279.59 without my consent.



It is also bring to your kind notice that fraud amount in the month of Sept. 2008 statement is Rs. 3,592.61 & in the month of Oct. 2008 statement is Rs. 3,906.25 and now comes to Rs. 13,135.51 with the late fees and service taxes that is not at all justified.



Now I have no option left to trouble you to help me out and sort the problem in-between myself and HDFC Bank and save me from the harassment done with my by the bank authorities.







I am mentioning below the letter dt. 21/10/2008, which I faxed & e-mailed to the Manager Credit Card Division, HDFC Bank.



Issue:



I have noticed some transactions in my statement, which was not made by me. When I called your customer care number then executive told me that my card data is hacked, due to that it happens.



I registered my number for secure net banking afterwards it happens. I am listing down the details for the fraud transactions for your reference.







Statement Date: 19/09/08



Domestic Transactions



12/09/08 FCY CONVERSION MARKUP EE 1.59

12/09/08 FCY CONVERSION MARKUP EE 55.17

16/09/08 FCY CONVERSION MARKUP EE 64.22

19/09/08 SERVICE TAX: @12% 14.51

19/09/08 CESS TAX: @3% 0.42



International Transactions



09/09/08 ZELDASUPPORT.COM 45.53

12/09/08 PAY-CONVRT.COM 1,576.27

12/09/08 ZELDASUPPORT.COM 1,834.90



Statement Date: 19/10/08



12/10/08 FCY CONVERSION MARKUP EE 58.71

12/10/08 MEMBERSLA.COM 1,920.91

15/10/08 FCY CONVERSION MARKUP EE 67.23

19/10/08 FINANCE CHARGES-RETAIL 148.24

19/10/08 SERVICE TAX: @ 12% 32.88

19/10/08 CESS TAX: @ 3% 0.98

11/10/08 PAY-HAIHOT.COM [protected] USD 34.62 1,677.30





When I came to know that there is no solution on telephonic conversation, I started written communication through e-mail, these were on March 10, March 17 & April 18, 2009.



Reply received from bank official is listed below:



I received information from Bank executives that “As apprised in the earlier response, we wish to reiterate you that on receipt of a request from a cardholder for details or a copy of a particular transaction, we in turn liaise with the concerned Bank for the same. Such requests are bound as per Visa/ MasterCard guidelines and the other bank is not liable to respond to our query should the dispute be referred beyond the specific time frame."



We observe from our records that we were not in receipt of any written instructions as on date towards the disputed transaction.



As you would observe from the reverse of the statement, all disputes should be communicated to us in writing within 60 days from the date of the statement which contains the transaction in question. We wish to inform you that our records do not indicate receipt of any written communication from you seeking clarification on the above charges. In future please refer any unrecognized transaction / charge to the bank immediately, as this will enable us resolve the issue to your satisfaction.



You can understand from the above contents of the answer given by HDFC bank that clearly shows that the fault is from my side only, on the other hand I have already informed the bank about disputed transaction on my card account well within the time.



So I request you to help me to sort out this issue between myself & HDFC bank at earliest & oblige.



Hoping for an early and favorable action from your end.



Thanks and regards,





SANJEEV GUPTA

A-90, Ist. Floor, Balaji Kunj, Chander Vihar,

New Delhi - 110092

MOB: [protected]

E-mail: [protected]@yahoo.com, sanjeev.[protected]@geipl.com